Answers to the most frequent questions
If you can't find your answer here, write to us or call directly. We respond with a concrete answer within 2 business days.
About Energy Capital Finance
What is Energy Capital Finance?
We are a non-banking financial institution (NBFI) regulated by BNR, dedicated to financing small and mid-sized Romanian companies. We offer domestic factoring and secured loans.
Are you regulated?
Yes. We are registered in the BNR General Register for Non-Banking Financial Institutions. The registration number is displayed in the footer and on the 'About' page.
How fast do I get a decision?
For factoring: up to 5 business days. For secured loans: 5-10 days for preliminary term sheet.
What amounts do you work with?
Factoring: RON 50,000 - EUR 2M per line. Loans: RON 200,000 - EUR 5M per file.
About domestic factoring
What documents are needed for factoring?
Last 2 years' financial statements, recent trial balance, list of invoices to finance with debtor details, contracts with debtors (if any).
Do you offer non-recourse factoring?
Yes, depending on debtor risk profile. Cost is higher than recourse factoring but protects you fully from default.
Do you handle international invoices?
We currently cover only domestic factoring (Romanian debtors). International is on the 2026-2027 roadmap.
About secured loans
What collateral do you accept for loans?
Real estate, industrial equipment, verifiable inventory, assigned receivables, founder personal guarantees. We combine multiple types for optimal structuring.
What is the loan rate?
Variable, indexed to BNR (ROBOR or IRCC) plus a risk-based margin. Typically 9-15% p.a.
Can I prepay?
Depends on loan structure — for standard loans, yes, against a small residual fee. For subordinated, no.
Write or call directly.
Customer relations team responds within 2 business days. For urgent cases, call directly at +40 773 887 756.