EBI loans
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Financing from EBI sources
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Loans for companies
SME/MidCap who are facing Covid 19 pandemic
EIB financing for SMEs and MidCap companies that face the Covid 19 pancadeic and thus may benefit from a more advantageous interest rate than the standard one applied by bank applies to other similar financing.
What are the types of products available?
Medium and long-term loans offered both for investments and for financing the current activity.
Who are the eligible beneficiaries?
Romanian companies, which have a maximum of 3,000 full-time employees and which comply with the eligibility conditions.
How long does it take for a project to be implemented?
Maximum 3 years, calculate from the moment the works start and until the investment becomes operational.
What is the maximum value of the financed project?
25 million EURO or the equivalent in RON.
How long does the loan last?
24 months, without exceeding the economic and technical life of the financed project.
What can the financed project aim at?
Acquisition, renovation or extension of tangible assets, including financing expenses during construction and acquisition of essential land for the project, in limit of 10% of the total value of project costs.- Investments in intangible assets: research, development and innovation expenses e (including salary expenses and for the acquisition of patents, trademarks, licenses, etc.), the acquisition of licenses, software and other assets - The need for working capital in the medium and long term (minimum 2 years) - Including the acquisition of materials raw materials and materials, stocks, cost of inventory items, payment of labor, financing of trade receivables from sales, other operating expenses
For more information about the non eligible costs or fields and other conditions please check the document Cheltuieli domenii neeligibile Credite BEI.
SME & MidCap and Public Institutions
LOANS FOR COMPANIES
What types of products are available?
Loans for investments and for financing current activity.
Who is eligible?
Romanian independent companies with maximum 3.000 full-time employees that comply with the product eligibility requirements.
How long can project implementation take?
Maximum 3 years, starting when works begin and until the investment becomes operational.
What’s the maximum amount of the financed project?
26 M EURO or the RON equivalent.
What’s the term of the loan?
Minimum 24 months, but no longer than the financed project technical and service life.
What types of projects can be financed?
- Acquisition, renovation, modernisation, building or extension of tangible assets, other than land;
- Investments in intangible assets (planning and development expenses, research and development costs, development/ taking over distribution networks on local level or on other EU markets;
- Working capital on medium and long term (minimum 2 years) – Including purchase of raw materials, inventories, cost of inventory items, workforce, financing the sales receivables, other operating expenses
- Different generations (withdrawal of company’s previous majority shareholder), including ensuring/transfer of staff required to continue the purchased company’s business (total financing cannot be over 1 M EUR).
For more information about the non eligible costs or fields and other conditions please check the document Cheltuieli domenii neeligibile Credite BEI.
If you are already our client, you will enjoy a promotional interest rate, decreased than the standard one.
LOANS FOR PUBLIC ENTITIES
What types of products are available?
Loans for investments.
Who is eligible?
Public entities that meet the eligibility requirements of this product.
What purpose can the financed project have?
Project for investments in infrastructure, in community projects that are economically, technically, financially and environmentally sustainable and that contribute to at least one objective of the European Union policy.
How long can project implementation take?
Maximum 5 years starting from the works commencement until the investment becomes operational.
What value can the financed project have?
Between 40,000 EURO and 25 M EUR or the equivalent in Lei, but the maximum amount of loan from EBI can’t be more than 50% of the project total eligible costs.
What is the term of the loan?
At least 60 months, a grace period could be granted. Exceptionally, the term of the loan can be 24 months.
What costs are eligible?
Those directly related to an investment, as long as such costs condition the project economic and technical implementation. Also, the project durability or permanent nature of the activities must require a long or medium-term investment.
For more information about the non eligible costs or fields and other conditions please check the document Cheltuieli domenii neeligibile Credite BEI.
If you are already our client, you will enjoy a promotional interest rate, decreased than the standard one.