{"id":128,"date":"2024-11-19T20:48:46","date_gmt":"2024-11-19T20:48:46","guid":{"rendered":"http:\/\/localhost:10114\/?page_id=128"},"modified":"2026-06-04T11:24:44","modified_gmt":"2026-06-04T09:24:44","slug":"faq","status":"publish","type":"page","link":"https:\/\/energy-capital.eu\/en\/faq\/","title":{"rendered":"FAQ"},"content":{"rendered":"<section class=\"section\" id=\"section_2110094069\">\n\t\t<div class=\"section-bg fill\" >\n\t\t\t\t\t\t\t\t\t\n\t\t\t\n\n\t\t<\/div>\n\n\t\t\n\n\t\t<div class=\"section-content relative\">\n\t\t\t\n\n<div class=\"row row-small align-equal\"  id=\"row-897724676\">\n\n\n\t<div id=\"col-1655620368\" class=\"col medium-5 small-12 large-5\"  >\n\t\t\t\t<div class=\"col-inner text-left\"  >\n\t\t\t\n\t\t\t\n\n\t<div id=\"stack-3517540599\" class=\"stack stack-col justify-start items-stretch\">\n\t\t\n\n\t<div id=\"stack-420049841\" class=\"stack stack-col justify-start items-stretch\">\n\t\t\n\n\t<div id=\"text-3273937304\" class=\"text\">\n\t\t\n\n<h2>Questions Recurrently asked<\/h2>\n\t\t\n<style>\n#text-3273937304 {\n  font-size: 2.05rem;\n}\n@media (min-width:550px) {\n  #text-3273937304 {\n    font-size: 1.7rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\n\t\t\n<style>\n#stack-420049841 > * {\n  --stack-gap: 1rem;\n}\n<\/style>\n\t<\/div>\n\t\n\t<div id=\"stack-1229197379\" class=\"stack stack-col justify-start items-stretch\">\n\t\t\n\n\t<div id=\"text-231729293\" class=\"text\">\n\t\t\n\n<p><span style=\"color: #6b6f76;\">If you didn't find the right answer, please write to us at<\/span><span style=\"text-decoration: underline;\"> <a href=\"#\">office@energy-capital.eu<\/a><\/span><\/p>\n\t\t\t<\/div>\n\t\n\n\t\t\n<style>\n#stack-1229197379 > * {\n  --stack-gap: 0rem;\n}\n<\/style>\n\t<\/div>\n\t\n\n\t\t\n<style>\n#stack-3517540599 > * {\n  --stack-gap: 2rem;\n}\n@media (min-width:550px) {\n  #stack-3517540599 > * {\n    --stack-gap: 16rem;\n  }\n}\n<\/style>\n\t<\/div>\n\t\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\t<div id=\"col-14030145\" class=\"col medium-7 small-12 large-7\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<div class=\"accordion\">\n\n\t<div id=\"accordion-3749652514\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-3749652514-label\" class=\"accordion-title plain active\" href=\"#accordion-item-cum-se-ramburseaz\u0103-dob\u00e2nda-\u0219i-ratele-lunare?\" aria-expanded=\"true\" aria-controls=\"accordion-3749652514-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>How about the repayment mechanism of monthly  interest and instalments?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-3749652514-content\" class=\"accordion-inner\" style=\"display: block;\" aria-labelledby=\"accordion-3749652514-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-1312365395\">\n\n\n\t<div id=\"col-1918569883\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"font-weight: 400; text-align: justify;\">Interest and instalments  due to provisions of our  contractual documents  can be paid in two ways:<\/p>\n<ul style=\"text-align: justify;\">\n<li>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.<\/li>\n<li>\n<div><span lang=\"EN-US\">By bank transfer to ECF IFN accounts via payment order, with the \u201cPayment details\u201d section consisting the information on loan agreement number and Fiscal identification Number (VAT ID).<\/span><\/div>\n<\/li>\n<\/ul>\n<div style=\"text-align: justify;\"><span lang=\"EN-US\">You can pay into any of the bank accounts opened by Energy Capital Finance IFN listed below:<\/span><\/div>\n<div style=\"text-align: justify;\">\u00a0<\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-1312365395 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-524969433\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-524969433-label\" class=\"accordion-title plain\" href=\"#accordion-item-se-pot-face-ramburs\u0103ri-anticipate-la-creditul-contractat?\" aria-expanded=\"false\" aria-controls=\"accordion-524969433-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Can I make advanced repayments on the loan?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-524969433-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-524969433-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-1659560989\">\n\n\n\t<div id=\"col-101674068\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"font-weight: 400; text-align: justify;\">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.<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">Interest is daily designed on your outstanding loan balance, so reducing the balance through early repayment lowers the interest charged.<\/p>\n\n\t\t<\/div>\n\t\t\t\t\n<style>\n#col-101674068 > .col-inner {\n  margin: 0px 0px 0px 0px;\n}\n<\/style>\n\t<\/div>\n\n\t\n\n\n<style>\n#row-1659560989 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-1780613869\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-1780613869-label\" class=\"accordion-title plain\" href=\"#accordion-item-ce-condi\u021bii-trebuie-s\u0103-\u00eendeplinesc-pentru-a-lua-un-credit-de-la-ecf-ifn?\" aria-expanded=\"false\" aria-controls=\"accordion-1780613869-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>What conditions should  I meet to get a loan from ECF IFN?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-1780613869-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-1780613869-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-612260794\">\n\n\n\t<div id=\"col-1256660434\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"font-weight: 400; text-align: justify;\">First, your company must be established by Romanian Law 31\/1990.<\/p>\n<p style=\"text-align: justify;\">You can attain financing from us if you have:<\/p>\n<ul>\n<li style=\"text-align: justify;\">A company heading at least one year of business activity \u2014 whether an LLC, sole proprietorship, individual enterprise (II), liberal profession (notary, lawyer, etc.) or family business\/association.<\/li>\n<li style=\"text-align: justify;\">A newly incorporated company (3 months minimum) \u2013 Greenfield type set for  investment project.<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-612260794 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-3739479073\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-3739479073-label\" class=\"accordion-title plain\" href=\"#accordion-item-ce-domenii-de-activitate-sunt-finan\u021babile?\" aria-expanded=\"false\" aria-controls=\"accordion-3739479073-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>Which industries can be financed of course excluding the ones banned by the law?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-3739479073-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-3739479073-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-761105698\">\n\n\n\t<div id=\"col-1988058806\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"font-weight: 400; text-align: justify;\">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.<\/p>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-761105698 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-862544585\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-862544585-label\" class=\"accordion-title plain\" href=\"#accordion-item-ce-destina\u021bie-pot-avea-finan\u021b\u0103rile-acordate?\" aria-expanded=\"false\" aria-controls=\"accordion-862544585-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>What can the financing be used for?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-862544585-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-862544585-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-2104942368\">\n\n\n\t<div id=\"col-193638490\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"font-weight: 400; text-align: justify;\">Whatever your business needs, it can be financed \u2013 whether purchasing goods or services, paying salaries\/taxes to the state budget, or investing in equipment, buildings or IT.<\/p>\n<p style=\"font-weight: 400; text-align: justify;\">Identify your need for financial support in your operations flow and let's discuss an option that works for you.<\/p>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-2104942368 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\t<div id=\"accordion-2705813892\" class=\"accordion-item title-faq-ac tab-faq-ac\">\n\t\t<a id=\"accordion-2705813892-label\" class=\"accordion-title plain\" href=\"#accordion-item-cum-se-stabile\u0219te-graficul-de-rambursare-al-creditului?\" aria-expanded=\"false\" aria-controls=\"accordion-2705813892-content\">\n\t\t\t<button class=\"toggle\" aria-label=\"Toggle\"><i class=\"icon-angle-down\" aria-hidden=\"true\"><\/i><\/button>\n\t\t\t<span>How is the loan repayment schedule set?<\/span>\n\t\t<\/a>\n\t\t<div id=\"accordion-2705813892-content\" class=\"accordion-inner\" aria-labelledby=\"accordion-2705813892-label\">\n\t\t\t\n\n<div class=\"row row-collapse\"  id=\"row-1811036754\">\n\n\n\t<div id=\"col-1414257616\" class=\"col small-12 large-12\"  >\n\t\t\t\t<div class=\"col-inner\"  >\n\t\t\t\n\t\t\t\n\n<p style=\"text-align: justify;\">We set the repayment schedule together based on your activity.<\/p>\n<p style=\"text-align: justify;\">In practice, we can use:<\/p>\n<ul>\n<li style=\"text-align: justify;\">a classic schedule with equal monthly instalments over the full financing period<\/li>\n<li style=\"text-align: justify;\">a schedule with unequal instalments depending on how your cash in  flows.<\/li>\n<li style=\"text-align: justify;\">a seasonal schedule if your activity is seasonal (e.g. agriculture or tourism)<\/li>\n<li style=\"text-align: justify;\">a repayment schedule that includes a grace period on instalments if we finance an activity that will generate revenue later \u2014 during the grace period you only pay interest<\/li>\n<\/ul>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-1811036754 > .col > .col-inner {\n  padding: 10px 10px 10px 10px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\t<\/div>\n\t\n\n<\/div>\n\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\n\t\n\n\n<style>\n#row-897724676 > .col > .col-inner {\n  padding: 15px 15px 15px 15px;\n}\n<\/style>\n<\/div>\n\n\t\t<\/div>\n\n\t\t\n<style>\n#section_2110094069 {\n  padding-top: 70px;\n  padding-bottom: 70px;\n}\n@media (min-width:550px) {\n  #section_2110094069 {\n    padding-top: 30px;\n    padding-bottom: 30px;\n  }\n}\n<\/style>\n\t<\/section>","protected":false},"excerpt":{"rendered":"","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-128","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/pages\/128","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/comments?post=128"}],"version-history":[{"count":17,"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/pages\/128\/revisions"}],"predecessor-version":[{"id":647,"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/pages\/128\/revisions\/647"}],"wp:attachment":[{"href":"https:\/\/energy-capital.eu\/en\/wp-json\/wp\/v2\/media?parent=128"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}