Financing products

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UniCredit Bank supports the beneficiaries of non-refundable financing through:

  • Varied and flexible products
  • Experience in financing European projects with a non-refundable component (pre and post accession)
  • Experience in advising clients who want to access non-refundable funds
  • The team of specialists in the field of non-reimbursable European funds, who will be with you at all stages of the project, from submission, implementation, to monitoring its results
  • Partnerships developed with guarantee funds
  • Partnerships developed with management authorities (e.g. MADR, AM POS CCE), coordination authorities of financing programs (e.g. ACIS)
  • Partnerships developed with consulting firms that have developed successful projects

 

Description

  • It is given to potential beneficiaries of non-refundable funds to demonstrate the financial capacity to support the project
  • It is granted following an analysis carried out in accordance with the bank's internal procedures and in accordance with the legislation in force

 

Benefits

  • Covered value: maximum value of co-financing / co-financing + ineligible expenses
  • Validity: depending on the financing program



Documents specific to European funding

  • The application for financing submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Notification of project acceptance, as the case may be

 

Description

  • It is granted to demonstrate the ability to repay the pre-financing/advance by the beneficiary
  • It is granted for the amount of the pre-financing/advance, requested by the beneficiary
  • It is granted to the beneficiaries of European funds, eligible for one of the financing programs, following an analysis carried out in accordance with the internal procedures of the bank and in accordance with the legislation in force


Benefits

  • SGB ​​value: maximum 100% or 110% of the pre-financing/advance value, depending on the financing program
  • Advance amount: maximum 35%, 40% or 50% of the non-refundable amount, depending on the financing program
  • Currency: LEI
  • Validity: maximum 3 months after the completion of the project
  • Guarantees: guarantees can be set up in the form of pledges or mortgages on the fixed assets that are the subject of the contract/decision/financing order



Documents specific to European funding

 

  • The financing application submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Project acceptance notification/Financing contract concluded between the beneficiary and the management authority/responsible intermediate body, together with all additional documents
  • Documents relating to the status of project purchases (e.g. approval sheets, etc.)
  • The schedule for submitting reimbursement requests
  • Progress reports

Description

  • It ensures the necessary financing until the time of collection of the non-refundable amounts from the authorities
  • It is granted to the beneficiaries of European funds, eligible for one of the financing programs following an analysis carried out in accordance with the internal procedures of the bank and in accordance with the legislation in force
  • Exclusively for the non-refundable part


Benefits

  • Value: maximum 100% of the non-refundable financing
  • Currency: LEI, EUR
  • Validity: maximum 3 months after the completion of the project
  • Guarantees: guarantees can be set up in the form of pledges or mortgages on the fixed assets that are the subject of the contract/decision/financing order


Documents specific to European funding

  • The financing application submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Project acceptance notification/Financing contract concluded between the beneficiary and the management authority/responsible intermediate body, together with all additional documents
  • Documents relating to the status of project purchases (e.g. approval sheets, etc.)
  • The schedule for submitting reimbursement requests
  • Progress reports

Description

  • It is granted to ensure the co-financing of the project
  • It is granted to the beneficiaries of European funds, eligible for one of the financing programs, following an analysis carried out in accordance with the internal procedures of the bank and in accordance with the legislation in force

Benefits

  • Value: it is determined according to the structure of eligible expenses and the category of the applicant
  • Currency: LEI, EUR
  • Validity: maximum 10 years from the date of credit approval
  • Guarantees: guarantees can be set up in the form of pledges or mortgages on the fixed assets that are the subject of the contract/decision/financing order


Documents specific to European funding

  • The financing application submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Project acceptance notification/Financing contract concluded between the beneficiary and the management authority/responsible intermediate body, together with all additional documents
  • Documents relating to the status of project purchases (e.g. approval sheets, etc.)
  • The schedule for submitting reimbursement requests
  • Progress reports

Facilities for ineligible expenses, including VAT:

Description

  • It is granted proportionally to the value of the VAT related to the project
  • The loan works in the form of a financing line
  • Reimbursement of the line for VAT coverage is made according to the recoveries from the state budget

Benefits

  • You can get financing for an ineligible expense
  • Both the VAT related to eligible expenses and the VAT related to non-eligible expenses are financed
  • Value: maximum 100% of the VAT value of the project
  • Currency: LEI, EUR
  • Validity: maximum 3 months after the completion of the project
  • Guarantees: guarantees can be set up in the form of pledges or mortgages on the fixed assets that are the subject of the contract/decision/financing order

Documents specific to European funding

  • The financing application submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Project acceptance notification/Financing contract concluded between the beneficiary and the management authority/responsible intermediate body, together with all additional documents
  • Documents relating to the status of project purchases (e.g. approval sheets, etc.)
  • The schedule for submitting reimbursement requests
  • Progress reports

Description

  • The credit works in the form of a credit for general expenses
  • The credit line has multiple destinations, including VAT financing

Benefits

  • Different categories of ineligible expenses are financed
  • Both the VAT related to eligible expenses and the VAT related to non-eligible expenses are financed
  • Value: maximum 85% of the value of ineligible expenses
  • Currency: LEI, EUR
  • Validity: maximum 12 months, revolving
  • Guarantees: guarantees can be set up in the form of pledges or mortgages on the fixed assets that are the subject of the contract/decision/financing order, both for PNDR and for SOP Increasing Economic Competitiveness, Regional Operational Program, SOP Human Resources Development, etc.

Documents specific to European funding

  • The financing application submitted to the management authority/intermediate bodies, together with the related annexes (feasibility study/supporting memorandum, other annexes, etc.)
  • Project acceptance notification/Financing contract concluded between the beneficiary and the management authority/responsible intermediate body, together with all additional documents
  • Documents relating to the status of project purchases (e.g. approval sheets, etc.)
  • The schedule for submitting reimbursement requests
  • Progress reports

 

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