Corporate Lending

Letter of Credit (LC), Bank Guarantee (BG), and Overdraft (OD) are essential financial instruments that help businesses manage risk and improve cash flow.

Letter of Credit (LC): This is a guarantee from a bank that ensures payment to a supplier once terms are met, minimizing the risk of non-payment in international trade.

Bank Guarantee (BG): A BG provides security to the beneficiary in case the borrower defaults on a financial commitment, making it ideal for contracts and large transactions.

Overdraft (OD): An overdraft allows businesses to withdraw more than their account balance up to an agreed limit, offering flexibility to meet short-term cash flow needs.

Project financing is a strategic funding option designed to support large-scale projects, such as infrastructure, construction, and energy developments. It involves securing capital through loans or investments that are repaid from the project's future cash flows rather than the company’s balance sheet. This financing method is ideal for projects with high capital requirements and long timelines, allowing businesses to undertake significant initiatives without risking their core operations. With a strong focus on risk management, project financing enables companies to raise funds while spreading risk among multiple stakeholders, ensuring the successful execution and completion of major projects.

Structured financing is a customized financial solution designed to meet the complex funding needs of businesses and projects. It involves creating tailored financial products that combine different elements, such as debt, equity, and derivatives, to address specific objectives and risks. Often used for large-scale projects or unique business situations, structured financing offers flexibility and can help manage risks associated with fluctuating cash flows, asset-backed financing, or cross-border transactions. This approach allows businesses to access capital while aligning financial strategies with their long-term goals, ensuring greater financial stability and growth potential.