Patria InvestEU small business loan

What is the InvestEU Homeland Credit?

Simple! A new credit that is guaranteed by the European Union and gives your business the flexibility it needs to move forward and grow.

With Patria InvestEU you can choose:

• How you repay the loan amounts
• The type of interest: fixed or variable

&If you want to know exactly what you're relying on, there are no real guarantees and it's quick to respond in just 3 days.

Who can benefit from this credit?

• Businesses in almost all sectors (trade, production, transport, agriculture, etc.) regardless of the form of organisation: SRL, SA, PFA, II, IF with a maximum of 9 employees, who have a minimum of 12 months of activity / proven experience.
• Other agricultural producer legal entity, authorised natural person, agricultural companies, individual agricultural producer, family associations, întreprises, întreprises individuals or other forms of organisation with a maximum of 9 employees, who have at least 12 months of activity / proven experience.

What are your benefits?

Easy to access:
•   No collateral on your part, the loan is guaranteed by our agreement with the European Union
•   Advantageous costs compared to a standard credit
•   No down payment required for investment plans
•   Our advisers will help you în preparing your file based on the specifics of your business 

Customised:
•   The loan amount is sized to the level of your business. It can be up to 240,000 lei, under certain conditions relating to aspects such as: repayment capacity, experience of key people in the business, age of the business, payment behaviour.
The repayment period is flexible and set according to the pace of your business, in equal, seasonal or personalised instalments

You can use the money for whatever your business needs:

What else you need to know: 

• Granting currency: lei
• Amount: minimum 1,000 lei, maximum 240,000 lei &depending on conditions related to: repayment capacity, experience of key persons in the business, age of the business, payment behaviour.
• Period: maximum 60 months, with the possibility of extension up to 84 months for financing the purchase of agricultural land, construction and real estate acquisitions ( for commercial purposes, including farms)
• Rates can be paid:
  • Online, directly îon the website www.patriacredit.ro 
  • &In any Patria Bank branch
  • By Pay Point, SelfPay or Romanian Post;