Cash

Credit lines, loans for working capital, investment loans - plenty of possibilities for a suitable use of funds, according to the company needs.

Credit lines

  • revolving credits, granted both in ROL and in foreign currencies, for financing current activities (production, payments to suppliers, trade, distribution and others)
  • the bank offers funds which can be used partially, according to the client's needs, as long as the total granted amount does not exceed the approved limit
  • the client can make drawings (utilizations) and reimbursements during the whole validity period of the credit line, as long as the daily balance does not exceed the approved limit
  • interest is calculated based on the effective amount used daily

Credits for working capital

  • can be granted both in ROL or foreign currencies
  • can be used for current activities
  • credit reimbursements diminishes the initially approved limit

Investment credits

  • can be granted both in RON or foreign currencies
  • can be used for financing investment projects, approval of a grace period being possible
  • each reimbursement decreases the initially approved limit, future supplementary drawings (utilizations) from the limit are not accepted

Receivables financing

  • can be granted both in RON or foreign currencies
  • granted based on documents such as promissory notes, drafts or invoices assigned in favor of the bank, payment orders confirmed by the payer bank
  • offers the possibility of in cashing the receivables before the maturity of the assigned documents
  • in this case, the documents assigned represent the source of reimbursements, the receivable's financing maturity being related to the maturity of the assigned documents
  • credit reimbursements don't decrease the initially approved limit, allowing further drawings (utilizations) as long as the daily balance does not exceed the approved limit
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