We want to grow with investments in tangible assets (land, production hall, etc). Is this type of credit suitable?

In terms of use, tangible assets are eligible for financing through investment loans under OPIIMM. However, there is a condition thatthe value of the land cannot be more than 10% of the total loan amount.

But enough of the reluctance, we think it's time to move on to the benefits. 😊

It's good to know that the major advantage of the POIIMM is the 60% loan-to-value guarantee received from the European Investment Fund (EIF). In addition, through this programme you also receive an interest rate rebate in line with your financial profile. 

At the same time, the duration of the investment loan (either LEI or EURO) can be up to 120 months. Naturally, an investment in tangible assets brings growth to your business, which by implication requires financing. In addition to the investment loan, we can and recommend access to working capital financing, which can also be granted through the POIIMM. 

Last but not least, you should take into account the need for equipping the hall, because in the assessment we look at the projects in their entirety. 

In our other major financing programme (loans from EIB sources), we don't have that 10% maximum limitation (land), but the advantage is a more competitive price coupled with easier access in terms of requirements (no guarantee component) 😉