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Classic forms of finance

The classic bank loan will continue to play an important role alongside the latest trends shaped by the capital market. Medium-sized enterprises still most frequently cover their needs for operating resources or capital for investments through bilateral loans.

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Your corporate relationship manager at Bank Austria will be happy to prepare a custom-tailored solution for you.  

Working capital facility

Every business has continual expenditures that vary in amount, and that can arise unexpectedly. A working capital facility from Bank Austria is the optimal solution for financing recurring and unexpected costs. You are free to decide how much of the facility you use, when you use it and what you use it for within the agreed limit. This provides you with leeway to use any cash discounts offered by your suppliers. The credit is repaid through incoming payments from your normal business activities.

Working capital facility

The working capital facility serves to bridge the gap between the payment of raw materials, services, etc. and the receipt of sales revenues. The credit line is subject to a variable interest rate that is oriented towards the current money and capital market conditions, the legal requirements (such as Basel 2), the economic situation of the borrower and its development, and on operational and commercial data. The interest to be applied is calculated on a daily basis in accordance with the amount of the credit facility that is currently being used, on the basis of a year with 360 days.

Working capital facility with interest cap

The purchase of a cap as part of a financing product allows you to protect yourself against rising interest rates, while at the same time allowing you to profit from falling rates. The cap interest rate, the upper reference rate limit for the calculation of a variable interest rate, is agreed when the contract is concluded. This form of interest rate hedging requires the payment of a premium when the credit contract is concluded; this premium varies depending on the term and amount of the credit facility and the agreed interest rate cap.

Domestic purchase of receivables on a non-recourse basis

Financing of payment terms which are granted by suppliers to their buyers.

The most frequently used financing instrument for purchase of receivables resulting from the supply of goods and services represents the revolving purchase of receivables on a non-recourse basis.

Receivables of the supplier against specified buyers are purchased on the basis of predefined conditions. The purchase of receivables is effected without recourse to the supplier on a disclosed or on an undisclosed basis. However in specific cases receivables are purchased with (partial) recourse to the supplier.

Contact:

For further details please contact your account manager in Bank Austria or our specialists in Receivable Finance: Ingrid Scheithauer

Investment finance

The acquisition of capital assets (properties, buildings, production systems, etc.) requires optimally coordinated long-term financing. The investment loan from Bank Austria provides you with the necessary capital at optimal terms.

The mortgage loan is a long-term financing solution for the financing of property purchases and construction projects and can be tailored to meet your individual needs.

The loan is repaid in capital instalments (which include no interest repayment, interest must be repaid separately) or lump instalments (including capital and interest repayment). A repayment free period can also be agreed if desired. This means that the investment does not yet effect the liquidity of your company, as no capital or interest payments are due in this period.

Investment loan

A variable interest rate, an index-tied variant or a fixed interest rate can be agreed for your investment loan from Bank Austria depending on your preferences and needs. You can also arrange an investment loan in euro that can be used under certain conditions in part or whole in the most common foreign currencies (USD, CHF, JPY). The debit interest rate is variable in this case, which means that it is adapted to changing reference rates (inter-bank rates, LIBOR rates, etc.).

Investment loan with interest cap

The purchase of a cap as part of a financing product allows you to protect yourself against rising interest rates, while at the same time allowing you to profit from falling rates. The cap interest rate, the upper reference rate limit for the calculation of a variable interest rate, is agreed when the contract is concluded. This form of interest rate hedging requires the payment of a premium when the credit contract is concluded; this premium varies depending on the term and amount of the credit facility and the agreed interest rate cap (in German).

Mortgage loan

The mortgage loan from Bank Austria is the optimal solution for property purchases and construction projects. Collateral for the loan amount is provided by entering loan repayment obligation in the land register. The loan is repaid in monthly instalments.

Other forms of classic finance

Guarantee facility

It can be beneficial for corporates that are frequently required to issue guarantees (such as liability declarations) to obtain a guarantee facility in the form of a framework credit from Bank Austria. We assume liability vis-à-vis third parties within the limits of the agreed framework and undertake to pay the guarantee amount to the beneficiary in the event that the guarantee is claimed.

Discount credit/acceptance credit

A discount/acceptance credit allows the rapid purchase and discounting of bills of exchange, and can therefore convert your stock of commercial bills into liquidity.

Subsidised loans

Corporates that invest can count on support. The Austrian federal government and the European Union offer a wide range of promotion programmes. One of the specialties of Bank Austria is financing based on a combination of subsidised and non-subsidised elements. In addition to providing you with comprehensive advice, we will also be happy to assist you in preparing the necessary documents and forward them to the respective agencies.

Export loans

Cross-border transactions require individual, professional information and service. The specialists in the Export and Investment Finance (EXIN) department at Bank Austria offer Austrian exporters optimal solutions and custom-tailored products and guarantee goal-oriented solutions.