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    green loans

  • Currency

    Lei or Euro

    Lei or Euro

    Lei

    Lei or Euro

    Lei or Euro

    Lei or Euro

    Lei

    Lei or Euro

    Credit period

    Photovoltaic Park: up to 12 years;
    Prosumer: 2–10 years

    up to 10 years

    up to 7 years

    7–10 years

    Photovoltaic Park: up to 12 years;
    Prosumer: 2–10 years

    up to 10 years

    up to 7 years

    7–10 years

    Benefits
    • More predictable revenues (selling energy to the grid)
    • Significant reduction of carbon emissions
    • Increase in the value of the company's assets
    • Energy independence
    • Energy cost reduction
    • Improving operational performance
    • Increase in asset value
    • Image of a responsible company
    • Modernization of equipment and technologies
    • Increase in productivity
    • Reduction of production costs
    • Adaptation to climate change
    • Access to non-reimbursable EU funding
    • Sustainable water use
    • Protecting aquatic ecosystems
    • Operational cost reduction
    • Transformation of waste into sources of income
    • Access to non-reimbursable co-financing
    • More predictable revenues (selling energy to the grid)
    • Significant reduction of carbon emissions
    • Increase in the value of the company's assets
    • Energy independence
    • Energy cost reduction
    • Improving operational performance
    • Increase in asset value
    • Image of a responsible company
    • Modernization of equipment and technologies
    • Increase in productivity
    • Reduction of production costs
    • Adaptation to climate change
    • Access to non-reimbursable EU funding
    • Sustainable water use
    • Protecting aquatic ecosystems
    • Operational cost reduction
    • Transformation of waste into sources of income
    • Access to non-reimbursable co-financing
    Destination
    • Construction and equipment of photovoltaic parks
    • Complete installations for prosumers
    • Implementation of the Modernization Fund, Electric Up2
    • Modernization of lighting, heating, air conditioning
    • Thermal insulation
    • Acquisition of efficient equipment
    • Energy management systems
    • Agricultural machinery purchase
    • Irrigation systems
    • Monitoring equipment, GPS, software
    • Photovoltaic panels for farms
    • Water treatment infrastructure
    • Recycling Systems, Waste to Energy
    • Eco-friendly equipment
    • Plastic compacting stations
    • Construction and equipment of photovoltaic parks
    • Complete installations for prosumers
    • Implementation of the Modernization Fund, Electric Up2
    • Modernization of lighting, heating, air conditioning
    • Thermal insulation
    • Acquisition of efficient equipment
    • Energy management systems
    • Agricultural machinery purchase
    • Irrigation systems
    • Monitoring equipment, GPS, software
    • Photovoltaic panels for farms
    • Water treatment infrastructure
    • Recycling Systems, Waste to Energy
    • Eco-friendly equipment
    • Plastic compacting stations
    Grace period

    up to 12 months

    up to 12 months

    up to 6 months

    up to 12 months

    up to 12 months

    up to 12 months

    up to 6 months

    up to 12 months

    Credit value
    • Photovoltaic Park: 70–85% of the investment
    • Prosumer: up to 90%
    • Electric Up2: up to 100%

    covers a significant part of the project

    max. 90% of the investment

    max. 90% of the investment

    • Photovoltaic Park: 70–85% of the investment
    • Prosumer: up to 90%
    • Electric Up2: up to 100%

    covers a significant part of the project

    max. 90% of the investment

    max. 90% of the investment

    Client contribution

    Photovoltaic Park: 15–30%;
    Prosumer: min. 10%

    min. 10%

    min. 10%

    min. 10%

    Photovoltaic Park: 15–30%;
    Prosumer: min. 10%

    min. 10%

    min. 10%

    min. 10%

    Minimum granting conditions
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.
    • you are not prohibited from issuing bank checks
    • you do not appear with delays on loans in the Credit Risk Center
    • you have no active records in the Insolvency Procedures Bulletin.

    Taxes and fees

    Awarding commission

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    1.50% (minimum 500 lei)

    Non-use commission

    -

    1.5%/year

    -

    1.5%/year

    -

    1.5%/year

    -

    1.5%/year

    Management commission

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    0.15% / month (on the average credit balance)

    Early repayment fee (for loans taken over by other banks)

    2%

    2%

    2%

    2%

    2%

    2%

    2%

    2%

    Necessary Documents

    Certificate of fiscal attestation
    Last quarterly trial balance ended
    The last two annual financial statements, together with the corresponding balances and receipts
    The legal-constitutional approval regarding the contracting of the credit
    Documents for the proposed real guarantees, in case the credit is secured by real guarantees
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