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    Référence: 20230428
    Date de publication: 17 juillet 2023

    Promoteur – Intermédiaire Financier




    The operation is structured as multiple beneficiary intermediated loan (MBIL) to support projects carried out by small and medium sized enterprises (SMEs) and mid-caps in Romania.

    Additionality and Impact

    Operation aims to help mitigate market failure of SME and Midcaps' insufficient access to long term funding for their investments at low financing costs.


    By addressing these market gaps, which are more acute in Romania compared to EU average, project in particular supports strengthening of EU's economic, social and territorial cohesion (85% expected to be implemented in cohesion regions) and it also mitigates gap in financing for small to mid-size Climate Action & Environmental Sustainability projects with a 20% green window.


    Small size of SMEs makes them more vulnerable to economic cycles and more constrained in opportunities for growth. Leasing as a method of financing offers various advantages for SMEs compared to traditional bank loans. Among others, leasing facilitates access to finance for companies with limited access to bank lending and new/young enterprises without credit track record and with limited collateral to provide.

    Most important contributions of EIB loan will be: long term funding potentially in local currency, diversification of external funding, signalling effect for other financiers to provide similar long-term loans to Borrower, and availability of Green Gateway advisory support package which could contribute to capacity building at Intermediary.


    The aim is to enhance access to finance for the final beneficiaries. Part of available resources will support Climate Action projects.


    Montant BEI envisagé (montant approximatif)

    EUR 120 million

    Coût total (montant approximatif)

    not applicable

    Aspects environnementaux

    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.

    Passation des marchés

    Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.


    Signé - 12/12/2023

    À l'examen
    13 novembre 2023
    12 décembre 2023

    Clause de non-responsabilité

    Avant d’être approuvés par le Conseil d’administration et avant la signature des prêts correspondants, les projets font l’objet d’une instruction et de négociations. Par conséquent, les informations et données fournies sur cette page sont indicatives.
    Elles sont fournies à des fins de transparence uniquement et ne peuvent être considérées comme représentant la politique officielle de la BEI (voir également les notes explicatives).

    Mots-clés correspondants

    Roumanie Lignes de crédit