FAQ

Mikro Kapital can grant you a loan if your company has been operating for at least 3 months. We finance a wide range of businesses, including SRL, PFA, II (sole proprietorships), liberal professions (notaries, lawyers, etc.), and IF (family businesses/associations). Additionally, we offer loans to individuals engaged in economic activities, such as agricultural producers

The repayment period depends on the purpose of the loan. Mikro Kapital offers financing for up to 84 months (7 years) for investment loans.

The maximum loan amount provided by Mikro Kapital is 750,000 RON.

Mikro Kapital offers loans for a variety of purposes to entrepreneurs, farmers, and individuals engaged in economic activities. Depending on the beneficiary, loans can serve different needs.

Business Loans:

Working Capital Loans:
– Financing for inventory purchases
– Loans for supplier payments
– Loans for salary payments and taxes
– Refinancing of working capital loans from other institutions

Investment Loans:
– Auto financing for business vehicles
– Loans for machinery and equipment acquisition
– Loans for real estate purchases
– Loans for office or business space setup
– Refinancing of investment loans from other institutions

Flexible Loans (Mixed-Purpose):
– A combination of working capital and investment loans to meet business needs

Agricultural Loans:

Working Capital Loans:
– Financing for seeds, fertilizers, herbicides, and fungicides
– Loans for supplier payments
– Loans for salary payments and taxes
– Refinancing of agricultural working capital loans from other institutions

Investment Loans:
– Loans for agricultural machinery acquisition
– Financing for farmland, warehouses, and storage facilities
– Loans for greenhouses, barns, and storage buildings
– Loans for livestock acquisition
– Loans for irrigation systems
– Refinancing of agricultural investment loans from other institutions

Flexible Loans (Mixed-Purpose):
– A combination of working capital and investment loans tailored to agricultural needs

Mikro Kapital offers loans to businesses from any industry, with the exception of those listed in the exclusion criteria. Therefore, we can finance any business activity that complies with the laws of Romania.

Mikro Kapital offers flexible repayment options tailored to the nature of your business. You can choose between a classic monthly payment plan or a seasonal one.

For instance, if your business has irregular cash flow, we can provide a flexible repayment schedule, allowing you to pay based on the seasonality of your business. This type of repayment plan is particularly convenient for farmers and agricultural businesses whose operations are season-dependent.

A few documents are required to complete a loan application. The necessary documents depend on the type of business, as outlined below:

For agricultural producers: – Copy of the identity card of the applicant and spouse (if applicable); – ROL certificate from the local council; – APIA statement; – Other documents needed for analysis (depending on the situation).

For P.F.A., I.I., and I.F. (sole proprietorships, individual enterprises, family businesses), the required documents are: – Copy of the identity card of the applicant/members and spouse (if applicable); – Registration resolution; – Legal documents for the sole proprietorship; – Any other documents necessary for analysis (depending on the situation).

For S.R.L. and S.A. (limited liability companies and joint-stock companies), the following documents are required: – Copy of the identity card of the administrator/shareholders and spouse (if applicable); – The first constitutive act, along with the resolution; – Legal documents for the company; – Any other documents necessary for analysis.

Mikro Kapital offers loans with flexible collateral, depending on each individual case. After analyzing the loan application, the required type of collateral is determined. Generally, the collateral requested by Mikro Kapital varies depending on the loan amount, the financing period, the business analysis, and the credit history.

In general, loans of up to 125,000 RON can be approved without requiring collateral for movable or immovable property, provided certain conditions are met.

At Mikro Kapital, no advance payment is required, unlike with some banks. Mikro Kapital can fully finance the investment covered by the loan.