This facility helps you finance all the current expenses of your business. Thus, if you own at least one current account open at OTP Bank, you can access this product and you can make any type of payment and withdrawal of cash, allowed by the legislation in force.
You can even use it for refinancing the same type of credit from other banks
The granting period of 12 months, with the possibility of extension
The maximum amount that can be contracted is 200,000 lei, correlated with the financial cycle of the company and will be reimbursed from the daily operations
OTP Bank offers you an ideal product for unexpected expenses, available in lei and with no real estate collateral. The semi-standard Credit Line is available for companies whose annual turnover is between 1 and 5 million EUR.
You can refinance same type loans, contracted to other banking institutions
The financing can be granted for a maximum of 12 months, with the possibility of extension
The maximum amount that can be contracted is 300,000 Euro (equivalent in lei), in relation to the annual turnover
OTP Bank offers you a credit line, a flexible product that addresses the companies regardless their domain of activity. With a credit line from OTP Bank you ensure your resources for unexpected payments, you can promptly react to the business’s challenges, and you can move faster in any situation.
The financing can be granted for a maximum of 12 months, the amount being determined according to the current turnover, the financial qualitative analysis and the type of the security;
If you want to get a loan of up to EUR 300.000 (or the equivalent in lei), you benefit from quick approval and simplified analysis.
What do you do when you need financing for your business, but in the same time, you wish to be protected from market and currency exchange fluctuations? OTP Bank offers you the solution that combines these benefits in only one product: fixed interest rate loan for the entire granting period.
You finance your business or refinance other working capital loans from other banks;
The maximum amount that can be borrowed is 1.000.000 lei, for a maximum period of 12 months;
Flexibility in reimbursement: the facility can be revolving or with reimbursement in installments.
If you are looking for a complex service, but one that perfectly suits your financial and treasury needs, then opt for a multi-currency loan limit that can be granted at the level of the group of companies, using different financing products, cash and non-cash, in different currencies, for a certain period of time, within a maximum limit.
Multi-currency The uses can be made in lei or in other foreign currencies;
Multi-borrower: The limit uses can be made by any of the group members, signers of the credit agreement;
Efficiency: The guarantee package is set up for the entire limit, and it is not necessary to restore them for each use.
Do you need financing fast, without material guarantees to cover the risk of non-payments? Then you can choose to outsource the collection and administration of invoices. OTP Bank will buy the commercial receivables resulting from the provision of services or the delivery of goods to business partners.
Financing Partnership with FNGCIMM, FGCR, EximBank
Because we are thinking of the well-being of your business, we have signed collaboration agreements with the National Loan Guarantee Fund for SMEs, the IFN Rural Loan Guarantee Fund and the Export-Import Bank of Romania - EximBank.
Quick, complete and professional response from partners
The real estate purchase loan is the perfect solution either if you wish to take advantage of an opportunity on the real estate market or if you need more space due to the development of your business.
The maximum amount you can contract is 300,000 EUR or lei equivalent, up to 70% of the real estate value