Financing challenges are common among companies that have faced past difficulties such as late loan repayments, insolvency, declining revenues, or issues involving suppliers or clients.
Dionis Bălan is a financial consultant with over ten years of experience in corporate banking and more than five years in consultancy. He manages a diverse client portfolio that spans most economic sectors—from transport, including maritime transport, to manufacturers across various industries, as well as clients in agriculture and defense. He notes that nearly half of his portfolio consists of companies that are difficult to finance due to previous insolvency or repayment issues, and that his banking background gives him a significant advantage in securing funding for these clients.
The financial intermediation services offered by Dionis Bălan rely on market expertise, a solid understanding of financial institutions, and a tailored approach based on each client’s needs. Depending on these needs, he provides real support in securing loans, investment funding, or strategic partnerships.
Financing through loans
Loan financing involves accessing the desired capital from banks within a relatively short timeframe. The main drawback is the monthly interest rate, which varies according to the loan duration.
This type of financing is preferred by companies that do not wish to bring external investors into their ownership structure and want to maintain full independence when implementing their development strategy. Such businesses work with a financial consultant to save time and benefit from professional expertise.
Financing through investment funds or strategic partners
Funding through investment funds or strategic partners is preferred by companies seeking faster growth and willing to sell a minority shareholding, typically under 40%, in exchange for a partner—even under the form of a silent partner.
Businesses that accept investor support or strategic partners benefit from access to new markets and the backing of a partner equally invested in ensuring the new venture becomes profitable.
Investors generally pursue a certain level of investment stability, low risk, and diversification opportunities—criteria often met through bond issuances, especially as these tend to offer higher yields than deposits or government bonds.
As noted by Antonio Oroian, broker at Goldring, “On one hand, I believe issuers prefer bond offerings because majority shareholders are not required to give up part of the company, as they would in the case of an equity listing.” Furthermore, the press has reported that this year is the most dynamic post-1989 year for the Romanian stock market, with a record number of corporate bond placements.
Because the Romanian banking system is heavily bureaucratic, more than 50% of entrepreneurs seeking financing give up. This is where Dionis Bălan steps in, offering tailored solutions: “Every company has different needs. My responsibility is to provide effective solutions and the right strategy to solve their problems.”
“I want to bring new markets to Romania, I want to bring new investment funds to Romania,” says Dionis Bălan. His statement reflects his ongoing efforts to attract foreign investment funds into the Romanian business environment, including current negotiations with an investment fund from Norway.
For more details about Dionis Bălan and his ongoing projects, you can visit https://dionisbalan.ro/ or his official Facebook page.