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Guarantee of 50% of the amount of financing, free of charge, issued by the European Investment Fund, with a low level of securities requested to the client (maximum 60% of the loan amount)

Fast reply to credit application

Eligible beneficiaries: any entity defined as per Law no. 346/2004

Loan purpose:
- Investment loans
- Revolving credit facilities

Security validity - minimum 12 months, respectively:
- maximum 5 years - for credit facilities
- maximum 10 years – for investment loans

Loan value: maximum 699,000 RON

Maturity of loans is of minimum 12 months and maximum 120 months (60 months for credit facilities).

Currency: RON

COSME security is applicable to new loans and can not be applied to ongoing loans.

Eligibility Criteria

Loan applicant must be a SMM as per Law no. 346/2004 and must fulfill the following requirements:
- is registered and operates in Romania;
- is not the subject of insolvency proceedings and does not meet the criteria laid down by national law for declaring insolvency proceedings at the request of its creditors;
- does not have a substantial concentration in one or more restricted sectors (a determination to be made by the Bank, but not limited to the proportional importance of this sector on turnover, without exceeding one-third of it) and does not carry out activities in excluded sectors (tobacco and alcoholic beverages, weapons, gambling, illegal activities, casinos, etc.);
- does not have delays in payment or other deviations in connection with any other loan or lease contract signed with the Bank or another financial institution, established following verifications performed in accordance with the Bank's internal regulations;
- is not engaged in illegal activities in accordance with applicable national, European and international legislation, including the Charter of Fundamental Rights of the European Union and the European Convention on Human Rights and its complementary protocols.

Documents required to obtain a loan with COSME security

Investment loans

Credit facilities (of revolving type)