Loans granted with EIF guarantee

Intesa Sanpaolo Bank Romania can grant loans with guarantees from the European Investment Fund (EIF) until July 22^nd, 2027, based on EIF programs with two objectives - Sustainability and Competitiveness.
 

An instrument, focused on facilitating access to finance for SMEs, aims at growth, liquidity and economic stability.

• Guarantees Volume 14,000,000 EUR
• Guarantee percentage: 50 - 70%, depending on the development of the region
• EIF guarantee validity:
  • Min. 30 months working capital
  • Min. 102 months investment
• Guarantee fee: 0.75%/year
• Product types: Investment loans and working capital credit lines, to facilitate access to financing and support the development of SMEs.
   

An instrument dedicated exclusively to financing projects with a green and sustainable impact. It typically offers a higher level of guarantee and greater risk tolerance in exchange for meeting specific ESG criteria.

• Guarantees Volume 21,000,000 EUR
• Guarantee percentage: 70%
• EIF guarantee validity: Min. 12 months working capital/investment
• Guarantee fee: 0.75%/year
• Product types: Investment loans and working capital credit lines, with the objective of making the economy more environmentally friendly and more sustainable.

To verify the eligibility of your transaction for accessing a product with an FEI Sustainability Guarantee, please access the following link: EIB Group Green Checker

*Applicants and credit transactions must meet the eligibility criteria specific to each type of guarantee.

• Access to finance
• Reduced guaranty requirements
• Lower financing costs translated into a financial benefit (lower interest margin vs the standard margin charged by the Bank)