BPR Bank facilitates local and cross-border trading through operations and liquidity financing, as well as mitigating risks inherent in trade.

Choose from our range of Trade finance solutions based on your unique needs.

Is your business in need of financing for a short-term project or the acquisition of an asset? Our loan products are designed with your needs in mind.

Your business needs to be liquid in order to run its day-to-day processes. We are here to ensure that operations run smoothly so you can focus on providing the best service while growing your business.

Benefits

  • Flexibility in withdrawal
  • The customer can draw money as needed from time to time, as long as the overdraft limit is not exceeded.
  • Low cost
  • The cost of borrowing is low, since interest is only charged on the overdrawn balance.
  • Improved liquidity
  • It improves the customers’ liquidity position, allowing the business to run smoothly.

    Don’t be caught in a mess. If you have a business emergency or need to service a particular need, then this is the financial plan for you. With the great rates and quick approval, you will literally be saving time and money.

    Benefits

  • Friendly terms
  • Pay back the loan flexibly over a period of 6 months.
  • Quick approval/li> Enjoy a quicker approval and disbursement process for your loan and have your cash almost instantly.

  • Embark on a long-term project with the assurance that we have your back. This product is built to help you scale up by allowing you to take up a business mortgage or finance projects that will build your company.

    Choose financing with great terms. We offer you long term loans for your projects or acquisition of infrastructure based on your projections. It doesn’t get any better than that.

    Benefits

  • Allows you to run your project
  • It gives you the ability to get financing that is not tied to the project sponsor’s ability.
  • Tailored to project
  • Get a loan that is structured and driven by the specific characteristics of each project.

    Through our resources, we are well placed to ensure that our corporate and institutional customers meet their financial and capital raising needs. Go ahead with us.

    Looking for long-term financing for a large project? A syndicated term loan is the best bet. Being a curation of various lenders, it works perfectly for both parties, allowing for diversification of credit risk for the bank and the full funding for the customer.

    Through investing in bonds, you can raise funds for your short to medium term projects. With our expertise, we enable our clients to obtain financing for long-term projects and large ticket expenditure programs.

    Benefits

  • Improved returns on project
  • By lowering the cost of funds you will obtain a fixed or floating rate pricing from the market, thus improving the total return from your project.
  • Enjoy a fixed rate
  • Obtain fixed rate pricing from the bond market and thus lock-in your funding costs for the duration of the borrowing period.

    Don’t stall your project due to any unreceived payments. Our working capital loan facility allows you to stay liquid pending any receipts or collection of payment for work already invoiced. This facility offers the benefit of managing working capital and cash flow requirements for the contractor such as wages, salaries and other supplier payments pending collections.

    Benefits

  • Immediate access to funds
  • Immediate access to the proceeds of sales regardless of unreceived payment from customers
  • Simple process
  • Enjoy a simple application process for this credit facility
  • Simple security requirements
  • Enjoy additional working capital with simplified security requirements

    This credit facility is extended to producers of products who do not have access to Balance Sheet Lending. The producer obtains liquidity by leveraging his inventories well before the goods are sold into the market.

    Benefits

  • Immediate access to funds
  • Immediate access to the proceeds of sales regardless of unreceived payment from customers
  • Simple process
  • Enjoy a simple application process for this credit facility
  • Simple security requirements
  • Enjoy additional working capital with simplified security requirements

    We enable the importation and exportation of goods by handling the documents presented in the required order. This could be cash against documents, acceptance documents and/or the banks guarantee.

    Benefits

  • Low bank charges
  • They are cheaper than LC’s in terms of lower bank charges
  • Short processing time
  • Enjoy short processing periods and speedy payments
  • Assured payment
  • If documents are against acceptance (DA), it allows an importer a period of credit while assuring the exporter of payments
  • Flexible bill settlement
  • The drawee has flexibility on settlement of bills (especially for documents against acceptance)
  • No impact on customer’s credit lines
  • It bears no impact on the customer’s credit lines

    We have collaborated with dealer partners to ensure that our corporate clients enjoy the best rates during acquisition and leasing of fleets.

    Benefits

  • Get full financing
  • This is a full capital pay out lease
  • Lessor owns the asset.
  • The asset is in full ownership of the lessor.
  • Lessee benefits
  • Get income tax deduction for wear and tear of the asset
  • VAT terms
  • The client gets to claim VAT input credits based on the financier’s invoice subject to normal VAT rules. VAT is charged on each lease rental.

    When you receive an order from a known buyer but are unable to finance it from your own resources, BPR BANK will offer you LPO Financing to enable you fulfil the order.

    Benefits

  • Up to 70% financing
  • Get financing of up to 70% of cost of items to be supplied.
  • Flexible security requirement
  • Security requirements to take up this loan are dependent on amount.
  • Low interest rate
  • Enjoy low interest rates on your loan
  • Quick approval process
  • Enjoy a quick approval process for your loan
  • 0 days or less payment disbursement
  • Disbursement takes a maximum period of 90 days depending on the terms of the LPO

    Letters of Credit help reduce the various risks that come with local and international trade. We support you by guaranteeing payment to your supplier if specified terms are met.

    Benefits

  • Guaranteed payment
  • Payment is guaranteed by the issuing bank to the confirming bank, as long as compliant documents are presented.
  • Reduced risks
  • Risks usually encountered by the buyer are mitigated.
  • Allows multiple shipments
  • Allows for multiple/continuous shipments as long as quality of products and price are guaranteed by an independent pre-shipment inspection company.
  • Flexibility in products
  • Allows access to other products e.g. pre-shipment finance and structured finance
  • Timely delivery
  • Ensures delivery is done within schedule and payment

    When you sign a business contract and need a guarantor, bpr Bank will step in on your behalf to reduce the risk of non-payment or non-performance. BPR BANK Guarantees are accepted both locally and internationally.

    Benefits

  • Increase in liquidity
  • Client obtains credit hence increasing their level of liquidity
  • Immediate compensation
  • In case the customer defaults on payment, the beneficiary gets immediate compensation

    This product enables clients to pay their premiums over time by reducing the financial strain of lump-sum premium payments. It covers assets such as Houses, cars, trucks, medical insurance, office equipment, stock etc.

    Product Feature and Benefits

  • The customer pays the first installment upfront which also includes interest after which the bank releases the total premium to the insurance company’s account in BPR BANK facilitating immediate insurance cover to the client
  • Subsequent installments paid monthly in advance through current account debit
  • The insurance company shall act as a guarantor of the client such that if the client fails to honor their obligations the bank shall proceed to call up the guarantee and demand for the unutilized portion of the insurance premiums from the insurance company.
  • Benefits:

  • Easy application process (48hrs)
  • Reduced pressure on working capital
  • Flexible repayment terms (10 installments maximum)
  • Early settlement options available
  • Choose from a wide range of underwriters
  • Wide range of insurance products
  • Competitive interest rates
  • Requirements:

  • Tripartite Agreement to be signed by all three parties
  • ID/TIN certificate for individuals and directors
  • Memo & Articles of Association for companies
  • Certificate of incorporation or registration
  • This product is ideal for you if you’re a business owner who wishes to lease assets to use rather than owning them.

    Benefits

  • Lessor owns the asset.
  • The asset is in full ownership of the lessor.
  • Includes interest, capital & VAT
  • Lease rentals include interest, capital and VAT
  • VAT terms
  • The client will claim VAT input credits based on the lessor’s invoice subject to normal VAT rules. VAT is charged on each lease rental (including capital & interest).
  • Residual Value (RV)
  • This depends on the asset financed and is generally between 15% and 30% RV with a guaranteed RPU (Repurchase Agreement) with the Supplier or third party.

    Note: Leasing terms and conditions may vary, subject to compliance to specific statutory regulations.

    This short-term offer is primarily offered to exporters. We help finance your products and base your repayments on your export proceeds or funds owed by your buyers.

    Benefits

  • Provides working capital
  • Helps to generate additional working capital to enable the client meet production demands
  • Flexible security requirements
  • Security requirements to take up this loan are dependent on amount.
  • Allows for large consignments
  • It facilitates the taking of very large orders
  • Affordable rates
  • Offers affordable rates compared to other borrowing facilities
  • Revolving basis
  • Accommodates re-borrowing after a specified period of time.

    Sometimes your payments to your suppliers fall due before you are paid by your customers. With the Post-Import Finance Facility, BPR BANK will bridge the financing gap and give you flexibility with additional time on your credit.

    Benefits

  • Extended credit period
  • The Bank allows its client an undisclosed extended credit period, allowing for negotiation for better rates with the seller.
  • Low rates
  • Enjoy lower lending rate (LIBOR, plus a small margin)
  • Offsets LC bills
  • Used by importers to pay the LC Bills as they fall due instead of debiting the current account.
  • Low fees
  • It is ideal to use when client account is not in credit balance as the fees charged are much lower than the O/D.

    This is cross-border trade using non-standard security where the intention is to get repaid by the liquidation of a flow of commodities.

    Benefits

  • Access to financing
  • Gain access to financing where no other financing is in place
  • Financing matched with trade cycle
  • Financing facility is tuned to the producer’s production and trade cycle
  • Off balance sheet operation/liquidity
  • It operates on off balance sheet financing, keeping debt to equity low
  • Producer benefits from his record of accomplishment
  • Allows producer to benefit from his track record in a reduced risk environment

    I am an existing BPR Bank customer