{"id":15991,"date":"2026-04-17T14:13:13","date_gmt":"2026-04-17T12:13:13","guid":{"rendered":"https:\/\/covasna45.ro\/?p=15991"},"modified":"2026-04-17T14:13:13","modified_gmt":"2026-04-17T12:13:13","slug":"reset-financiar-pentru-imm-uri-solutia-de-refinantare-sustinuta-de-fngcimm","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/reset-financiar-pentru-imm-uri-solutia-de-refinantare-sustinuta-de-fngcimm\/","title":{"rendered":"Reset financiar pentru IMM-uri: solu\u021bia de refinan\u021bare sus\u021binut\u0103 de FNGCIMM"},"content":{"rendered":"\n<p>Beneficiarii programelor guvernamentale IMM Invest Plus \u0219i IMM Plus, reglementate prin OUG nr. 99\/2022 \u0219i OUG nr. 18\/2024, pot accesa un mecanism de refinan\u021bare care le va permite optimizarea finan\u021b\u0103rilor primite, prin reducerea costurilor \u0219i restructurarea termenelor de rambursare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Beneficii directe<\/h2>\n\n\n\n<p>\u00centr-un mediu financiar caracterizat de presiuni asupra lichidit\u0103\u021bii \u0219i costuri ridicate ale finan\u021b\u0103rii, refinan\u021barea creditelor devine un instrument esen\u021bial pentru companiile mici \u0219i mijlocii care urm\u0103resc stabilitate \u0219i eficien\u021b\u0103 opera\u021bional\u0103. Noul produs de garantare lansat de FNGCIMM va permite refinan\u021barea creditelor pentru capital de lucru, acordate prin IMM Invest Plus \u0219i IMM Plus pentru a oferi companiilor posibilitatea s\u0103-\u0219i restructureze expunerea financiar\u0103 f\u0103r\u0103 a genera presiuni suplimentare asupra cash flow-ului.<\/p>\n\n\n\n<p>Astfel, avantajele acestui mecanism de refinan\u021bare genereaz\u0103 beneficii directe pentru IMM-uri, precum reducerea costului total al finan\u021b\u0103rii, \u00eembun\u0103t\u0103\u021birea fluxului de numerar, cre\u0219terea predictibilit\u0103\u021bii financiare, eliberarea propriilor garan\u021bii pentru alte finan\u021b\u0103ri.<\/p>\n\n\n\n<p>Prin implicarea FNGCIMM, riscul de credit este distribuit \u00eentre banc\u0103 \u0219i garant, facilit\u00e2nd accesul IMM-ului la condi\u021bii mai competitive:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea refinan\u021b\u0103rii: maximum 5.000.000 lei (sold la 31.12.2025)<\/li>\n\n\n\n<li>Grad de garantare: p\u00e2n\u0103 la 80% din finan\u021bare (max. 4.000.000 lei)<\/li>\n\n\n\n<li>Durata garan\u021biei: maximum 36 luni<\/li>\n\n\n\n<li>Structur\u0103 de rambursare: rate lunare, cu amortizare \u00een ultimele 24 luni<\/li>\n\n\n\n<li>Costul garan\u021biei: \u00eentre 1,7% \u0219i 2,65% anual, ajustat \u00een func\u021bie de ratingul intern<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Garan\u021biile vor fi acordate exclusiv pentru capital de lucru \u00een vederea optimiz\u0103rii finan\u021b\u0103rilor existente.<\/h2>\n\n\n\n<p>Noul produs de garantare stabiles\u0219te un echilibru \u00eentre accesibilitate \u0219i pruden\u021b\u0103, astfel pentru finan\u021b\u0103ri sub 500.000 lei, mecanismul de acordare este unul simplificat, bazat pe ipotec\u0103 asupra conturilor, &nbsp;\u00een timp ce pentru finan\u021b\u0103ri peste acest prag, sunt necesare de garan\u021bii reale din partea beneficiarului, de minimum 20%..Garan\u021biile beneficiarului pot consta \u00een &nbsp;depozite colaterale, echipamente, stocuri \u0219i ipoteci imobiliare (rang I\u2013III).<\/p>\n\n\n\n<p>Eligibilitatea are la baz\u0103 filtrarea riguroas\u0103 \u00een vederea men\u021binerii unor portofolii s\u0103n\u0103toase, consolid\u0103rii disciplinei financiare \u0219i a diminu\u0103rii riscului sistemic. Acest cadru pozi\u021bioneaz\u0103 produsul nu ca un instrument de salvare, ci ca unul de consolidare pentru IMM-uri func\u021bionale.<\/p>\n\n\n\n<p>Astfel, accesul la refinan\u021bare este condi\u021bionat de urm\u0103toarele criterii, care definesc o companie viabil\u0103 din punct de vedere economic:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Nu \u00eenregistreaz\u0103 \u00eent\u00e2rzieri semnificative la plat\u0103 \u00een ultimele 6 luni;<\/li>\n\n\n\n<li>Nu \u00eenregistreaz\u0103 incidente majore de plat\u0103 sau restric\u021bii bancare;<\/li>\n\n\n\n<li>Nu se afl\u0103 \u00een procedur\u0103 de insolven\u021b\u0103 sau executare;<\/li>\n\n\n\n<li>Are capitaluri proprii pozitive \u0219i situa\u021bii financiare conforme;<\/li>\n\n\n\n<li>Nu se afl\u0103 \u00een litigiu, \u00een calitate de p\u00e2r\u00e2t, cu institu\u021biile financiare, Ministerul Finan\u021belor sau FNGCIMM.<\/li>\n<\/ul>\n\n\n\n<p>P\u00e2n\u0103 \u00een prezent, <a href=\"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/aveti-o-idee-de-afacere-dar-finantarea-e-o-problema-avem-noutati-de-la-fngcimm\/\">FNGCIMM<\/a> a semnat conven\u021bii de colaborare cu: Libra Internet Bank, ProCredit Bank, Vista Bank \u0219i Techventures Bank, urm\u00e2nd s\u0103 se al\u0103ture \u0219i alte institu\u021bii financiare care se afl\u0103 \u00een diverse faze de analiz\u0103 \u0219i avizare.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Apel c\u0103tre antreprenori \u0219i sectorul bancar: valorificarea unui instrument de optimizare financiar\u0103<\/h2>\n\n\n\n<p>Pentru antreprenori, mesajul este clar: refinan\u021barea nu trebuie am\u00e2nat\u0103. \u00centr-un context de dob\u00e2nzi \u00eenc\u0103 volatile, optimizarea costurilor financiare devine un avantaj competitiv imediat.<\/p>\n\n\n\n<p>Pentru sectorul bancar, oportunitatea este de a integra rapid acest instrument \u00een oferta curent\u0103, ca solu\u021bie de reten\u021bie \u0219i consolidare a portofoliilor existente.<\/p>\n\n\n\n<p>Adop\u021bia accelerat\u0103 a acestui produs poate genera un efect de multiplicare \u00een economie: IMM-uri mai stabile, risc mai bine gestionat \u0219i o rela\u021bie banc\u0103\u2013client orientat\u0103 spre sustenabilitate.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">\u00cen actualul context economic, refinan\u021barea nu mai este o reac\u021bie la dificultate, ci o decizie strategic\u0103. <\/h2>\n\n\n\n<p>Produsul propus de FNGCIMM transform\u0103 acest proces \u00eentr-un instrument structurat de management al costurilor \u0219i riscurilor, adaptat nevoilor reale ale IMM-urilor.<\/p>\n\n\n\n<p>Pentru companiile care au utilizat finan\u021b\u0103ri \u00een cadrul programelor recente, aceast\u0103 solu\u021bie ofer\u0103 oportunitatea de a trece de la supravie\u021buire la optimizare \u2013 un pas esen\u021bial pentru sustenabilitate pe termen mediu \u0219i lung.<\/p>\n\n\n\n<figure class=\"wp-block-video\"><video height=\"788\" style=\"aspect-ratio: 940 \/ 788;\" width=\"940\" controls src=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/04\/bine-de-stiut-5.mp4\"><\/video><\/figure>\n\n\n\n<p><em>Sursa: <a href=\"https:\/\/fngcimm.ro\/\">FNGCIMM<\/a><\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Beneficiarii programelor guvernamentale IMM Invest Plus \u0219i IMM Plus, reglementate prin OUG nr. 99\/2022 \u0219i OUG nr. 18\/2024, pot accesa un mecanism de refinan\u021bare care le va permite optimizarea finan\u021b\u0103rilor primite, prin reducerea costurilor \u0219i restructurarea termenelor de rambursare. Beneficii directe \u00centr-un mediu financiar caracterizat de presiuni asupra lichidit\u0103\u021bii \u0219i costuri ridicate ale finan\u021b\u0103rii, refinan\u021barea [&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":[2222,3519,3934],"class_list":{"0":"post-15991","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-lumea-noastra","8":"tag-credit","9":"tag-fngcimm","10":"tag-garantie-2"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Reset financiar pentru IMM-uri: solu\u021bia de refinan\u021bare sus\u021binut\u0103 de FNGCIMM - Covasna45<\/title>\n<meta name=\"description\" content=\"Beneficiarii programelor guvernamentale IMM Invest Plus \u0219i IMM Plus pot accesa un mecanism de refinan\u021bare,\" \/>\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\/reset-financiar-pentru-imm-uri-solutia-de-refinantare-sustinuta-de-fngcimm\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Reset financiar pentru IMM-uri: solu\u021bia de refinan\u021bare sus\u021binut\u0103 de FNGCIMM - 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