In the seven months since the instrument was launched, BRD has provided financing to more than 200 small and medium-sized enterprises in Romania through BID-guaranteed solutions. This uptake highlights entrepreneurs' interest in tools that ease access to credit and support development projects tailored to each company's profile.
“Accesul la finanțare este esențial pentru dezvoltarea unei companii, dar la fel de importante sunt flexibilitatea și soluțiile adaptate nevoilor fiecărei afaceri. Cele peste 200 de IMM-uri finanțate ne confirmă că acest instrument răspunde unei nevoi reale din piață. Împreună cu BID, oferim antreprenorilor mai multe opțiuni pentru a-și transforma planurile în investiții și pentru a-și dezvolta afacerile pe termen lung”, said Lidia Capmare, Director Departament Fonduri Europene, Programe Naționale și Parteneriate (EUNAT), BRD Groupe Société Générale.
“Susținerea IMM-urilor este o prioritate strategică pentru BID, iar instrumentele noastre trebuie să țină pasul cu nevoile antreprenorilor. De aceea, împreună cu băncile partenere, am adaptat convențiile pentru a susține mai bine și activitatea curentă, și investițiile companiilor. Prin revizuirea parteneriatului cu BRD, antreprenorii au la dispoziție linii de credit revolving pentru cheltuielile curente și garanții de până la 80% pentru anumite categorii de credite. Beneficiul garanției BID se transferă integral IMM-ului, prin reducerea costului total al finanțării. Pentru antreprenori, aceasta înseamnă mai multă flexibilitate în accesarea de finanțări pe care le pot îndrepta către dezvoltarea afacerii”, said Teodora Petre, Director Aria Comercial, Banca de Investiții și Dezvoltare.
The additional act allows eligible SMEs to use financing for both investment projects and working capital, including revolving facilities tailored to the dynamics of their operations and cash flows.
Financing can support the purchase of equipment and machinery, software solutions, production spaces, modernization works and increases in operational capacity. For current needs, companies may finance the purchase of raw materials and goods, inventory management and other expenses necessary for carrying out their activities.
easier access to financing through reduced need for complementary guarantees;
solutions for investments and working capital, including revolving facilities;
financing terms adapted to the project, company profile and cash flows;
financial benefit reflected in the cost of financing, according to the guarantee mechanism;
The more than 200 SMEs financed in the first seven months since the instrument's launch confirm the relevance of the solution for Romanian companies. The portfolio shows sectoral, geographic and beneficiary-profile diversification, with the main financed sectors being construction, including road and highway construction, furniture manufacturing and trade, and road freight transport.
From a geographic perspective, the North-East Region ranks first, followed by the West Region and Bucharest-Ilfov. The portfolio includes beneficiaries of varying sizes.
At the same time, the financed projects comply with the “Do No Significant Harm” (DNSH) principle, which ensures supported activities do not cause significant harm to environmental objectives. Integrating this criterion into the financing process aligns with BRD's strategy to support companies' transition to more sustainable business models and, over the longer term, the shift to a lower-carbon economy.
By extending the Convention, BRD aims to make the BID guarantee more accessible to entrepreneurs who invest, expand production capacity or need liquidity for current operations. Financing is available to eligible SMEs and is granted following BRD's assessment, in compliance with the program's criteria and the applicable framework.
Through this partnership, BRD and BID support turning entrepreneurial plans into investments with lasting economic impact.
BRD – Groupe Société Générale operates a network of 334 units. At the end of June 2026, the bank's total assets amounted to 96.3 billion lei.
BRD is part of the Société Générale Group, present for more than 160 years, with around 110,000 employees in 58 countries and over 27 million clients worldwide. The group's activity is structured around three complementary business lines that include ESG solutions and offers for all client categories:
• Retail Banking in France, private banking and insurance;
• Global Banking and investor solutions;
• Mobility, international retail banking and financial services
