IMM Invest Romania and
AGRO IMM Invest

IMM Invest Romania and
AGRO IMM Invest

The IMM Invest Romania and AGRO IMM INVEST program allow SMEs (including SME’s and small enterprises with medium market capitalization, in the agriculture, fishing, aquaculture and food sector) affected by the COVID-19 crisis to ensure their liquidity for the current activity or investments, by accessing one or more loans, guaranteed by FNGCIMM in the name and on behalf of the state, through the Ministry of Finance.

Loans guaranteed by the Ministry of Finance through FNGCIMM up to 90% of the loan amount

Interest, risk fee and administration fee, subsidized by the Ministry of Finance, according to the provisions of the legislation

Restarting the economy as a result of the situation generated by COVID 19

What are the advantages of the IMM Invest Romania program/AGRO IMM Invest Program?

  • The maximum value of loans can be up to 10,000,000 lei for investments and up to 5,000,000 lei for working capital;

  • You do not pay interest, risk commission and administration related to the guarantee issued by FNGCIMM or other commissions for granting the loan. The interest is 100% subsidized for 8 months starting from the day the loan was granted, with the possibility of extension in certain economic situations stipulated in the Government Emergency Ordinance no. 110/2017 and in the Methodological Norms, with subsequent modifications, as well as in the State aid scheme in order to support the SME’s activity in the context of the economic crisis generated by the COVID-19 pandemic. The risk commission and the administration commission are 100% subsidized during the entire duration of the loan.

  • You do not pay early repayment commission;
  • The financing period is up to 72 months, and for investment loans you can benefit from a grace period of up to 18 months, for the loans granted under the SME Invest Program or maximum 24 months for investment loans, granted under the AGRO IMM Invest Program;

  • You benefit from o a non-reimbursable grant of maximum 10% of the value of the guaranteed loan, within the AGRO IMM Invest Program and the repayment of the loans can be made in at least 2 installments per year. 

Access the IMM Invest Romania program and AGRO IMM Invest Program

Apply here to benefit from ZERO Interest Loans

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What is the value of the loans granted?

  • Micro-enterprises: financing of maximum 500,000 lei for working capital, guaranteed by the state in a maximum percentage of 90%, or maximum 5.000.000 lei for working capital, guaranteed by the state in a maximum percentage of 80%, respectively financing of up to 10,000,000 lei for investments, guaranteed by the state in a percentage of maximum 80%;

  • Small enterprises: financing of maximum 1.000.000 lei for working capital, guaranteed by the state in a maximum of 90%, or maximum 5.000.000 lei for working capital, guaranteed by the state in a maximum of 80%, respectively financing of up to 10,000,000 lei for investments, guaranteed by the state in a percentage of maximum 80%;

  • Medium-sized enterprises: the maximum value of loans for working capital cannot exceed the amount of 5.000.000 lei, and of those for investments cannot exceed the amount of 10.000.000 lei, guaranteed by the state in a maximum percentage of 80%;

  • Small enterprises with medium market capitalization: the maximum value of loans for working capital cannot exceed the amount of 5.000.000 lei, and of those for investments cannot exceed the amount of 10.000.000 lei, guaranteed by the state in a maximum percentage of 80%.

How can I benefit from the IMM Invest program/AGRO IMM Invest subprogram?

  • Apply on the website www.imminvest.ro;

  • Choose your option either for the IMM Invest Romania Program or for the AGRO IMM Invest Program; 

  • Choose OTP Bank as a partner bank;

  • Fill in all the identification data online, sign and attach the SME declaration in .pdf format;

  • If the eligibility conditions are met, you receive an agreement in principle from FNCGIMM and a registration number;

  • Based on the FNGCIMM decision, OTP Bank analyses the request and returns it to the final analysis to FNGCIMM;

  • After the final answer received from FNGCIMM regarding the granting / rejection of the guarantee, we will send you the final decision.

Eligibility criteria:

The beneficiary is eligible under the program if at the date of granting the loan it cumulatively meets the eligibility criteria provided in art. 3 of the Government Emergency Ordinance no. 110/2017, with subsequent amendments and completions, in the Methodological Norms, in the State aid scheme to support the activity of SMEs in the context of the economic crisis generated by the pandemic COVID - 19, as well as the eligibility criteria of the Bank.

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