The state guarantees, via the National Fund Guaranteeing Loans for Small and Medium Enterprises (FNGCIMM), up to 50% of the financing value, except interest rates and fees. Thus, BCR has RON263 million state guarantees.
SMEs can access credit lines of at most RON5 million, over a maximum period of two years, to finance their working capital, and may extend the contract by one more year.