Operating Credit

Do you want to guarantee yourself a cash reserve, to cover short-term cash flow fluctuations in your company? With Operating Credit, you only pay for what you use.

The Operating Credit allows you to finance current assets, to have funds at any time to ensure the payment of operating expenses (raw materials, salaries, etc.) while waiting for sales to be collected. You have more room to maneuver and can manage your cash flow with peace of mind.

The interest rate of the credit is determined after a thorough analysis of your project, in particular based on your business plan, your guarantees and your solvency. It is possible to obtain an operating credit based on the SARON rate to the extent that you agree to know the amount of interest due only at the end of the corresponding statement period which is 3 months.

Then, you pay interest only on the portion of the credit actually used.

Your credit is renewable annually, according to your needs, and on the basis of your balance sheet and income statement.

Investment Credit

You want to invest in installations, machines, vehicles, for an extension or even a renovation of your company. Carry out your medium and long term projects with the Investment Credit..

Choose Investment Credit

You finance medium or long term investments for your business activities. This can be installations: machines, IT equipment, vehicles, or infrastructures: extension, construction, renovation.
The Investment Credit provides you with the financing necessary for the success of your business.
We offer it to you in the form of loans, with variable or fixed terms and rates according to your needs. Various financial combinations are possible, adapted to each type of investment, according to its purpose and the expected depreciation. The interest rate of the credit is determined after a thorough analysis of your project, in particular according to your business plan, your guarantees and your solvency. It is possible to obtain an investment credit based on the SARON rate to the extent that you agree to know the amount of interest due only at the end of the corresponding statement period which is 3 months.

Questions and answers

• What steps should I take for my Investment Credit application?

  During a personalized interview, your advisor will determine your financing needs with you. Based on the documents you provide, he will assess the financial health of your company and the quality of the guarantees offered.
  At the end of the analysis, a tailor-made offer will be proposed to you.

• How is the interest rate determined?

  Your rate is set based on risk, market conditions, guarantees and your overall relationship with our bank.

• What documents must be submitted for the examination of my Investment Credit application?

  If your company already exists, you can prepare the following documents:

  • - Balance sheet, profit and loss accounts and report of the auditing body (if required by law), ideally for the last three financial years
  • - Operating budget for the following year and cash flow plan
  • - Extract from the Office of Prosecutions
  • - Extract from the Commercial Register
  • - Investment/financing plan linked to the project to be financed

  If your credit application concerns a newly created company:

  • - Operating budget for the 1st year and cash flow plan
  • - Business plan
  • - Certificate of registration of the company with the Commercial Register
  • - Investment/financing plan linked to the project to be financed

• Can I get a quick operating loan without collateral?

  Provided that the file is complete and the solvency of your company is proven, the bank will be able to quickly decide whether to grant a loan without guarantee (blank).