{"id":3005,"date":"2025-05-16T09:44:12","date_gmt":"2025-05-16T06:44:12","guid":{"rendered":"https:\/\/123leasing.ro\/blog\/?p=3005"},"modified":"2026-01-26T09:27:15","modified_gmt":"2026-01-26T07:27:15","slug":"cum-iei-un-imprumut-pe-pfa","status":"publish","type":"post","link":"https:\/\/123leasing.ro\/blog\/credit-firma\/cum-iei-un-imprumut-pe-pfa\/","title":{"rendered":"Cum iei un \u00eemprumut pe PFA \u00een 2026: condi\u021bii \u0219i pa\u0219ii necesari"},"content":{"rendered":"<span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><p><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-1 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-0 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-1\"><p><b>Un \u00eemprumut PFA poate fi solu\u021bia ideal\u0103 pentru a sus\u021bine dezvoltarea activit\u0103\u021bii tale, fie c\u0103 ai nevoie de capital de lucru, echipamente sau refinan\u021barea altor datorii. De\u0219i procesul nu este radical diferit fa\u021b\u0103 de cel aplicabil IMM-urilor, exist\u0103 particularit\u0103\u021bi importante de care orice persoan\u0103 fizic\u0103 autorizat\u0103 trebuie s\u0103 \u021bin\u0103 cont.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">\u00cen acest articol \u00ee\u021bi explic\u0103m care sunt condi\u021biile generale impuse de institu\u021biile financiare, ce documente trebuie preg\u0103tite \u0219i ce pa\u0219i trebuie urma\u021bi pentru a ob\u021bine un<strong><a href=\"https:\/\/123leasing.ro\/blog\/credit-pentru-pfa\/\"> <span style=\"color: var(--awb-color5);\">\u00eemprumut pe PFA<\/span><\/a><\/strong>.<\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Condi\u021bii generale pentru ob\u021binerea unui \u00eemprumut pe PFA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Nu toate PFA-urile sunt automat eligibile pentru finan\u021bare, iar fiecare banc\u0103 sau IFN are propriile reguli. Chiar \u0219i a\u0219a, exist\u0103 c\u00e2teva cerin\u021be comune pe pia\u021b\u0103:<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>1. Vechimea activit\u0103\u021bii<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Cele mai multe institu\u021bii solicit\u0103 ca PFA-ul s\u0103 aib\u0103 o vechime minim\u0103. De exemplu, Filbo cere o activitate de <\/span><b><a href=\"https:\/\/filbo.ro\/credit-pfa\/\"><span style=\"color: var(--awb-color5);\">cel pu\u021bin 12 luni<\/span><\/a><span style=\"color: var(--awb-color5);\">,<\/span><\/b> iar <a href=\"https:\/\/vitasromania.ro\/credite-pentru-startup-uri\/\"><b style=\"color: var(--awb-color5);\">Vitas IFN<\/b><\/a><span style=\"font-weight: 400;\"> ofer\u0103 credite pentru firme nou \u00eenfiin\u021bate, inclusiv PFA-uri, chiar dac\u0103 acestea au mai pu\u021bin de 3 luni de activitate pe pia\u021b\u0103.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">E important ca \u00een aceast\u0103 perioad\u0103 s\u0103 nu fi existat modific\u0103ri majore \u00een structura PFA-ului sau \u00eentreruperi ale activit\u0103\u021bii.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>2. Venituri anuale \u0219i capacitate de rambursare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Filbo, de exemplu, acord\u0103 \u00eemprumuturi PFA-urilor care \u00eenregistreaz\u0103 venituri anuale sub 2 milioane de euro.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 pare o sum\u0103 mare, este un plafon care include marea majoritate a PFA-urilor din Rom\u00e2nia. Important este ca veniturile s\u0103 fie constante \u0219i demonstrabile.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>3. Istoric de credit curat<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">La fel ca \u00een cazul persoanelor fizice sau al firmelor, institu\u021biile verific\u0103 dac\u0103 ai avut incidente de plat\u0103 \u00een Biroul de Credit sau \u00een Centrala Riscurilor de Credit. Orice \u00eent\u00e2rziere sau neplat\u0103 poate duce la respingerea cererii.<\/span><\/p>\n<h3 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 26; line-height: 1.2;\" data-fontsize=\"26\" data-lineheight=\"31.2px\"><b>4. Documente necesare<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Documentele solicitate variaz\u0103 \u00een func\u021bie de institu\u021bie sau banc\u0103, dar de regul\u0103 trebuie s\u0103 preg\u0103te\u0219ti:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Declara\u021bia Unic\u0103 depus\u0103 la ANAF (cea mai recent\u0103)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Un extras de cont pe ultimele 3 luni<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Copie dup\u0103 actul de identitate<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Certificatul de \u00eenregistrare al PFA-ului (de la ONRC)<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\">Eventual, un plan de investi\u021bii (dac\u0103 e un credit pentru dezvoltare)<\/span><\/li>\n<\/ul>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-2 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:15px;--awb-padding-right:15px;--awb-padding-bottom:15px;--awb-padding-left:15px;--awb-margin-top:20px;--awb-margin-bottom:20px;--awb-background-color:var(--awb-color4);--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-1 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-image-element\" style=\"--awb-caption-title-font-family:var(--h2_typography-font-family);--awb-caption-title-font-weight:var(--h2_typography-font-weight);--awb-caption-title-font-style:var(--h2_typography-font-style);--awb-caption-title-size:var(--h2_typography-font-size);--awb-caption-title-transform:var(--h2_typography-text-transform);--awb-caption-title-line-height:var(--h2_typography-line-height);--awb-caption-title-letter-spacing:var(--h2_typography-letter-spacing);\"><span class=\" fusion-imageframe imageframe-none imageframe-1 hover-type-none\"><img decoding=\"async\" width=\"940\" height=\"788\" title=\"linie-credit\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit.jpg\" alt class=\"img-responsive wp-image-2707\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit-200x168.jpg 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit-400x335.jpg 400w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit-600x503.jpg 600w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit-800x671.jpg 800w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2025\/03\/linie-credit.jpg 940w\" sizes=\"(max-width: 640px) 100vw, 600px\" \/><\/span><\/div><\/div><\/div><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-2 fusion_builder_column_1_2 1_2 fusion-flex-column\" style=\"--awb-bg-size:cover;--awb-width-large:50%;--awb-margin-top-large:0px;--awb-spacing-right-large:3.84%;--awb-margin-bottom-large:20px;--awb-spacing-left-large:3.84%;--awb-width-medium:50%;--awb-order-medium:0;--awb-spacing-right-medium:3.84%;--awb-spacing-left-medium:3.84%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-title title fusion-title-1 fusion-sep-none fusion-title-text fusion-title-size-four\" style=\"--awb-text-color:#ffffff;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:30px;\"><h4 class=\"fusion-title-heading title-heading-left fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:30;line-height:var(--awb-typography1-line-height);\">Cum func\u021bioneaz\u0103 o linie de credit pentru firme?<\/h4><\/div><div class=\"fusion-text fusion-text-2\"><p style=\"color: #ffffff;\">O<b> linie de credit pentru firme<\/b> \u00ee\u021bi ofer\u0103 acces rapid la fonduri oric\u00e2nd ai nevoie, pentru cheltuieli curente sau investi\u021bii. Ai flexibilitate maxim\u0103 \u0219i pl\u0103te\u0219ti dob\u00e2nd\u0103 doar pentru suma utilizat\u0103!<\/p>\n<\/div><div ><a class=\"fusion-button button-flat fusion-button-default-size button-custom fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--button_accent_color:var(--awb-color1);--button_accent_hover_color:#000000;--button_border_hover_color:#000000;--button_gradient_top_color:#fe9900;--button_gradient_bottom_color:#fe9900;--button_gradient_top_color_hover:#ffffff;--button_gradient_bottom_color_hover:#ffffff;\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/123credit.ro\/credit-firma\/\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">VEZI OFERTELE PENTRU LINIA DE CREDIT<\/span><\/a><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-3 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-3 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-3\"><h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Pa\u0219ii necesari pentru ob\u021binerea unui \u00eemprumut ca PFA<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Chiar dac\u0103 accesarea unui \u00eemprumut ca PFA este, \u00een teorie, mai flexibil\u0103 dec\u00e2t \u00een cazul companiilor mari, procesul presupune totu\u0219i o serie de pa\u0219i clari, care trebuie urma\u021bi cu aten\u021bie. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">O abordare organizat\u0103 \u00ee\u021bi va cre\u0219te \u0219ansele de aprobare \u0219i \u00ee\u021bi poate economisi timp \u0219i energie, mai ales dac\u0103 preg\u0103te\u0219ti din start un dosar complet \u0219i coerent. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Uite pa\u0219ii principali pe care trebuie s\u0103 \u00eei urmezi dac\u0103 vrei s\u0103 ob\u021bii un \u00eemprumut adaptat nevoilor PFA-ului t\u0103u:<\/span><\/p>\n<ol>\n<li><b>Verific\u0103 eligibilitatea<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">\u00cenainte de a aplica, verific\u0103 cerin\u021bele institu\u021biei financiare la care vrei s\u0103 trimi\u021bi dosarul \u0219i evit\u0103 s\u0103 aplici de mai multe ori, f\u0103r\u0103 sens. Asta \u00ee\u021bi pot afecta scorul t\u0103u de credit.<\/span><\/p>\n<ol start=\"2\">\n<li><b> Preg\u0103te\u0219te dosarul complet<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Adun\u0103 toate documentele necesare \u00eentr-un singur loc. Ai grij\u0103 ca datele s\u0103 fie corecte, actualizate \u0219i s\u0103 nu existe discrepan\u021be \u00eentre declara\u021biile fiscale \u0219i extrasul de cont.<\/span><\/p>\n<ol start=\"3\">\n<li><b> Completeaz\u0103 cererea<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Po\u021bi aplica fie online (la IFN-uri precum Filbo sau Vitas), fie direct \u00eentr-o sucursal\u0103 bancar\u0103. Procesul dureaz\u0103 c\u00e2teva minute, iar r\u0103spunsul poate veni chiar \u00een 24\u201348 de ore.<\/span><\/p>\n<ol start=\"4\">\n<li><b> A\u0219teapt\u0103 analiza<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Institu\u021bia va analiza dosarul t\u0103u financiar, veniturile, istoricul de credit \u0219i consisten\u021ba informa\u021biilor. Uneori po\u021bi fi contactat pentru clarific\u0103ri sau complet\u0103ri.<\/span><\/p>\n<ol start=\"5\">\n<li><b> Semneaz\u0103 contractul \u0219i acceseaz\u0103 fondurile<\/b><\/li>\n<\/ol>\n<p><span style=\"font-weight: 400;\">Dup\u0103 aprobare, vei semna contractul, iar banii vor fi vira\u021bi \u00een contul t\u0103u. Unele institu\u021bii permit \u0219i rambursare anticipat\u0103 f\u0103r\u0103 comision.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 vrei s\u0103 evi\u021bi pa\u0219ii complica\u021bi \u0219i s\u0103 scurtezi semnificativ procesul, o variant\u0103 eficient\u0103 este s\u0103 colaborezi cu un <\/span><a href=\"https:\/\/123credit.ro\/despre-noi\"><span style=\"color: var(--awb-color5);\"><b>specialist \u00een creditare<\/b><\/span><\/a><span style=\"font-weight: 400;\"> de la 123credit.ro. \u00cen loc s\u0103 cau\u021bi singur cele mai bune oferte, s\u0103 verifici criteriile fiec\u0103rei institu\u021bii \u0219i s\u0103 completezi documenta\u021bia de la zero, po\u021bi parcurge totul \u00een 2\u20133 pa\u0219i simpli. <\/span><\/p>\n<h2 class=\"fusion-responsive-typography-calculated\" style=\"--fontsize: 38; line-height: 1.2;\" data-fontsize=\"38\" data-lineheight=\"45.6px\"><b>Concluzie<\/b><\/h2>\n<p><span style=\"font-weight: 400;\">Un \u00eemprumut pe PFA este accesibil \u0219i rapid dac\u0103 ai actele \u00een ordine \u0219i \u00een\u021belegi criteriile de eligibilitate. Vechimea activit\u0103\u021bii, istoricul de credit \u0219i veniturile constante sunt esen\u021biale pentru aprobare.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Dac\u0103 nu vrei s\u0103 parcurgi acest proces singur, po\u021bi apela la o platform\u0103 specializat\u0103 sau la <\/span><a href=\"https:\/\/123credit.ro\/contact\"><b style=\"color: var(--awb-color5);\">speciali\u0219ti \u00een creditare<\/b><\/a><span style=\"font-weight: 400;\">, care s\u0103 te ghideze pas cu pas \u0219i s\u0103-\u021bi arate direct ofertele potrivite.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-4 fusion-flex-container has-pattern-background has-mask-background nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-padding-top:0px;--awb-padding-right:0px;--awb-padding-bottom:0px;--awb-padding-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-stretch fusion-flex-justify-content-center fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-4 fusion_builder_column_1_1 1_1 fusion-flex-column fusion-flex-align-self-stretch fusion-column-inner-bg-wrapper\" style=\"--awb-inner-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-order-medium:0;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-order-small:0;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><span class=\"fusion-column-inner-bg hover-type-none\"><a class=\"fusion-column-anchor\" href=\"https:\/\/123credit.ro\/credit-nevoi-personale\"><span class=\"fusion-column-inner-bg-image\"><\/span><\/a><\/span><div class=\"fusion-column-wrapper fusion-column-has-shadow fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-content-boxes content-boxes columns row fusion-columns-3 fusion-columns-total-3 fusion-content-boxes-1 content-boxes-icon-with-title content-left notitles\" style=\"--awb-backgroundcolor:var(--awb-color3);--awb-body-color:var(--awb-color7);--awb-title-color:var(--awb-color5);--awb-iconcolor:var(--awb-color5);--awb-margin-top:0px;--awb-margin-bottom:0px;--awb-hover-accent-color:var(--awb-color4);--awb-circle-hover-accent-color:transparent;\" data-animationOffset=\"top-into-view\"><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-1 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-first-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/consultanti-credite\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/consultanti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Ai nevoie de un credit pentru firma ta?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p><span style=\"font-weight: 400;\">Ob\u021bine <\/span><b>finan\u021bare rapid\u0103 pentru afacerea ta<\/b><span style=\"font-weight: 400;\"> cu un credit adaptat nevoilor companiei. Alege o solu\u021bie de creditare avantajoas\u0103 pentru capital de lucru, investi\u021bii sau extinderea activit\u0103\u021bii.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/consultanti-credite\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Consult\u0103 un specialist<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-2 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover \"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/credit-firma\/\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-firma\/\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-warehouse fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Cau\u021bi cea mai bun\u0103 solu\u021bie de finan\u021bare pentru business-ul t\u0103u?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p><span style=\"font-weight: 400;\">Fie c\u0103 ai nevoie de capital pentru dezvoltare sau pentru cheltuieli curente, te ajut\u0103m s\u0103 alegi <\/span><b>creditul potrivit pentru compania ta<\/b><span style=\"font-weight: 400;\">. Aplic\u0103 simplu \u0219i rapid, f\u0103r\u0103 drumuri la banc\u0103!<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-firma\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\">Afl\u0103 ce op\u021biuni ai<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div style=\"--awb-backgroundcolor:var(--awb-color3);--awb-iconcolor:var(--awb-color5);\" class=\"fusion-column content-box-column content-box-column content-box-column-3 col-lg-4 col-md-4 col-sm-4 fusion-content-box-hover content-box-column-last content-box-column-last-in-row\"><div class=\"col content-box-wrapper content-wrapper-background link-area-box link-type-button icon-hover-animation-fade fusion-animated\" data-link=\"https:\/\/123credit.ro\/credit-firma\/\" data-link-target=\"_blank\" data-animationType=\"fadeInDown\" data-animationDuration=\"0.3\" data-animationOffset=\"top-into-view\"><div class=\"heading heading-with-icon icon-left\"><a class=\"heading-link\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-firma\/\" target=\"_blank\" rel=\"noopener noreferrer\"><div class=\"icon\"><i style=\"background-color:transparent;border-color:transparent;height:auto;width: 20px;line-height:normal;font-size:20px;\" aria-hidden=\"true\" class=\"fontawesome-icon fa-hand-holding-usd fas circle-no\"><\/i><\/div><h3 class=\"content-box-heading fusion-responsive-typography-calculated\" style=\"--h3_typography-font-size:24px;--fontSize:24;line-height:var(--awb-typography1-line-height);\">Vrei un credit pentru IMM-uri cu aprobare rapid\u0103?<\/h3><\/a><\/div><div class=\"fusion-clearfix\"><\/div><div class=\"content-container\">\n<p><span style=\"font-weight: 400;\">Acceseaz\u0103 <\/span><b>credite pentru IMM-uri \u0219i startup-uri<\/b><span style=\"font-weight: 400;\"> cu aprobare rapid\u0103 \u0219i dob\u00e2nzi competitive. Folose\u0219te finan\u021barea pentru echipamente, stocuri sau alte investi\u021bii esen\u021biale.<\/span><span style=\"font-weight: 400;\"><br \/>\n<\/span><\/p>\n<\/div><div class=\"fusion-clearfix\"><\/div><a class=\"fusion-read-more-button fusion-content-box-button fusion-button button-default fusion-button-default-size button- button-flat\" style=\"float:left;\" href=\"https:\/\/123credit.ro\/credit-firma\/\" target=\"_blank\" rel=\"noopener noreferrer\"><span class=\"fusion-button-text\"> Solicit\u0103 finan\u021bare acum<\/span><\/a><div class=\"fusion-clearfix\"><\/div><\/div><\/div><div class=\"fusion-clearfix\"><\/div><\/div><\/div><\/div><\/div><\/div><div class=\"fusion-fullwidth fullwidth-box fusion-builder-row-5 fusion-flex-container nonhundred-percent-fullwidth non-hundred-percent-height-scrolling\" style=\"--awb-border-radius-top-left:0px;--awb-border-radius-top-right:0px;--awb-border-radius-bottom-right:0px;--awb-border-radius-bottom-left:0px;--awb-flex-wrap:wrap;\" ><div class=\"fusion-builder-row fusion-row fusion-flex-align-items-flex-start fusion-flex-content-wrap\" style=\"max-width:1144px;margin-left: calc(-4% \/ 2 );margin-right: calc(-4% \/ 2 );\"><div class=\"fusion-layout-column fusion_builder_column fusion-builder-column-5 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--awb-bg-blend:overlay;--awb-bg-size:cover;--awb-width-large:100%;--awb-margin-top-large:0px;--awb-spacing-right-large:1.92%;--awb-margin-bottom-large:0px;--awb-spacing-left-large:1.92%;--awb-width-medium:100%;--awb-spacing-right-medium:1.92%;--awb-spacing-left-medium:1.92%;--awb-width-small:100%;--awb-spacing-right-small:1.92%;--awb-spacing-left-small:1.92%;\"><div class=\"fusion-column-wrapper fusion-flex-justify-content-flex-start fusion-content-layout-column\"><div class=\"fusion-text fusion-text-4\"><h2><b>\u00centreb\u0103ri frecvente<\/b><\/h2>\n<h3><b>1. Pot lua un \u00eemprumut ca PFA nou-\u00eenfiin\u021bat?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Este posibil, dar trebuie s\u0103 ai cel pu\u021bin 3\u201312 luni de activitate continu\u0103, \u00een func\u021bie de institu\u021bia aleas\u0103.<\/span><\/p>\n<h3><b>2. Ce sum\u0103 pot accesa ca PFA?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Suma variaz\u0103 \u00een func\u021bie de venituri, istoric \u0219i obiectivul finan\u021b\u0103rii, dar poate ajunge la 250.000 lei sau mai mult.<\/span><\/p>\n<h3><b>3. Este nevoie de garan\u021bii?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Unele IFN-uri ofer\u0103 \u00eemprumuturi f\u0103r\u0103 garan\u021bii materiale, baz\u00e2ndu-se doar pe venitul \u00eenregistrat \u0219i istoricul de credit.<\/span><\/p>\n<h3><b>4. Se poate aplica online?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Da. IFN-uri precum Filbo sau Vitas permit aplicarea complet online, cu verificare \u0219i semnare electronic\u0103.<\/span><\/p>\n<h3><b>5. Cum \u00eemi cresc \u0219ansele de aprobare?<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Ai grij\u0103 s\u0103 ai un dosar complet, un istoric de plat\u0103 bun \u0219i s\u0103 alegi produsul potrivit profilului t\u0103u financiar.<\/span><\/p>\n<\/div><\/div><\/div><\/div><\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span class=\"span-reading-time rt-reading-time\" style=\"display: block;\"><span class=\"rt-label rt-prefix\">Timpul estimat pentru citire: <\/span> <span class=\"rt-time\"> 7<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":9,"featured_media":3006,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[237],"tags":[],"class_list":["post-3005","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-firma"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - 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