BIL offers you a variety of solutions to help you finance working capital, medium or long-term investments or property purchases.
At each strategic stage of your business's growth, your BIL Relationship Manager will help you find the best financing solution.
Leasing may also be an appropriate alternative to bank loans.
BIL works with its specialised leasing arm, BIL LEASE to meet your various financing needs.
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To optimise day-to-day cash management, BIL provides straightforward, flexible and adaptable solutions.
Your SME may need to finance its working capital in order to deal with cash shortfalls owing to the seasonal nature of your business or extended client payment times.
Do you need a loan to finance a project?
Contact your BIL relationship manager to arrange a credit solution suited to your needs.
Developing a business, fitting out premises or purchasing new equipment are projects which require the support of a first-rate banking partner.
BIL offers you a complete range of financing solutions to help you implement your projects.
The BIL investment loan is the recommended solution for all investment projects:
A loan tailored to your situation:
For investments that are eligible for Société Nationale de Crédit et d'Investissement (SNCI) loans, BIL handles the submission of your equipment financing application.
BIL helps you finance property purchases.
The BIL mortgage is the ideal solution for your projects involving the purchase, construction or conversion of business premises (retail premises, offices, factories, warehouses, etc.). For a 7-15 year term, the repayment schedule is determined based on the company's ability to repay and on the amortisation period for the assets financed.
Specific loan solutions have been developed by BIL for property development purposes.
Your Relationship Manager is at your service to review your project and make it happen.
BIL's leasing solution represents an attractive alternative to a traditional loan.
Leasing enables you to renew your professionally used movable capital equipment (IT systems, vehicles, telephone systems, etc.) thereby enhancing the presentation of your balance sheet without having to dip into shareholders' equity.
How leasing works:
You select your equipment and your supplier. BIL Lease purchases the equipment and leases it to you through a lease agreement for a predefined term based on a tax-deductible lease payment. Lease charges can be monthly, quarterly, half-yearly or annual. You have three options on expiry of the contract:
The benefits of leasing:
Your BIL Relationship Manager is your main point of contact to analyse your needs and advise you.
SNCI loans represent an appropriate source of financing in addition to BIL mortgages.
BIL provides you with assistance in analysing and submitting the loan application:
Your Relationship Manager is your designated point of contact for analysing your application and submitting it to the SNCI.