MOBIL IMM Guarantee: loans of up to 1 million lei for fuel, 80% guaranteed by FNGCIMM

The National Credit Guarantee Fund for SMEs (FNGCIMM) is preparing the MOBIL IMM Guarantee, a product funded from its own resources through which micro-enterprises and SMEs in all sectors can obtain working capital loans of up to 1,000,000 lei for transport and fuel costs, guaranteed up to 80%. The guarantee is granted for 36 months, with no guarantee fee in the first 6 months and no additional collateral for loans of up to 600,000 lei. As of 5 October 2026, the fund has not yet announced the banks through which the loans can be requested.

In brief

• Programme: MOBIL IMM Guarantee, a guarantee product funded from FNGCIMM's own resources
• Authority: National Credit Guarantee Fund for SMEs (FNGCIMM), through the banks that sign agreements with the fund
• Beneficiaries: eligible SMEs in all fields of activity that need funding for transport and fuel
• Value per project / intensity: loans of up to 1,000,000 lei, guaranteed up to 80%
• Costs: no guarantee fee in the first 6 months, then 2.65% for the rest of the guarantee period
• Duration: the guarantee period is 36 months
• Submission period: no deadline has been announced; the date from which applications can actually be submitted has not been communicated
• Status: announced on 5 August 2026; FNGCIMM has started the procedures for the agreements with banks, and the list of partner banks has not yet been published

What is the MOBIL IMM Guarantee and who is it for?

The MOBIL IMM Guarantee is not a grant. It is an FNGCIMM guarantee, from the fund's own resources, on a bank loan: the bank provides the loan, and FNGCIMM guarantees up to 80% of its value. This way, the bank takes on a lower risk and can more easily accept companies that do not have enough collateral of their own.

According to the FNGCIMM press release, the product is intended for eligible SMEs in all fields of activity that use the funding for transport and fuel costs. It is not a product only for transport companies. It can be useful to any company with high mobility costs: hauliers, farms, construction companies, distributors or service companies with field teams.

What costs can the loan cover?

The loan is a working capital loan and covers transport costs, including fuel purchased on the basis of invoices or through fleet cards. The press release does not say that the product finances investments, such as the purchase of vehicles. For investments, companies need to look for other guarantee or funding products.

Full details on eligibility (for example, company age, minimum financial position or exclusions by CAEN code) were not published in the press release. They will be set out in the product rules and in the agreements with banks.

How much does it cost and what collateral does it require?

• Guarantee fee: 0% in the first 6 months, then 2.65% for the rest of the guarantee period.
• Additional collateral: not required for loans of up to 600,000 lei. Above this threshold, the bank may ask for additional collateral.
• Guarantee period: 36 months.
• Approval time: FNGCIMM estimates approximately 24 hours from submission of the complete documentation.

In addition to the guarantee fee, you pay the bank's interest and fees. These have not been announced and differ from one bank to another.

How and where do you submit the application?

The loan application is submitted to the bank, not directly to FNGCIMM. The MOBIL IMM Guarantee will be available only through banks that sign guarantee agreements with the fund. At the time of checking, FNGCIMM had announced that it had started the procedures for these agreements and had invited interested banks to join the programme. On the official page of guarantee products, MOBIL IMM does not yet appear among the active products.

In practice, the first step is to ask your bank whether it has signed, or will sign, the MOBIL IMM agreement. For commercial information, FNGCIMM has given the address comercial@fngcimm.ro.

What this means for your business

Our recommendation: if your company has high monthly fuel costs and long payment terms from customers, MOBIL IMM can cover the liquidity gap without tying up your property or other assets, especially for loans of up to 600,000 lei.

• Prepare now: your latest financial statements, the recent trial balance, an estimate of monthly fuel consumption (invoices or fleet card statements) and proof that you have no debts to the state budget.
• Size the loan realistically: the instalment must be covered from cash flow over 36 months. The fact that the ceiling is 1 million lei does not mean you should apply for the ceiling.
• Watch the total cost: the absence of the fee in the first 6 months is an advantage, but compare the bank's interest and fees with other options, for example a credit line guaranteed through the EIB portfolio guarantees.
• Common pitfall: late payments or arrears on the Credit Risk Register (Centrala Riscului de Credit). Check your history before going to the bank.

For non-refundable grants suited to your company's profile, you can take the eligibility check.

Frequently asked questions

Is the MOBIL IMM Guarantee non-refundable money?

No. It is an FNGCIMM guarantee of up to 80% for a bank loan. The loan is repaid in full to the bank, with interest, and the company pays the 2.65% guarantee fee after the first 6 free months.

Can I apply if I am not a transport company?

Yes. According to FNGCIMM, the product is for eligible SMEs in all fields of activity, provided the funding covers transport and fuel costs, including fuel bought on invoices or with fleet cards.

Do I have to provide my own collateral?

For loans of up to 600,000 lei, additional collateral is eliminated. For amounts between 600,000 and 1,000,000 lei, the bank may ask for additional collateral, under its own rules.

Which bank can I get the loan from?

Only from the banks that sign the MOBIL IMM agreement with FNGCIMM. As of 5 October 2026, the fund has not published the list of partner banks. Ask your bank directly or write to comercial@fngcimm.ro.

Until when can you apply?

FNGCIMM has not announced a deadline, nor the date from which applications can actually be submitted. The product is funded from the fund's own resources and will operate through banks once the agreements are signed.

Official sources

• FNGCIMM – press release of 5 August 2026 on the MOBIL IMM Guarantee
• FNGCIMM – Guarantees for SMEs (list of active products)
• FNGCIMM – Press releases

Information checked on 5 October 2026. Conditions may be changed by the managing authority — check the guide in force before you submit.