Corporate Lending

AIB is fully geared to meet the changing economic challenges present in Afghanistan. We are ever striving to build meaningful relationships with our customers and become partners in their growth and progress by acting as financial advisors as well as financiers. Our Corporate Institutional Banking (CIB) Group offers a wide range of corporate lending solutions and extends both short and long term financing facilities designed to fulfill the individual need of each corporate customer.

 

Credit Facilities:

> Bridge Loans

> Term Loans  

> Overdraft

> Trade Finance 

> Cash and Management Services 

 

BRIDGE LOANS

This financing product is available to bridge your current cash requirements by anticipating future payments under a contract.

 

TERM LOANS

Term loans are offered for short and long term capital investment e.g. buying new machinery and equipment for your business purpose.

 

OVERDRAFT:

An overdraft can help you manage your cash flow with greater ease. It essentially provides working capital to fund your business operational needs to an agreed amount.

This flexible line of credit is designated to provide you with extra cash to cover seasonal or unexpected expenses. As you only pay interest on the money you use, you can save on interest costs relative to a standard business loan.

 

Key Features:

> Convenient, flexible working capital finance

> Within an agreed overdraft limit, finance is available without restriction. You can overdraw to suit your requirements and repay overdrawn balances as soon as you have the funds. You are not tied to specific dates for drawdown or repayment.

> Minimizes costs: Pay the interest charges only on the funds you use for as long as you have them, while the interest margin linked to the Bank’s base cost of funds means that you are obtaining your finance at a minimum cost.

> Interest based on a variable rate, which is calculated daily and charged monthly on the amount used.

> Better manage seasonal cash flow demands.

There are times when your business has less predictable business expenses – an overdraft is an ideal source of temporary funding.

 

The maximum term is 12 months but the facility can be renewed prior to expiry.

 

>Cash Flow Management, You can bridge the gap between your receivables for sales made and your payables for purchases of supplies or materials, therefore providing useful short-term, revolving funding.