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Medium-term Cash Credit

is a credit facility intended for financing current activity and for the effective management of financial resources.

What are the advantages of this product?

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it allows the use of cash for current activity, and also for the refinancing of other ongoing facilities at other banking institutions, regardless of their type and the credit period, as well as the refinancing of ongoing leasing agreements;

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credit period of maximum 60 months, with the possibility of a grace period of maximum 3 months for the reimbursement of the principal;

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flexible guarantee structure;

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counselling for drawing up the necessary documents to access the credit and quick answer.


Additionally, if you are eligible and you want to contract a loan with a maximum amount of 300,000 EUR (RON equivalent), in relation to the annual turnover, the cash loan can be obtained quickly, for a maximum period of 36 months, without real estate collateral. Moreover, if you register an annual turnover of maximum 5 million EUR, you can apply 100% ONLINE, directly on the https://www.otpdirekt.ro/credit-racheta platform and only after a few simple steps, we can offer you a quick response, in maximum 24 hours.