{"id":15492,"date":"2026-03-17T12:13:58","date_gmt":"2026-03-17T10:13:58","guid":{"rendered":"https:\/\/covasna45.ro\/?p=15492"},"modified":"2026-03-17T12:14:09","modified_gmt":"2026-03-17T10:14:09","slug":"aveti-o-idee-de-afacere-dar-finantarea-e-o-problema-avem-noutati-de-la-fngcimm","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/aveti-o-idee-de-afacere-dar-finantarea-e-o-problema-avem-noutati-de-la-fngcimm\/","title":{"rendered":"Aveti o idee de afacere, dar finan\u021barea e o problem\u0103?\u00a0Avem nout\u0103\u021bi de la FNGCIMM!"},"content":{"rendered":"\n<p>Fondul Na\u021bional de Garantare a Creditelor pentru Intreprinderile Mici si Mijlocii (FNGCIMM), institu\u021bie cu rol esen\u021bial \u00een mediul economic rom\u00e2nesc, propune \u0219i \u00een anul 2026 produse de garantare noi. \u00centr-un context economic \u00een care viteza de reac\u021bie \u0219i accesul rapid la capital fac diferen\u021ba dintre stagnare \u0219i cre\u0219tere, FNGCIMM vine \u00een sprijinul antreprenorilor care \u00ee\u0219i propun s\u0103 realizeze proiecte viabile din punct de vedere economic, dar care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi \u00een ob\u021binerea unui credit bancar, pentru c\u0103 nu de\u021bin suficiente garan\u021bii materiale. Aceast\u0103 facilitate&nbsp; este&nbsp; cu at\u00e2t mai important\u0103 \u00een cazul companiilor aflate la \u00eenceput de drum.<\/p>\n\n\n\n<p>Pentru anul 2026, antreprenorii pot accesa produsele de garantare din surse proprii FNGCIMM, respectiv Garan\u021bia, Plafon, Garan\u021bia OPTIMM \u0219i Garan\u021bia Expres\u0103, dar \u0219i noi tipuri de garan\u021bii adaptate diferitelor nevoi ale antreprenorilor.<\/p>\n\n\n\n<p><strong>Garan\u021bia PLAFON<\/strong><\/p>\n\n\n\n<p>Beneficiari eligibili &#8211; IMM-uri \u00eenfiin\u021bate potrivit Legea 346\/2004, cu modific\u0103rile \u0219i complet\u0103rile ulterioare.<\/p>\n\n\n\n<p>Modalitatea de transmitere a documenta\u021biei &#8211; Documenta\u021bia este transmis\u0103 de banc\u0103, online, prin aplica\u021bia web Plafoane.<\/p>\n\n\n\n<p>Valoarea maxim\u0103 a garan\u021biei: \u00een limita a: 1.600.000 lei; 2.000.000 lei; 2.400.000 lei- \u00een func\u021bie de finan\u021bator.<\/p>\n\n\n\n<p>Procent de garantare: pentru activitate curent\u0103\/ investi\u021bii: maximum 80% din finan\u021barea aprobat\u0103<\/p>\n\n\n\n<p>Comisionul de garantare este stabilit \u00een func\u021bie de clasa de risc a beneficiarului, respectiv:<\/p>\n\n\n\n<p>Activitate curent\u0103:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>min. 1,70%\/an \u2013 max. 2,95%\/an<\/li>\n\n\n\n<li>3,8%\/an pentru Start-up<\/li>\n\n\n\n<li>Investi\u021bii:<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>min. 1,60%\/an \u2013 max. 2,95%\/an<\/li>\n\n\n\n<li>3,8%\/an pentru Start-up<\/li>\n<\/ul>\n\n\n\n<p>Valabilitatea garan\u021biei pentru activitate curent\u0103 este de&nbsp; maximum 36 luni, iar pentru investi\u021bii, conform perioadei stabilite de finan\u021bator<\/p>\n\n\n\n<p>Termen de analiz\u0103<strong>: <\/strong>5 zile lucr\u0103toare de la primirea Solicit\u0103rii de garantare.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" decoding=\"async\" width=\"940\" height=\"788\" src=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78.jpg\" alt=\"\" class=\"wp-image-15493\" srcset=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78.jpg 940w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78-300x251.jpg 300w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78-768x644.jpg 768w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78-150x126.jpg 150w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/03\/bine-de-stiut-78-696x583.jpg 696w\" sizes=\"auto, (max-width: 940px) 100vw, 940px\" \/><\/figure>\n\n\n\n<p><strong>Garan\u021bia OPTIMM &#8211; <\/strong>este o adaptare a garan\u021biei PLAFON la cerin\u021bele de flexibilitate \u0219i rapiditate din pia\u021b\u0103<\/p>\n\n\n\n<p>Beneficiari eligibili &#8211; IMM-uri \u00eenfiin\u021bate potrivit Legea 346\/2004, cu modific\u0103rile \u0219i complet\u0103rile ulterioare.<\/p>\n\n\n\n<p>Modalitatea de transmitere a documenta\u021biei: Documenta\u021bia se transmite online, prin aplica\u021bia web Plafoane (de c\u0103tre finan\u021bator).<\/p>\n\n\n\n<p>Destina\u021bia finan\u021b\u0103rii garantate<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Capital de lucru<\/li>\n\n\n\n<li>maxim 250.000 lei sau<\/li>\n\n\n\n<li>maxim 500.000 lei (\u00een func\u021bie de finan\u021bator).<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Procent de garantare: Maximum 80% din finan\u021barea aprobat\u0103.<\/strong><\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Valoarea maxim\u0103 a garan\u021biei; p\u00e2n\u0103 la 200.000 lei sau 400.000 lei (\u00een func\u021bie de finan\u021bator)<\/h3>\n\n\n\n<h3 class=\"wp-block-heading\">Valabilitatea garan\u021biei: Maximum 24 luni, cu posibilitate de prelungire<\/h3>\n\n\n\n<h2 class=\"wp-block-heading\">Comision de garantare<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>2,3%\/an<\/li>\n\n\n\n<li>2,95%\/an pentru prelungiri (clasa de risc VII)<\/li>\n\n\n\n<li>3,8%\/an pentru Start-up<\/li>\n<\/ul>\n\n\n\n<p>Garan\u021bii necesarepe l\u00e2ng\u0103garan\u021bia FNGCIMM \u00een propor\u021bie de 80%, sunt solicitate de finan\u021bator: fideiusiune, ipotec\u0103 pe cont curent sau alte garan\u021bii agreate, \u00een propor\u021bie de 20%.<\/p>\n\n\n\n<p><strong>Garan\u021bia EXPRES\u0102<\/strong><\/p>\n\n\n\n<p>Pentruproiectele de anvergur\u0103 \u0219i ai nevoie de finan\u021b\u0103ri care dep\u0103\u0219esc nivelul sumelor garantate prev\u0103zute \u00een conven\u021biile plafon.<\/p>\n\n\n\n<p><strong>Beneficiari eligibili &#8211; IMM-uri<\/strong><\/p>\n\n\n\n<p>Modalitatea de transmitere a documenta\u021biei &#8211; Documenta\u021bia se transmite de c\u0103tre banc\u0103, \u00een format letric.<\/p>\n\n\n\n<p>Valoarea maxim\u0103 a garan\u021biei &#8211;&nbsp; Maxim 2.500.000 EUR pe societate \/ grup.<\/p>\n\n\n\n<p><strong>Procent de garantare din finan\u021barea aprobat\u0103<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Activitate curent\u0103: maximum 50%<\/li>\n\n\n\n<li>Investi\u021bii: maximum 80%<\/li>\n<\/ul>\n\n\n\n<p>Valabilitatea garan\u021biei \u2013 pentru activitate curent\u0103: maximum 36 luni, iar pentru investi\u021bii: stabilit\u0103 \u00een func\u021bie de finan\u021bator<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Garan\u021bii necesare \/ Mix de garan\u021bii<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>80% garan\u021bie FNGCIMM<\/li>\n\n\n\n<li>20% alte garan\u021bii agreate de finan\u021bator<\/li>\n<\/ul>\n\n\n\n<p>Termen de analiz\u0103 &#8211; 10 zile lucr\u0103toare de la primirea Solicit\u0103rii de garantare \u0219i a Dosarului de garantare, \u00eentocmite corect \u0219i complet.<\/p>\n\n\n\n<p><strong>Produse de garantare ce vor fi lansate \u00een anul 20226<\/strong><\/p>\n\n\n\n<ol start=\"1\" class=\"wp-block-list\">\n<li>GARAN\u021aIA DE PORTOFOLIU PENTRU MICROCREDITE<\/li>\n\n\n\n<li>GARANTARE SCRISORI DE GARAN\u021aIE BANCAR\u0102<\/li>\n\n\n\n<li>SCRISORI DE GARAN\u021aIE ACORDATE DIRECT IMM-URILOR<\/li>\n\n\n\n<li>START-UP NATION-EDI\u021aIA 4<\/li>\n\n\n\n<li>REFINAN\u021aARE IMM INVEST PLUS \u0218I IMM PLUS<\/li>\n\n\n\n<li>INSTANT IMM<\/li>\n\n\n\n<li>GARANTARE LEASING<\/li>\n\n\n\n<li>GARAN\u021aIA DE PORTOFOLIU<\/li>\n<\/ol>\n\n\n\n<p>Tot \u00een cursul acestui an, FNGCIMM opera\u021bionalizez\u0103 patru instrumente financiare inovatoare pentru sectorul IMM, de tip garan\u021bie de portofoliu plafonat\u0103, combinate cu grant \u00eentr-o opera\u021biune unic\u0103, cofinan\u021bate de Uniunea European\u0103 prin FEADR. Lansarea \u0219i implementarea acestor instrumente va fi realizat\u0103 \u00een coordonarea Ministerului Investi\u021biilor \u0219i Fondurilor Europene, a ADR Centru \u0219i ADR Sud Vest Oltenia. Prin instrumentele financiare sunt acordate garan\u021bii, cu comision 0 \u0219i dob\u00e2nd\u0103 subven\u021bionat\u0103 pentru o perioad\u0103 de 12 sau 24 de luni \u00een func\u021bie de tipul finan\u021b\u0103rii \u2013 capital de lucru sau pentru investi\u021bii&nbsp; &#8211; ce vor fi accesate de la intermediarii financiari selecta\u021bi.<\/p>\n\n\n\n<p>Beneficiarii pot primi un rabat de capital de maxim 20%, dac\u0103 indicatorii programului sunt realiza\u021bi, precum \u0219i asisten\u021b\u0103 tehnic\u0103 \u00een valoare de 2.000 euro aferente creditelor pentru capital de lucru \u0219i 5.000 de euro pentru investi\u021bii.<\/p>\n\n\n\n<p><strong>R\u0103m\u00e2i conectat cu nout\u0103\u021bile FNGCIMM!<\/strong><\/p>\n\n\n\n<p>SITE: <a href=\"http:\/\/www.fngcimm.ro\">www.fngcimm.ro<\/a><\/p>\n\n\n\n<p>Facebook: <a href=\"https:\/\/www.facebook.com\/fngcimm\">Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Fondul Na\u021bional de Garantare a Creditelor pentru Intreprinderile Mici si Mijlocii (FNGCIMM), institu\u021bie cu rol esen\u021bial \u00een mediul economic rom\u00e2nesc, propune \u0219i \u00een anul 2026 produse de garantare noi. \u00centr-un context economic \u00een care viteza de reac\u021bie \u0219i accesul rapid la capital fac diferen\u021ba dintre stagnare \u0219i cre\u0219tere, FNGCIMM vine \u00een sprijinul antreprenorilor care \u00ee\u0219i [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":12068,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3519,3955],"class_list":{"0":"post-15492","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-fngcimm","9":"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>Aveti o idee de afacere, dar finan\u021barea e o problem\u0103?\u00a0Avem nout\u0103\u021bi de la FNGCIMM! 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