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IMM INVEST PLUS and IMM PLUS refinancing — 80% FNGCIMM guarantee for working capital loans

Companies with working capital loans under IMM INVEST PLUS or IMM PLUS can refinance their balance as at 31 December 2025, up to 5,000,000 lei, for a maximum of 36 months. FNGCIMM guarantees up to 80%, no more than 4,000,000 lei, with a fee of 1.7%–2.65% per year.

Who can apply
Beneficiaries of working capital loans guaranteed by FNGCIMM through IMM INVEST PLUS can request refinancing…
Funding amount
You can refinance up to 5,000,000 lei, that is the balance at 31 December 2025, over a maximum of 36 months, with instalments…
Submission period
from 31 March 2026, no deadline announced

Checked against official sources on · funder: FNGCIMM · 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.

I want to apply in this call window 0755 167 167
Refinancing IMM INVEST PLUS loans: 80% FNGCIMM guarantee, up to 4 million lei

Who can apply

Borrowers with working capital loans guaranteed by FNGCIMM through IMM INVEST PLUS (OUG 99/2022) or IMM PLUS (OUG 18/2024) can request refinancing. This covers SMEs, commercial companies and cooperatives, PFAs (sole traders), individual and family businesses, agricultural companies and cooperatives, and eligible start-ups. The company must not be in financial difficulty, insolvency or enforced recovery. It must not have significant overdue loans or active garnishments. It must not be in dispute with the Ministry of Finance, the bank or FNGCIMM. It must have filed its latest annual balance sheet without errors and have positive equity.

What it covers

  • Refinancing of the balance at 31 December 2025 of working capital loans under IMM INVEST PLUS (OUG 99/2022)
  • Refinancing of the balance at 31 December 2025 of working capital loans under IMM PLUS (OUG 18/2024)
  • FNGCIMM guarantee of up to 80% of the refinancing, maximum 4,000,000 lei
  • Staggered repayment over a maximum of 36 months, with monthly instalments at least during the last 24 months
Full analysis Refinancing IMM INVEST PLUS loans: 80% FNGCIMM guarantee, up to 4 million lei Conditions, steps and pitfalls, with official sources →

Apply in the current call window

  1. We analyse whether you qualify and under which programme exactly.
  2. We build the application: business plan, budget, supporting documents.
  3. We submit during the call window and follow the evaluation.
  4. We stay with you through the reimbursement file and final payment.

Frequently asked questions

Which loans can be refinanced through the FNGCIMM product for IMM INVEST PLUS and IMM PLUS?

Only working capital loans guaranteed through IMM INVEST PLUS (OUG 99/2022) and IMM PLUS (OUG 18/2024) can be refinanced. The existing balance at 31 December 2025 is refinanced. Investment loans are not eligible.

How much can be refinanced and how much does FNGCIMM guarantee?

Refinancing is limited to 5,000,000 lei, that is the balance at 31 December 2025. FNGCIMM guarantees up to 80% of the loan, at most 4,000,000 lei.

What is the refinancing period?

The refinanced loan lasts a maximum of 36 months. Repayment is made in monthly instalments, at least during the last 24 months.

How much does the FNGCIMM guarantee cost?

The guarantee fee is annual, between 1.7% and 2.65% per year. The rate depends on the company's internal FNGCIMM rating. The bank's interest and fees are paid separately.

What collateral must be provided?

For loans under 500,000 lei, a personal guarantee and a mortgage over account balances are required. For larger loans, the collateral (deposits, machinery, stock, real estate mortgages) must cover at least 20% of the financing.

Through which banks can you apply for refinancing?

Through BCR, BRD-GSG, CEC Bank, Exim Banca Românească, ProCredit Bank, Techventures Bank, Libra Internet Bank, Vista Bank, Garanti BBVA, Patria Bank and Intesa Sanpaolo Bank. Intesa signed the agreement with FNGCIMM on 15 May 2026.

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 — Refinancing IMM INVEST PLUS and IMM PLUS — 80% FNGCIMM guarantee for working capital loans

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

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