Current Activity Financing
The financing and guarantee solutions offered by Garanti BBVA for corporations
- Best suited loan solutions tailored to meet the corporates’ working capital needs and/or their investments and developments plans.
Overdraft
It is a type of loan through which the Bank puts at the Borrower’s disposal a working capital limit, dimensioned based on the financing gaps in the operational activity of the company.
Product characteristics:
- Type of Loan: credit limit attached to the current account of the company;
- Facility Purpose: financing the Borrower’s current activity;
- Availability Period: 12 months after approval date;
- Maturity: 12 months after approval date;
- Utilizations: anytime during the availability period of the facility to pay the available limit current account attached;
- Repayment: anytime during the life time of the facility, but no later than the maturity date; any inflow to the current account with overdraft limit automatically reduces the loan outstanding and increases correspondingly the available limit of the overdraft.
- Flexible structure: utilizations of the approved limit can be done anytime during the lifetime of the facility without presenting to the bank justifying documents. Repayment is done automatically by the amounts collected in the current account of the company.
- Revolving character: repaid amounts can be reutilized over the entire availability period of the facility.
- Multiple options: multi-currency / multi-borrower, the company can choose the most suitable option for its current activity financing.
Revolving working capital line
It is designed to finance the company’s current activity, with a structure adapted to the Borrower’s business specifics.
Product characteristics:
- Loan Type: revolving credit line;
- Facility purpose: financing the Borrower’s current activity (settlement of the existing obligations towards suppliers, State Budget, salaries, other current expenses etc.);
- Availability Period: 12 months after approval date;
- Maturity: correlated with the specifics of the company activity;
- Utilization: anytime during the use of the facility;
- Repayment: anytime during the life of the facility, but no later than the maturity date.
- Flexible structure: the utilization of the approved limit can be done anytime during the lifetime of the facility based on justifying documents. The maturity of each drawdown is correlated with the cyclical activity of the Borrower. Reimbursements will be made according to the agreed schedule or any time within the final maturity, at the Borrower’s request.
- Revolving character: amounts repaid can be reutilized over the entire availability period of the facility.
- Multiple options: multi-currency/ multi-borrower.
Short-term loan
It is designed to finance the company’s current activity and it is granted with the aim to optimize its operational flow of the company and has predefined destination (payments towards suppliers, salaries, State Budget taxes etc.).
Product characteristics:
- Description: short term loan in Lei /Euro/USD;
- Purpose: financing the company’s current activity, with predefined destination (settlement of current obligations towards suppliers, State Budgets, salaries, other current expenses etc);
- Maturity: max. 12 months from the date of each utilization;
- Utilization: based on justifying documents, in accordance with the purpose of financing. The facility unfolds via a separate account from the current account;
- Reimbursement: each drawdown will be reimbursed in a predetermined number of days, according to the operational cycle of the Borrower;
- Personalized structure: the utilization of the approved limit can be done anytime during the lifetime of the facility, within the maximum loan limit approved. The contractual maturity of each loan utilization can be set at 1, 3 or 6 months interim tenor, according to a repayment plan set based on the company’s cash flow.
- Multiple options: the company can chose the structure that best fits is current activity from the following options: multi-currency, multi-products and / or multi-borrower credit facilities.
Financing the current activity of non-banking financial institutions (IFNs)
- Description: line of credit with a pre-approved limit;
- Purpose: financing current activity of IFNs;
- Availability Period: 12 months from the granting date;
- Maturity: correlated with the duration of contracts financed by IFN CPC Borrower;
- Utilization: anytime during the life of the facility; the facility will unfold through a separate account / accounts from the current account;
- Advantages for the company:
- Flexible structure: the use of approved limit can be done anytime during the life of the facility, based on supportive documentation.
- Multiple options: the company can chose the structure that best fits is current activity having at its disposal following options: multi-currency, multi-products and / or multi-borrower credit facilities.
- Balancing the Borrower’s cash flow
Bancassurance
In order to keep everything in control when it comes to a company, focusing on things that have to be done is mandatory. But in some situations a company can face problems that are uncontrollable. Don’t worry. Fortunately Garanti BBVA offers a set of insurances for commercial buildings, equipments, machinery, fleets, stocks and any other goods. Moreover, our team can assist you and your company with the wide range of insurance products for the loans contracted from Garanti BBVA.
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Ofertă personalizată
Vă rugăm să ne contactați la adresa de e-mail Corporate.Sales@garantibbva.ro
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