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.

Loans granted for financing investment projects

They are aimed at purchasing land, buildings and equipment, know-how, at building or renovating production premises. Such funding covers no more than 85% of the total project value, the remaining part being the own contribution of the client. The credit term does not exceed 10 years, with a grace period correlated with the period needed to finish the financed project.

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, cash collateral, letters of guarantee, guarantees issued by FNGCIMM, FGCR and EximBank.