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Our fundamental principle is the optimum adaptation of our resources to the needs of our customers, finding the most proper solutions for each applicant.
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Our funding offer is destined to companies and comprises funding products with general character, which may be personalized depending on our clients' demands.
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Overdraft
Treasury credits
Credits for investments
Revolving credit lines
Syndicated loans
Personalized funding packs
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1. Overdraft
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It is granted for the funding of operations with precise destination and due date.
It has a very flexible structure
The reimbursement may be made anytime during the facility, by means of the amounts collected in the current account
The maximum granting period: 1 - 30 days
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2. Treasury credits
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They are used in order to cover a treasury need, appeared as a result of a lap between payments and receipts.
The maximum granting period: 1 year (standard)
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3. Investment credits
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It is a funding structure whose reimbursement depends on the liquidity flows generated by the funded project and which is guaranteed with its assets.
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This type of credit has a series of major advantages:
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Ensures the correct identification of the risks afferent to a project, the allocation of these risks between the participants according to the principle of the competences specific to each of them, therefore, the increase of the chances of success of the project;
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The maximum granting period: 5 years
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4. Short-term revolving credit line
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It is destined to funding the current activity carried out by a company, in all its aspects.
It is currently used in the situations in which the cash outflows and inflows are predictable (for example in order to cover the period between the moment of delivery and the moment of the collection of claims)
The customer may draw various amounts, up to a limit of amount and an agreed due date. Once reimbursed, the said amount may be drawn again (revolving facility).
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The maximum granting period: 1 year
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| 5. Syndicated loans |
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The syndicated loan represents a facility granted to a beneficiary by two or more banks (constituted in a syndicate or consortium), according to some common terms and conditions, included in the syndicated credit agreement.
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The complex crediting solutions that may be offered are adapted to the needs of each project and the experience of our specialists from The United Kingdom and Germany, doubled by the financial power of the sole shareholder, my lead to the application of some financial montages of international caliber.
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Syndicated credits allow the long-term funding of great investments in various industrial sectors, in the infrastructure and in the development of public services.
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| 6. Personalized funding packs |
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Funding of imports or exports
Funding of other activities by operational credit
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Funding of some specific needs of the customer, as for example the stock constitution, the funding of production of goods with long production cycle or acquisition of some fixed assets
Generally, the total amount of the credit must be fully drawn up, in only one installment, but, in special cases, it may be drawn in several installments, during a specific availability period.
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