What are the advantages of factoring?
Factoring presents the following advantages:➤⠀payment on term ➡ immediate liquidity➤⠀you have higher sales ➡ you have higher receivables ➡ you receive financing more ...
What happens with the guarantees if I repay the entire loan?
In case you fully repay the financing, at term or in advance, all constituted guarantees will be canceled. 😎
What is the maximum repayment period for a loan from the Medical Division?
The maximum period for which the loan is granted varies:➤⠀5 years for professional needs loans➤⠀7 years for equipment➤⠀15 years for investments ...
Is the file analysis done through AI mechanisms or by bank employees?
Gathering part of the information and certain interpretations thereof are automated, but the final decision is made according to clear criteria, ...
A company can refinance a loan granted to a shareholder or its administrator as an individual? But inversely?
A company cannot refinance loans granted to its individual shareholders or associates. 😕But the shareholders or administrators of a company can ...
What are the steps I need to follow if I want to open a dental office?
From a financing point of view, you would have easier access to credit if you already received income from providing dental services through an entity ...
For the purchase of used transport vehicles, under what conditions can one benefit from leasing and what would be the down payment?
We can finance the purchase of second-hand cars from the external environment (DE) under the following conditions: ➤ if the company is a start-up (< 12 months of activity) ...
I have been employed for about 6 years and have an average salary. I have not had any company until now. How can I get a BT Mic loan?
First of all, you need to establish a legal entity (PFA, II, SRL etc), prepare the first 3 balance sheets in which you recorded income and ...
For what period can I receive an investment loan from BT?
Investment loans are granted for a period of up to 15 years. ⏳However, in determining the exact credit period, we take into ...
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 ...