Multiproduct Line
Your day-to-day needs under a single line
Our Multiproduct Line allows you to unify all your working capital financing solutions under a single contract. Everything is quicker and easier to manage.
One line, multiple solutions
Foreign trade transactions, confirming, discounts, working capital loans or loans to finance tax payments… Get access to everything your company needs through a single line, without having to subscribe products separately.
Quick and easy paperwork
A single policy which allows access to several working capital financing products. Less paperwork, greater efficiency and more time for what truly matters.
Flexibility
Decide how and when to use each product depending on your business's needs.
Management optimisation
By centralising operating procedures under a single line, you improve planning and monitoring, in addition to managing the business with greater autonomy, transparency and speed on your remote banking service.
Credit Account
The account that allows you to use the associated credit* for your business's frequent and extraordinary expenses.
- Flexibility
- Fixed or variable interest rates
- Early repayment
Confirming
Thanks to confirming (also known as reverse factoring), you can unify payments to your suppliers, finance your payments and bring forward invoice collection. Easier for you, more advantages for your suppliers.
- Centralise your payments
- Ensure payments to you suppliers
- Maintain your liquidity
Split-Payment Loan
You can finance your tax payments without losing liquidity with a Split-Payment Loan. An easier way to plan your accounts.
- Get up to €100,000 in liquidity
- You have up to three months to repay it
- Pay by direct debit and avoid late-payment surcharges
Foreign Trade Line
A specific credit line for your foreign trade transactions. The most efficient way to boost your business in other countries.
- A single credit line for all your transactions
- Quick and immediate, without the need to approve each transaction separately
- Up to 22 tradable currencies
- Flexible credit limit tailored to your needs
Commercial Discount
Advance* the collection of receipts, bills of exchange and other commercial effects typical of your business activity.
- Early collection
- Fixed or variable interest rate
- Online consultation
- Collection management
It is a flexible financing solution that allows you to access several working capital products under a single contract.
At companies and the self-employed, making it easier for them to manage their working capital financing more efficiently, without having to subscribe each product separately.
- A single risk profile study is conducted.
- A single notarial signature.
- Unified working capital financing management.
Confirming, international business, discounts, and working capital and tax payment loans.
- The line has an overall credit limit which cannot be exceeded.
- The products selected within the line have their own limit within the overall credit limit.
- The company may make drawdowns depending on its needs within the assigned limits.
In order to subscribe this product, you have to go to your branch or specialised manager.
(*) Concession subject to the bank's discretion.
Can we help you?
You can also contact the Bank by calling at 952 60 67 67 or through the contact form.
The telephone service hours are Monday to Saturday from 8:00 a.m. to 10:00 p.m. (except national holidays).