A non-banking financial institution dedicated to Romanian SMEs
Energy Capital Finance is an NBFI registered with the National Bank of Romania (BNR), 100% privately capitalized, with exclusive focus on financing companies active in Romania's real economy.
Capitalizing Romania's real economy
Small and medium enterprises represent over 99% of Romania's economy. Many are financially healthy but underserved by traditional banks that avoid exposures below a certain threshold, refuse atypical collateral, and process files in weeks or months. Energy Capital Finance occupies exactly this space — with products built for speed, flexibility, and depth of relationship.
Why ECF
Fast decisions
Up to 5 business days for factoring, 5-10 days for secured loans. At a traditional bank, expect 30+ days.
Flexible structuring
We accept non-standard collateral and adapt the payment schedule to your business seasonality. Banks are rigid; we're not.
Local expertise
Our team has worked decades in BNR, BCR, Raiffeisen, OTP, EXIM Bank. We know the Romanian economy from the inside.
Financial discipline
Rigorous client selection, firm collateral, active risk management — proven by consistent profitability since launch.
Registered with BNR
Energy Capital Finance is registered in the BNR General Register for Non-Banking Financial Institutions, under number RG-PJR-XX-XXXXXX. We are subject to BNR regulations under Law 93/2009 and report periodically to the supervisory authority.
We have formal internal policies for AML/KYC, GDPR, credit risk management, financial reporting. External financial audit scheduled annually.
Proven track record
The Energy Capital Finance team was trained at Romania's largest financial and legal institutions.
Initial discussion commits you to nothing.
Send us your basics, we'll schedule a call with a partner, see if there's chemistry before you invest time in the dossier.