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For private investors

Romanian private capital, fixed return 11.5–12.5% p.a.

Energy Capital Finance is raising EUR 15 million in tranches over 2026-2029, to expand its NBFI portfolio. Fixed return indexed to BNR, semi-annual payment, minimum ticket EUR 500,000.

2025 track record

Confirmed financial indicators

26.5%
Net profitability
56.6%
General solvency — above BNR threshold
5.18%
ROE — return on equity
2.9×
Capital turnover per year
Offer terms

Two maturities, transparent conditions

3-year maturity
11.5%
p.a. annual rate
BNR rate + 5% margin
5-year maturity
12.5%
p.a. annual rate
BNR rate + 6% margin
Minimum ticket
€500.000
minimum subscription
RON, EUR equivalent at BNR rate on subscription date
Funding currency
RON
Interest payment
Semi-annual
Subordination
Yes
Early repayment
N/A
Available documentation

Essential materials, on request

All documents are protected by email form and NDA. Send your request and we'll come back with download links within 24h.

Capital raise memorandum

Complete 13-page document with business model, KPIs, 2026-2029 strategy, offer terms and team. Mandatory starting point.

Audited financial statements

Balance sheet + P&L + cash-flow for the prior reporting year, audited by a Big4 firm.

Quarterly portfolio report

Portfolio composition, default rates, reserves, prudential indicators — quarterly reports after subscription.

2026-2029 growth strategy

Detailed plan for portfolio expansion, target clients, geography, KPIs to monitor. Coherent with the memorandum.

Credit risk policy

ECF internal standards for client selection, scoring, collateral, monitoring. Available on request under NDA.

BNR report (extract)

Most recent reports submitted to BNR (extract for publicly relevant parts).

Step 1

Initial discussion with leadership team.

Send us a brief note with your investor profile (indicative allocation, horizon, special conditions). We'll schedule a call with Diana or Rodica within 5 business days.