Access various financing solutions

Discover our financing offer: Loans, Credit cards or if you are active in the agricultural industry APIA financing. You can also use the Level for issuing letters of guarantee / import credit letters. Find out everything below.

LOANS

OVERDRAFT LOAN

Revolving facility in LEI or EUR, granted in the current account, with multiple withdrawals and repayments during the crediting period and within the available ceiling. BENEFITS Flexibility - use in one or more installments without having to present supporting documents Repayment - pay monthly only interest and commissions Additional liquidity - the loan can be renewed at maturity without having to repay it Find out below how to use these products

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The product allows you to make payments at any time and can be used for supplier payments, purchase of raw materials, stock of goods, salary payments

At the same time, you can use it to pay debts to the state budget, refinance the same type of facilities from other banks, issue letters of bank guarantee and/or letters of credit.

To remember:

The amount of the loan is determined by your needs and ability to repay


 

CREDIT LINE

Credit facility in LEI or EUR, short term, revolving type or with the repayment schedule. BENEFITS Flexibility - use in one or more installments without the need to present supporting documents Reimbursement - pay monthly only interest and commissions. Additional liquidity - the loan can be renewed at maturity without the need to repay it. Find out below how to use these products

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You can use the money to finance current expenses generated by the activity, such as payments to suppliers, utilities, salaries, budget payments, or refinancing facilities of the same type from other banks.

To remember:

The amount of the loan is determined by your needs and ability to repay.

CREDIT ON DOCUMENTS IN COLLECTION

Revolving facility in LEI or EUR granted based on invoices and payment instruments (promissory notes). BENEFITS Flexibility - use in one or more tranches without the need to present supporting documents Accessibility - the credit limit is replenished from the receipts from your account, then it can be used again. Repayment - will be made upon collection of settled documents / mortgaged invoices. Find out below how to use these products

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You can use the money to finance current expenses generated by the activity, such as payments to suppliers, utilities, salaries, budget payments or refinancing facilities of the same type from other banks.

To remember:

The amount of the loan is determined by your needs and ability to repay.

CREDIT CARD

The Business Credit Card in RON is the optimal solution for financing the current needs of your company. You can use it both for the purchase of goods and services, and for travel expenses.

A fixed interest rate or zero interest if you repay the total amounts used to merchants during the grace period (60 days). Get free travel insurance for Gold cards.

Reimbursement is 10% of the loan used and full interest, full fees and commissions related to the credit ceiling.

 

The credit limit for the card is revolving and is replenished from the refunds made.

To remember:

It's a Visa card. The maximum amount can be EUR 10,000 for the Standard product, or EUR 50,000 for the Gold product, equivalent in RON. The value of the loan is determined by your needs and repayment capacity.

APIA FINANCING

It is a credit facility in LEI for financing the beneficiaries of the support schemes implemented by APIA, based on the APIA - SAPS and APIA - Animal Welfare conventions.

Flexibility - can be used in one or more tranches without the need to present supporting documents to the bank Additional liquidity

The (single) reimbursement will be established in strict correlation with the receipts from APIA.

The financing can be accessed based on the APIA certificate.

Please note: The credit limit represents up to 90% of the amount due according to the certificate in the case of the APIA - Animal Welfare Convention and up to 95% in the case of the APIA - SAPS Convention.

The granting period is up to 12 months, correlated with the collection of the APIA subsidy.

Level for issuing letters of guarantee / import letters of credit

It is a revolving financing granted for the issuance of letters of guarantee / counter-guarantee and import letters of credit. Grant currency: RON, EUR.

You can issue any type of bank guarantee letter (participation in the auction, good execution, payment guarantee, advance return guarantee, good technical execution, guarantee for withholding the amount within a contract, guarantee for payment of customs duties and other budget receivables ).


The documentary letter of credit offers you the security of delivery of the goods by the exporter in the contractually negotiated conditions. The payment of the goods is made only if the documents presented by the exporter are in strict accordance with the terms and conditions of the letter of credit.

The limit can be drawn in full, in one or more issues of letters of guarantee / letters of credit.

The maximum grant period is up to 36 months.

The repayment can be made from the amounts available in the current account, from the collateral deposit or it will be considered use from the credit facility.


To remember:

The value of the limit is determined by your needs and repayment capacity.

Our dedicated staff is at your disposal for any information about our products and services at tel: 021 303 69 69 or 0800 801 8021 802.

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