{"id":15215,"date":"2026-02-25T10:30:38","date_gmt":"2026-02-25T08:30:38","guid":{"rendered":"https:\/\/covasna45.ro\/?p=15215"},"modified":"2026-02-25T10:30:38","modified_gmt":"2026-02-25T08:30:38","slug":"fngcimm-lanseaza-refinantarea-imm-invest-si-imm-invest-plus","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-lanseaza-refinantarea-imm-invest-si-imm-invest-plus\/","title":{"rendered":"FNGCIMM lanseaz\u0103 refinan\u021barea IMM INVEST \u0219i IMM INVEST PLUS"},"content":{"rendered":"\n<p>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM) a primit acordul Ministerului Finan\u021belor, \u00een calitate de ac\u021bionar unic al FNGCIMM, de a oferi beneficiarilor Programelor Guvernamentale IMM INVEST \u0219i IMM INVEST PLUS posibilitatea de prelungire \u0219i refinan\u021bare a soldului creditelor acordate prin respectivele programe guvernamentale. Decizia vine \u00een contextul necesit\u0103\u021bii adopt\u0103rii unor m\u0103suri guvernamentale de sprijin a sectorului \u00eentreprinderilor mici \u0219i mijlocii, precum &nbsp;\u0219i pentru a dezvolta noi mecanisme de garantare mai flexibile, adaptate mediului economic actual, \u00een continu\u0103 schimbare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Durata maxim\u0103: 36 de luni<\/h2>\n\n\n\n<p>Noua facilitate presupune refinan\u021barea soldului la data de 31.12.2025 a creditelor acordate \u00een baza OUG nr. 99\/2022 \u0219i OUG nr. 18\/2024 pentru programele IMM INVEST PLUS \u0219i IMM PLUS, \u0219i are urm\u0103toarele caracteristici:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea maxim\u0103 a garan\u021biei: <strong>4 milioane lei;<\/strong><\/li>\n\n\n\n<li>Procentul maxim de garantare: <strong>80% din valoarea refinan\u021b\u0103rii;<\/strong><\/li>\n\n\n\n<li>Criteriile de eligibilitate sunt specifice programelor guvernamentale, corelate cu cele aplicabile garan\u021biilor acordate din surse proprii FNGCIMM;<\/li>\n\n\n\n<li>Durata maxim\u0103 a finan\u021b\u0103rii garantate: <strong>36 luni<\/strong>, cu rambursare pe baz\u0103 de grafic \u00een ultimele 24 de luni<\/li>\n\n\n\n<li>Comisioane de garantare stabilite conform grilei aprobate de FNGCIMM, \u00een baza unei analize de scoring (de la 1,7%\/an pentru clasa I p\u00e2n\u0103 la 2,65%\/an pentru clasa VI).<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Gam\u0103 extins\u0103 de nevoi<\/h2>\n\n\n\n<p>Programele IMM INVEST \u0219i IMM INVEST PLUS au reprezentat, \u00een perioada 2020\u20132024, piloni esen\u021biali \u00een sus\u021binerea creditarii mediului de afaceri, acoperind o gam\u0103 extins\u0103 de nevoi: finan\u021barea capitalului de lucru \u00een timpul pandemiei \u0219i a crizei generate de razboiul din Ucraina, investi\u021bii pentru relansarea economic\u0103 \u0219i sprijin pentru sectoare strategice precum agricultura, energia, transporturile \u0219i construc\u021biile.<\/p>\n\n\n\n<p>\u00cen perioada 2020\u20132025, FNGCIMM a acordat din surse proprii, guvernamentale si din surse \u00een administrare MADR, aproximativ <strong>91.000 garan<\/strong><strong>\u021bii<\/strong><strong> <\/strong><strong>pentru IMM-uri, valoarea total\u0103 a garan\u021biilor fiind de circa 62 miliarde lei, cu finan\u021b\u0103ri atrase \u00een valoare de 72,6 miliarde lei<\/strong>. Dintre acestea, peste <strong>81.000 de garan\u021bii \u00een valoare de peste 58&nbsp; miliarde lei<\/strong> <strong>au fost acordate prin programele IMM INVEST \u0219i IMM INVEST PLUS<\/strong>, acestea sus\u021bin\u00e2nd finan\u021b\u0103ri de circa 67 miliarde lei.<\/p>\n\n\n\n<p>Astfel, volumul finan\u021b\u0103rilor acordate cu sprijinul garan\u021biilor <a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/fngcimm-va-asigura-sustinerea-mediului-de-afaceri-si-in-2026\/\">FNGCIMM<\/a> dep\u0103\u0219e\u0219te cu 150%, echivalentul cre\u0219terii soldului creditelor acordate de \u00eentreg sistemul bancar \u00een ultimii 15 ani.<\/p>\n\n\n\n<p>Potrivit datelor Bancii Na\u021bionale a Rom\u00e2niei \u0219i a Eurostat, la nivelul anului 2024, Rom\u00e2nia se eviden\u021bia \u00een Uniunea European\u0103 prin cea mai ridicat\u0103 pondere a creditului comercial \u00een structura bilan\u021bier\u0103 a companiilor, concomitent cu una dintre cele mai reduse ponderi ale creditului bancar \u00een PIB. \u00cen acest context, schemele de garantare gestionate de FNGCIMM au avut un rol esen\u021bial \u00een cre\u0219terea gradului de bancarizare, respectiv a finan\u021b\u0103rii companiilor, reduc\u00e2nd riscul sistemic generat de interdependen\u021bele din creditul comercial, un segment nereglementat \u0219i mai pu\u021bin transparent comparativ cu finan\u021barea bancar\u0103, aflat\u0103 sub supravegherea strict\u0103 a BNR.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Impact direct<\/h2>\n\n\n\n<p>Programele de garantare IMM INVEST ROMANIA, IMM INVEST PLUS si IMM PLUS derulate \u00eentre 2020 \u0219i 2024 reprezint\u0103 un exemplu solid de politic\u0103 public\u0103 eficient\u0103, cu un impact direct \u0219i m\u0103surabil asupra dezvolt\u0103rii mediului de afaceri. Garan\u021biile acordate au sprijinit companiile \u00een perioade dificile \u0219i au generat un impact economic \u0219i fiscal semnificativ, contribuind la cre\u0219terea cifrei de afaceri, a profitabilit\u0103\u021bii \u0219i a num\u0103rului de angaja\u021bi \u00eentr-un ritm superior mediei \u00eenregistrate la nivelul economiei.<\/p>\n\n\n\n<p>Prin lansarea noii facilit\u0103\u021bi de refinan\u021bare, FNGCIMM reconfirm\u0103 angajamentul de a sus\u021bine competitivitatea \u0219i sustenabilitatea IMM-urilor rom\u00e2ne\u0219ti, oferind solu\u021bii financiare adaptate noilor realit\u0103\u021bi economice.<\/p>\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 urmeaz\u0103 s\u0103 lanseze \u00een acest an, noi solu\u021bii de finan\u021bare garantat\u0103 pentru a veni \u00een \u00eent\u00e2mpinarea nevoilor mediului de afaceri.<\/p>\n\n\n\n<p>Detalii, <a href=\"https:\/\/www.fngcimm.ro\/\">AICI<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii (FNGCIMM) a primit acordul Ministerului Finan\u021belor, \u00een calitate de ac\u021bionar unic al FNGCIMM, de a oferi beneficiarilor Programelor Guvernamentale IMM INVEST \u0219i IMM INVEST PLUS posibilitatea de prelungire \u0219i refinan\u021bare a soldului creditelor acordate prin respectivele programe guvernamentale. Decizia vine \u00een contextul necesit\u0103\u021bii adopt\u0103rii [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":15216,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3519,4557],"class_list":{"0":"post-15215","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-fngcimm","9":"tag-imm-invest"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FNGCIMM lanseaz\u0103 refinan\u021barea IMM INVEST \u0219i IMM INVEST PLUS - Covasna45<\/title>\n<meta name=\"description\" content=\"FNGCIMM a primit acordul Ministerului Finan\u021belor de a oferi beneficiarilor Programelor Guvernamentale IMM INVEST \u0219i IMM INVEST PLUS.\" \/>\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-refinantarea-imm-invest-si-imm-invest-plus\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FNGCIMM lanseaz\u0103 refinan\u021barea IMM INVEST \u0219i IMM INVEST PLUS - 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