How does the current interest rate evolve during the term of the loan?
During the course of the loan, the current interest rate level may change depending on the evolution of the reference index:➤⠀IRCC* / ROBOR* for ...
Do I need a guarantee for a BT Mic loan?
Depending on the requested amount and the result of the credit analysis, guarantees may be required from you. If you mean real estate guarantees, the financing decision is ...
If I benefit from the risk of non-payment coverage and the insurer pays the compensation, will I also receive the difference in the amount not financed by the Factor?
Events covered in the case of non-recourse factoring are: insolvency or prolonged non-payment by the debtor, and the coverage percentage is between ...
What are the types of factoring offered by BT?
➤ Domestic factoring with/without recourse;➤ Export factoring with/without recourse;➤ Import factoring;➤ Reverse factoring. 🙂
Can BT help me access European funds?
Yes, we can assist you as a financer, at the moment when contracts have been signed with the management authority. 📑Thus, we can finance both the amount ...
Do I receive the advance from the invoice value (financing) on the same day I present the invoices to the Factor?
If we receive the advance payment request (financing) in the first part of the day and all the granting conditions stipulated in the factoring contract are ...
Where can I find more information about loans?
You have the following options:➤⠀you can get information directly from our website, the "Credits" section;➤⠀you can come to any of our units to find out more ...
What is the "APIA credit"?
APIA credit is an advance loan for your business until you receive the subsidy from APIA. 😊It is granted for up to 90% of the amount that ...
Can I pay the agricultural loan after harvest?
Yes, farmers who have agricultural crops benefit from flexibility in setting rates according to the seasonality of the activity. 😃
What is a loan without material guarantees?
The credit granted based on:➤⠀personal guarantees; ➤⠀sub-accounts opened with us;➤⠀and pledge on collections and account balance ...
Can loans be taken out based on APIA subsidies?
Yes, we are a partner of APIA and we grant loans based on the subsidies paid by this institution. 😊
What is the minimum down payment for mortgage loans at BT?
To obtain a mortgage loan from BT, you must have a minimum down payment of 15% of the purchase price of the home. 😁