To finance the current needs of its business, under favorable and adequate conditions, giving it the possibility to continue operating without endangering the normal operating cycle.

BUSINESS CREDIT

Short / medium term financing in the form of income credit or letter / security discount.


Reimbursement period:
Up to 2 years, in monthly or quarterly installments and may be renewable.


Warranties:



• Guarantee;
• Mortgages;
• Financial investments;


Title:
Notes or contract.


Advantages:



• With fast and competitive rates you can anticipate your receipts;
• Amount according to the needs of the company.

CURRENT ESCROW ACCOUNT

Short-term funds allocated to companies, which aims to prevent any shortage of cash from your company.



Term:


6 Months, renewable through analysis of company accounts and movement of the period.


Minimum Amount


Plafond available to the company.


Movement:


A debit: to credit the current account, by transfer order of the customer or automatically to cover the outstanding balance of the deposit account up to the maximum amount of the C / CC.


A Credit: by debit of the account to order, by transfer order or automatically by the balance available in the deposit account up to the amount used in the C / CC.


Interest rate:


Consult the pricing in force in the BCA, will be differentiated depending on the guarantees received.


Warranties:



• Guarantee;
• Mortgage;
• Security;
• Capturing term deposits;

Necessary documents


• Written request;
• Documents proving the purpose of the loan;
• Company income (balance sheets / income statements / balance sheets)

Other information


• Letter contract + lease;
• Other documents related to the guarantees received.

Advantages:

• Permanent financing of the company's treasury;
• timely response;
• The interest is counted on a day-to-day basis, focusing exclusively on the amount actually used.

OVERDRAFT BANKING

Short-term credit method that seeks to satisfy anomalous situations in the provisioning of the current account, that is, to fill unforeseen circumstances.


Amount:
to be negotiated.


Term:
maximum 30 days.








Reimbursement:
to negotiate.


Interest rate:
consult the current precariousness in the BCA.


Necessary documents



• Formalize the request by letter;


Conditions of access:



• Have repayment capacity (effort rate);
• Prove income;

Quick Access

BECOME A BCA CUSTOMER

Learn the advantages of being a BCA customer, start here your relationship with our Bank.

FORMS

Here are the application forms to join the various products and services that BCA has at its disposal.

MARKETS

See the space dedicated to the Capital Markets in Cabo Verde.

BCA REAL ESTATE

Purchase an apartment, a house, a building, or a space for your business / office, through BCA.

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