The lending solution comes with an EaSI guarantee from the European Investment Fund (EIF).
The financing solution based on the EaSI guarantee targets micro-enterprises willing to contract loans but fail to fulfil the standard lending conditions.
A loan with the EaSI guarantee can be contracted with no downpayment, no collateral security and with interest rates lower than the standard ones. It can be contracted by Romanian micro-enterprises, even startup firms, with fewer than ten employees.
The EIF guarantee covers 80% of the loan value and the remaining 20% is covered by UniCredit Bank without requiring collateral security.