Banca Transilvania supports entrepreneurs under the Start-Up Nation Program through the BT Start-Up Nation Package, which includes a bridge loan, a current account, the First Year Free Account facility, and complementary banking benefits for the first year of business.

The services included in the BT Start-Up Nation Package are designed to help manage the business and address some of the real needs of entrepreneurs at the start of their journey — from the ability to build a company website or your own online shop, invoicing, free occupational health services and recruitment ads, through to access to courses and workshops.

The BT Start-Up Nation Package includes the following:

- Bridge loan;

- Current account with Banca Transilvania;

- The BT facility, First Year Free Account;

- Enrolment in BT Club and free access to courses, training sessions and events for the business community. The Club is a BT initiative dedicated to entrepreneurs and has over 25,000 members;

- Blugento benefit: the option to build a business website or your own online shop in less than 3 days;

- Free invoicing services for 12 months, via SmartBill;

- 12 months free for occupational health services for 4 employees, through the Regina Maria private healthcare network;

- 2 types of recruitment ad packages on the eJobs platform;

- The “Alertă firma ta” package, provided by Termene.ro, a platform with official, real-time updated information on the financial and legal data of companies in Romania;

- A free account on Online Mastery StartUp, a platform offering access to online marketing courses.

The bridge loan is intended to cover current eligible expenses under the business plan in the financing program, until the tranches are disbursed from the non-reimbursable amount of up to RON 200,000 (approximately EUR 44,000). Interest, BT fees and the loan guarantee fee charged by the National Credit Guarantee Fund are eligible expenses under the grant. The fixed interest rate on BT’s bridge loan is 4.5%, and the arrangement fee is 0.75%.

Banca Transilvania is one of the banks selected by the Ministry for Business Environment, Commerce and Entrepreneurship to distribute the Non-Reimbursable Financial Allocation. As a national government program, Banca Transilvania works with all its partners, such as the ministry’s regional agencies and the National Credit Guarantee Fund for SMEs.

For BT, Start-Up Nation is another way to contribute to economic growth by encouraging business start-ups and supporting those with an entrepreneurial mindset.