SME Banking

SME short term loans

• up to 12 months
• to support commercial activities- increase working capital; business growth & Profitability
• With flexible terms of repayment based business’s cashflow

SME medium term loans

• between 18-36 months
• expansion of business operations and funding of working capital
• financing of capital expenditure
• we offer flexible repayment structure

Inventory financing facilities

• for product stocking and inventory financing
• offers a working capital support as payment to suppliers
• up to 18 months

Receivable backed working capital lending

• For partial release of value from Interim Payment Certificate
• facility amount per transaction is a maximum of Cedi equivalent of US$500,000.00 and up to 60% of the total contract sum/IPC

Contractor financing

• short and medium term construction finance.

We also support the issuance of the following contract requirements;

• bid bonds
•  performance bonds
•  advance payment bonds
• Retention bonds

Import and export financing

• to enhance trade - import documentary credit; import bills; export documentary credit; export bills; guarantees; export invoice finance

Bridge financing

• short term facility
• to augment customers working capital in the interim

LPO financing

• to fund supply contracts
• up to 180 days (longer term deals may considered)
• the facility amount per transaction is a maximum of Cedi equivalent of US$500,000.00 and up to 70% of the LPO value

Vehicle and Asset Financing

• to provide an effective value-for-money capital expenditure financing programme to each stakeholder to facilitate the acquisition of critical assets for business and personal use
• products include- finance lease; Sale and Lease back; vendor leasing; operating lease; household asset finance; fleet finance; equipment finance; Asset Release