IMM INVEST PLUS

Along Romanian companies with IMM INVEST PLUS

Benefits for your business

Profitable

0% interest for a period of 8 months from the first use of the loan

Flexible reimbursment

72 months maximum grant period

Guaranteed by the state

The state guarantees up to 90% of the loan amount

Benefits


IMM Invest Romania is one of the most important support programs for Romanian companies, through which micro, small and medium enterprises and small enterprises with medium market capitalization can meet their financing needs by accessing one or more loans for investment or working capital , even in the current context.

Also, under this support program, the AGRO IMM INVEST Subprogramme supports companies in the field of agriculture, fisheries, aquaculture and food sector by accessing one or more loans for investment or working capital

  • The state guarantees up to 90% of the value
  • You do not pay interest for the first 8 months from the date of granting the loan and the guarantee fee for the entire loan period is 100% subsidized from the state budget
  • No early reimbursment fee
  • 36 months maximum grant period for working capital lines, with the possibility of extension to 72 months
  • 72 months maximum period for granting investment loans 
  • Financing in lei
  • If you apply for a loan under the AGRO IMM INVEST subprogram, you will receive from the state budget a non-reimbursable amount of maximum 10% of the loan amount 
imm invest
Loans for investments and credit lines for working capital will be guaranteed by FNGCIMM, through the Ministry of Public Finance and FGCR, as follows:
  • Micro-enterprises and small enterprises - up to 90% of the value of working capital loans, with a maximum value granted of 500 thousand lei in the case of micro-enterprises, respectively 1 million lei in the case of small enterprises.
  • Micro-enterprises for loans of more than 500 thousand lei, small enterprises for loans of more than 1 million lei, medium-sized enterprises and small enterprises with average market capitalization - up to 80% of the value of working capital loans, with a maximum value of 5 millions of lei.
  • Up to 80% of the value of investment loans granted under the program, regardless of the type of enterprise. The amount of loans cannot exceed 10 million lei.
  • The maximum cumulated value of state-guaranteed financing (investments and working capital) that can be granted to a single company is 10 million lei.
Care sunt pașii pentru accesarea finanțării

Care sunt pașii pentru accesarea finanțării

  • Accesezi  www.IMMInvest.ro și completezi toate datele de identificare ale firmei;
  • Alegi Intesa Sanpaolo Bank Romania ca banca finanțatoare în acest program și completezi informațiile despre tipul produsului de credit și suma solicitată în lei;
  • Încarci certificatul de înregistrare fiscală, cartea de identitate și declarația IMM în format .pdf (completată și semnată);
  • În cazul în care informațiile sunt corecte, vei primi un număr de înregistrare și un mesaj de confirmare;
  • FNGCIMM, FGCR sau FRC, după caz verifică datele financiare și emite acordul de principiu privind eligibilitatea în cadrul programului
  • Pregătim împreună dosarul de credit și retrimitem spre analiză către FNGCIMM, FGCR sau FRC, după caz pentru acordul final asupra garanției;
  • După ce primim răspunsul final de la FNGCIMM, FGCR sau FRC, după caz privind acordarea garanției, stabilim împreună pașii necesari pentru semnarea contractelor.
     

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