What is “Patient Credit”?
Patient Credit is that type of credit that provides you with up to 50,000 EUR (or the equivalent in RON). 😮To benefit from care ...
What are the necessary conditions to be able to classify my company for financing without real estate collateral?
The condition for a business to be analyzed is that it has a minimum of 3 months of activity, more precisely 3 months from the first recorded revenues. In ...
What is early repayment?
Early repayment represents the payment of an amount from the loan balance, in advance, at any time, before the final due date. Early repayment of a ...
Does anyone know which direction ROBOR will go?
It is good to know that BT and banks, in general, work with the best economists and analysts, but no one can accurately predict what level it will have ...
What are the necessary documents for accessing a quick credit line with guarantees for my business?
Only a few documents are needed. These are: ➤⠀copy of the last two accounting balance sheets (semi-annual, annual);➤⠀the legal-constitutive approval ...
Could I access a loan to cover the initial expenses of the business if I have not yet recorded any accounting activity? And do I need to show the business plan?
A credit for the initial investment, necessary for the opening of the business and for the mentioned current expenses, can be accessed only in the situation in ...
What is the procedure to repay a loan early?
The procedure to follow to repay a loan early is as follows: initially you must make sure that the amount required to pay off the loan is ...
What is the minimum amount granted for a BT Mic loan?
The minimum amount granted through a BT Mic loan is 4,000 lei. 😊
What amount can I borrow without real estate collateral from BT Mic? And with collateral?
If your company is eligible for a BT Mic loan, the maximum amount a company can borrow, without material guarantees, is ...
How is a loan rate calculated?
The rate is calculated based on the type of credit (personal needs, mortgage, etc.), the amount you want to borrow, the period of time you choose to ...
How many quotations do the reference indices to which the interests refer have?
The most commonly used indicators by banks for setting the level of variable interest rates for lei and euro respectively are: IRCC, ROBOR 6M (6 months) and EURIBOR ...
What is the maximum amount that can be granted for a quick unsecured business line of credit?
If you are thinking about a quick and unsecured line of credit the maximum amount we can grant you is 400,000 RON. 😊
