Microfinance Has No Ethnicity Programme

Partnership for financing and inclusion of Roma entrepreneurship community 

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What is the Microfinance Has No Ethnicity programme?

A new lending program, with a unique partnership in the market, partnering with REDI - Roma Entrepreneurship Development Initiative, to support and open new business development opportunities for Roma citizens.

You can choose:    

  • When you repay the loan amounts according to your repayment schedule correlated to your receipts.
  • Type of interest: fixed or variable

Plus, it's unsecured and quick turnaround, in just 3 days, so you know exactly what you're relying on

Who can benefit from this loan?

  • Entrepreneurs who are part of the Roma community;
  • Entrepreneurs who employ people from the Roma community.

What are the benefits for your business?

Easy to access:
- No collateral on your part, the loan is secured through our agreement with the Roma Entrepreneurship Development Initiative
- Lower costs than a standard loan
- No down payment required for investment plans
- Our advisors will help you in preparing your file and developing your business

- The loan amount is sized to the level of your business. It can reach up to 120,000 lei, under certain conditions related 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:

  • Day-to-day business: farm inputs, salaries, paying off government arrears, other needs;
  • Investments: property purchases and improvements, equipment or machinery;
  • Mixed-use projects: working capital + investment.

What else you need to know: 

Grant currency: Lei
Amount: minimum 1,000 lei, maximum 120,000 lei
Period: maximum 60 months

The instalments can be paid:

  • Online, directly at www.patriacredit.ro 
  • In any Patria Bank branch
  • By Pay Point, SelfPay or Romanian Post



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