Credit Facilities

 

Tirana Bank offers other tailor made loans for loyal credit customers, such as:

 Excess Limit – Through this loan product, our bank offers to our existing credit customers the opportunity to overcome the business’ urgent needs for cash. With a swift decision and with no collateral our bank can provide to your business an excess limit up to 3-month tenor.

Bridge Loans- If you plan an investment, but need upfront cash, Tirana Bank can assist you via this credit facility, payable within 12 months from your other investment loan.

Project financing is the analysis of the complete life-cycle of a project in infrastructure, industrial projects, public services, etc, by determining the financial structure between Debt & Equity and counting on the future cash flow to be generated and the sponsors.

The syndicated loan/club deal is a credit facility grated by two or more banks who work together to provide funds for a single borrower. The borrower can be a corporation, a large project or sovereignty, such as a government. The loan can involve a fixed amount of funds, a credit line or a combination of the two.Syndicated loans arise when a project requires an amount too big for a single lender or when a project needs a specialized lender with expertise in a specific asset class. Syndicating the loan allows banks to spread risk and take part in financial opportunities that may be too large for their individual capital base.  

Investment Loan

Investment loan is a facility granted to legal entities or investors that are interested to finance all kind of investments (e.g real estate properties, purchase of stock or bonds), etc.

Medium to Long Term Loan is allocated in several currencies (ALL/EURO/USD) and with a repayment up to 120 months (including a grace period if applicable). It provides the necessary financing to support the business’ development and/or expansion through investment in medium to long term fixed assets, such as acquisition of goods and/or real estate, buildings, vehicles, equipment etc. or consolidating financing standing through refinancing other long-term investments and/or debts.

Our business relationships and officers can offer tailored made solutions for your business needs for working capital. The amount and tenor of a working capital facility are defined according to the operating needs of the Borrower and the operating cycle of its business activity.

Overdrafts

Overdraft is a short-term credit facility, allocated in currencies (ALL/EURO/USD) that allows customer to draw funds from the current account up to the limit approved, circulating it several times. Overdraft  assists business to cover short-term debts, seasonal supplies, purchase of inventory and other dues   related with business current assets.

Credit Line

Credit Line is a short-term credit facility offered to businesses to cover their immediate financial need    on operational cycle, such as the purchase of stocks/inventory, repayment of suppliers or other payments) without significantly affecting the company's liquidity.

 Multipurpose Facility-MPF

Multipurpose Facility is a short-term credit facility offered to businesses that need also Bank Guarantees or Letter of Credit, which can be paid via bank’s fund, in case your business lacks liquidity