Small and Medium Enterprises
Financing
We offer a wide range of the financing solutions combined with the flexible appraisal of creditworthiness and the possibility of using the broadest range of client’s assets as collateral.
The financing is provided to business entities that:
- have been operating for at least two years, and
- operate in selected production, service, retail, wholesale and transport sectors, and
- generate a minimum annual turnover of EUR 2 million, and
- have positive equity and operating income, and
- have a transparent shareholder structure.
Long-term loans
Long-term loans are designed for financing the purchases of fixed assets (property, plant and equipment) or the construction/reconstruction of main business premises.
Working capital financing
Working capital financing (receivables and inventories) can be provided via an overdraft facility or short-term revolving credit line backed by collateral.
Refinancing
Another possibility for investment or working capital financing is the refinancing of the existing liabilities of the company with the aim to optimize the capital structure of a client.
Contract financing
For well-established clients with positive track record, we can provide financing of their customer contracts with maturity up to 2 years including the pre-shipment period which shall not be longer than 1 year.
Loyalty programs
Loyalty programs include an overdraft, Trade and Treasury products up to EUR 200 thousand.
Other types of financing
Other types of financing can be provided under the Trade structure.
