{"id":13795,"date":"2025-11-05T09:20:47","date_gmt":"2025-11-05T07:20:47","guid":{"rendered":"https:\/\/covasna45.ro\/?p=13795"},"modified":"2025-11-05T09:20:48","modified_gmt":"2025-11-05T07:20:48","slug":"fngcimm-lanseaza-ghidul-complet-al-accesarii-garantiilor-financiare","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-lanseaza-ghidul-complet-al-accesarii-garantiilor-financiare\/","title":{"rendered":"FNGCIMM lanseaz\u0103 ghidul complet al acces\u0103rii garan\u021biilor financiare"},"content":{"rendered":"\n<p>De peste 23 de ani, Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii este partenerul de \u00eencredere care ofer\u0103 libertate de cre\u0219tere antreprenorilor \u0219i siguran\u021b\u0103 b\u0103ncilor, facilit\u00e2nd investi\u021biile, extinderea activit\u0103\u021bii \u0219i men\u021binerea lichidit\u0103\u021bilor \u00een momente-cheie.<\/p>\n\n\n\n<p>Contextul economic actual, marcat de incertitudini, cre\u0219teri de costuri \u0219i schimb\u0103ri rapide \u00een mediul de afaceri, impune companiilor un grad sporit de adaptabilitate \u0219i rezilien\u021b\u0103. Tot mai multe IMM-uri sunt nevoite s\u0103-\u0219i reg\u00e2ndeasc\u0103 strategiile, s\u0103 investeasc\u0103 \u00een digitalizare, sustenabilitate \u0219i eficientizare, pentru a r\u0103m\u00e2ne competitive \u00eentr-o pia\u021b\u0103 \u00een continu\u0103 transformare.<\/p>\n\n\n\n<p>Pentru mul\u021bi antreprenori rom\u00e2ni, lipsa garan\u021biilor necesare pentru ob\u021binerea unui credit poate fi principalul obstacol \u00een calea dezvolt\u0103rii afacerii. O garan\u021bie financiar\u0103 emis\u0103 de FNGCIMM transform\u0103 aceast\u0103 barier\u0103 \u00eentr-o oportunitate. Prin intermediul garan\u021biilor oferite, companiile pot accesa mai u\u0219or finan\u021barea de care au nevoie \u2014 f\u0103r\u0103 ipoteci, f\u0103r\u0103 evalu\u0103ri imobiliare costisitoare \u0219i cu o aprobare rapid\u0103, de doar c\u00e2teva zile.<\/p>\n\n\n\n<p>La baz\u0103, o garan\u021bie FNGCIMM func\u021bioneaz\u0103 pe un principiu simplu: o institu\u021bie de \u00eencredere \u2013 FNGCIMM &#8211; se angajeaz\u0103 \u00een fa\u021ba b\u0103ncii s\u0103 ramburseze creditul \u00een procentul de garantare agreat, \u00een cazul \u00een compania nu mai poate sus\u021bine rambursarea creditului. Astfel, pot fi accesate finan\u021bari necesare dezvolt\u0103rii afacerii chiar \u0219i atunci c\u00e2nd firmele nu dispui de suficiente garan\u021bii proprii.<\/p>\n\n\n\n<p><strong>Procesul de accesare a unei garan\u021bii este simplu, \u00een 3 pa\u0219i:<\/strong><\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li>Beneficiarul se adreseaz\u00e3 unei banci \u0219i solicit\u0103 un credit.<\/li>\n\n\n\n<li>Banca analizeaz\u00e3 proiectul propus de IMM \u0219i, dac\u0103 este viabil din punct de vedere economic, solicit\u0103 garantarea creditului de c\u0103tre FNGCIMM.<\/li>\n\n\n\n<li>FNGCIMM analizeaz\u00e3 dosarul \u0219i emite garan\u021bia care acoper\u00e3 p\u00e2n\u00e3 la maxim 50% sau 80% din credit, \u00een func\u021bie de tipul creditului.<\/li>\n<\/ol>\n\n\n\n<p><strong>Cum diferit\u0103 garan\u021bia FNGCIMM fa\u021b\u0103 de cele clasice?<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nu sunt necesare ipoteci sau evalu\u0103ri imobiliare suplimentare;<\/li>\n\n\n\n<li>Aprobarea garan\u021biei dureaz\u00e3 \u00eentre 2 p\u00e2n\u0103 10 zile, \u00een func\u021bie de produs;<\/li>\n\n\n\n<li>Garan\u021bia r\u00e3m\u00e2ne valabil\u00e3 pe toat\u00e3 durata creditului;<\/li>\n\n\n\n<li>Procentul mare de acoperire a creditului.<\/li>\n<\/ul>\n\n\n\n<p><strong>Beneficiarii eligibili pentru garan\u021biile FNGCIMM sunt \u00eentreprinderile mici \u0219i mijlocii (IMM) definite conform <a href=\"https:\/\/legislatie.just.ro\/Public\/DetaliiDocument\/53946\">Legii 346\/2004<\/a><\/strong>.<\/p>\n\n\n\n<p><strong>Forma de organizare a companiei poate fi:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Societate comercial\u00e3 (SRL, SA)<\/li>\n\n\n\n<li>Societate cooperativ\u00e3<\/li>\n\n\n\n<li>Persoan\u00e3 fizic\u00e3 autorizat\u00e3 (PFA)<\/li>\n\n\n\n<li>\u00centreprindere individual\u00e3 \u0219i familial\u00e3<\/li>\n\n\n\n<li>Societate agricol\u00e3 \u0219i cooperativ\u00e3 agricol\u00e3.<\/li>\n<\/ul>\n\n\n\n<p><strong>Companiile sunt eligibile pentru o garan\u021bie FNGCIMM, dac\u0103 \u00eendepline\u0219te urm\u0103toarele criterii<a>*<\/a><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Demonstreaz\u00e3 capacitate de rambursare prin documentele financiare depuse la banc\u0103;<\/li>\n\n\n\n<li>Nu se afl\u0103 \u00een dificultate financiar\u0103, insolven\u021b\u0103 sau executare silit\u0103;<\/li>\n\n\n\n<li>Nu \u00eenregistrez\u0103 datorii restante la bugetul statului, conform Certificatului de atestare fiscal\u0103. Dac\u0103 exist\u0103 datorii restante, acestea trebuiesc\u00a0 achitate p\u00e2n\u0103 la data acord\u0103rii creditului sau din creditul garantat de Fond, cu condi\u021bia ca datoriile cuprinse \u00een CAF s\u0103 nu dep\u0103\u0219easc\u0103 valoarea creditului garantat;<\/li>\n\n\n\n<li>Nu figurez\u0103 cu credite restante \u00een Centrala Riscurilor de Credit (CRC);<\/li>\n\n\n\n<li>Desf\u00e3\u0219oar\u0103 activit\u0103\u021bi legale \u00een orice domeniu permis de lege, cu excep\u021bia:<br>&#8211; fabric\u0103rii sau comercializ\u0103rii de arme \u0219i muni\u021bie<br>&#8211; jocurilor de noroc \u0219i pariurilor<br>&#8211; fabric\u0103rii produselor din tutun<br>&#8211; caselor de schimb valutar<\/li>\n<\/ul>\n\n\n\n<p><strong>Tipuri de garan\u021bii disponibile<\/strong><\/p>\n\n\n\n<p>FNGCIMM pune la dispozi\u021bie mai multe tipuri de garan\u021bii adaptate la diferite nevoi de business, de la finan\u021b\u0103ri rapide pentru capital de lucru, p\u00e2n\u0103 la proiecte de investi\u021bii.<\/p>\n\n\n\n<p><strong>Garan\u021bia PLAFON <\/strong>&#8211; este solu\u021bia standard pentru majoritatea afacerilor<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea maxim\u0103 a garan\u021biei: 1,6 \/ 2,0 \/ 2,4 milioane lei (\u00een func\u021bie de banc\u0103)<\/li>\n\n\n\n<li>Procentul maxim de garantare: 80% din valoarea creditului (investi\u021bii + capital de lucru)<\/li>\n\n\n\n<li>Termen de aprobare: \u00a05 zile lucr\u0103toare<\/li>\n\n\n\n<li>Mod de accesare: online &#8211; banca transmite la FNGCIMM documentele electronic.<\/li>\n<\/ul>\n\n\n\n<p><strong>Garan\u021bia EXPRES\u0102<\/strong> \u2013 potrivit\u0103 pentru proiecte de anvergur\u0103 \u0219i situa\u021bii complexe<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea maxim\u0103 a garan\u021biei: \u00a02,5 milioane euro<\/li>\n\n\n\n<li>Procentul maxim de garantare: 80% pentru investi\u021bii \/ 50% capital de lucru<\/li>\n\n\n\n<li>Termen de aprobare: \u00a010 zile lucr\u0103toare<\/li>\n\n\n\n<li>Mod de accesare: banca transmite documentele la FNGCIMM \u00een format letric.<\/li>\n<\/ul>\n\n\n\n<p><strong>Garan\u021bia OPTIMM<\/strong> \u2013 potrivit\u0103 pentru crize de cash-flow, oportunit\u0103\u021bi, pl\u0103\u021bi urgente<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea maxim\u0103 a garan\u021biei: de la 200.000 p\u00e2n\u0103 la 400.000 lei, \u00een func\u021bie de banc\u0103<\/li>\n\n\n\n<li>Procentul maxim de garantare: p\u00e2n\u0103 la 80%<\/li>\n\n\n\n<li>Termen de aprobare: \u00a02 zile lucr\u0103toare<\/li>\n\n\n\n<li>Mod de accesare: online &#8211; banca transmite la FNGCIMM documentele electronic<\/li>\n<\/ul>\n\n\n\n<p>Comisionul de garantare este singurul cost suportat de firm\u0103 pentru garan\u021bia FNGCIMM \u0219i depinde &nbsp;de tipul garan\u021biei \u0219i de \u00eencadrarea companiei \u00eentr-o clas\u0103 de risc.<\/p>\n\n\n\n<p>Comisionul se pl\u0103te\u0219te anual, pe toat\u0103 durata garan\u021biei, \u0219i se calculeaz\u0103 ca procent aplicat:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>la valoarea garan\u021biei, pentru credite pe termen scurt (aferente finan\u00fe\u00e3rilor pe termen p\u00e2n\u00e3 la 12 luni inclusiv)<\/li>\n\n\n\n<li>la soldul anual al garan\u021biei, pentru creditele de investitii acordate pe termen mediu \u0219i lung (pentru urm\u00e3torii ani \u00eentregi de garantare)<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Pricipalele avantaje :<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nu sunt necesare evalu\u00e3ri imobiliare suplimentare<\/li>\n\n\n\n<li>Se elimin\u00e3 costurile legate de ipoteci \u0219i gajuri<\/li>\n\n\n\n<li>Procesul rapid \u00eenseamn\u00e3 economie de timp \u0219i de resurse<\/li>\n<\/ul>\n\n\n\n<p>\u00centr-o perioad\u0103 \u00een care accesul la finan\u021bare devine esen\u021bial pentru supravie\u021buire \u0219i dezvoltare, dar totodat\u0103 mai dificil din cauza condi\u021biilor economice, FNGCIMM vine \u00een \u00eent\u00e2mpinarea nevoilor mediului de afaceri cu solu\u021bii financiare moderne \u0219i flexibile, bazate pe garan\u021bii de stat. Prin produsele sale, Fondul sprijin\u0103 companiile aflate \u00een tranzi\u021bie \u2013 fie c\u0103 este vorba despre adaptarea la noile realit\u0103\u021bi economice, diversificarea activit\u0103\u021bilor, investi\u021bii \u00een tehnologii verzi sau consolidarea lan\u021burilor de aprovizionare.<\/p>\n\n\n\n<p><a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-ofera-scrisori-de-garantie-pentru-beneficiarii-afir\/\">FNGCIMM<\/a> r\u0103m\u00e2ne un pilon esen\u021bial al parteneriatului dintre stat, sistemul bancar \u0219i antreprenoriatul rom\u00e2nesc, oferind stabilitate, predictibilitate \u0219i \u00eencredere\u00eentr-un moment \u00een care economia are nevoie mai mult ca oric\u00e2nd de instrumente sigure de finan\u021bare.<\/p>\n\n\n\n<p>Criteriile de eligibilitate pentru acordarea garan\u021biilor, pot fi reg\u0103site pe site-ul oficial <a href=\"https:\/\/www.fngcimm.ro\/\">www.fngcimm.ro<\/a>.<\/p>\n\n\n\n<div data-wp-interactive=\"core\/file\" class=\"wp-block-file\"><object data-wp-bind--hidden=\"!state.hasPdfPreview\" hidden class=\"wp-block-file__embed\" data=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2025\/11\/Ghid_20251021.pdf\" type=\"application\/pdf\" style=\"width:100%;height:600px\" aria-label=\"\u00cenglobare pentru Ghid_20251021.\"><\/object><a id=\"wp-block-file--media-c12a0902-ccd2-4808-99d2-06606c072219\" href=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2025\/11\/Ghid_20251021.pdf\">Ghid_20251021<\/a><a href=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2025\/11\/Ghid_20251021.pdf\" class=\"wp-block-file__button wp-element-button\" download aria-describedby=\"wp-block-file--media-c12a0902-ccd2-4808-99d2-06606c072219\">Descarc\u0103<\/a><\/div>\n","protected":false},"excerpt":{"rendered":"<p>De peste 23 de ani, Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii este partenerul de \u00eencredere care ofer\u0103 libertate de cre\u0219tere antreprenorilor \u0219i siguran\u021b\u0103 b\u0103ncilor, facilit\u00e2nd investi\u021biile, extinderea activit\u0103\u021bii \u0219i men\u021binerea lichidit\u0103\u021bilor \u00een momente-cheie. Contextul economic actual, marcat de incertitudini, cre\u0219teri de costuri \u0219i schimb\u0103ri rapide \u00een mediul de afaceri, impune [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":13797,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[299,3519,3955],"class_list":{"0":"post-13795","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-credite","9":"tag-fngcimm","10":"tag-garantii-2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM lanseaz\u0103 ghidul complet al acces\u0103rii garan\u021biilor financiare - Covasna45<\/title>\n<meta name=\"description\" content=\"FNGCIMM vine \u00een \u00eent\u00e2mpinarea nevoilor mediului de afaceri cu solu\u021bii financiare moderne \u0219i flexibile, bazate pe garan\u021bii de stat.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-lanseaza-ghidul-complet-al-accesarii-garantiilor-financiare\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FNGCIMM lanseaz\u0103 ghidul complet al acces\u0103rii garan\u021biilor financiare - 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