FACTORING

  • For investment loans for a period of 10 years, please contact us

    • 0.00LeiLei

    *Monthly rate

    Do you want a quick loan?

    • * The monthly rate is made up of principal and interest and was calculated with an interest rate of 2.5%/month.
    • The interest rate and repayment method are negotiable.
    • The present information is indicative and has NO contractual value.

    For a personal loan with real estate guarantee in the amount of 10,000 lei for a period of 12 months, you have a fixed interest rate – 30% per year, monthly rate – 9774.87 lei, APR 34.62%, and the total amount to be paid is 11,698.44 lei.

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    WHY CHOOSE IFN FACTORING?

    We offer you a financing option for the current activity and shortening the payment terms from customers.

    At the same time, through access to an additional source of cash-flow, commercial agreements with suppliers and the prices charged by them can be negotiated, maximizing profit.

    By accepting both payment effects and invoices for financing, all types of commercial relationships are eligible for financing.

    This financing represents a very important support for companies that, for various reasons, are not eligible for financing in the banking system (companies with a weak financial situation, companies in insolvency, companies with arrears in repayment of outstanding loans, which register CIP incidents, etc.) , all of which are not excluded following the application of the eligibility criteria.

    WHAT ARE THE ADVANTAGES OF THE IFN FACTORING ?

    Fast financial approval – confirmation of the eligibility of the proposed assigned debtor.
    Adaptation of the financing solution to the commercial agreement between the partners – financing is ensured for the payment option based on the invoice as well as through BO/CEC.

    The granting of uses within 48 hours from the presentation of the necessary documentation for these operations.
    Eligible customers are both companies with a good financial situation and very good payment behavior, as well as companies that for various reasons are not eligible for financing in the banking system (companies with a weak financial situation, companies in insolvency, companies with repayment arrears outstanding credits, which register CIP incidents, etc.).

    WHAT DOCUMENTS ARE REQUIRED?

    • The last two annual accounting balances, approved by the authorized bodies and the last verification balance concluded by the company, but not older than 2 months;
    • The commercial contracts concluded with the proposed assigned debtors – where they exist;
    • Verification certificate, with a maximum of 30 days;
    • The legal documents of establishment and the registration certificate;
    • The AGM decision approving the conditions for approving the factoring/discounting ceiling/the guarantees necessary for the approval of the factoring/discounting ceiling;
    • Special power of attorney for signing the contract (if the contract is not signed by the administrator/administrators of the company);
    • Identity card/electronic identity card/provisional identity card/identity card for the administrators/associates of the company, as well as for the guarantor/guarantors;
    • Documents attesting to civil status (marriage certificate, death certificate, divorce decree, divorce certificate, etc.) for the administrators/associates of the company, as well as for the guarantor/guarantors;
    • The property title on the basis of which the guarantor acquired the title of owner (sale purchase contract, heir’s certificate, donation contract, building permit and report on the completion of the works, etc.) – in the case of the establishment of real estate guarantees;
    • The conclusion of the tabulation of the property right – in the case of the establishment of real estate guarantees;
    • The cadastral documentation, respectively the survey, the technical file of the building, the file of the property body approved by the Office of Cadastre and Real Estate Advertising – in the case of the establishment of real estate guarantees;
    • Urban planning certificate attesting that the land is free of constructions and the destination of the land – in the case of setting up real estate guarantees;
    • Information/authentication land deed extract – in the case of setting up real estate guarantees;
    • Fiscal attestation certificate;
    • Mandatory and optional insurance policies assigned in favor of Easy Credit 4 ALL IFN SA – in the case of real estate guarantees;
    • Any other documents requested by Easy Credit 4 ALL IFN SA in order to grant the factoring/discounting ceiling (association certificate, income documents, addresses, etc.).

    WHAT ARE THE GUARANTEES YOU NEED?

    • Movable mortgage on the documents on the basis of which the financing is granted (invoices/BO/CECs).
    • Assignment of the documents on the basis of which the financing is granted (invoices/BO/CECs) – with notification of the assigned debtor.
    • Movable mortgage on the commercial contract in which the documents are issued on the basis of which the financing is granted (invoices/BO/CECs) – with the notification of the assigned debtor.
    • Assignment of the commercial contract in which the documents are issued on the basis of which the financing is granted (invoices/BO/CECs) – with notification of the assigned debtor.
    • Movable mortgage – the universality of movable assets and present and future claims.
    • Affidavit signed by the administrator and his/her spouse (any derogation will be approved by the management of EASY CREDIT 4 ALL IFN SA).
    • The insurance policy on the goods that constitute a guarantee for the loan granted.
    • 2 B.O. in white endorsed (any derogation will be approved by the management of EASY CREDIT 4 ALL IFN SA).
    • Other guarantees.

    WHAT ARE THE COSTS OF THE FACTORING CEILING?

    EASY CREDIT 4 ALL IFN S.A. charges transparent interest rates adapted to each client’s request.

    The mode of payment of the costs will be agreed by EASY CREDIT 4 ALL IFN S.A. together with the client.

    Frequent questions

    Useful information for natural person consumers about Acceptance of consumer credit with real estate guarantee

    You can borrow amounts between 7,000 and 1,000,000 lei, mainly depending on your ability to repay (being in the maximum degree of indebtedness) and the valuation of the property proposed as collateral.

    Loans with a real estate guarantee are offered to people who cumulatively meet the following criteria:

    – Minimum age 18 years

    – The applicant/co-debtor provides proof of obtaining eligible incomes, which shows the ability to repay the loan and related payment obligations;

    – Present a building to guarantee the loan (property of the applicant or another person who will have the capacity of guarantor);

    Yes, we offer flexible credit solutions for people registered in the Credit Bureau.

    After you have sent the request, the initial approval is received in 48 hours, depending on the number of requests and the documents provided.

    Yes. If you have several loans for personal needs and managing them is difficult or you want to get an additional amount of money by refinancing active loans.

    You just have to fill out the contact form and we will call you as soon as possible.

    Simple and Fast

    Do you have questions?
    Apply Now!

    • Access the Frequently Asked Questions section

    We are here for you, whenever you need help

    Operating program

    Monday-Friday: 09:00 - 17:00

    Call at

    031 438 20 50
    0751 565 565
    (call with normal rate)

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    Apply now and you will be called as soon as possible.

    Information

    See our section with frequently asked questions or write to us at contact@easycredit.ro

    Easy Credit provides its customers with advantageous, fast and flexible credit services, easy to obtain both for individuals and legal entities.
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