Trade, wholesale-importers - Small Business | Societe Generale

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Trade, wholesale - importers

Experience in cooperation with a number of commercial facilities, have enabled us to form a special offer of banking products and services for this segment, aimed at the facilitated business and development in the trade segment, wholesalers - importers.

Daily banking offer

Following the needs of your business, we have created three types of business packages that will give you what you need for everyday business

For easier operation and finding the best solution for your company, you have your personal banker at disposal. He can always provide all the information on daily banking and financial support for the development of your business.

Investment offer

For the users of the packages Praktik and Prestiž we have prepared an offer that can not be missed. [2]
We have created a special package of products under very favorable conditions tailored to the companies operating in the field of trade.

 

Special package offer includes:

 

[1] You can see more detailed information on all packages on the page Account packages.  

[2] Offer applies only to companies with annual turnover above 20 million dinars.

Additional information on investment offer

Loan for liquidity and working capital

Granted quickly with minimal collateral and thus saves your time and money.

We have prepared for you special favorable conditions because we know that to do business in the field of trade – wholesalers and importers, often requires additional funds for the settlement of accounts payable to suppliers, purchase of additional goods and other current assets.

  • Repayment period up to 24 months
  • Fixed interest rate for loan indexed in EUR 4,95% and 8,95% for loan in RSD
  • Administrative fee: 0,5% of the loan amount
  • Collateral: Bill of exchange
Representative example of loan for liquidity and working capital
Loan amount15.000 EUR
Repayment period24 months
NIR annual4,95%
Monthly installment658 EUR
Administrative fee (0,5%)75 EUR
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange400 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
EIR annual 5,72%
Total loan amount (principal, interest and costs)15.874 EUR
EIR calculated on 23.03.2017.

The Bank adjusts the outstanding loan amounts indexed in EUR with variations in NBS middle exchange rate for EUR each last day of the month, by applying the exchange rate valid on the respective date against the exchange rate that was in effect on the last day of the previous month, except for the first month when adjustment is made according to the exchange rate that was in effect on the day of loan disbursement.

Leasing for purchase of vehicles

The right solution for you if you want to renew or expand your company’s fleet. We have prepared a unique offer with lower interest rates and easy approval process.

Current Account Overdraft

Current liquidity is one of the goals that are often not easy to meet. Collection of receivables is late, and many liabilities are coming due. As a solution for occasional financing of current liquidity and the occasional purchase of current assets we recommend current account overdraft.

Basic features of current account overdraft special offer :

  • Loan period: up to 12 months
  • Interest fee 16%
  • No administrative fee
  • Collateral: Bill of exchange
Representative example of current account overdraft
Amount1.000.000 RSD
Overdraft maturity period12 months
NIR annual16%
Administrative fee amount (0%)0 RSD
Expenses related to loan approval, known at the moment of publishing
Debtor bill of exchange200 RSD
Owner bill of exchange100 RSD
Debtor Credit Bureau report600 RSD
Owner Credit Bureau report102 RSD
EIR annual 17,71%
Total loan amount (principal, interest and costs)1.090.523 RSD
EIR calculated on 23/03/2017

Additional benefits and services to improve your business

We also think about the individual needs of you as a company owner

  • 50% lower account package maintenance costs for natural persons
  • Leasing for purchase of vehicles with reduced interest rates and with a fast approval process.
  • Mixed life insurance gives you the possibility to insure yourself and your family, and to save at the same time

Employees are the foundation of your company. Benefits that they have with us are:

  • Favorable interest rates for housing, cash and refinancing loans
  • Lower costs of loan products approval
  • Account package maintenance can be reduced even 50% or completely free of charge if you use your debit card for paying.

Do you have any additional questions?

Write to us using our online contact form, and we will contact you.

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