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Short-Term Financing:
These are facilities with a maturity of less than one year and are usually
applied to working capital purposes including increases in trading assets
(debtors, stocks, etc) and the payment of operational bills. Facility
types include:
- Advances
in Current Account (overdraft)
- Invoice/Receivable
Discounting or purchasing
- Contract-Backed/Receivables-Backed
Financing
- Short-Term
Loan
- Bridge
Finance
- Revolving
Credit
- Commercial
Paper
- Factoring
- Bankers
Acceptance
- Standby
Facility
- Syndication/Club
Deals
Medium Term Financing: These
facilities typically have maturities ranging from 2 to 5 years but in some
cases even exceed 5 years. Such facilities are appropriate for permanent working capital purposes, real estate construction or acquisition
and capital expenditure financing including the purchase of new fixed assets or
the replacement of existing fixed
assets. Facility types available include:
- Revolvers
- Project
Finance
- Finance
Lease
- Medium
Term Loans
- Acquisition
Finance
- Syndication
Loans/Club Deals
Trade Finance Solutions: These
comprise a plethora of solutions to enable firms finance the import or export
aspect of their operations.
- Pre-Shipment Finance
- Post-Shipment Finance
- Sight/Deferred Letters of Credit
- Standby Letters of Credit
- Analyzed Bills or Notes
- Forfaiting
- Documentary Discount
- Pre-payment Finance
- Buyer Credit
- Hybrid structures (Loans Against Trust Receipts, LC
with Loan Option)
Contingent Facilities: This
product family involves;
- Guarantees
- Direct-Pay Guarantees
- Cross-Border
Guarantees
- Completion Guarantees
- Bid Bonds
- Performance Bonds
- Advance Payment Guarantees
- Retention Money Bonds
- Documentary Collections
- Standby Letters of Credit
Structured
Finance:
- Structured (standby)
Letters of credit
- Structured
Trade/Commodity Finance
- Warehouse Financing
- Sub-participation
Agreement
- Future-Flow
Pre-Financing
- Tolling
- Buy-Back
- Structured Notes
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