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 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 do I create a business plan for contracting the Start-UP loan?
We help you by offering consultancy in creating the business plan. 😊
What is the maximum duration of a BT Micro loan worth 15,000 RON for fixed assets (PC, desk, chair, etc.)?
The duration of the BT Mic loan is a maximum of 60 months, this being correlated with the type and impact of the investment in your business. The same type of correlation exists ...
Where can I find the declaration forms for enrollment in the program?
The necessary statements for enrollment in the program are available directly on the IMM Invest platform. You can download them, complete them, and then upload them again in ...
Does the fact that I am an individual BT client give me any advantage in obtaining a loan for the LLC I manage?
Thank you for being our customer. 😊Regarding the credit decision, it is good to know that it is based on the current situation and plans ...
What types of bank guarantee letters does BT offer?
Banca Transilvania issues several types of guarantee letters: for participation in tenders, for proper execution, for payment and refund ...
When is factoring useful?
Factoring is useful when:You have clients who request long payment terms.You have access to immediate liquidity through rapid invoice collection.Digitized process ...
For what situations are bank guarantee letters useful?
These are mainly used in commercial contracts and public procurement to guarantee the payment of obligations, participation in tenders ...
What advantages do BT bank guarantee letters offer?
They provide partners with financial security, allow participation in projects without blocking liquidity, offer flexibility in contract execution ...
What is the validity period of a bank guarantee letter?
There is no standard maximum term. The validity of the letter is determined according to the provisions of the contract between the applicant and the beneficiary.