Interest and instalments due to provisions of our contractual documents can be paid in two ways:

• In cash by depositing the necessary amount into Energy Capital Finance (ECF IFN) bank accounts. The payment details mandatorily consist in Fiscal identification Number (VAT ID) and the loan agreement number.
• By bank transfer to ECF IFN accounts via payment order, with the “Payment details” section consisting the information on loan agreement number and Fiscal identification Number (VAT ID).

Yes. Partial or full repayment is allowed and likewise leads to interest recalculation on the remaining balance (for partial repayments), which optimizes your financing costs.

Interest is daily designed on your outstanding loan balance, so reducing the balance through early repayment lowers the interest charged.

First, your company must be established by Romanian Law 31/1990.

You can attain financing from us if you have:

• A company heading at least one year of business activity — whether an LLC, sole proprietorship, individual enterprise (II), liberal profession (notary, lawyer, etc.) or family business/association.
• A newly incorporated company (3 months minimum) – Greenfield type set for investment project.

Your company's sector does not matter to us. We finance various businesses that need financial support for growth or to overcome cash flow shortfalls.

Whatever your business needs, it can be financed – whether purchasing goods or services, paying salaries/taxes to the state budget, or investing in equipment, buildings or IT.

Identify your need for financial support in your operations flow and let's discuss an option that works for you.

We set the repayment schedule together based on your activity.

In practice, we can use:

• a classic schedule with equal monthly instalments over the full financing period
• a schedule with unequal instalments depending on how your cash in flows.
• a seasonal schedule if your activity is seasonal (e.g. agriculture or tourism)
• a repayment schedule that includes a grace period on instalments if we finance an activity that will generate revenue later — during the grace period you only pay interest