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48 questions and answers
Only for BT clients

What can I use the study credit for?

You can use the study loan for:➤⠀paying tuition fees;➤⠀for a Work&Travel program per year;➤⠀for related expenses ...

4 votes
Only for BT clients

Can I get a loan without having to justify the use of the money?

Unsecured loans give you money to cover several types of needs, without having to prove it through documents ...

25 votes
Only for BT clients

I would be interested in financing for medical services, but I would like to know what interest rates are practiced (possibly an APR)?

The costs of financing are directly proportional to the risk of a business, and the rating given by financial indicators and not only, influences in a ...

4 votes

When should I resort to factoring?

When you want to convert a payment due into immediate liquidity and additionally obtain other services bundled such as:➤⠀collection ...

4 votes

How do I justify the money used to start an investment?

In general, you can justify the money through invoices and work estimates. 📑

3 votes

What is the standard period for granting a factoring ceiling?

The period for granting a factoring limit is 12 months with the possibility of extension, and the maximum accepted contractual payment term is ...

3 votes
Only for BT clients

Through this program, is funding offered only for businesses or can I also obtain a loan to go for a specialization in Belgium?

The Division for Doctors tries to respond to the needs of a doctor from any perspective, be it business or personal. Therefore, if you are a doctor with ...

1 votes

Why is there a penalty fee for a non-recourse factoring ceiling?

Penalty fee at a factoring ceiling without recourse can appear during its course only if:➤ a limited recourse situation arises ...

1 votes
Only for BT clients

What are the fields covered under the umbrella of "medical business"?

Because a medical business can be managed by specialists from the Medical Division, it must have a medical CAEN, and the doctor ...

2 votes
Only for BT clients

Regarding loans for equipment, do you have a list of approved medical equipment suppliers? Can better purchase conditions be obtained?

We have suppliers who want to list equipment at a discounted price, but others either are not allowed by the company's policy to do this or simply ...

7 votes

Do I need to ask the Factor for an advance (financing) for all invoices?

Given that the entire commercial relationship with your partner (the Debtor) will be assigned to the Factor, all invoices will be collected and ...

1 votes

Is there consulting or banking assistance for doctors who open medical offices?

The Medical Division of Transilvania Bank has celebrated 17 years of existence in the service of doctors, and we can state that we are the only bank in Romania with ...

6 votes
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