Clients use short-term financing to bridge short-term liquidity requirements. It is contracted with repayment term of 12 months and used to finance working capital:
- Liquidity loans (HRK, FX, HRK with currency clause)
- Authorized HRK or FX account overdraft
- Multipurpose facility
- Factoring – purchase of receivables
- Bills of exchange discount
Multipurpose facilities are used for working capital, guarantees, letters of credit, FX limits and purchase of receivables. Funds from granted facilities are made available to clients very fast.