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How do I know which banking products are the best for me?

Objavljeno 02.04.2021

Regardless of your business is small or large, you should always bear in mind that it is the largest and most important to you! The more you care and invest in it, the more it will grow, and you need a bank as a good partner and support for it.

The first thing you need to do is choose one of the Business package accounts. The package of your choice depends on your business needs. Perhaps the basic package is enough or perhaps you need a wider range of banking services – a finance consultant can definitely help you in making this choice.

When you put your trust in us, the Bank will always be there for you, to make your operations as easy as possible and to adjust to your needs.

Whether you want to invest, to maintain liquidity, to ensure additional funds for your business – there is a solution to everything.

The overdraft under account is the easiest and fastest way that leads you to additional money. Without having to notify the bank or present extensive documentation, you may use the approved funds – but whether and what interest you pay depends on your decision to repay the borrowings within one month or until the expiry of the approved term.

I you need additional liquidity, a great choice is the MasterCard credit card which you can use up to the approved credit card limit, both in the country and abroad. Just as with the overdraft facility , you can decide on the debt repayment schedule on your own, in line with your repayment ability (except for the minimum amount to be repaid).

Regarding longer-term plans and investments, business loans are the best solution. Which one you choose depends on your business needs. Present a clear plan and needs to your finance consultant, who will find the most flexible solution.

You need raw materials, goods, you need to finance imports or exports – then you should choose the Financing and working capital loan with the repayment term of up to 12 months. The same loan with a longer repayment term (up to 36 months) is an ideal solution for financing long-term working capital, as well as refinancing the existing loans.

The loan allows you to borrow partially, depending on your current needs. Therefore, the Bank approves you a certain amount of the loan, which you do not need to use immediately. Use a portion while leaving the remainder for a rainy day.

If you want to refurbish or buy business premises you have always dreamed of, to improve production with state-of-the-art machines and materials, but also to refinance long-term loans, the investment loan is the right partner.

When your receivables are the collateral and your business cannot wait until they are collected, the Bank will reward your trust by allowing you to use the receivables before their collection based on discounted bills of exchange or through so-called factoring. And for your image and performance of business operations with foreign partners, the Bank will help you with letters of credit and letters of guarantee.

If you know what you want but do not know how to do it, make an appointment with your finance consultant who will find the best product from AIK Banka’s wide product range and adjust it to your needs.

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