Call window open PoCIDIF 1.5.2 — SME loans 80% guaranteed by FNGCIMM, with subsidised interest and capital rebate
PoCIDIF 1.5.2 de minimis scheme: FNGCIMM guarantees up to 80% of company loans, of up to 500,000 € for investment and 500,000 € for working capital, with subsidised interest and a 10–20% capital rebate. Applications are submitted to banks by 31 December 2029.
- Who can apply
- Micro-enterprises, SMEs and small mid-caps, meaning companies that are not SMEs…
- Total budget
- 547,661,849.94 lei, of which 375,478,251.94 lei for guarantees and 172,183,598.00 lei for grants
- Funding amount
- Guaranteed loans of up to €500,000 for investments and €500,000 for working capital, in total at least…
- Submission period
- 7 Oct 2026 – 31 Dec 2029
Checked against official sources on · funder: Ministry of Investments and European Projects · 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
Micro-enterprises, SMEs and small mid-caps, meaning companies that are not SMEs, have up to 499 employees and an annual turnover of no more than €100 million and/or a total balance sheet of no more than €86 million. The company must have been established for at least one year and have at least one full financial year of activity, with its registered office and activity in Romania, and must not be in difficulty or insolvent. The investment must meet the innovation criterion in the Oslo Manual, and the company must fall within the de minimis ceiling of €300,000over three years. The scheme estimates no more than 604 beneficiaries.
What it covers
- Equipment and machinery
- Intellectual property rights
- Real estate
- Modernisation works
- Working capital linked to the investments financed under the programme, justified in the business plan
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
Can I obtain a €1 million loan for a single investment under the PoCIDIF scheme with an FNGCIMM guarantee?
No. The scheme allows a maximum of €500,000 for investment loans and a maximum of €500,000 for working capital loans. The cumulative ceiling on guaranteed financing for one company is €1,000,000.
Is the grant under the PoCIDIF 1.5.2 scheme paid into your account?
No, the grant is not a separate sum for expenses. It is provided as an interest subsidy, for the first 12 months on working capital or the first 24 months on investments, and as a 10% or 20% reduction of the capital instalments, linked to the loan guaranteed by FNGCIMM.
Where do I submit the application for the PoCIDIF guaranteed loan?
The application is not submitted to the ministry or to FNGCIMM, but to one of the partner banks or non-bank financial institutions selected by FNGCIMM for PoCIDIF. The bank checks eligibility, signs the loan agreement, disburses the funds and monitors the loan. The list of partners is published on the FNGCIMM website.
What conditions must be met for the 10% or 20% capital rebate?
The rebate can be granted after at least 12 months from the signing of the loan. The loan must have been repaid in accordance with the contract, and the financial statements must show a turnover increase of at least 2%. The 20% rebate applies to investment loans that contribute to the company's innovation or digitalisation.
Can companies from Bucharest-Ilfov and companies that are no longer SMEs apply?
Yes, the scheme covers all regions, but companies in Bucharest-Ilfov can receive no more than 22% of the total portfolio. Small mid-caps can also apply: companies that are not SMEs, have up to 499 employees and an annual turnover of no more than €100 million and/or a balance sheet of no more than €86 million.
Can agricultural companies apply for PoCIDIF guaranteed loans?
Primary agricultural production is excluded, as are fishing and aquaculture. The processing of agricultural and fishery products is excluded where the aid is determined by the price or quantity of the products. Other activities of the same company should be checked with the bank against the conditions of the scheme.
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 — PoCIDIF 1.5.2 — SME loans 80% guaranteed by FNGCIMM, with subsidised interest and capital rebate
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
PoCIDIF 2.1 — new digital services and products
PoCIDIF competitive call for ICT SMEs and start-ups developing new services, applications or products through innovation. Budget: 48,813,278 euro. Submit in MySMIS2021 by 30 October 2026, 17:00 (deadline extended by MIPE Order 1500/2026).
Call window closedPoCIDIF — Support for innovative technology projects (Measure 1.1.2)
PoCIDIF grants worth €53.17 million for innovative technology projects in public-private collaboration (SMEs and research organisations). There are two calls, PCIDIF/946 (MDR) and PCIDIF/947 (LDR). Applications are submitted in MySMIS2021 by 16 October 2026, 17:00.
Opening soonPR Bucharest-Ilfov 2021-2027 — Call PR BI P1/1.1/1/2026: Support for developing an innovative conceptual model (Proof of Concept)
De minimis grants of 50,000–200,000 euro, up to 100% of the eligible value, for SMEs in Bucharest-Ilfov that validate an innovative product, process or service concept (from TRL 3 to TRL 4–5). The guide was under consultation until 4 July 2026.