{"id":3124,"date":"2025-06-02T17:52:42","date_gmt":"2025-06-02T14:52:42","guid":{"rendered":"https:\/\/123credit.ro\/blog\/?p=3124"},"modified":"2025-06-02T17:52:51","modified_gmt":"2025-06-02T14:52:51","slug":"tot-ce-trebuie-sa-stii-despre-fondul-de-garantare-a-creditelor-pentru-imm","status":"publish","type":"post","link":"https:\/\/123credit.ro\/blog\/tot-ce-trebuie-sa-stii-despre-fondul-de-garantare-a-creditelor-pentru-imm\/","title":{"rendered":"Tot ce trebuie s\u0103 \u0219tii despre fondul de garantare a creditelor pentru IMM"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><b>Accesarea unui credit pentru IMM devine mult mai u\u0219oar\u0103 atunci c\u00e2nd intervine fondul de garantare, mai ales \u00een situa\u021biile \u00een care afacerea ta nu are suficiente garan\u021bii proprii pentru a convinge b\u0103ncile.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol, \u00ee\u021bi explic\u0103m ce este FNGCIMM, cum func\u021bioneaz\u0103 \u0219i cum po\u021bi beneficia de garan\u021biile oferite de stat pentru a-\u021bi sus\u021bine cre\u0219terea sau stabilizarea companiei.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Ce este fondul de garantare a creditelor pentru IMM?<\/b><\/h2>\n<p><a href=\"https:\/\/www.fngcimm.ro\/\"><span style=\"font-weight: 400;\">FNGCIMM<\/span><\/a><span style=\"font-weight: 400;\"> (Fondul Na\u021bional de Garantare a Creditelor pentru IMM-uri) este o institu\u021bie financiar\u0103 nebancar\u0103, cu capital integral de stat, care are rolul de a sprijini accesul la finan\u021bare al \u00eentreprinderilor mici \u0219i mijlocii din Rom\u00e2nia.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Acest lucru se face prin oferirea de garan\u021bii financiare c\u0103tre b\u0103ncile care acord\u0103 credite IMM-urilor, reduc\u00e2nd astfel riscul pentru institu\u021bia de credit \u0219i facilit\u00e2nd aprobarea dosarelor.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum func\u021bioneaz\u0103 fondul de garantare pentru IMM-uri<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru a \u00een\u021belege cum te poate ajuta concret fondul de garantare, este important s\u0103 vezi cum func\u021bioneaz\u0103 acest mecanism \u00een rela\u021bia cu b\u0103ncile \u0219i ce tipuri de garan\u021bii \u0219i programe sunt disponibile pentru IMM-uri.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Rolul FNGCIMM \u00een rela\u021bia cu b\u0103ncile<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">FNGCIMM colaboreaz\u0103 cu toate marile b\u0103nci comerciale din Rom\u00e2nia pentru a garanta creditele acordate IMM-urilor. Practic, statul se angajeaz\u0103 s\u0103 achite o parte din datorie \u00een cazul \u00een care firma nu \u00ee\u0219i mai poate onora obliga\u021biile.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Ce garan\u021bii ofer\u0103 \u0219i \u00een ce propor\u021bie<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Garan\u021biile oferite de fond pot acoperi p\u00e2n\u0103 la <\/span><b>80% din valoarea creditului<\/b><span style=\"font-weight: 400;\"> acordat, \u00een func\u021bie de tipul programului \u0219i de profilul afacerii. Acest sprijin este esen\u021bial pentru firmele care nu dispun de active suficiente pentru a constitui garan\u021bii reale.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Programe de finan\u021bare sus\u021binute de fondul de garantare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">FNGCIMM implementeaz\u0103 mai multe programe guvernamentale, dintre care cele mai importante sunt:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IMM Invest Plus, componenta IMM Rom\u00e2nia<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Agro IMM pentru firme din agricultur\u0103<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">IMM Prod pentru activit\u0103\u021bi productive<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Garant Construct pentru construc\u021bii \u0219i dezvoltatori<\/span><\/li>\n<li aria-level=\"1\"><b><a href=\"https:\/\/123credit.ro\/blog\/prima-casa-2025-tot-ce-trebuie-sa-stii-despre-avans-doband-si-conditii\/\"><span style=\"color: var(--awb-color5);\">Noua Cas\u0103<\/span><\/a> <\/b>(fosta Prima Cas\u0103) pentru persoane fizice (relevant indirect \u00een contextul garan\u021biilor oferite de stat)<\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">\u00cen perioada 2020 \u2013 2023, prin aceste programe, FNGCIMM a emis peste <\/span><a href=\"https:\/\/www.ceccarbusinessmagazine.ro\/fngcimm-a-acordat-garantii-de-peste-46-de-miliarde-lei-prin-imm-invest-plus\/s\/8XbuR0I7fEbwdW4jgTZa\"><span style=\"color: var(--awb-color5);\"><b>71.000 de garan\u021bii<\/b><\/span><\/a><span style=\"font-weight: 400;\"> \u00een valoare de 46,4 miliarde de lei, sus\u021bin\u00e2nd credite \u00een valoare de peste 54,8 miliarde de lei, un record european.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cine poate accesa garan\u021biile FNGCIMM<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Garan\u021biile oferite de Fondul Na\u021bional pentru IMM-uri sunt destinate sprijinirii \u00eentreprinderilor mici \u0219i mijlocii (IMM-uri) care \u00eent\u00e2mpin\u0103 dificult\u0103\u021bi \u00een ob\u021binerea finan\u021b\u0103rii din cauza lipsei garan\u021biilor suficiente. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Pentru a beneficia de aceste garan\u021bii, solicitan\u021bii trebuie s\u0103 \u00eendeplineasc\u0103 anumite <\/span><b><a href=\"https:\/\/imminvest.ro\/docs\/Intrebari-frecvente-IMM-Invest.pdf\"><span style=\"color: var(--awb-color5);\">criterii de eligibilitate<\/span><\/a> <\/b>stabilite de FNGCIMM \u0219i de institu\u021biile financiare partenere.<\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>Criterii generale de eligibilitate<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Conform informa\u021biilor disponibile pe site-ul oficial al FNGCIMM, beneficiarii eligibili sunt \u00eentreprinderile mici \u0219i mijlocii, definite potrivit Legii nr. 346\/2004 privind stimularea \u00eenfiin\u021b\u0103rii \u0219i dezvolt\u0103rii IMM-urilor, inclusiv:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Societ\u0103\u021bi comerciale<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Societ\u0103\u021bi cooperative<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Persoane fizice autorizate (PFA)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">\u00centreprinderi individuale (II) \u0219i \u00eentreprinderi familiale (IF)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Societ\u0103\u021bi agricole \u0219i cooperative agricole care desf\u0103\u0219oar\u0103 activit\u0103\u021bi economice \ufffc \ufffc<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Start-up-uri care \u00eendeplinesc condi\u021biile de eligibilitate prev\u0103zute \u00een conven\u021biile de colaborare \u00eencheiate cu finan\u021batorii. \ufffc<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Aceste entit\u0103\u021bi trebuie s\u0103 fie \u00eenregistrate \u0219i s\u0103 func\u021bioneze legal \u00een Rom\u00e2nia. De asemenea, nu trebuie s\u0103 se afle \u00eentr-o situa\u021bie dificil\u0103 financiar, insolven\u021b\u0103 sau alte situa\u021bii care le-ar putea compromite capacitatea de rambursare.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Avantajele garant\u0103rii prin fondul pentru IMM-uri<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Garantarea creditului prin intermediul fondului pentru IMM-uri vine cu o serie de beneficii concrete care pot face diferen\u021ba atunci c\u00e2nd solici\u021bi o finan\u021bare: de la accesibilitate crescut\u0103, p\u00e2n\u0103 la condi\u021bii mai avantajoase \u0219i cerin\u021be reduse de garan\u021bii.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Acces mai facil la finan\u021bare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Prin reducerea riscului pentru b\u0103nci, IMM-urile au \u0219anse mai mari s\u0103 ob\u021bin\u0103 un credit chiar \u0219i \u00een lipsa unor garan\u021bii solide proprii.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Cerin\u021be reduse de garan\u021bii proprii<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen loc s\u0103 ipotechezi o cl\u0103dire sau s\u0103 aduci bunuri personale drept garan\u021bie, po\u021bi beneficia de garan\u021bia emis\u0103 de stat prin FNGCIMM.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Condi\u021bii mai avantajoase<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">\u00cen multe cazuri, creditele garantate beneficiaz\u0103 de dob\u00e2nzi mai mici, perioade de gra\u021bie extinse sau plafon mai mare dec\u00e2t \u00een cazul creditelor clasice.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Cum aplici pentru un credit garantat de fondul de garantare<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Pentru a accesa un astfel de credit, ai dou\u0103 op\u021biuni:<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<ol>\n<li aria-level=\"1\"><span style=\"font-weight: 400;\">Direct la o <\/span><a href=\"https:\/\/www.fngcimm.ro\/banci-partenere\/banci-partenere-garantii-imm\"><span style=\"color: var(--awb-color5);\"><b>banc\u0103 partener\u0103<\/b><\/span><\/a><span style=\"font-weight: 400;\">, care va trimite dosarul t\u0103u spre aprobare c\u0103tre FNGCIMM.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Prin intermediul unui broker de credite, care te poate ghida \u00een alegerea celei mai bune solu\u021bii \u0219i \u00een preg\u0103tirea documentelor.<\/span><\/li>\n<\/ol>\n<p><b><a href=\"http:\/\/123credit.ro\"><span style=\"color: var(--awb-color5);\">Platforma 123credit.ro<\/span><\/a> <\/b>\u00ee\u021bi ofer\u0103 acces rapid la cele mai bune op\u021biuni de creditare, iar speciali\u0219tii no\u0219tri te pot ajuta gratuit cu tot procesul: de la selec\u021bie \u0219i simul\u0103ri p\u00e2n\u0103 la depunerea dosarului \u0219i ob\u021binerea aprob\u0103rii.<\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Fondul de garantare a creditelor pentru IMM este un sprijin real pentru antreprenorii rom\u00e2ni care au nevoie de finan\u021bare, dar nu dispun de garan\u021bii suficiente. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Cu ajutorul programelor guvernamentale implementate prin FNGCIMM \u0219i cu \u00eendrumarea potrivit\u0103, po\u021bi accesa capitalul necesar pentru dezvoltarea afacerii tale \u00een condi\u021bii avantajoase.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 afli ce tip de garan\u021bie \u021bi se potrive\u0219te sau ce program este activ \u00een prezent, <\/span><a href=\"https:\/\/123credit.ro\/contact\"><span style=\"color: var(--awb-color5);\"><b>contacteaz\u0103 echipa noastr\u0103<\/b><\/span><\/a><span style=\"font-weight: 400;\"> pentru consultan\u021b\u0103 gratuit\u0103 \u0219i solu\u021bii personalizate.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Ce este fondul de garantare a creditelor pentru IMM?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Este un mecanism prin care statul garanteaz\u0103 o parte din valoarea creditului acordat unei firme, pentru a facilita accesul la finan\u021bare.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Cine poate beneficia de garan\u021biile FNGCIMM?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">IMM-urile din Rom\u00e2nia care aplic\u0103 pentru credite prin b\u0103ncile partenere \u0219i \u00eendeplinesc condi\u021biile programului activ.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Ce valoare acoper\u0103 fondul de garantare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">P\u00e2n\u0103 la 80% din valoarea creditului, \u00een func\u021bie de program \u0219i de profilul solicitantului.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Cum aplic pentru un credit garantat de stat?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Po\u021bi aplica direct prin banc\u0103 sau cu ajutorul unei platforme specializate precum 123credit.ro, care te asist\u0103 gratuit.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>5. Care sunt avantajele fa\u021b\u0103 de un credit clasic?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Garan\u021bii mai pu\u021bine din partea ta, \u0219anse mai mari de aprobare \u0219i uneori condi\u021bii mai avantajoase de dob\u00e2nd\u0103 sau rambursare.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 4<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":3126,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[1],"tags":[],"class_list":["post-3124","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-cum-alegi-credit-ipotecar"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Tot ce trebuie s\u0103 \u0219tii despre fondul de garantare a creditelor pentru IMM - Blogul 123Credit<\/title>\n<meta name=\"description\" content=\"Fondul de garantare a creditelor pentru IMM \u00ee\u021bi poate debloca accesul la finan\u021bare. 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