© 2018 OMRO IFN S.A.

Business Loans

Do you have a trade, service, manufacture, construction or transport activity?
Ensure the continuity of your business and invest in its development

Request a personalized offer

Your request will be analysed and you will be contacted by our Loan Advisers in maximum 24 hours.

Loans for working capital

- solving liquidity problems;
- purchase of goods, commodities, raw materials, services;
- payment of suppliers or other creditors;
- payment of current debts and arrears to the state budget;
- repayment of loans to associates;
- payment for other expenses;
- refinancing current loans for the same purpose from other banks
or NBFIs;

Investment loans

- purchase of machinery (production);;
- purchase of new or second-hand cars used for business concern;
- purchase or renovation of production/sales premises;
- purchase of office furniture, (IT) equipment and other related
investments (licenses, trademarks);
- refinancing current loans for the same purpose from other banks
or NBFIs;
- refinancing of investments made during the last 12 months,
financed from own sources;

Eligible customers: registered sole traders (PFA), individual companies (II), family owned companies (IF), limited liability companies (SRL), joint stock companies (SA), freelancers with a minimum of 6 months of activity

Amount: between 5,000 - 120,000 RON for working capital and 10,000 - 120,000 RON for investments depending on the age of the business

Reimbursement period:
- between 3 - 24 months for working capital
- between 3 - 42 months for investment credit

Interest and charges: fixed interest rate during the first 6 months, and a financing fee charged once, upon loan granting


  • collateral (equipment, means of transport, machineries, etc.)

  • construction and/or land mortgages

  • personal securities

  • the goods purchased with the loan can also be used to secure the loan

Loans up to 45,000 RON may be secured by personal guarantee and loans up to 100,000 RON may be secured by collateral (real estate securities not being mandatory)

Revenues accepted: 

  • revenues from the sale of goods and merchandise

  • income from executed works and services provided

  • income from various activities


Useful information:

  • the two types of loans can be accessed and carried out at the same time

  • you benefit from assistance in preparing the file and throughout the credit process

  • fast analysis, the loan is approved in maximum 3 days after submitting all documents 

  • you know from the start all the costs

  • you do not have guarantee evaluation or insurance costs

Calculate the installment for the desired amount and reimbursement period:

The calculated installment is estimated.

A single financing fee is charged upon loan granting.