Benefits

EaSI guarantee, offered for FREE by the European Investment Fund through Idea::Bank!

  • You benefit from the EaSI guarantee, offered FREE by the European Investment Fund through Idea::Bank and no other real guarantees are required;
  • Low costs: 0% administration fee and reimbursement from own sources;
  • Simple: you can use the amount granted in several installments, without supporting documents;
  • Flexibility: together we establish a repayment plan that suits you, adapted to the specificity of your activity, for a longer period, up to 5 years.

Features

You can benefit from this loan if you are a micro-enterprise.

Is your business a micro-enterprises? Yes, if your business conducts an independent activity, has less than 10 employees and whose annual turnover and total assets do not exceed EUR 2,000,000 for the last financial year ended (definition according to the European Union at the recommendation of the Commission ( 2003/361 / EC)).

  • Idea::EaSI Quick loan destination is to finance the working capital requirement:
    • additional seasonal stock required;
    • required working capital in case of extending the existing activity;
    • payment of current debts to the State Budget;
    • purchases for the current activity (of shelves, display cases, cash registers, furniture, small IT equipment, etc.);
    • small renovations / modernization of buildings necessary for the activity, etc.).
  • maximum amount granted: 115,000 lei
  • repayment term: minimum 3 months, maximum 60 months
  • repayment method: monthly installments
  • required guarantees:
    • EaSI guarantee, managed by the European Investment Fund (80% of the loan amount), with ZERO costs for the company;
    • the trust of the significant associates;
    • mortgage on current accounts opened on behalf of your business, at Idea::Bank.

Costs

They are related to ROBOR and are established to your advantage. The costs are presented to you from the beginning:

  • ZERO guarantee commission for EaSI guarantee;
  • ZERO administration fee;
  • ZERO reimbursement commission from own sources;
  • Preferential interest.

How to apply

To apply for Idea::EaSI Quick choose one of the options below:

  • come to the nearest Idea::Bank branch;
  • fill out the online form below;
  • send SMS to 1710 with the text "EaSI activity loan" and we will call you.

Required documents: depending on the profile of your business, our consultants will inform you about the documents required to approve an EaSI current activity loan.

Apply for Idea::EaSI Quick

We will call you in no time!