Credits

We make funds available in several forms, the CBI remains the best bank to support you.

Cash loans

Target: Any Company or Professional customer with a current account at CBI SA.

Discounting: is an operation by which the bank acquires ownership of a commercial paper (promissory note, bill of exchange, warrant) representing a short-term claim against immediate payment (before maturity) to the bearer (customer) of the reduced nominal fees and interest calculated on the remaining period.

Overdraft facility: one-off, it makes up for a short-term lag with regard to receipts presented by the customer.

the discovery is a credit made available to the customer by the bank and used to make up for a structural imbalance or a lack of funds. It is also a short-term credit by which the bank authorizes its client to withdraw funds from its account for an amount greater than its own availability, for a time and at a rate determined in advance. It can be temporary or permanent.

The seasonal credit: is granted by the bank to companies carrying out a seasonal activity and makes it possible to finance production while waiting for the sales period.

Advance on market: credit granted to the customer within the framework of the execution of a market or an order form for the benefit of the contracting authority against pledge of debt of sum of money and domiciliation of the market or the purchase order.

Bridging credit: credit granted to the customer while waiting for an inflow of money.

Documentary credit: commitment made by the bank (issuing) at the request and in accordance with the instructions of the customer (buyer or originator) to pay immediately or deferred to the supplier (beneficiary), either itself or by through another (advising) bank upon presentation of documents.

The bank intervenes in the financing of public markets and grants its assistance by granting credits or by acting as surety:

Real Estate Credit

Target: any customer with a checking or current account.

The mortgage is a long-term loan intended to cover:

  • a real estate purchase;
  • a real estate construction operation;
  • development work on existing property.

Operating Credit

Target: any customer holding an individual business or company current account.

The operating credit is intended primarily to finance the current or long-term operating needs of business customers. It can be a spot credit which makes it possible to cover large short-term transactions.

Investment credit

Target: any customer with a current account.

Investment credit is intended primarily to finance the medium and long-term investment needs of business and corporate customers. It can also be a spot loan or depreciable loan which makes it possible to cover major short-term transactions.

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