Corporate: Loans
- 1. Overdraft Financing
- 2. Working Capital Financing
- 3. Investment Loan Financing
What is overdraft financing?
Overdraft financing is credit facility allowing the drawing of funds from the currentaccount up to the limit approved.
The extra cash in hand to be used to cover operating expenses or to accommodate seasonal fluctuations provides a smooth cash flow cover and helps the company to make an easier management of short-term debts.
Overdraft is a very flexible financing tool as the company can draw and repay the funds directly in the current account and has the possibility to reuse the repaid funds during the entire validity of the facility.
Key features
Quick and renewable financing
Can be allocated in several currencies (ALL / EURO / USD)
Interest is paid only on amount used – calculated on a daily basis
Flexibility in tenor - from one to up to 12 months
What is working capital financing?
Working capital financing is a short-term loan used for financing the customer’s current business activities.
Working capital financing provides the possibility to up to finance 36 months business operational needs (i.e purchase of stocks /inventory, repayment of suppliers or other payments) without significantly affecting the company's liquidity.
The repayment schedule adheres to the business cycle being adjusted on fixed monthly or quarterly repayments coherent with company's estimated cash flow.
Key features
Quick and easy to arrange
Can be allocated in several currencies (ALL / EURO / USD)
What is investment loan?
Investment loan provides the necessary financing to support the business development and/or expansion through investment in long term fixed assets such as acquisition of goods and / or real estate, buildings, vehicles, equipment etc. or consolidating financing standing through refinancing other long term investments and / or debts.
Key features
The repayment tenor up to 120 months
Provides the neccessary cushion and adjustment to the internal cash flow for better management of liquidity (including a grace period if applicable)