until 125,000 lei
You have credit from BT, repayable within a maximum of 24 months, if you need money before the completion of the project.
ZEROcommission
In the first 12 months, you benefit from the First Year Free Account package. That means you have a whole year without fees.
total control from App
See everything that happens with your business, directly from BT Go.
No roads at the bank
We open a new project account for you if you already have an account at BT.
Good to know
Interest:ROBOR 6M + 2.5%, which is paid monthly from own sources
Grant commission: 0.5% of the loan value
Management fee: 0.05% per month
Guarantee through FNGCIMM or assets financed from credit and/or other guarantees
Online account directly from the App
If you are not yet a BT client, the first step is to have a current account opened with us. Open an account 100% online directly from BT Go.
All cards, at hand
You issue, block, modify trading limits, everything directly from the app.
Instant transfers
Payments to partners or the state budget? Everything at one click distance.
Account statements
You have a section dedicated just for that, so you have the best possible relationship with your accountant.
Lei or
currency?
You open new accounts, save money, and make simple or negotiated currency exchanges in any currency.
You are safe
You have full control over your accounts for any unforeseen situation that may arise.
FAST HELP
The project account is opened at BT, and the procedure is very simple:
- If you already have a current account at BT, the bank will automatically open the dedicated Start‑Up Nation project account for you.
- If you don't have a current account at BT, you can:
- open online, from BT Go, or
- in a BT unit, and afterwards the bank will also open your project account.
You must know that all payments in the project will be made exclusively from this account.
No. The bank can finance up to 50% of the value of the Non-Refundable Financial Aid, in the form of a bridge loan. The remaining 50% of the NRFA you will receive as an advance, directly into the project account.
Also, it is necessary that you ensure your own contribution for eligible expenses (where applicable) and cover any ineligible expenses from your own sources, also through the project account.
For the bridge loan, the guarantees can be the goods purchased within the project, or a guarantee provided by FNGCIMM (National Guarantee Fund), according to the applicable conditions.
Non-reimbursable financial aid is granted in two installments by the Agency for SMEs with which you signed the financing contract:
- The first installment is transferred after signing the AFN Grant Agreement. At the moment the money is transferred, we notify you by SMS.
- The second installment is granted after the expense certification visit and final approval of the expense report.
everything you need to get started
More details about benefits and eligibility criteria can be found in the dedicated guide.
