A credit facility drawn directly from your current account and repaid automatically whenever funds are received
A credit facility drawn directly from your current account and repaid automatically whenever funds are received
Benefits
Flexible financing for long-term business planning
A financial product tailored to the customer’s needs
Loan structure tailored to the customer’s specific requirements
Quick response after submission of the required documents
Long repayment term – up to 120 months
Individual repayment schedule tailored to the nature of the business
Repeated drawdowns and repayments within the loan amount and term
Option to extend the term
No requirement to repay the credit limit before extending the term
Immediate access to additional funds
Draw funds from your current account and repay automatically whenever money is received
Effective management of interest costs
Financing for needs arising from ordinary day-to-day business activities
Recurring payments to suppliers
Advance payments to suppliers
Timely payment for goods and services
Unexpected expenses
Expanding the product range
Allowing your customers to pay later
Suitable activities – retail trade, shops, warehouses and others.
The loan amount is determined by the applicant’s ability to repay, the transaction structure and the proposed collateral
For existing customers: up to 40% of annual sales revenue and up to 40% of the credit-side turnover on the applicant’s current accounts with DBank and other servicing banks over the past 12 months
For new customers: up to 20% of annual sales revenue and up to 20% of the credit-side turnover on the applicant’s current accounts with other servicing banks over the past 12 months
The loan amount is aligned with the credit-side turnover on your current account with DBank and/or other servicing banks
The agreed amount may be drawn down for the stated purpose in a single payment or in instalments
Draw down and repay funds through your current account without a prior request
Option to draw down loan funds in cash or by bank transfer
Term of up to 120 months, depending on the collateral offered, transaction structure and customer profile
When refinancing liabilities to other banks, financing may also cover fees and charges connected with early repayment of the refinanced exposure
No business plan or projected cash flows required
Any collateral acceptable to the Bank
Recurring payments
Regular payment of expenses incurred for goods and services
