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You can find out what are the necessary documents when applying for a credit, as well as the collaterals that can be requested by the bank during the process.
Documents required from customers
- written application for the credit
- legal documents for the registration and functioning of the company
- written agreement (consent) for consulting the CRB files
- financial statements: balance sheets for the past 2 years and the latest trial balance available
- cash - flow projection (except overdraft, non cash facilities and credits guaranteed with liquid collaterals)
- investment projection (for investment credits only)
- ownership certificate for assets or merchandise offered as collateral
- others
Collaterals accepted
The bank requires solid guarantees:
- mortgages
- pledge on goods, merchandise, equipment, shares, cash
- assignment of receivables
- letters of guarantee
- letter of comfort
- documents/payment instruments ( payment orders confirmed by the payer bank, cheques/ promissory notes assigned in favor of the bank)
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