Medium- and long-term lending

If your company needs funds to acquire a business or promising commercial real estate, extend its production capacities, finance the acquisition of complex equipment or to finance reconstruction, RCB Bank Ltd offers medium- and long-term lending solutions in various currencies. 

Depending on the structure of the deal, as part of its medium- and long-term lending programme, the Bank can offer loans and credit lines or issue a letter of credit. The maximum value of a credit line is set on the basis of an assessment of a client’s creditworthiness and its loan repayment capacity based on its formal legal capacity, the specific nature of its operations, its financial sustainability, the risks associated with implementing the project for which financing is required and the borrower’s credit history. 

For medium- and long-term loans, the Bank requires collateral in the form of pledged property, including commercial real estate or other types of collateral. The value of collateral must cover the principal amount, the interest and any risks the Bank may incur if it is forced to sell the collateral. Money is lent by issuing a one-off loan or by opening a credit line based on an examination of individual investment projects.