Call window open BID portfolio guarantees for SMEs — 70–80% guarantee for new loans of up to 10 million lei
BID guarantees 70% of SMEs' new bank loans for investment or working capital, up to 10 million lei per transaction. Start-ups, women-owned or women-led businesses, and innovation and sustainability projects receive 80%. You apply through the partner banks.
- Who can apply
- SMEs under EU Recommendation 2003/361 (fewer than 250 employees, with the turnover or…
- Funding amount
- Credit of up to 10,000,000 lei per transaction at banks and up to 500,000 lei at non-bank institutions of…
- Submission period
- no submission deadline; available ceiling for up to 3 years
Checked against official sources on · funder: Banca de Investiții și Dezvoltare (Investment and Development Bank) · official source
The call window is open. The time left until the deadline decides whether we can still build your application in time, so call today.
Who can apply
SMEs under EU Recommendation 2003/361 (fewer than 250 employees, within the turnover or asset ceilings), including liberal professions and start-ups. The company must be active on the Romanian market, must not be insolvent, must comply with Romanian law, must fall within the de minimis ceiling of €300,000 over three years and must pass the bank's KYC checks. SMEs in agriculture, fisheries and aquaculture (primary production, sales and processing) and financing for export-related activities are excluded.
What it covers
- New loans, in lei (no refinancing)
- Equipment and machinery
- Construction
- Vehicles
- Software, licences and patents
- Inventory and payment of suppliers
- Salaries and current expenses
Apply in the current call window
- We analyse whether you qualify and under which programme exactly.
- We build the application: business plan, budget, supporting documents.
- We submit during the call window and follow the evaluation.
- We stay with you through the reimbursement file and final payment.
Frequently asked questions
How large can a loan with a BID portfolio guarantee be?
The loan can reach 10,000,000 lei per transaction at banks and 500,000 lei at non-bank microfinance institutions. The term is between 12 and 120 months. For loans between 5 and 10 million lei, the maximum term is 60 months.
What percentage of the loan does BID guarantee?
The BID guarantee covers up to 70% of the loan. For start-ups, SMEs owned or managed by women, and innovation and sustainability projects, the guarantee rises to 80%. The higher level must be requested explicitly from the bank, together with the documents that prove eligibility.
Can I refinance an existing loan with a BID guarantee?
No. The BID portfolio guarantee is granted only for new loans, in lei. Refinancing is not eligible.
Can agricultural businesses get a loan with a BID guarantee?
No, if they operate in agriculture, fisheries or aquaculture. BID excludes these sectors for primary production, sales and processing. Financing for export-related activities is also excluded.
Where do I submit the application for a loan with a BID guarantee?
The loan application is submitted to one of the banks or non-bank financial institutions that have signed guarantee agreements with BID; the company does not apply directly to BID. The list of signatories is published on the BID page for the product "Portfolio guarantees for SMEs". The bank reviews the file, makes the decision and checks compliance with the de minimis rules and the DNSH principle.
Can I use a BID-guaranteed loan to co-finance an EU-funded project?
BID's conditions allow new loans for investments in tangible and intangible assets and for working capital, without excluding projects with EU co-financing. However, the de minimis aid in the guarantee is cumulated with other state aid for the same costs. The cumulation rules must be checked with the bank and with the guide of the EU programme.
How long does it take to prepare the application?
It depends on the complexity of the project and the documents you already have. The first step is the eligibility analysis, which tells you what needs to be prepared.
What happens if I do not qualify?
We tell you before any contract is signed, and if another suitable programme exists, we point you to it.
Next step
Apply in the current call window — BID portfolio guarantees for SMEs — 70–80% guarantee for new loans of up to 10 million lei
Fill in the form and we will tell you whether you qualify. If you do not qualify under this programme, we will tell you which other one you could apply for — or that there is none, if that is the case.
or call us directly on 0755 167 167
Other programmes
State aid scheme for products with a trade deficit in the manufacturing industry (HG no. 486/2026)
State aid from the Ministry of Finance, in the form of a grant or tax credit, for SMEs and large enterprises with initial investments of at least 50 million lei in the manufacturing industry. The first call window has 759 million lei.
Opening soonPRO INFRA — raw materials, materials and products for transport infrastructure
State aid from the Modernisation Fund (budget of 100 million euro, up to 15 million euro per beneficiary) for companies that produce raw materials, materials and products for transport infrastructure projects. The scheme is approved, but the call has not been launched.
Call window openJust Transition Participation Fund (FPTJ) – a STEP financial instrument managed by the EIB
A loan in RON from EIB partner banks, with 0% interest on 70% of the amount and a grant of up to 50% (principal reduction) once the investment is completed. For new investments in strategic STEP technologies in Dolj, Gorj, Prahova, Mureș, Hunedoara and Galați.