FNGCIMM guarantees for SME loans (Plafon and Expres)
A guarantee for SME loans: up to 80% for investments and 50% for working capital, requested through the lending bank. It is not a state guarantee.
Deadlines and funds can change: confirm on the official site before you apply.
In short
- Who it is for
- Companies
- How much you can get
- Up to €2,500,000
- Until when
- No deadline announced
- Where you apply
- fngcimm.ro
What do these words mean?
Eligible
Eligible means you meet the programme's conditions. An eligible expense is one the programme can actually pay for; an ineligible one you pay yourself, even if the project is approved.
Applicant and beneficiary
The applicant is the one who asks for the funding. They become a beneficiary only after the request is approved and they sign the funding contract or decision.
Application session (call)
The period when the institution takes requests. Once it closes you can no longer apply, and sometimes the funds run out before the last day. A programme may have several sessions a year or only one.
Applicant's guide
The official document with all the rules: who can apply, which expenses count, which papers you need and how scoring works. If anything differs from what FonduRO says, the guide is what counts.
Non-refundable grant
Money you do not have to pay back if you follow the programme's conditions. It usually covers only part of the costs, and you put in the rest.
Where this comes from: FNGCIMM, fngcimm.ro/garantii-din-fonduri-proprii și /garantii-pentru-imm, citite pe 13 octombrie 2026.