Corporate Loans

Revolving Loans

• A type of loan that allows the client to withdraw and deposit money at any time within a certain limit in order to meet short-term loan needs.
• Interest is accrued and collected on a quarterly basis.
• These loans are sensitive to changes in interest rates in the market.

Spot Loans

• A type of loan to meet short-term urgent cash needs.
• The loan amount, interest rate and maturity are determined on the date of disbursement and do not change until maturity.
• They allow you to borrow at fixed interest rates in changing market conditions.
• At the end of the term, the loan is closed together with the principal amount and interest.

Installment Commercial Loans

• Loans which can be used to purchase goods with advance payment and meet a business’ needs.
• They are installment loans whose payments can be made on a flexible or fixed basis and which are disbursed with a specific maturity and payment plan.

Foreign Currency Indexed Loans

• These loans are indexed to a specific foreign currency and disbursed in TRY at the prevailing foreign exchange buying rates. Their principal and interest repayment amounts are calculated according to the type and amount of the indexed foreign currency and collected in TRY. Foreign Currency Indexed Loans can also be obtained as spot or installment loans.

Murabaha

• A method of sale compliant with the Islamic Law. Goods are purchased by making payment in advance, then sold on credit with the addition of a profit.
• Pursuant to an agreement signed between the parties in accordance with the Principles and Standards of Participation Banking, our clients are provided financing at the agreed profit rates for the goods they would like to purchase.
• The purchase price or cost of the goods, the sales price and the repayment term are determined at the very beginning and included in the Murabaha Contract.
• Installment sales are made according to the needs of our clients, allowing them to make their payments in installments.
• The financing support allows payment and borrowing in TRY or foreign currency.

Taxable Foreign Currency Loans

• Foreign currency loans in the amount of USD 5 million or above with an average maturity longer than one year or foreign currency loans disbursed for commercial and professional purposes, not exceeding the foreign currency security amount issued by or under the collateral of central governments and central banks of member countries of the Organization for Economic Cooperation and Development (OECD) and/or the foreign currency kept in their Branches in Turkey as collateral.

Receivables Financing

• It is a transaction where your receivables on maturity are converted to cash before maturity, in return for their transfer to our Bank through assignment.