Object related loans

Such loans are aimed at purchasing fixed assets or buildings, at providing with raw and other materials, at covering overhauling and common running costs, as well as at refinancing loans granted by Banca Romaneasca or by other commercial banks for the purposes mentioned above. They are granted for a maximum 12-month term, with a 3-month grace period for capital expenses funding.

Credit lines

For the proper running of its clients, legal persons, Banca Romaneasca offers revolving credit lines, intended for the working capital, for a maximum 12-month period, with the possibility to extend it provided that the relevant criteria set by the bank should be met.

The bank offers its clients, legal persons, ROL or foreign currency denominated credit lines aimed at covering the funds required for the production cycle. The loan term does not exceed 1 year and the agreed guarantees cover a rich range, such as: collateral cash, letters of guarantees, real and personal guarantees.

If your company is an SME and you do not have enough guarantees to contract high value loans, you can collaborate with the National Fund for the Guarantee of the SME Loans (www.fngcimm.ro ) with which Banca Romaneasca has concluded a partnership agreement .

ACCEPTED GUARANTEES : mortgages, pledges, assignment of receivables, cash collateral, letters of guarantee, guarantees issued by FNGCIMM and FGCR.