Three complementary instruments
for industrial equipment from 5.000 € to millions.
Whether your project needs a fast decision, maximum non-repayable aid intensity or a direct relationship with the supplier, the instruments cover every case. We prepare the technical file. Specifications, pro forma invoice, implementation plan and technical justifications are included, whatever the partner.
Choose the route that best fits the timing and profile of your project.
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Choose the route that best fits the timing and profile of your project.
Credits & leasing
The fastest route to the equipment when you want predictable fixed instalments and don't want to tie up working capital. 10 financial partners cover every equipment category, from 5.000 € to over 1.000.000 €.
- GRENKE, BT Leasing, BRD, Garanti, UniCredit, BCR, OTP, Impuls, Autonom
- Fixed instalments over 24, 36, 48 or 60 months
- One-page application plus the last 2 balance sheets
- Pro forma invoice and technical specifications prepared by Uzinex
For companies with stable turnover that want the machine now, without a long eligibility process.
European & government funding
Up to 100% aid intensity for projects that fit the open funding lines. We cover 12 active programs: Horizon Europe, PNRR, PoCIDIF, Industria Prelucrătoare with a 447M€ budget, Fondul pentru Modernizare, E-MOBILITY RO and others.
- Complete technical file (specifications, quotes, implementation plan)
- We work with accredited consultants to prepare the application
- We cover both SMEs and large enterprises
- Eligibility checked by CAEN code and location
For projects that can wait 4–9 months for the application to be evaluated, and for companies eligible under open schemes.
Supplier credit
You pay for the equipment directly to us, in instalments, over 12 to 60 months, secured by one of the 7 accepted instruments. For clients with a solid track record, it is the fastest route with no financial intermediary.
- Guaranteed promissory note, pledge, cheque, assignment, surety, chattel mortgage, SGB
- The credit decision is made internally, with no third-party bank
- Strict eligibility based on commercial history
- Maximum contract term of 60 months with negotiable instalments
For existing Uzinex clients with a good commercial history, and for projects where a fast decision matters more than the lowest interest.
The concrete difference between the three.
| Criterion | Credits & leasing | EU funds | Supplier credit |
|---|---|---|---|
| Who approves | Financial partner | Program evaluation committee | Uzinex directly |
| Time to decision | ≈ 48 hours | 4–9 months | 5–10 business days |
| Down payment | 0% | Varies by program | Negotiable |
| Documentation | Standard · 1 page | Complex · plan + budget | Commercial + guarantees |
| Total cost | Market interest | Only the co-financed part | Negotiated interest |
| Rejection risk | Low | Medium–high | Low for existing clients |
Indicative estimates based on our experience with the three instruments. Details are confirmed depending on the specific partner, the program active at that moment and the client profile.
Three questions that usually decide which route you take.
How fast do you need the machine on the floor?
- →≤ 1 month · credits & leasing or supplier credit
- →1–3 months · any of the three, depending on profile
- →Can wait 6+ months · we add EU funds for the non-repayable component
How much does the lowest total cost matter?
- →Critical · EU funds with 50–100% non-repayable intensity
- →Important · leasing with fixed rates + EU component on own contribution
- →Secondary · supplier credit with a fast decision
How complex is your financial profile?
- →Standard SME · leasing through partners or EU funds
- →Large enterprise with track record · any of the three
- →New company · leasing with a guarantor or supplier credit with collateral
Answers to the questions we get most often.
Which instrument fits best for a 50.000 € investment in a new machine?
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For an amount of this size, the standard recommendation is leasing through partners such as GRENKE or BT Leasing, because approval takes 48 hours, the down payment can be 0% and the contract is signed online or at the office. If the project is part of a larger investment with a digitalisation or energy-efficiency component, it is worth checking eligibility under Industria Prelucrătoare or Fondul pentru Modernizare.
What does it mean in practice that Uzinex prepares the technical file for EU funds?
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For a valid application under Horizon, PNRR, PoCIDIF or other programs, the file needs detailed technical specifications of the equipment, an implementation plan with deadlines and milestones, a technical justification for the choice of equipment and a budget broken down by eligible categories. We prepare all of this based on the commercial offer, and the accredited consultant integrates it into the format required by the program.
Can I combine several instruments for the same project?
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Yes, in many cases. The typical combination is European funding for the non-repayable part (for example 50% aid intensity) plus leasing for the own contribution. For short-term projects, the alternative is supplier credit for the own contribution, independent of how long the EU application takes to process. We check compatibility for each program.
How strict are the eligibility criteria for direct supplier credit?
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Supplier credit is intended for clients with a commercial history with Uzinex, stable turnover over the last 2-3 financial years and no major banking incidents. We accept 7 types of guarantee instruments, and the exact combination is negotiated based on the amount financed and the client's profile. For new clients, the process is faster through standard leasing.
Are there restrictions on the equipment category for EU funds?
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Each program has a list of CAEN codes and a list of eligible asset types. Industrial production equipment, automation, robotics, energy-efficiency systems and machines that support digitalisation are eligible under most active programs. Transport equipment, furniture and general IT components have variable eligibility. We check this based on the specific offer.
Send us the specifications
and we'll tell you which instrument fits.
Based on the investment value, the company profile and the project timeline, we recommend the instrument with the best balance between total cost, time to decision and rejection risk. The first answer comes within 24-48 hours.
Let's build your
next project together.
Contact our team and receive a personalized offer within a maximum of 24 working hours.
10 Poitiers Blvd, 700671 Iași, Romania