How long does it take for the bank to analyze my credit file?
Approval of a credit file can take from a few days up to a maximum of 2 weeks, depending on the type of loan requested and the situation ...
What conditions must I meet to take a loan from BT Mic?
You can benefit from a loan at BT Mic if you have:➤⠀a company with at least 3 months of economic activity, regardless if it is an SRL, PFA, II (enterprise ...
How long does the process take until I can receive the money if I want a loan from BT Mic?
The process is simple: ❶⠀You submit the application and a minimum of documents; ❷⠀You meet with a BT Mic representative; ❸⠀Later, you also receive the decision of ...
When is it appropriate to refinance a loan?
Refinancing is the process of applying for a new loan through which you repay in advance the existing loan or loans and, eventually, you are left with some ...
What is „factoring”?
Factoring represents a complex package of services, which is based on the process of acquiring receivables resulting from the delivery of goods or the provision ...
Can I refinance multiple loans with a single loan?
Yes. Refinancing a personal loan is possible even when you already have several active loans at different banks. Through ...
Who is BT Mic?
BT Microfinantare IFN S.A., or briefly, BT Mic, started its activity in 2016 and is the microfinance company of the Banca Financial Group ...
Can I lease a car for my Start-Up?
Of course! You can do this through BT Leasing, as we offer financing including to start-ups 😊. But to start off well informed it is good to ...
What is more advantageous: a line of credit or a working capital loan? What is the difference between the two types of loans?
Both types of credit provide the necessary funds:➤⠀current expenses; ➤⠀refinancing other credits;➤⠀payment of debts to the budget and to ...
What is the difference between variable interest and fixed interest?
➤⠀the fixed interest rate is set at the signing of the credit contracts and cannot be changed throughout the financing period. 📁➤⠀on the other hand, the variable interest rate ...
What are the costs of a loan from BT Mic?
Cost offer for a BT Mic loan is customized and can only be made following the credit request and business analysis.If you want ...
What is the difference between factoring with recourse and without recourse?
In the case of factoring with recourse, the services provided to the Adherent by the Factor are:➤ advance payment before maturity of a percentage of the invoice value ...