Purpose: It covers the cash-flow needs and offers the possibility to cover temporary liquidity needs, respectively covering working capital needs. It can be used for the purchase of raw materials or goods, payment of wages, payment of utilities, payment of taxes to the state, payments to suppliers, other situations, refinancing facilities of the same type from another bank.

Amount: EUR 200,000 equivalent, depending on the client's needs, provided that it falls within the maximum limit. The maximum amount per total products without material guarantees is EUR 100,000, depending on the customer's needs, if it is included within the minimum and maximum limit.

Currency: RON, EUR

Maturity: 12 months, with the possibility of extension

Reimbursement method: the facility is attached to a current account of the client, opened with the Bank. Reimbursements will be made automatically from the amounts transferred by the client through the account opened with the Bank, on which the limit is set.

To complete the guarantee structure, guarantees obtained from guarantee funds (e.g. FNGCIMM / FGCR) can be used.

Purpose: Multiple purposes for business development, as follows: current expenses or expenses specific to the company's activity (suppliers, salaries, payment obligations to the state budget, purchase of stocks, equipment, refinancing). Non-cash drawdowns are not allowed.

Amount: EUR 200,000 equivalent, depending on the client's needs, provided that it falls within the maximum limit. The maximum amount per total products without material guarantees is EUR 100,000, depending on the customer's needs, provided that it is included within the minimum and maximum limit.

Currency: RON, EUR

Maturity: 36 months without guaranties, 60 months with guarantees

Reimbursement method: schedule with monthly refunds.

To complete the guarantee structure, guarantees obtained from guarantee funds (e.g. FNGCIMM / FGCR) can be used.

Purpose: Revolving facility. Issuance of non-cash facilities (letters of guarantee/counter-guarantee and letters of credit).

Amount: depending on the needs of the client and his financial situation

Currency: RON, EUR.

Maturity: up to 36 months, with the possibility of extension.

Reimbursement method: in case of execution of the letter of guarantee or payment of the letter of credit, reimbursement will be made from the amounts available on the current account and/or from the collateral deposit (if applicable). For cases where the guarantee is not cash collateral and the client does not have amounts available in the current account, the amounts paid by the Bank will be considered uses from the credit facility.

Purpose: Customers benefiting from subsidies granted by APIA based on certificates issued by APIA can obtain a bridge loan necessary for carrying out agricultural activity, until receiving the subsidy from APIA. Financing the production cycle, supporting customers benefiting from support schemes implemented by APIA (Agency for Payments and Intervention in Agriculture).

I. Single area payment scheme - SAPS, redistributive payment, greening payment, rural development compensatory measures applicable on agricultural land.

II. Annual measures for animal welfare (pigs and poultry).

III. State aid scheme regulated by Government Decision 1179/2014

Amount: maximum 90% of the amount due to beneficiaries based on the certificate issued by APIA, but not more than the percentage specified according to the annual conventions in force signed between the Bank and APIA.

Currency: RON.

Maturity: maximum 18 months, correlated with the receipt of the APIA subsidy (but not more than June of the following year).

- The final payment term of APIA subsidies may be extended depending on the subsequent notifications of MADR, APIA regarding the date of payment of subsidies.

- In case of extension of the final payment term of subsidies at the request of MADR and APIA: The credits will be extended without additional analysis in accordance with the new period communicated by APIA, MADR or other institutions (according to the addendum concluded to the Convention with APIA), without the need for an agreement from the client.

Reimbursement method: automatically, (partially* or fully) when receiving the subsidy from APIA.

*If APIA makes advance payments of the subsidy before June of the following year.