Target Group:

This type of financing is designed to meet the needs of corporations dedicated to any of their development cycles. Financing for corporations and large businesses is supported by the management of extensive expertise by executives and specialists with profound knowledge of corporate operations and management. Large businesses/Corporations will be financed to meet their needs for circulating assets or investments.

Financing for Circulating Capital:

The loan for circulating capital shall finance inventory purchases, supplier payments, state tax payments, as well as other short-term payments to third parties. This product is provided in three forms: Overdraft/Bank Advance – Main features This loan facility entitles the customer to have a negative balance in his current account. The client can use the funds to cover his operating expenses and short-term liabilities. Usage of the disbursed amount and loan repayment directly from the current account enabling the re-use of the amount repaid across the entire line validity makes Overdraft a very flexible, fast and renewable financing line. Interest: estimated daily on the amount used Currency: according to customer needs and in accordance with the current account Duration: Some days up to one year Revolving loan (credit line)  key features   Maximum maturity term: 12 months Currency: according to the needs of the client Limit: Renewable Scope: Freedom of use up to the specified limit; Settlement: Flexible, not according to a fixed plan; Interest: Calculated on a daily basis on the amount used and is paid every three months from the first disbursement date according to a plan fixed in advance.   Short-term Loan – Main Features   Maximum maturity term: 36 months Amount: Depending on the solvency and the financial performance Settlement:  According to the amortization plan, different from the first loan.

Investment and financing loans in fixed assets:

This loan will be used by the client to finance the expansion or development of the business or corporation by investing in sustainable assets such as premises, buildings, equipment. These investments generally contribute to business consolidation, development and sustainability.  

• Maximum term: 180 months
• Disbursement: Immediate or with instalments according to the investment plan;
• Settlement: According to a fixed amortization plan;
• Grace option for the principal: Up to 18 months.

Loans on different terms and conditions

The large business/corporation can also be credited under other requirements within the framework of co-operation with international financial institutions, such as IFC, EBRD, Cooperazione Italiana, EU etc. or through Leasing as provided by the bank’s terms.

Incaso” Limited Financing

The group of clients who may apply for incaso limit loan shall meet the following criteria:

• Client must have 3 years of positive historic with the Bank;
• Client has at least 1-year positive cooperation relationship with the exporter;
• The client is in good standing and stable financial situation verified through financial statements;
• Client circulates at least 70% of its activity turnover through Credins Bank.

Do you need more information?

See you in our branch! This message is for promotional purposes This type of financing is designed to meet the needs of corporations dedicated to any of their development cycles. Financing for corporations and large businesses is supported by the management of extensive expertise by executives and specialists with profound knowledge of corporate operations and management.