Financing your business's general needs

Your business plan can be achieved faster with UniCredit Bank's support.

Working capital line for small and medium enterprises

We know it’s hard to start a new business, but you can easily get the support you need to make it grow!

That’s why we offer you working capital line for small and medium enterprises.

Choose the 12-month credit line, which you can renew at maturity, and for which all utilizations and repayments can be easily realized via BusinessNet.


Benefits of the working capital line:

  • Accessibility: you can access the funds necessary for short-term business-generated needs, to cover the gap between earnings and payments, to pay for suppliers, utilities, or other current expenses.
  • Flexibility: available in lei, euros or American dollars, and multicurrency according to the activity and needs of your business.
  • Better evidence of liquidity: Amounts can be used in any current account, and reimbursements can be made from any current account, allowing evidence of amounts used or collected in separate accounts
  • Availability: utilization and reimbursement requests and related documentation, if any, can be transmitted to the Bank with ease via BusinessNet.

For current payments, the Business Credit Card or the General Needs Term Loan may be useful.

Working capital line - overdraft type for small and medium enterprises

We know it’s hard to start a new business, but you can easily get the support you need to make it grow!

That’s why we offer you the working capital line - overdraft type for small and medium enterprises.

Choose the 12-month credit line, which you can renew at maturity.

Benefits of the working capital line - overdraft type:

  • Accessibility: you can access the funds necessary to cover the gap between payments and incoming payments, unexpected expenses, letters of guarantee, credit issuance or other expenses related to current activity.
  • Flexibility: available in lei, euros or American dollars, according to the activity and needs of your business. In the case of multi-currency credit lines, you can make payments in any of the three approved currencies.
  • Time saver: no justification documents required for general expenditures, so you don’t have to come in our branches for every payment you need to make.

For current payments, the Business Credit Card or the General Needs Term Loan may be useful.

The loan is addressed mainly to companies that want to correlate their incoming payments related to commercial contracts with the reimbursement schedule of a bank’s loan or to those that want a clear product’s reimbursement scheme for a better control of their liquidities.

The loan is offered for a period of maximum 5 years and can be used for general expenses, raw materials, materials, inventories acquisition, commercial contracts financing.

This product also responds to the needs of companies that run seasonal activities.

You have the following benefits:

  • The loan can be granted in: lei, euro or American dollars;
  • You can opt for monthly reimbursement or, in case of seasonal activities, quarterly reimbursement;
  • You can use the guarantees issued by the National / International Guarantee Funds.

COSME Guarantee

The general needs loan can be granted with a 50% guarantee provided by the European Investment Fund.

This financing is possible through the guarantee provided by COSME and the European Fund for Strategic Investment (EFSI) set up under the Investment Plan for Europe. The purpose of EFSI is to support the financing and implementation of productive investments in the European Union and to provide increased access to financing.

The COSME program provides to SMEs a financial instrument to reduce difficulties they possibly fac when accessing a financing.

Details regarding COSME Guarantee:

  • No guarantee fee will be charged when granting the guarantee;
  • Guarantees the loans in lei with amounts between 277,000 lei and 1,500,000 lei and granted for a period of minimum 24 and maximum 36 months;
  • No further other are required except for surety and pledge on the accounts opened with UniCredit Bank.

The main eligibility conditions* for SMEs** that want to access this guarantee:

  • They are SMEs with turnover of minimum 200,000 euro;
  • They are eligible for the loan described above;
  • They are established and operate in Romania.

They are not the subject of collective insolvency proceedings and they do not meet the criteria, stipulated by the domestic law, for being placed in collective insolvency proceedings at their creditors’ request.

How you can access loans with COSME guarantee:

If you are interested in this type of financing, general needs loan for current expenses with COSME guarantee, please visit any UniCredit Bank branch where the Bank’s representatives will assess the financing need and match it up with the appropriate type of loan. If, based on Bank’s internal assessment process, the loan is approved, the loan agreement signing follows and, based on it, the related amounts can be accessed.


** In any UniCredit Bank branch, the Bank’s representative is at your disposal with all the necessary details to access the COSME guarantee

**SMEs defined in accordance with Regulation (EC) 2003/361 / EC (OJ L124, 20.05.2003, p.36): companies with a maximum of 249 employees, annual turnover of less than 50,000,000 euro and maximum total assets of 43,000,000 euro


Factoring services can be useful to companies that deliver goods or carry out services with fixed term payments or to companies that are, by nature, fixed term payment buyers/debtors. The services you can access are:

  • Domestic Factoring;
  • Export Factoring;
  • Import Factoring;
  • Reverse Factoring.

Find more details here.

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