EaSI loan – without collateral

In case you need a loan without collateral, this product is what you are looking for. Moreover, we are offering you better pricing conditions than the standard offer.


EaSI loan covers the current working capital needs as well as the investments for the continuous development of your business.

Eligible Clients

EaSI loan is accessible to all microenterprises registered in Romania legally established as: agricultural producers, small farmers, self-employed persons (PFA), individual enterprises (II), family enterprises (IF) or limited liability companies (Ltd) with an average employee number of less than 10 and turnover/total assets less than EUR 2.000.000.

We are offering support to:

  • Persons who have experienced difficulties in entering and re-entering in the labor market or is at risk of social exclusion;
  • Businesses either in start-up or development phase, especially microenterprises which are in a disadvantaged position with regard to access to the conventional loans but wishes to develop the activity, to attract unemployed, absolvents or disadvantaged persons.

What are your benefits?

  • No collateral from the client
    80% of the loan value is covered by the guarantee funded by the European Union under the Programme for Employment and Social Innovation (EaSI).
  • No guarantee fee
  • The loan value is minimum RON 5.000 and maximum RON 118.000
  • Better pricing conditions than the standard offer
  • Flexible reimbursement schedule considering the income seasonality (minimum 3 installments/year)
  • Fast approvald

The supported financing benefits from the support of the European Union under the Guarantee Facility established under Regulation (EU) No 1296/2013 of the European Parliament and the Council establishing a Union Programme for Employment and Social Innovation (“EASI”) and the European Fund for Strategic Investment (“EFSI”) set up under the Investment Plan for Europe. The purpose of EFSI is to help support financing and implementing productive investments in the European Union and to ensure increased access to financing. Additional information on EFSI can be found on the information page provided by the European Commission (http://ec.europa.eu/priorities/jobs-growth-and-investment/investment-plan_en) and on Twitter (#investEU).

For general additional information on the programme, please check on European Commission website at:





EIF: http://www.eif.org/what_we_do/microfinance/easi/