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 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.
•  At ProCredit Bank you are permanently assisted by a client adviser dedicated to your business, who is there to answer and counsel you as to the products and services which best suit your business. This is an advantage, as it offers you a direct relationship with us, along with added accessibility and flexibility.

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, over a period of 6 months (with the possibility of extension), amounts that 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 emergency 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 increase over 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;
• At ProCredit Bank you are permanently assisted by a client adviser dedicated to your business, who is there to answer and counsel you as to the products and services which best suit your business. This is an advantage, as it offers you a direct relationship with us, along with added accessibility and flexibility.