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Extended lending period of maximum 24 months

Supporting START-UP customers related to the Non-refundable Financial Aid approved

FNGCIMM guarantee up to maximum 80% of the loan amount or

COSME Guarantee of 50% of the loan amount - guarantee issued by the EIF

Quick resolution of the Loan Application

Loan scope: financing of eligible expenditures under the Project, according to the Financing Agreement concluded by the beneficiary with MMACA

Lending period: maximum 24 months

Loan amount: maximum lei 200,000

Currency: lei

Own contribution: not required

Interest rate on loans granted in 2019: 4.50% / year, fixed

Fees related to loans granted in 2019:
- Analysis: 0%
- Management: 0%
- Grant: 0.75% applied to the amount of the loan, charged on the date of granting the loan
- Early repayment: 0%
For any additional request, the standard fee level will be charged according to the current pricing policy.

- Guarantee issued by FNGCIMM that will cover up to 80% of the loan amount or
- COSME Guarantee of 50% of the loan amount - guarantee issued by the EIF
- Genuine guarantees (which may include, but are not limited to, the goods financed under the project, except for inventory items and intangible fixed assets) that will cover the difference in the value of the loan
- Fiduciary and / or blank promissory notes marked "without protest" issued by the company in favor of the Bank and endorsed by majority shareholders/associates/directors
- Pledge on the client's current accounts opened with the Bank in any currency
- Insurance policies for goods purchased under the Program