{"id":17365,"date":"2026-07-13T09:19:35","date_gmt":"2026-07-13T07:19:35","guid":{"rendered":"https:\/\/covasna45.ro\/?p=17365"},"modified":"2026-07-13T09:20:55","modified_gmt":"2026-07-13T07:20:55","slug":"video-tot-ce-trebuie-sa-stii-despre-garantiile-fngcimm","status":"publish","type":"post","link":"https:\/\/covasna45.ro\/index.php\/lumea-noastra\/video-tot-ce-trebuie-sa-stii-despre-garantiile-fngcimm\/","title":{"rendered":"VIDEO. Tot ce trebuie s\u0103 \u0219tii despre garan\u021biile FNGCIMM"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">Directorul general al Fondului Na\u021bional de Garantare pentru IMM-uri, C\u0103t\u0103lin Leonte, explic\u0103, \u00eentr-un clip video, toate detaliile referitoare la activitatea lor. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201eAi o afacere care merge bine. Mergi la banc\u0103, le ar\u0103\u021bi cifrele, \u0219i ei se uit\u0103, dau din cap\u2026 da, arat\u0103 bine, ave\u021bi capacitate de rambursare. \u0218i apoi vine \u00eentrebarea: dar ce garan\u021bii ave\u021bi? \u0218i aici, de foarte multe ori, discu\u021bia se blocheaz\u0103.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ei bine, acesta este momentul c\u00e2nd intervenim noi.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"378\" src=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-1024x378.jpg\" alt=\"\" class=\"wp-image-17367\" srcset=\"https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-1024x378.jpg 1024w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-300x111.jpg 300w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-768x284.jpg 768w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-1536x568.jpg 1536w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-150x55.jpg 150w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-696x257.jpg 696w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4-1068x395.jpg 1068w, https:\/\/covasna45.ro\/wp-content\/uploads\/2026\/07\/fng4.jpg 1816w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\">Foarte mul\u021bi oameni cred c\u0103 FNGCIMM d\u0103 credite. Vreau s\u0103 clarific un lucru simplu: noi nu d\u0103m credite. Noi d\u0103m garan\u021bii.<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">G\u00e2ndi\u021bi-v\u0103 la o asigurare. Cum exist\u0103 asiguratori pentru ma\u0219ini sau pentru case, noi suntem, practic, asiguratorii pentru credite.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u00cen aceast\u0103 ecua\u021bie suntem trei: tu, antreprenorul care are nevoie de finan\u021bare, banca, cea care d\u0103 banii, \u0219i noi, institu\u021bia care vine \u0219i spune b\u0103ncii: d\u0103-i creditul acestui om, noi garant\u0103m pentru el \u0219i \u00eemp\u0103r\u021bim riscul cu tine.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Haide\u021bi s\u0103 v\u0103 dau un exemplu des \u00eent\u00e2lnit. S\u0103 zicem c\u0103 ai un restaurant care merge excelent sau o mic\u0103 fabric\u0103. Vrei s\u0103 cumperi un echipament nou sau s\u0103 \u00ee\u021bi extinzi activitatea. Mergi la banc\u0103, dar tu func\u021bionezi \u00eentr-un spa\u021biu \u00eenchiriat. Nu po\u021bi pune ipotec\u0103 pe cl\u0103direa proprietarului. \u0218i nu vrei s\u0103 te duci la mama s\u0103 \u00eei ceri apartamentul ca s\u0103 \u00eel pui gaj la banc\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce faci \u00een situa\u021bia asta?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Noi evalu\u0103m afacerea ta fix pe acelea\u0219i cifre pe care se uit\u0103 \u0219i banca. Dac\u0103 e\u0219ti o firm\u0103 viabil\u0103, care face profit \u0219i nu are datorii la stat, venim cu o garan\u021bie care poate acoperi p\u00e2n\u0103 la 80% din valoarea creditului t\u0103u. Banca se simte protejat\u0103. Tu ob\u021bii finan\u021barea. \u0218i nu ai avut nevoie de niciun imobil propriu.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u0218i cel mai simplu lucru din toat\u0103 povestea asta: nu trebuie s\u0103 vii la noi. Mergi la banca ta, \u00eei spui c\u0103 e\u0219ti interesat de solu\u021biile de garantare FNGCIMM, \u0219i ei se ocup\u0103 de tot. Noi lucr\u0103m direct cu b\u0103ncile, nu avem ghi\u0219eu pentru antreprenori\u201d.<\/p>\n\n\n\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\"><div class=\"wp-block-embed__wrapper\">\n<div class=\"youtube-embed\" data-video_id=\"KEZp20gCfIU\"><iframe loading=\"lazy\" title=\"E\u0219ti \u00een c\u0103utare de finan\u021bare, dar nu ai suficiente garan\u021bii pentru a accesa un credit\" width=\"696\" height=\"392\" src=\"https:\/\/www.youtube.com\/embed\/KEZp20gCfIU?start=11&amp;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/div>\n<\/div><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Sursa \u0219i detalii: https:\/\/fngcimm.ro\/<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Directorul general al Fondului Na\u021bional de Garantare pentru IMM-uri, C\u0103t\u0103lin Leonte, explic\u0103, \u00eentr-un clip video, toate detaliile referitoare la activitatea lor. \u201eAi o afacere care merge bine. Mergi la banc\u0103, le ar\u0103\u021bi cifrele, \u0219i ei se uit\u0103, dau din cap\u2026 da, arat\u0103 bine, ave\u021bi capacitate de rambursare. \u0218i apoi vine \u00eentrebarea: dar ce garan\u021bii ave\u021bi? [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":17366,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[14],"tags":[2222,366,3519,3879,162],"class_list":["post-17365","post","type-post","status-publish","format-standard","has-post-thumbnail","category-lumea-noastra","tag-credit","tag-finante","tag-fngcimm","tag-garantii","tag-imm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>VIDEO. 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