{"id":16581,"date":"2026-05-25T14:33:24","date_gmt":"2026-05-25T12:33:24","guid":{"rendered":"https:\/\/covasna45.ro\/?p=16581"},"modified":"2026-05-25T14:35:04","modified_gmt":"2026-05-25T12:35:04","slug":"garantia-fngcimm-pentru-start-up-nation-2024-2026-tot-ce-trebuie-sa-stii-inainte-sa-aplici","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/garantia-fngcimm-pentru-start-up-nation-2024-2026-tot-ce-trebuie-sa-stii-inainte-sa-aplici\/","title":{"rendered":"Garan\u021bia FNGCIMM pentru Start Up Nation 2024\u20132026: Tot ce trebuie s\u0103 \u0219tii \u00eenainte s\u0103 aplici!"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Ai un plan de afaceri aprobat \u00een cadrul programului Start Up Nation, dar banca \u00ee\u021bi cere garan\u021bii pe care nu le ai? R\u0103spunsul vine de Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii. Garan\u021bia este destinat\u0103 creditelor punte pentru investi\u021bii, acordate beneficiarilor Programului Start-Up Nation, \u0219i ofer\u0103 garan\u021bii individuale de maximum 200.000 lei, procentul de garantare fiind de maximum 80% din valoarea creditului aprobat de finan\u021bator.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Iat\u0103 cum func\u021bioneaz\u0103 acest instrument, cu cifrele exacte de pe pagina oficial\u0103 a Fondului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce este, concret, garan\u021bia FNGCIMM? <\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">FNGCIMM se pozi\u021bioneaz\u0103 \u00eentre beneficiar \u0219i banc\u0103, asum\u00e2nd obliga\u021bia de a acoperi o parte din credit \u00een cazul unui default. Nu este o garan\u021bie de stat \u2014 este o garan\u021bie acordat\u0103 din fonduri proprii ale FNGCIMM \u00een baza conven\u021biilor de colaborare semnate cu b\u0103ncile partenere, CEC Bank \u0219i Banca Transilvania. Dosarul de creditare se depune direct la banc\u0103, care intermediaz\u0103 solicitarea de garan\u021bie c\u0103tre FNGCIMM.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Programul se adreseaz\u0103 IMM-urilor \u00eenfiin\u021bate de persoane fizice care creeaz\u0103 cel pu\u021bin dou\u0103 locuri de munc\u0103 cu norm\u0103 complet\u0103, pe perioad\u0103 nedeterminat\u0103, dup\u0103 intrarea \u00een vigoare a contractului de acordare a ajutorului financiar nerambursabil, \u0219i men\u021bin acele locuri de munc\u0103 cel<br>pu\u021bin 24 de luni de la momentul pl\u0103\u021bii ajutorului.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Caracteristicile garan\u021biei Start Up Nation<\/h2>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Valoarea maxim\u0103 a garan\u021biei: 200.000 lei per beneficiar<\/li>\n\n\n\n<li>Procentul de garantare: maxim 80% din valoarea creditului aprobat<\/li>\n\n\n\n<li>Valoarea maxim\u0103 a finan\u021b\u0103rilor garantate: p\u00e2n\u0103 la 250.000 lei<\/li>\n\n\n\n<li>Comisionul de garantare: maxim 2,6% pe an din valoarea garan\u021biei<\/li>\n\n\n\n<li>Garan\u021bii suplimentare solicitate: fideiusiunea administratorilor \u0219i\/sau asocia\u021bilor IMM- ului \u00een procent de 100% din valoarea creditului garantat \u0219i, \u00een func\u021bie de politica finan\u021batorului, ipotec\u0103 pe bunurile achizi\u021bionate \u00een proiect.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Cheltuielile financiare aferente garan\u021biilor ob\u021binute pentru creditele contractate de beneficiari \u00een vederea realiz\u0103rii proiectelor acceptate \u00een cadrul Programului Start-Up Nation sunt cheltuieli eligibile \u00een cadrul programului. Practic, costul garan\u021biei poate fi recuperat din finan\u021barea<br>nerambursabil\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Cine poate accesa garan\u021bia?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beneficiarii declara\u021bi eligibili \u00een cadrul Programului Start-Up Nation IMM definite potrivit Legii 346\/2004, Pe l\u00e2ng\u0103 \u00eencadrarea \u00een categoria IMM, trebuie \u00eendeplinite c\u00e2teva condi\u021bii esen\u021biale:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>S\u0103 nu fie \u00eentreprindere \u00een dificultate financiar\u0103<\/li>\n\n\n\n<li>S\u0103 nu se afle \u00een procedur\u0103 de insolven\u021b\u0103, executare silit\u0103, dizolvare sau lichidare<\/li>\n\n\n\n<li>S\u0103 nu fi \u00eenregistrat incidente majore cu bilete la ordin \u00een ultimele 6 luni<\/li>\n\n\n\n<li>S\u0103 nu aib\u0103 datorii restante la bugetul statului.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Documentele necesare pentru ob\u021binerea garan\u021biei, care se transmit online, de c\u0103tre angaja\u021bii bancari, prin aplica\u021bia web FNGCIMM, \u00een copie certificat\u0103 cu originalul sunt:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Declara\u021bie pe propria r\u0103spundere privind \u00eencadrarea \u00een categoria IMM<\/li>\n\n\n\n<li>Declara\u021bie pe propria r\u0103spundere a beneficiarului finan\u021b\u0103rii<\/li>\n\n\n\n<li>Certificatul de atestare fiscal\u0103<\/li>\n\n\n\n<li>Acordul IMM de consultare a bazei de date a Centralei Riscului de Credit<\/li>\n\n\n\n<li>Certificatul de \u00eenmatriculare\/\u00eenregistrare al beneficiarului finan\u021b\u0103rii.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Dac\u0103 ai planul de afaceri aprobat \u0219i \u00eendepline\u0219ti condi\u021biile de eligibilitate, accesarea acestei garan\u021bii prin CEC Bank sau Banca Transilvania este un pas avantajos.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consult\u0103 pagina oficial\u0103 FNGCIMM &#8211; Start Up Nation &#8211; <a href=\"https:\/\/fngcimm.ro\/start-up-nation\">AICI<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Ai un plan de afaceri aprobat \u00een cadrul programului Start Up Nation, dar banca \u00ee\u021bi cere garan\u021bii pe care nu le ai? R\u0103spunsul vine de Fondul Na\u021bional de Garantare a Creditelor pentru \u00centreprinderile Mici \u0219i Mijlocii. Garan\u021bia este destinat\u0103 creditelor punte pentru investi\u021bii, acordate beneficiarilor Programului Start-Up Nation, \u0219i ofer\u0103 garan\u021bii individuale de maximum 200.000 [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":16585,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[3519,3752,4768],"class_list":["post-16581","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lumea-noastra","tag-fngcimm","tag-garantie","tag-start-up"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Garan\u021bia FNGCIMM pentru Start Up Nation 2024\u20132026: Tot ce trebuie s\u0103 \u0219tii \u00eenainte s\u0103 aplici! - Covasna45<\/title>\n<meta name=\"description\" content=\"Garan\u021bia este destinat\u0103 creditelor punte pentru investi\u021bii, acordate beneficiarilor Programului Start-Up Nation.\" \/>\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\/garantia-fngcimm-pentru-start-up-nation-2024-2026-tot-ce-trebuie-sa-stii-inainte-sa-aplici\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Garan\u021bia FNGCIMM pentru Start Up Nation 2024\u20132026: Tot ce trebuie s\u0103 \u0219tii \u00eenainte s\u0103 aplici! 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