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Flexible reimbursements methods and guarantees

The credit may be fully used or in deferred instalments

Fast resolving of the Credit application

Visualizing of the financial status and of the current account/card transactions via Internet Banking and Mobile Banking Services provided by the Bank

The Bank provides free consultancy for the preparation of the documentation required to access the credit
Eligible customers: authorized individuals, individual agricultural producers and individuals (or individuals associations without legal personality) who carry out economic activities under the form of liberal professions, without being member of an association with legal personality, which fall under one of the categories hereunder:
- Lawyer, Legal Adviser, Notary Public, Physician, Veterinarian, Pharmacist, Nurse, Expert Accountant, Registered Accountant, Financial Auditor, Architect, Restorer, Teacher, Customs Expert, Technical/Valuator Expert, Tax Counsel, Sworn Translator, Taxi Driver, Food/Non-food Products Seller, Insurance Broker, Craftsmen, Plumber, Electrician, Cosmetician, Professional Associations (Notary Offices consisting of at least 2 Notary, Law Offices, Judge Order Enforcement Offices, etc. consisting of two or more associated authorized individuals from the same field), Fish Farm Workers, Builders, Travel Agent, Liquidator, Driving Instructor etc., Individual agricultural producer, Other categories.

Credit Destination:
a. Working capital financing (credit line)
b. Investments financing:
- purchase of equipment, furniture, cars 
- purchase of spaces required to carry out businesses
- modernization/refurbishment of headquarters
- purchase of lands etc.
c. Refinancing of some credits contracted from other financing companies

Credit Duration: 
- 12 months for working capital financing
- 60 months for investments financing

Grace Period: maximum 6 months for investments credits

Credit Amount: min. the equivalent value of 5,000 EUR

Credit Currency: LEI, EURO, USD

Own Contribution: 
- for working capital – it is not required
- for investments – minimum 15% of total investment amount (cash and/or in kind)

The variable interest shall be established according to the lending term and client’s performance class

Guarantees: any guarantee or combination of guarantees agreed by the Bank