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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