Working capital financing

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      Credit facility

This is a type of credit in which you can withdraw capital under a credit facility for a period exceeding 12 months.

Product characteristics

  • You only need to prepare a set of borrowing documents for many disbursements.
  • The facility limit is on the outstanding credit balance. Total loan amount can be greater than the facility limit if you pay debt regularly. 

Benefits

  • The lending procedures are simple and convenient, with one set of borrowing documents for many disbursements. That allows you to plan ahead the capital source.
  • Appropriate when you have regular credit demand, fast working capital rotation and good credit history.

      Overdraft limit

This is a type of credit in which you are allowed to spend over the balance in the current account.

Product characteristics

  • You can spend over the balance in the current account within overdraft limit approved.
  • If the account balance is positive, you earn the interest rate on demand deposit. Otherwise, you pay the overdraft interest rate.
  • The principal is paid automatically when any amount is credited to the account.   

Benefits

  • Supplement shortage capital timely, helping you not to miss business opportunities;
  • Meet your needs for short-term credit without any procedures of normal lending.