Credit Facility

Overdrafts
Credit facility is deemed necessary for every business to cope with inevitable cash flow fluctuations by providing a flexible and cost-effective credit line. To facilitate your business working capital and other daily financial needs, we are pleased to granting credit line in advance with flexible security requirements and repayment schemes structured to match your cash flow projections.

• Provide flexibility as cash can be drawn without the need for special documentation.
  
• Allow you to avoid returned cheques due to an insufficient credit balance.
  
• Minimize interest expenses as interest is only charged on credit used.
  
• Ideal financial tool ready for your operating banking needs
  
• Convenient way to fund your operational and administrative expenses.

SME Loan Services
In today's commercial world, you have to expand your business operational capacity in order to ensure high return and obtain substantial market share.

With a team of professional expertise, BCM bank is proud to provide you with the best quality of SME services. We are in full support of the SME Development Plan sponsored by Macau SAR Government. We actively participate in the "SME Loan Guarantee Scheme" and "SME Specific Loan Guarantee Scheme", providing customized loan service to enterprises for their syndication needs.

Whether you want to restructure or develop your business, BCM bank is always your best partner!

Working Capital Loans
With our expertise in corporate financing, we are devoted to tailor loan services to meet the different customer profiles in different industries. Short to medium term loans will ease the pressure on working capital and funding needs in your business planning.

• Provide you with short to medium-term loan service.
  
• Enable you to upgrade and expand production facilities or purchase new assets.
  
• Customized and flexible repayment schedules to complement the cash flow
  
• Minimize interest expense with reducing balance method calculation.
  
• Match the loan terms with the useful life of your assets to maintain a well-planned expansion or cash flow.

Medium and Long Term Loan
BCM bank, with professional experience in corporate finance, can provide you the loan scheme with the appropriate period to fit your company’s investment needs. BCM bank will tailor made the ideal financial solution with the right amount and period, according to the needs of your company.

• Medium to long term financing
  
• Let you upgrade your company’s assets, equipment, etc., and update for new technologies
  
• Lets you have the flexibility to manage the cash flows of your company
  
• Tailor-made loan repayment methods to optimize your payments schedule
  
• Competitive interest rate
• Combine the loan period with the economic life of your company’s assets to avoid cash-flows disruptions.

Syndication Loan/ Club Deal Arrangement
We are a major arranger in the syndicated loan/club deal market. With our banking experiences and solid foundation, we are one of the active arrangers in the arrangement of syndication loan/ club deal in years. We play active role to arrange syndicated/club deal lending including working capital financing, asset financing and project financing.

Our dedicated team of professional consultants is pleased to help your business grow. To know more about how we can help your business financing, please feel free to reach us.

For further information, please call: