Working capital and investments for mid-market companies
Flexible 6-month to 3-year maturities, structuring adapted to your cash flow, standard or atypical collateral accepted.
When factoring isn't enough
For larger projects, equipment investments, or periods needing a longer financing horizon, we offer secured loans with maturities between 6 months and 3 years. Unlike factoring (tied to an invoice), the loan gives you capital for any purpose: working capital, acquisition, refinancing, restructuring.
We accept a wide range of collateral — not only real estate. Industrial equipment, inventories, commercial receivables, founder personal guarantees — all can be packaged, structured optimally to keep cost low.
Decision is faster than a traditional bank (5-10 business days for preliminary evaluation), and we adapt the repayment schedule to your business seasonality.
We accept collateral many banks refuse
Real estate
Commercial, industrial, residential (company or founder property).
Equipment
Industrial machinery, commercial vehicles, IT equipment, machine tools.
Current assets
Verifiable inventory, assigned receivables, blocked deposits, financial instruments.
Personal guarantees
Shareholder / founder guarantees for smaller amounts or to augment the package.
From first conversation to disbursement
- 01
First conversation
Call or meeting. We understand the project, objectives, risk profile, available collateral.
- 02
Preliminary term sheet
Within 5-10 days you receive term sheet with amount, rate, fees, collateral structure, conditions precedent.
- 03
Due diligence and valuations
In-depth financial analysis, collateral valuation (authorized appraiser for real estate), legal due diligence.
- 04
Signing and disbursement
Loan agreement + mortgage / assignment. Disbursement to account 1-3 days after collateral perfection.
Everything you want to know before applying
What are typical loan amounts?
Typically between RON 200,000 and EUR 5 million. Below 200k, factoring remains more efficient.
What collateral do you accept?
Real estate (residential or commercial), industrial equipment, inventory, commercial receivables (assignment), founder personal guarantees. We often combine multiple collateral types to optimally structure the loan.
How does it differ from a bank loan?
Faster decision (5-10 days vs. 30-90 at banks), more flexible payment schedule structuring (can be adapted to seasonality), accept non-standard collateral that many banks refuse, special conditions for restructuring or rapidly growing companies.
What rate do you charge?
Variable rate indexed to BNR (ROBOR or IRCC) plus a margin based on risk profile. Typically 9% to 15% p.a.
How fast can I access the funds?
From first call to disbursement: typically 2-4 weeks, depending on collateral complexity (property valuation, mortgage perfection, etc.). In urgent cases, we have delivered in 10 days.
Preliminary term sheet in 5-10 days.
Send us basic data and a brief project description. We'll schedule a call with a partner to deepen the conditions.