The outstanding balance of loans granted under the IMM Invest and IMM Invest Plus programmes as at 31 December 2025 may be refinanced, the National Credit Guarantee Fund for Small and Medium-Sized Enterprises (FNGCIMM) informed on Wednesday.
According to a press release from the FNGCIMM sent to AGERPRES, the Fund has received approval from the Ministry of Finance, as sole shareholder, to offer beneficiaries of the government programmes IMM Invest and IMM Invest Plus the possibility to extend and refinance the outstanding balance of loans granted under those government programmes.
The maximum duration of the guaranteed financing is 36 months, with repayment according to a schedule over the final 24 months and guarantee fees set in accordance with the grid approved by the FNGCIMM, based on a scoring analysis (from 1.7% per year for Class I up to 2.65% per year for Class VI).
"The IMM Invest and IMM Invest Plus programmes represented, in the period 2020-2024, essential pillars in supporting business lending, covering a wide range of needs: financing working capital during the pandemic and the crisis generated by the war in Ukraine, investments for economic recovery and support for strategic sectors such as agriculture, energy, transport and construction," the press release reads.
In the period 2020-2025, the FNGCIMM granted, from its own, government and Ministry of Agriculture and Rural Development administered sources, approximately 91,000 guarantees for SMEs, with a total guarantee value of around 62 billion lei and financing attracted amounting to 72.6 billion lei. Of these, more than 81,000 guarantees worth over 58 billion lei were granted through the IMM Invest and IMM Invest Plus programmes, supporting financing of around 67 billion lei.
Thus, the volume of financing granted with the support of FNGCIMM guarantees exceeds by 150% the equivalent of the increase in the outstanding balance of loans granted by the entire banking system over the past 15 years.
By launching the new refinancing facility, the FNGCIMM reaffirms its commitment to supporting the competitiveness and sustainability of Romanian SMEs, offering financial solutions tailored to the new economic realities.
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