CEC Bank participates in the SME Eco-Tech Program, a support scheme dedicated to small and medium-sized enterprises in the manufacturing sector, aimed at financing green and digital investments. The program is implemented by the Ministry of Economy, Digitalization, Entrepreneurship and Tourism and is supported through Switzerland’s second contribution to Romania.

The total budget of the program is RON 288.8 million, of which 70% represents the contribution of the Swiss Confederation. The scheme is designed to modernize SMEs, with a focus on improving competitiveness, energy efficiency, and reducing environmental impact.

Combined Financing Structure for Investment Projects

Grant Support and Bank Loans

Eligible companies can access non-reimbursable funding of up to RON 267,240, representing a maximum of 40% of eligible costs. The remaining minimum 60% is covered through co-financing, including investment loans provided by partner banks such as CEC Bank.

The minimum project value is RON 668,100, and implementation must be completed within up to 12 months from the signing of the financing agreement.

CEC Bank Lending Conditions

CEC Bank offers SMEs co-financing loans structured for investment needs: interest rate ROBOR 6M + 3.50% per year, loan maturity of up to 60 months, and a grace period of up to 12 months. During this period, beneficiaries pay only the interest on the drawn amounts.

The bank applies a 0.5% analysis fee and a 1% disbursement fee, while early repayment is free of charge. No additional costs are charged for collateral revaluation or loan restructuring.

Program Aimed at Modernizing the Manufacturing Sector

The SME Eco-Tech program targets SMEs in the manufacturing industry investing in process digitalization, resource efficiency, and reduced environmental footprint.

According to official data, the financing scheme is expected to support at least 800 companies. In this context, CEC Bank encourages entrepreneurs to access the dedicated platform and use the lending component to implement their investment projects.