FINANCING WITH EUROPEAN SUPPORT
BT special programs are supported by international institutions, so you can invest with confidence.
GUARANTEES THAT IT PROTECTS YOU
You have access to loans with EIF or IDB guarantees - some even without material guarantees.
GROWS IN THE RHYTHM OF YOUR BUSINESS
Whether you need working capital or investments, you choose the appropriate loan duration and type.
YOU DECIDEFUNDING DESTINATION
You spend money where it matters: education, sustainability, development, or expansion.
Choose The special Program SUITABLE
Credit for education, for strategic projects and development or for green projects, with over 50% funding guaranteed by partner institutions (EIF, IDB) and low costs. See which type of credit fits best your business plan.
Financial support for businesses in education: schools, kindergartens, and training providers. Maximum 2 million euros/ 9.7 million lei/ credit.
For SMEs from various fields. European guarantees of up to 70%.
Investments: up to 120 months. Reduced own contribution and much more advantageous costs.
For SMEs from various fields. Project of max. 50 million EUR.
GRANTING CONDITIONS
Do not have a ban on issuing bank checks Do not appear with delays on loans in the Credit Risk Central Database Do not have active records in the Insolvency Proceedings Bulletin
FAST HELP
The program is addressed to businesses operating in the field of education, companies that offer training to employees and are registered in Romania.
Are eligible:
- schools,
- kindergartens,
- universities
- companies that offer training to employees
These can access up to 2 million euros (or 9.7 million lei) for investments or working capital, with EIF guarantee.
- 80% of the credit is guaranteed by EIF, which means zero material guarantees for revolving credit lines or medium-term loans.
- Funding available in lei and euros, up to 2 million euros / 9.7 million lei per client.
- Additional BT guarantees reduced: no material guarantees or maximum 30% of the credit, depending on the type of financing.
- The line of credit can be granted for 24 months, with the possibility of extension up to 8 years from the signing of the contract.
The EIB program targets a wide range of companies: Microenterprises, SMEs, Corporates, and LaCos. Financing can reach up to 12.5 million EUR for SMEs (according to the European definition) and up to 25 million EUR for MidCaps companies with fewer than 3000 employees. Loans are available both in lei and in euros.
- EBRD loans benefit from an interest rate reduction of 0.25% per year, which makes them more accessible.
- They are especially suitable for investments, especially for the acquisition of equipment, with maturities between 5 and 7 years.
- For working capital, financing is granted for 24 months.
- The program also includes funding for green destinations, such as renewable energy, electric vehicles, or investments that reduce energy consumption by at least 30%.
- Loans with BID guarantees are designed to facilitate companies' access to financing under very advantageous conditions. Among the benefits are:
- guarantee of 70% of the loan amount, which significantly reduces the guarantees required by the bank;
- reduced own contribution, which helps companies to start investments more easily;
- funding available only in lei, up to 14,000,000 lei;
- extended maturities: up to 120 months for investments and up to 48 months for working capital (non-refundable facilities).
To access financing, among other conditions, the company must be eligible for de minimis aid, because the EIB guarantee involves checking the ceiling of a maximum of 300,000 EUR over three consecutive years.
WHY DELAY WHAT YOU WANT?
BT special programs are created for entrepreneurs like you. You have access to loans with European guarantees, optimized costs, and flexible conditions, regardless of the field in which you operate.
