Advantages
✔ advantageous interest conditions
✔ flexible loan conditions - lengthy credit/grace periods, reimbursement in multiple negotiated installments or in a single installment
✔ variety of financing domains - investment projects developed by beneficiaries activating in the fields of industry, agriculture, tourism, services, trade and/or constructions
Features
✔ finances the current activity and investment projects
✔ credit period: minum 24 months
✔ eligible beneficiaries: autonomous and non-autonomous SMEs (< 250 employees), large enterprises (over 250 - max. 3000 employees) and municipalities/other public entities
✔ the maximum amount of the EIB loan
a) for SMEs and large enterprises implementing projects that are under 25 million EUR – the quantum of the EIB loan can be of up to 100% of the value of the credit granted by BCR - without exceeding 12.5 million EUR;
b) for large enterprises implementing projects that are over 25 million EUR and less than 50 million EUR in value – the quantum of the EIB loan can be of up to 50% of the total eligible value of the project - without exceeding 25 million EUR;
c) for municipalities and other public entities - implementing projects of at least 40,000 EUR and no more than 25 million EUR - the quantum of the EIB loan can be of up to 50% of the total eligible value of the project - without exceeding 12,5 million EUR.
✔ in the event that the project also benefits from EU funds/subsidies, EIB sources and other EU sources, they can cover up to 100% of the eligible costs of the project, depending on the category in which the credit beneficiary falls and the size of the project
✔ granted in RON or EURO