SMEs

Credit line

“Can I pay any current expense related to my activity with only one product?”

ProCredit Bank offers you a product which is especially conceived to cover all the needs of the current activity, in LEI or EUR (up to EUR 150,000 / LEI 640,000) depending on the specificity of the activity that you perform. You enjoy a credit line of up to 12 months with the possibility of extension, without the need to have it covered from your own funds.

• You gain flexibility, by using the credit line for various purposes: paying suppliers, paying current or overdue taxes to the state budget, paying salaries, paying leasing instalments, refinancing credit lines contacted from other financial institutions etc.;
• You save money, by always paying interest only to the used amounts;                                                                                          
• You access the credit line rapidly and safely, through the internet banking service - ProB@nking;                              
• You obtain the increase of thecredit line limit depending on the needs of your business, over the financing period;
• You enjoy flexibility as to the analysis and timeliness for the disbursement decision;
• You know from the beginning all the costs incurred.

Apply on-line and we’ll contact you!

Overdraft

“I need liquid funds NOW. What facility does ProCredit Bank offer me?”

The overdraft is a product by the means of which you can use at once and without other formalities, up to LEI 200,000 over a period of 6 months (with the possibility of extension), which amounts exceed the available funds from the current account of your company. Thus, you have the possibility of a better management of your liquidities, easily over-passing unforeseen situations.

If you have been a client of ProCredit Bank for at least 6 months, and you had collection and payment operations, then you can access, anytime, an additional limit in order to support your activity over 6 months with the possibility of extension, thus avoiding the mismatch between collections and payments.

• You solve any urgent payment situation: loan instalments, payment of a cheque, promissory note etc., thus maintaining stable business relationships with your partners;                                           
• You gain maximum safety as to payments, with no costs if you do not use it;
• It offers you rapidity and control, as it is available directly in the current account of your company;                 
• You can get a limit increaseover the financing period, or it extension upon its final maturity;
• You enjoy flexibility as to the analysis and timeliness for the disbursement decision;
•  You know from the beginning all the costs incurred.

Apply on-line and we’ll contact you!