{"id":3689,"date":"2025-08-07T10:01:44","date_gmt":"2025-08-07T07:01:44","guid":{"rendered":"https:\/\/123leasing.ro\/blog\/cofinantare\/"},"modified":"2026-01-26T09:27:29","modified_gmt":"2026-01-26T07:27:29","slug":"cofinantare","status":"publish","type":"post","link":"https:\/\/123leasing.ro\/blog\/credit-firma\/cofinantare\/","title":{"rendered":"Cum func\u021bioneaz\u0103 cofinan\u021barea \u00een 2026 \u0219i ce implic\u0103 pentru antreprenori"},"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\"> 6<\/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-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\"><h1>Cum func\u021bioneaz\u0103 cofinan\u021barea \u0219i ce implic\u0103 pentru antreprenori<\/h1>\n<p>Cofinan\u021barea este un element esen\u021bial \u00een aproape orice proiect finan\u021bat prin fonduri europene nerambursabile. De\u0219i granturile pot acoperi o parte semnificativ\u0103 din costuri, beneficiarul trebuie s\u0103 contribuie \u0219i el cu un procent din valoarea eligibil\u0103 a proiectului.<\/p>\n<p>Aceast\u0103 contribu\u021bie poart\u0103 numele de cofinan\u021bare \u0219i poate proveni din surse proprii, credite sau alte finan\u021b\u0103ri.<\/p>\n<p>\u00cen Rom\u00e2nia, cofinan\u021barea este prezent\u0103 \u00een toate marile programe de finan\u021bare european\u0103, de la Start-Up Nation p\u00e2n\u0103 la Programele Regionale sau cele de Tranzi\u021bie Just\u0103.<\/p>\n<p>\u00cen func\u021bie de tipul beneficiarului (IMM, ONG, autoritate public\u0103), procentul de cofinan\u021bare difer\u0103, iar planificarea corect\u0103 a acestei contribu\u021bii poate face diferen\u021ba \u00eentre un proiect aprobat \u0219i unul respins.<\/p>\n<h2>Ce este cofinan\u021barea<\/h2>\n<p>Cofinan\u021barea reprezint\u0103 aportul financiar al beneficiarului la implementarea unui proiect finan\u021bat din fonduri europene sau alte surse externe. Cu alte cuvinte, este partea din bugetul total care nu este acoperit\u0103 de grantul nerambursabil \u0219i care trebuie asigurat\u0103 de c\u0103tre aplicant.<\/p>\n<p>Conform Ministerului Investi\u021biilor \u0219i Proiectelor Europene (MIPE), cofinan\u021barea este \u201ediferen\u021ba dintre valoarea total\u0103 eligibil\u0103 a proiectului \u0219i finan\u021barea nerambursabil\u0103 acordat\u0103\u201d.<\/p>\n<p>Ea poate fi acoperit\u0103 din:<\/p>\n<ul>\n<li>surse proprii (economii, capital circulant),<\/li>\n<li>credite bancare sau linii de finan\u021bare,<\/li>\n<li>contribu\u021bii \u00een natur\u0103 (\u00een cazuri bine definite, cum ar fi spa\u021bii sau echipamente puse la dispozi\u021bie).<\/li>\n<\/ul>\n<p>Cofinan\u021barea nu este doar o formalitate, ci o condi\u021bie obligatorie care arat\u0103 gradul de implicare al beneficiarului \u00een proiect. Cu c\u00e2t proiectul este mai mare, cu at\u00e2t importan\u021ba unei planific\u0103ri clare a contribu\u021biei proprii cre\u0219te.<\/p>\n<h2>Tipuri de cofinan\u021bare \u00een fondurile europene<\/h2>\n<p>\u00cen func\u021bie de tipul de finan\u021bare \u0219i natura beneficiarului, cofinan\u021barea poate avea forme \u0219i procente diferite. Cele mai frecvente tipuri sunt:<\/p>\n<ul>\n<li><strong>Cofinan\u021bare public\u0103<\/strong>Atunci c\u00e2nd statul rom\u00e2n, prin bugetele locale sau centrale, contribuie la implementarea unui proiect. Acest tip este frecvent \u00eent\u00e2lnit \u00een proiectele autorit\u0103\u021bilor publice sau \u00een programele mari de infrastructur\u0103.<\/li>\n<li><strong>Cofinan\u021bare privat\u0103<\/strong>Aportul \u00een numerar sau natur\u0103 al companiilor sau persoanelor fizice care aplic\u0103 pentru fonduri. Este cea mai comun\u0103 form\u0103 \u00een cazul IMM-urilor, ONG-urilor sau PFA-urilor.<\/li>\n<\/ul>\n<p>Nivelul de cofinan\u021bare este stabilit prin ghidurile solicitantului \u0219i variaz\u0103 de la program la program. De exemplu:<\/p>\n<ul>\n<li>\u00cen programul Interreg Rom\u00e2nia\u2013Ungaria, contribu\u021bia proprie trebuie s\u0103 fie de minimum 18,75% pentru organiza\u021biile non-profit, \u0219i poate ajunge p\u00e2n\u0103 la 25% pentru entit\u0103\u021bile private (<a href=\"https:\/\/interreg-rohu.eu\">interreg-rohu.eu<\/a>).<\/li>\n<li>\u00cen unele cazuri excep\u021bionale, nivelul de cofinan\u021bare poate fi redus temporar, astfel \u00eenc\u00e2t grantul s\u0103 acopere p\u00e2n\u0103 la 95% din valoarea eligibil\u0103 a proiectului. Acest lucru a fost discutat, de exemplu, \u00een contextul crizelor economice, pentru a stimula absorb\u021bia fondurilor europene \u00een Rom\u00e2nia.<\/li>\n<\/ul>\n<h2>Programe tipice \u00een care intervine cofinan\u021barea<\/h2>\n<p>Cofinan\u021barea este o condi\u021bie standard \u00een majoritatea programelor de finan\u021bare disponibile pentru IMM-uri \u0219i antreprenori.<\/p>\n<p>Cele mai populare 3 programe sunt:<\/p>\n<ul>\n<li><strong>Start-Up Nation<\/strong>Programul cere o contribu\u021bie proprie \u00eentre 10% \u0219i 30%, \u00een func\u021bie de punctajul proiectului \u0219i de categoria beneficiarului. Cu c\u00e2t cofinan\u021barea e mai mare, cu at\u00e2t cresc \u0219ansele de aprobare.<\/li>\n<li><strong>Programul Tranzi\u021bie Just\u0103<\/strong>O linie de finan\u021bare dedicat\u0103 zonelor afectate de tranzi\u021bia energetic\u0103. Ofer\u0103 granturi de p\u00e2n\u0103 la 200.000 euro pentru micro\u00eentreprinderi, cu o cofinan\u021bare proprie de 15%.<\/li>\n<li><strong>PNRR &#8211; Pilonul pentru IMM-uri<\/strong>De\u0219i acoper\u0103 o parte semnificativ\u0103 a investi\u021biei prin granturi nerambursabile, necesit\u0103 cofinan\u021bare pentru componenta digitalizare, eficien\u021b\u0103 energetic\u0103 sau dezvoltare sustenabil\u0103.<\/li>\n<\/ul>\n<h2>Ce implic\u0103 o cofinan\u021bare pentru aplicant<\/h2>\n<p>Pentru orice firm\u0103 sau persoan\u0103 fizic\u0103 autorizat\u0103 care aplic\u0103 la fonduri nerambursabile, cofinan\u021barea presupune:<\/p>\n<ol>\n<li><strong>Asigurarea banilor proprii sau a unei surse de finan\u021bare<\/strong>Aplicantul trebuie s\u0103 demonstreze c\u0103 dispune de suma necesar\u0103 pentru cofinan\u021bare, fie din resurse proprii, fie printr-un credit bancar sau alt\u0103 form\u0103 de finan\u021bare.\n<p>Unele programe solicit\u0103 inclusiv dovada existen\u021bei acestor fonduri \u00een cont sau o scrisoare de inten\u021bie de la banc\u0103.<\/li>\n<li><strong>Planificare financiar\u0103 riguroas\u0103<\/strong>Cofinan\u021barea trebuie alocat\u0103 corect \u00een bugetul proiectului, pentru a nu afecta cash-flow-ul firmei. Multe proiecte implic\u0103 \u0219i perioade de rambursare \u00eent\u00e2rziat\u0103, ceea ce \u00eenseamn\u0103 c\u0103 beneficiarul trebuie s\u0103 sus\u021bin\u0103 cheltuielile ini\u021bial din surse proprii.<\/li>\n<li><strong>Risc \u0219i responsabilitate<\/strong>Odat\u0103 asumat\u0103, cofinan\u021barea devine o obliga\u021bie contractual\u0103.\n<p>\u00cen cazul \u00een care nu este respectat\u0103 sau este folosit\u0103 \u00een alte scopuri dec\u00e2t cele prev\u0103zute, exist\u0103 riscul de penalit\u0103\u021bi sau chiar de pierdere a \u00eentregii finan\u021b\u0103ri.<\/li>\n<li><strong>Audit \u0219i justificare<\/strong>Autorit\u0103\u021bile de management cer justific\u0103ri clare \u0219i documente pentru fiecare sum\u0103 cheltuit\u0103. Cofinan\u021barea trebuie documentat\u0103 la fel de riguros ca \u0219i contribu\u021bia din fonduri nerambursabile.<\/li>\n<\/ol>\n<h2>Concluzie<\/h2>\n<p>Cofinan\u021barea este o condi\u021bie fireasc\u0103 \u00een procesul de ob\u021binere a fondurilor europene \u0219i reflect\u0103 angajamentul beneficiarului fa\u021b\u0103 de proiect. De\u0219i presupune un efort financiar \u0219i o planificare atent\u0103, ea aduce beneficii pe termen lung \u2013 at\u00e2t \u00een ceea ce prive\u0219te valoarea finan\u021b\u0103rii, c\u00e2t \u0219i \u00een credibilitatea proiectului \u00een fa\u021ba autorit\u0103\u021bilor.<\/p>\n<p>Pentru antreprenorii care doresc s\u0103 acceseze fonduri, dar nu sunt siguri cum s\u0103 structureze partea de cofinan\u021bare, speciali\u0219tii 123Credit pot oferi sprijin \u00een evaluarea capacit\u0103\u021bii financiare \u0219i \u00een g\u0103sirea solu\u021biilor potrivite (credite punte, garan\u021bii etc.).<\/p>\n<h2>\u00centreb\u0103ri frecvente<\/h2>\n<h3>1. Ce \u00eenseamn\u0103 cofinan\u021bare \u00eentr-un proiect cu fonduri europene?<\/h3>\n<p>Cofinan\u021barea este partea din valoarea total\u0103 eligibil\u0103 a unui proiect pe care trebuie s\u0103 o acopere beneficiarul, din surse proprii sau atrase. Nu este rambursat\u0103 de autorit\u0103\u021bi.<\/p>\n<h3>2. Pot accesa fonduri europene f\u0103r\u0103 cofinan\u021bare?<\/h3>\n<p>\u00cen general, nu. Majoritatea programelor implic\u0103 un minim de cofinan\u021bare (5\u201330%), dar exist\u0103 \u0219i excep\u021bii pentru ONG-uri sau anumite ini\u021biative sociale finan\u021bate 100%.<\/p>\n<h3>3. Pot lua un credit pentru partea de cofinan\u021bare?<\/h3>\n<p>Da, multe b\u0103nci ofer\u0103 produse speciale (credite punte, linii de credit) destinate cofinan\u021b\u0103rii proiectelor europene. Acestea pot fi garantate de stat sau de fonduri europene.<\/p>\n<h3>4. Dac\u0103 nu asigur cofinan\u021barea, pierd proiectul?<\/h3>\n<p>Da. Lipsa cofinan\u021b\u0103rii sau utilizarea incorect\u0103 a acesteia poate duce la rezilierea contractului \u0219i rambursarea fondurilor primite.<\/p>\n<h3>5. Cofinan\u021barea poate fi \u00een natur\u0103?<\/h3>\n<p>Doar \u00een cazuri foarte specifice (ex: aport de echipamente, cl\u0103diri sau spa\u021bii), \u0219i doar dac\u0103 acest lucru este men\u021bionat \u00een ghidul solicitantului \u0219i acceptat de autoritatea de management.<\/p>\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-sizes-top:1;--awb-border-sizes-bottom:1;--awb-border-sizes-left:1;--awb-border-sizes-right:1;--awb-border-color:var(--awb-color3);--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:20px;--awb-padding-right:20px;--awb-padding-bottom:20px;--awb-padding-left:20px;--awb-flex-wrap:wrap;--awb-box-shadow: 0px 0px ;\" ><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-1 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--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-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%;\"><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-center fusion-title-text fusion-title-size-four\" style=\"--awb-margin-bottom:0px;--awb-margin-top-small:10px;--awb-margin-right-small:0px;--awb-margin-bottom-small:10px;--awb-margin-left-small:0px;--awb-font-size:28px;\"><h4 class=\"fusion-title-heading title-heading-center fusion-responsive-typography-calculated\" style=\"margin:0;font-size:1em;--fontSize:28;line-height:var(--awb-typography1-line-height);\"><span style=\"font-weight: normal;\">Alege din cele<\/span> <span style=\"color: var(--awb-color4);\">150+<\/span><span style=\"font-weight: normal;\"> de oferte de la <\/span><span style=\"color: var(--awb-color4);\">20+<\/span><span style=\"font-weight: normal;\"> institutii financiare partenere:<\/span><\/h4><\/div><div class=\"fusion-image-carousel fusion-image-carousel-fixed fusion-image-carousel-1\"><div class=\"awb-carousel awb-swiper awb-swiper-carousel awb-carousel--carousel awb-swiper-dots-position-bottom\" data-layout=\"carousel\" data-autoplay=\"no\" data-autoplayspeed=\"2500\" data-autoplaypause=\"no\" data-loop=\"yes\" data-columns=\"5\" data-columnsmedium=\"1\" data-columnssmall=\"1\" data-itemmargin=\"0\" data-itemwidth=\"180\" data-touchscroll=\"no\" data-freemode=\"no\" data-imagesize=\"fixed\" data-scrollitems=\"0\" data-centeredslides=\"no\" data-rotationangle=\"50\" data-depth=\"100\" data-speed=\"500\" data-shadow=\"no\" data-pagination=\"bullets\" style=\"--awb-column-spacing:0px;\"><div class=\"swiper-wrapper awb-image-carousel-wrapper fusion-flex-align-items-center\"><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-simplu-credit2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-speedfinanciar.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"157\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-tbi-v2.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"198\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit-consumer-finance.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-unicredit.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-viva.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-alphabank.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bcr-2023.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"300\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro-200x41.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-banca-ro.png 300w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-brd.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-bt.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"61\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ca.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-cec.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-claret.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"166\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credex.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-credit-eu.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-creditprime-200x55.png 200w, 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https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-happycredit.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"152\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-icredit.jpg\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"110\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-ing.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" \/><\/div><\/div><\/div><div 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class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-patria.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><div class=\"swiper-slide\"><div class=\"fusion-carousel-item-wrapper\"><div class=\"fusion-image-wrapper hover-type-none\"><img decoding=\"async\" width=\"222\" height=\"61\" src=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png\" class=\"attachment-blog-medium size-blog-medium\" alt=\"\" srcset=\"https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen-200x55.png 200w, https:\/\/123leasing.ro\/blog\/wp-content\/uploads\/2024\/07\/logo-raiffeisen.png 222w\" sizes=\"(min-width: 2200px) 100vw, (min-width: 928px) 220px, (min-width: 856px) 275px, (min-width: 784px) 367px, (min-width: 712px) 550px, (min-width: 640px) 712px, \" \/><\/div><\/div><\/div><\/div><div class=\"awb-swiper-button awb-swiper-button-prev\"><i class=\"awb-icon-angle-left\" aria-hidden=\"true\"><\/i><\/div><div class=\"awb-swiper-button awb-swiper-button-next\"><i class=\"awb-icon-angle-right\" aria-hidden=\"true\"><\/i><\/div><\/div><\/div><div style=\"text-align:center;\"><a class=\"fusion-button button-flat fusion-button-default-size button-default fusion-button-default button-1 fusion-button-default-span fusion-button-default-type\" style=\"--awb-margin-top:0px;--awb-margin-bottom:0px;\" target=\"_self\" href=\"https:\/\/123credit.ro\"><span class=\"fusion-button-text awb-button__text awb-button__text--default\">Aplica pentru un credit in mai putin de 5 minute<\/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-2 fusion_builder_column_1_1 1_1 fusion-flex-column\" style=\"--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-2\"><\/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\"> 6<\/span> <span class=\"rt-label rt-postfix\">minute<\/span><\/span><\/p>\n","protected":false},"author":7,"featured_media":3691,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[237],"tags":[],"class_list":["post-3689","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 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Cum func\u021bioneaz\u0103 cofinan\u021barea \u00een 2026 \u0219i ce implic\u0103 pentru antreprenori - Blogul 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