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ROMÂNĂ / ENGLISH

Government Programs

SME <1M Euro and 1-50M Euro
GOVERNMENT PROGRAMS

Loans granted to eligible beneficiaries under the Government Trade and Microindustrialization Programs.

For brave projects!

BRD supports SMEs selected by the Ministry of Business Environment, Trade and Entrepreneurship [MMACA] in the following government programs:

TRADE

Program for the development of activities for the Marketing of Products and Market Services

MICRO-
industrialization

Multiannual National Microindustrialization Program

TRADE

Program for the development of activities for the Marketing of Products and Market Services

MICRO-
industrialization

Multiannual National Microindustrialization Program

Benefits

Government Programs: investment credit, support credit, additional credit.

Characteristics of Government Programs:

Flexible

Advantageous costs

Flexible guarantees

The objective of Government Programs

- Granting of non-reimbursable financial aid (AFN) of maximum 90% of the value of eligible expenses related to investment projects, respectively maximum 250,000 RON / beneficiary for the Trade program and 450,000 RON / beneficiary for the Microindustrialization program.

What types of investments are eligible?

- acquisition of IT equipment and computer technology;

- the acquisition of technological equipment, machines, equipment and work installations

- including the related software; - measuring, control and regulation devices and installations necessary for carrying out the activities for which it requested financing;

- the acquisition of specific installations / equipment in order to obtain an energy saving, as well as systems that use renewable / alternative energy sources for the efficiency of the activities for which it requested financing;

- consultancy for the elaboration of the documentation in order to obtain the financing and the implementation of the project (maximum 8000 lei without VAT);

- the purchase of heating or air conditioning installations related to the trade or services space, etc.

What is the BRD financing offer?

Investment loans

- Loan destination: financing of own contribution (co-financing) to the eligible expenses related to the investment project selected by MMACA;

- Lending period: maximum 60 months;

- Grace period: 12 months;

- Credit value: minimum 10% of the value of eligible expenses;

- Loan price (regulated by the program):

Fixed interest: 5% / year;
-Commissions charged only once when granting the loan:

Granting: 1%
Analysis: 0.5%

Support loan

- Loan destination: AFN pre-financing, in order to cover the gap between the time of making payments to suppliers and the time of AFN collection;

- Lending period: maximum 12 months;

- Loan value: financing of up to 100% of the AFN value;

- No collaterals;

- Loan price: according to the Bank's standard offer, in force at the date of granting the loan.

Additional credit

- Loan destination: coverage of ineligible expenses related to the project selected by MMACA;

- Lending period: short term: maximum 12 months average term: 60 months

- Flexible guarantees;

- Loan price: according to the Bank's standard offer, in force at the date of granting the loan.

Advice and guides

Credit calculator

Agencies and ATMs

Commissions and tariffs