{"id":264,"date":"2025-08-11T15:50:15","date_gmt":"2025-08-11T15:50:15","guid":{"rendered":"https:\/\/maarbrokers.com\/?page_id=264"},"modified":"2025-08-13T19:32:42","modified_gmt":"2025-08-13T19:32:42","slug":"credit-de-investitii-p-j","status":"publish","type":"page","link":"https:\/\/maarbrokers.com\/index.php\/credit-de-investitii-p-j\/","title":{"rendered":"Credit de investi\u021bii P.J."},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"264\" class=\"elementor elementor-264\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7a7967a e-flex e-con-boxed e-con e-parent\" data-id=\"7a7967a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3c5f885 elementor-widget elementor-widget-heading\" data-id=\"3c5f885\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Ce este un credit de investi\u021bii?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a60384e e-grid e-con-boxed e-con e-parent\" data-id=\"a60384e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4c531b3 elementor-widget elementor-widget-image\" data-id=\"4c531b3\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"825\" height=\"400\" src=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/man-laptop-investment-c-r7woFZ-825x400.jpg\" class=\"attachment-bizberg_detail_image size-bizberg_detail_image wp-image-348\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-45aea01 elementor-widget elementor-widget-text-editor\" data-id=\"45aea01\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Un instrument de finan\u021bare pe termen mediu sau lung dedicat companiilor \u0219i PFA-urilor, folosit pentru:<\/strong><\/p><ul><li><strong>achizi\u021bia de echipamente, utilaje, vehicule;<\/strong><\/li><li><strong>construc\u021bia\/extinderea\/modernizarea spa\u021biilor de produc\u021bie sau comerciale;<\/strong><\/li><li><strong>cump\u0103rarea de active fixe (terenuri\/cl\u0103diri), \u00een func\u021bie de banc\u0103;<\/strong><\/li><li><strong>refinan\u021barea altor \u00eemprumuturi de investi\u021bii, pentru optimizare de cost.<\/strong><\/li><\/ul><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7e0fc7f e-flex e-con-boxed e-con e-parent\" data-id=\"7e0fc7f\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2cc3c0a elementor-widget elementor-widget-heading\" data-id=\"2cc3c0a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cine poate aplica?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e419ffa e-grid e-con-boxed e-con e-parent\" data-id=\"e419ffa\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ad85956 elementor-widget elementor-widget-image\" data-id=\"ad85956\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"640\" height=\"342\" src=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880-1024x547.jpg\" class=\"attachment-large size-large wp-image-349\" alt=\"\" srcset=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880-1024x547.jpg 1024w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880-300x160.jpg 300w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880-768x410.jpg 768w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880-1536x820.jpg 1536w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/Quarterly-Report-e1755095941880.jpg 1897w\" sizes=\"(max-width: 640px) 100vw, 640px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c0652 elementor-widget elementor-widget-text-editor\" data-id=\"14c0652\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong>Antreprenori, PFA\/II\/IF \u0219i societ\u0103\u021bi comerciale cu vechime opera\u021bional\u0103\u00a0 \u0219i flux de numerar stabil. Start-up-urile pot accesa solu\u021bii dedicate (inclusiv garan\u021bii de stat), \u00een func\u021bie de proiect.<\/strong><\/p><p><strong>Condi\u021bii uzuale de eligibilitate<\/strong><\/p><ul><li><strong>istoric financiar pozitiv (f\u0103r\u0103 restan\u021be semnificative);<\/strong><\/li><li><strong>capitaluri proprii adecvate proiectului;<\/strong><\/li><li><strong>cash-flow care acoper\u0103 serviciul datoriei (DSCR conform politicii b\u0103ncii);<\/strong><\/li><li><strong>garan\u021bii: ipoteci pe active, echipamente finan\u021bate, garan\u021bii FNGCIMM\/FGCR\/Exim, dup\u0103 caz.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e3b2915 e-flex e-con-boxed e-con e-parent\" data-id=\"e3b2915\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c852b45 elementor-widget elementor-widget-heading\" data-id=\"c852b45\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cum ob\u021bii un credit de investi\u021bii \u00een 5 pa\u0219i<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-89f7e8a e-grid e-con-boxed e-con e-parent\" data-id=\"89f7e8a\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-626cf8c elementor-widget elementor-widget-image\" data-id=\"626cf8c\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"600\" height=\"400\" src=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/accesarea-unui-credit-600.jpg\" class=\"attachment-medium_large size-medium_large wp-image-353\" alt=\"\" srcset=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/accesarea-unui-credit-600.jpg 600w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/accesarea-unui-credit-600-300x200.jpg 300w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0b18417 elementor-widget elementor-widget-text-editor\" data-id=\"0b18417\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ol><li><strong>Diagnostic financiar &amp; eligibilitate (15\u201330 min call + documente de baz\u0103).<\/strong><\/li><li><strong>Strategie &amp; structur\u0103 de finan\u021bare (sum\u0103, maturitate, garan\u021bii, grace).<\/strong><\/li><li><strong>Dosar banc\u0103 (bilan\u021buri, balan\u021be, cash-flow, devize, oferte echipamente, situa\u021bii \u0219antier).<\/strong><\/li><li><strong>Analiz\u0103 banc\u0103 &amp; ofert\u0103 (poate include vizit\u0103 la sediu sau site-visit).<\/strong><\/li><li><strong>Contractare &amp; tragere (semnare, constituire garan\u021bii, decont\u0103ri).<\/strong><\/li><\/ol>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-62ff443 e-flex e-con-boxed e-con e-parent\" data-id=\"62ff443\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3d37dfe elementor-widget elementor-widget-heading\" data-id=\"3d37dfe\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Cum te ajut\u0103 un broker de credite (MAAR)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5375a71 e-grid e-con-boxed e-con e-parent\" data-id=\"5375a71\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d259587 elementor-widget elementor-widget-image\" data-id=\"d259587\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"711\" height=\"400\" src=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/01JA9VMB0D085J4HQFTMVFS9RJ.webp\" class=\"attachment-bizberg_detail_image size-bizberg_detail_image wp-image-354\" alt=\"\" srcset=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/01JA9VMB0D085J4HQFTMVFS9RJ.webp 711w, https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/01JA9VMB0D085J4HQFTMVFS9RJ-300x169.webp 300w\" sizes=\"(max-width: 711px) 100vw, 711px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ca55d5 elementor-widget elementor-widget-text-editor\" data-id=\"5ca55d5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li><strong>Compare &amp; decide. Punem toate ofertele bancare, \u00eentr-un singur loc, explicate clar pe cost total, clauze \u0219i scenarii de dob\u00e2nd\u0103.<\/strong><\/li><li><strong>Negociere de condi\u021bii. Ob\u021binem marje, comisioane \u0219i garan\u021bii mai avantajoase dec\u00e2t abordarea direct\u0103.<\/strong><\/li><li><strong>Zero cost pentru tine. Suntem remunera\u021bi de banc\u0103; serviciul de intermediere este 100% GRATUIT pentru solicitant (\u00een condi\u021biile standard ale pie\u021bei).<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8a99b73 e-flex e-con-boxed e-con e-parent\" data-id=\"8a99b73\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5a6bbfd elementor-widget elementor-widget-heading\" data-id=\"5a6bbfd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Documente uzuale (list\u0103 orientativ\u0103)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e96992e e-grid e-con-boxed e-con e-parent\" data-id=\"e96992e\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-63f7b48 elementor-widget elementor-widget-image\" data-id=\"63f7b48\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"750\" height=\"400\" src=\"https:\/\/maarbrokers.com\/wp-content\/uploads\/2025\/08\/7346cc3b3b504d30ed27b11bb31844a5-750x400.jpg\" class=\"attachment-bizberg_detail_image size-bizberg_detail_image wp-image-356\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2794527 elementor-widget elementor-widget-text-editor\" data-id=\"2794527\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<ul><li data-start=\"99\" data-end=\"231\"><strong data-start=\"99\" data-end=\"114\">Acte firm\u0103:<\/strong> acte constitutive \u0219i modificatoare, lista asocia\u021bilor \u0219i administratorilor, certificat constatator ONRC (valabil).<\/li><li data-start=\"235\" data-end=\"318\"><strong data-start=\"235\" data-end=\"250\">Financiare:<\/strong> ultimele bilan\u021buri depuse la ANAF, balan\u021ba de verificare curent\u0103.<\/li><li data-start=\"322\" data-end=\"414\"><strong data-start=\"322\" data-end=\"337\">Investi\u021bie:<\/strong> descriere proiect, oferte\/devize, contracte (dac\u0103 exist\u0103), grafic lucr\u0103ri.<\/li><li data-start=\"418\" data-end=\"526\"><strong data-start=\"418\" data-end=\"448\">Obliga\u021bii fiscale\/bancare:<\/strong> certificat fiscal privind datoriile, extras de cont, centralizator credite.<\/li><li data-start=\"530\" data-end=\"617\"><strong data-start=\"530\" data-end=\"543\">Garan\u021bii:<\/strong> raport evaluare, acte de proprietate, copii C\u0103r\u021bi Funciare actualizate.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Ce este un credit de investi\u021bii? Un instrument de finan\u021bare pe termen mediu sau lung dedicat companiilor \u0219i PFA-urilor, folosit pentru: achizi\u021bia de echipamente, utilaje, vehicule; construc\u021bia\/extinderea\/modernizarea spa\u021biilor de produc\u021bie sau comerciale; cump\u0103rarea de active fixe (terenuri\/cl\u0103diri), \u00een func\u021bie de banc\u0103; refinan\u021barea altor \u00eemprumuturi de investi\u021bii, pentru optimizare de cost. \u00a0 Cine poate aplica? Antreprenori, PFA\/II\/IF \u0219i societ\u0103\u021bi comerciale cu [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-264","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Credit de investi\u021bii P.J. - MAAR<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/maarbrokers.com\/index.php\/credit-de-investitii-p-j\/\" \/>\n<meta property=\"og:locale\" content=\"ro_RO\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit de investi\u021bii P.J. - MAAR\" \/>\n<meta property=\"og:description\" content=\"Ce este un credit de investi\u021bii? Un instrument de finan\u021bare pe termen mediu sau lung dedicat companiilor \u0219i PFA-urilor, folosit pentru: achizi\u021bia de echipamente, utilaje, vehicule; construc\u021bia\/extinderea\/modernizarea spa\u021biilor de produc\u021bie sau comerciale; cump\u0103rarea de active fixe (terenuri\/cl\u0103diri), \u00een func\u021bie de banc\u0103; refinan\u021barea altor \u00eemprumuturi de investi\u021bii, pentru optimizare de cost. \u00a0 Cine poate aplica? 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Un instrument de finan\u021bare pe termen mediu sau lung dedicat companiilor \u0219i PFA-urilor, folosit pentru: achizi\u021bia de echipamente, utilaje, vehicule; construc\u021bia\/extinderea\/modernizarea spa\u021biilor de produc\u021bie sau comerciale; cump\u0103rarea de active fixe (terenuri\/cl\u0103diri), \u00een func\u021bie de banc\u0103; refinan\u021barea altor \u00eemprumuturi de investi\u021bii, pentru optimizare de cost. \u00a0 Cine poate aplica? 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