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SERVICE · FOR COMPANIES

Money-market financing

The right funding is more than a bank loan.

The capacity of the banking network and credit instruments is reviewed to choose the right route to the funds your business needs.

For
Companies
Provider
Indirect
OVERVIEW

About this service

This service finds the right routes to liquidity and working capital for companies. Reviewing the funding need, cash flow, credit standing and collateral capacity makes instruments such as facilities, debt purchase, GAM papers and other credit methods available to consider. Final terms depend on the rules of the bank or funding institution.

INSTRUMENTS

Available instruments

  1. Working-capital facilitiesShort-term liquidity for raw materials and running costs.
  2. Debt purchase (receivables)Turning receivables and term trade bills into cash before maturity.
  3. GAM papersProductive credit certificates for financing the production chain.
  4. Bills of exchangeA bank trade bill for deferred payment to suppliers.
  5. Letter of credit (LC)A domestic or foreign payment instrument in which the bank undertakes to pay the seller.
  6. Special deposit certificatesSpecial bank deposit certificates that fund specific projects.
  7. Bank guaranteesAll types of bank guarantees from the country's banking network.
FAQ

Questions about this service

Which companies is bank financing suited to?
Companies with a short- to medium-term need, enough collateral or guarantors, and an acceptable account history and turnover with banks. We prepare the file and introduce you to a suitable partner bank.
Is bank financing only for working capital?
No. Besides working capital there are facilities for raw materials, expansion projects and machinery, plus instruments such as bank guarantees and letters of credit. The facility type is chosen to fit the need and repayment capacity.
How is the bank-loan rate set?
The Money and Credit Council sets the rate ceiling, and each bank sets terms within it based on contract type, term, the customer's credit and collateral. The effective cost also depends on fees and side requirements (such as compensating deposits), and we calculate it for you before you decide.
How long does it take to get a bank facility?
It depends on the bank, the facility type and amount, how complete the file is and the collateral appraisal, ranging from a few weeks to a few months. A fully prepared file before approaching the bank shortens it.
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