Investment Loan
Wish to invest and make your business more efficient? Or maybe to extend it? Equipment, vehicles, buildings, land - you can have them all by using the investments loan.
Investments loan is destined for the purchase of:
- technical equipment, production lines, installation;
- office equipment (computers, xerox, etc.);
- non-register vehicles (bull-dozers, excavators, cranes or any other caterpillars vehicles);
- Utilitary and tourisms vehicles;
- Office space; commercial space, warehouse;
- Re-technologizing and updating installations and technological lines;
- Refinancing credits with similar destinations from other financial institutions;
- Investment financing (VAT included);
Long term credit maturity: maximum 5 years
Grace period: up to 6 months
Functionality
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Eligibility criteria
- Financial stability;
- Experience in the domain - at least one year;
- No overdue credits;
- No payment incidents in the Payment Incidents Center.
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Necessary documents
- Last two Annual Balance Sheets stamped by National Agency for Fiscal Administration with the relevant trial balances (for companies with more than 2 years activity);
- Bi-annual Balance Sheet and the relevant trial balance (if existent);
- Last trial balance closed (not older than 2 months);
- Legal documents of the company.
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Collaterals
The bank requires solid guarantees:
- mortgages;
- pledge on goods, merchandise, equipment, cash;
- assignment of receivables;
- letters of guarantee;
- documents/payment instruments ( payment orders confirmed by the payer bank, cheques/ promissory notes assigned in favor of the bank).
