Head of International Corporate Law and Fintech Practice
Expert in fintech, crypto, and international corporate law with over 20 years of experience. Specializes in crypto licensing (VASP/CASP), iGaming business support, and international structuring, asset protection, and OSINT analytics for risk assessment and due diligence.
LOAN FOR BUSINESS IN ROMANIA
Business financial support programs in Romania
Businessmen who have registered a company in Romania and become EU members have the right to apply for funding from other EU member countries.
There are several types of specialized loans for enterprises, depending on their purpose:
- for investments;
- to finance current activities;
- for credit lines provided to the enterprise in the relevant period
Lending in Romania
For Romanian citizens, loans can also be provided on the basis of a partnership between banks and the state in the framework of business grants. Such opportunities are not available to non-residents. If a small business and financing needs are small, you can use a personal loan, the amount of which usually does not exceed 10,000 EUR. Such a loan is easy to obtain by providing a minimum package of documents (passport, income statement) and without indicating the purpose of the funds.
Large loans are more difficult for foreigners in Romania, but several banks offer loans to non-resident founders with justification for efficient use of funding and a compelling business plan:
- BCR offers different types of loans for legal entities depending on the field of activity (trade, agriculture, services, manufacturing, transport, hotels and restaurants). For each of these areas, there are proposals for financing current needs and investments.
- Banca Transilvania offers financing for small and medium businesses, a start-up loan for starting a business, a loan at a 0% interest rate for current activities.
- Raiffeisen Bank provides a solution for financing small and medium-sized businesses, both current and investment. There are also offers for business entities in the field of agriculture.
Assistance in obtaining a loan for:
- business development;
- business equipment;
- investment projects.
In order to obtain financing or a loan in another country, in particular in Romania, it is very important to have a reliable partner who can select funds, prepare applications for financing, justify estimates: help work out effective business models, etc.
Our services are priced from 200 euros per consultation and subsequent support.
Calculate the cost of services
1 question
Are you currently in Ukraine?
2 question
Are you currently in Romania?
3 question
Have you already chosen a bank that requires legal support for obtaining a loan?
4 question
Is the loan amount that you plan to receive more than 10 thousand euros?
5 question
Do you need a consultation urgently?
Is it mandatory to have a legal address in Romania?
Yes. During registration, you must provide a document confirming the right to use the premises at the address of the future registered office. For foreign owners, this can be a lease agreement or a legal address service.
Is it necessary to immediately register as a VAT payer?
Not always. The need for VAT registration depends on the planned turnover, type of activity, work with EU clients, imports or exports, and other specifics of the business model. Before launching, it is worth assessing the tax burden and choosing the optimal registration option.
Why shouldn't you just add all possible CAEN codes to the company?
Activity codes affect not only formal registration but also bank compliance, contracts, obtaining permits, and further business scaling. From 2025, the CAEN Rev. 3 classifier is applied in Romania, so the list of codes is better formed according to the actual sources of income and the planned work model.
You may also need:
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Read moreOPENING A BANK ACCOUNT IN GREAT BRITAIN
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Read moreCompany Registration in the UAE
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Read morecall back
during the day
Compensation for moral, material damage
Protection of honour, dignity, and business reputationContract Development for Business and Legal Entities
Licensing of business activities
Compensation for moral, material damage
Legal services in the field of cryptocurrency and blockchain
REGISTRATION OF COMPANIES AND OPENING OF BANK ACCOUNTS
Sale and purchase of ready-made firms
Grants and attracting investment
Business registration and support in Great Britain
Business registration and support in Switzerland
Business registration and support in the EU
Business Registration and Support in the Gulf Countries (GCC)
Business registration and support in Turkey
Business registration and support in USA
Lawyer for administrative cases
Legal services for medical businesses and doctors
Protection of honour, dignity, and business reputation
Real estate transaction support
Escort of the tender participant
Trial lawyer: support and defense in court
European Court of Human Rights (ECHR)


