I.M.M. INVEST 2021 (M.F.P. IN COLABORATION WITH F.N.G.C.I.M.M.)
ELIGIBILITY OF THE APPLICANT
Microenterprises, between small and small companies (0-249 employees) with positive capital in 2019
Unconditional justification for the decrease in turnover comes in the context of COVID-19
Our emergency certificate is required
All eligible areas of activity *
* except: gambling and betting activities, production or sale of weapons, ammunition, explosives, tobacco, alcohol, substances filled under national control, plants, substances and preparations, narcotics and psychotropic substances, research and protection activities.
MAXIMUM CREDIT VALUE
Microenterprises: max. 500,000 lei
Small businesses: max. 1,000,000 lei
Medium-sized enterprises: max 5,000,000 lei
Micro-enterprises, small enterprises, medium-sized enterprises: max. 10,000,000 lei
A beneficiary can opt for several types of loans. The maximum cumulative amount of appropriations may not exceed one of the following:
-double the amount representing salary expenses, including mandatory social contributions due by the employer related to income from salaries and assimilated to salaries, recorded in 2019.
-25% of the net turnover of the beneficiary for 2019, respectively the gross income or the annual income norm in the case of individuals who obtain income from independent activities.
-Free justification: a value resulting from its liquidity needs, these may include both working capital costs and investment costs, provided that the supporting documents are presented by the beneficiary, in which case the loan amount cannot exceed the needs of cash from the time of granting for the next 18 months
ELIGIBLE ACTIVITIES AND EXPENSES
Working capital loans – max 36 months, with the possibility of extension by another 36 months: operating expenses – salaries, expenses with third parties (suppliers), raw materials, utilities, taxes and debts to the state budget;
Investment loans – max 72 months: making investments for business development.
Working capital loans: micro-enterprises, small enterprises
Investment loans for micro, small, and medium
Working capital loans for medium-sized enterprises
BENEFITS AND COMMITMENTS
The loans benefit from 100% subsidized interest until 31.12.2020, with the possibility of extension until 31.12.2022!
-Early repayment: no costs, no additional fees
-Unconditional on justifying the decrease in turnover due to the context of COVID-19
-It does not require obtaining the Emergency Certificate
-Beneficiaries undertake not to lay off existing staff between: 4 April 2020 and 31 December 2020.
-The launch of online registration has been delayed, but will be announced in advance.
-Selection principle: First income, first served (until budget exhaustion), based on credit applications approved by partner banks (not based on online registration).
-Obtaining state-guaranteed loans and subsidized interest;
-Obtaining non-reimbursable funds;
-Consultancy for submitting an unlimited number of credit applications for access.
To benefit from FREE CONSULTATION fill in the form below!