SME Eco‑Tech: financing for the investments your business needs
If you have a business and are thinking about investments in efficiency, digitization or more advanced technologies, you are probably facing the same challenge as many entrepreneurs: you need resources to grow, but investments can put pressure on cash flow.
SME Eco‑Tech is a program that can help you make these investments more easily, through a combination of grant and bank financing.
How it works, briefly
The program combines two things:
a part of the money you receive non-refundable (grant)
you finance the rest through credit
Concretely, up to 40% of the investment can be covered by a grant (within the limit of 267,240 lei), and at least 60% through an investment loan.
What investments can you make ?
The program is intended for investments that contribute to the modernization, streamlining, and digitization of businesses. You can invest in:
energy efficient equipment or renewable energy
modern production and automation solutions
digitization, IT and process optimization
You can also include classic equipment, as long as your project maintains the direction of modernization and efficiency.
Why is it worth considering the SME Eco-Tech program?
In the short term, it helps you that you don't have to fully cover the investment with your own money.
In the medium and long term, the gain is in efficiency: lower costs, faster processes, and fewer operational blockages.
And, perhaps most importantly, you remain competitive. Because in production, the difference is made exactly by investments made on time.
What does the credit consist of
For the financing part, we are talking about an investment loan that covers a minimum of 60% of the project.
The minimum value is 400,860 lei, and the interest is variable (ROBOR 6M + up to 3.5%). The loan is designed to support your investment implementation, without putting immediate pressure on the business.
Good to know before applying
The application in the program is done online, on the Ministry's website, and the deadline is July 24, 2026.
After you register, you can apply for the financing part through BT, directly from the dedicated form.
If you have to make the investment, it's better to do it with support.
SME Eco‑Tech does not change your plan, but makes it easier to carry.
