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Financing your business's general needs

Your business plan can be achieved faster with UniCredit Bank's support.

Working capital line for small and medium enterprises

We know it’s hard to start a new business, but you can easily get the support you need to make it grow!

That’s why we offer you working capital line for small enterprises.

Choose the 12-month credit line, which you can renew at maturity, and for which all utilizations and repayments can be easily realized via BusinessNet.

 

 

Benefits of the working capital line:

  • Accessibility: you can access the funds necessary for short-term business-generated needs, to cover the gap between earnings and payments, to pay for suppliers, utilities, or other current expenses.
  • Flexibility: available in lei or euros according to the activity and needs of your business.
  • Better evidence of liquidity: Amounts can be used in any current account, and reimbursements can be made from any current account, allowing evidence of amounts used or collected in separate accounts
  • Availability: utilization and reimbursement requests and related documentation, if any, can be transmitted to the Bank with ease via BusinessNet.

For current payments, the Business Credit Card or the General Needs Term Loan may be useful.

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Working capital line - overdraft type for small and medium enterprises

We know it’s hard to start a new business, but you can easily get the support you need to make it grow!

That’s why we offer you the working capital line - overdraft type for small enterprises.

Choose the 12-month credit line, which you can renew at maturity.

Benefits of the working capital line - overdraft type:

  • Accessibility: you can access the funds necessary to cover the gap between payments and incoming payments, unexpected expenses, letters of guarantee, credit issuance or other expenses related to current activity.
  • Flexibility: available in lei, according to the activity and needs of your business.
  • Time saver: no justification documents required for general expenditures, so you don’t have to come in our branches for every payment you need to make.

For current payments, the Business Credit Card or the General Needs Term Loan may be useful.

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The loan is addressed mainly to companies that want to correlate their incoming payments related to commercial contracts with the reimbursement schedule of a bank’s loan or to those that want a clear product’s reimbursement scheme for a better control of their liquidities.

 

The loan is offered for a period of maximum 5 years and can be used for general expenses, raw materials, materials, inventories acquisition, commercial contracts financing.

This product also responds to the needs of companies that run seasonal activities.

 

 

 

You have the following benefits:

  • The loan can be granted in: lei or euro;
  • You can opt for monthly reimbursement or, in case of seasonal activities, quarterly reimbursement;
  • You can use the guarantees issued by the National / International Guarantee Funds.

 

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