Commercial loans for the managing cash flow, payment and collection systems alternatives, direct collection systems, check integration to reduce work overload in the accounting system, special loans directed towards the purchase of a fleet, the fuel management system that allows block fuel payments, LOGO accounting integration and direct reconciliation capability, all in the Food Wholesalers Support Package.
You can take advantage of revolving credit, spot loan and discount loan products to meet the short-term cash need of your company. Additionally, you can take advantage of loans with terms up to 60 months, equal payments and a 3-month grace period.
Auto Loan/Fleet Loan
For the purchase of vehicles to be used in your company's operations, you can take advantage of Garanti's auto loan offered with suitable conditions. Furthermore, you can enjoy extra discounts in interest rates for the purchase of a fleet consisting of three or more vehicles.
Business Premises Purchase/Renovation Loan
You can take out this loan in TL or foreign currency with terms up to 96 months to purchase a property for your business, or with terms up to 60 months to renovate your existing business premises.
Overdraft Account is a deposit account with overdraft feature that you can use to pay your bills and withdraw cash advance. The interest of the credit you use over the course of one month is calculated based on the duration it is used and debited from your account the following month. Additionally, when you deposit money into your account, your debt is automatically paid off. Your overdraft account is always available for your payments, even if you don't have money in your deposit account.
Letters of Guarantee
By placing a request through your branch, you can pick up the TL or foreign currency letters of guarantee that your company needs from any Garanti Branch. No matter what the letter is for, purchase of goods, customs transactions, VAT, tender, Eximbank, security deposits, rental deposit, and whether it is temporary or permanent, you can pick up your letters of guarantee from any of our widespread network of branches and avoid any interruptions in your production.
Company Credit Card and Bonus Business
You can keep the purchases that you and your employees will make on behalf of your company with a Company Credit Card that you can assign separate and independent limits for each user. If you select Bonus Business as your company credit card, you can earn bonus on your company expenditures, and if you select Shop&Miles, you can earn miles.
Direct Collection System (DCS)
If the companies of which you are a dealer are included in our Bank's DCS, you can pay for your purchases from these companies through your Garanti accounts, without a need for a letter of guarantee.
Through check integration, the checks received from the customers in the portfolio for collections, the information to be entered into the company accounting system and the status information generated at our bank are electronically transmitted to the company. The system reduces the workload resulting from the entry of the checks into the accounting system and the tracking of collections.
LOGO Accounting Integration
By using the Logo Accounting System, you can make your market and salary payments that you perform with money transfers/EFTs by directly transferring them to our bank via LOGO, without the need for placing a separate order and view your daily account activities in the electronic environment.
You can take advantage of the POS terminals offered in the Food Wholesalers Support Package to regularly and easily keep track of your cash flow and to increase your sales. With a POS terminal, you can increase your sales as a Bonus Merchant Partner. With a Virtual POS, you can collect payment of your online sales. Additionally, you can take advantage of commission and blockage rates suitable for your sector, and by putting up your POS receivables as collateral, you can use overdraft or take out a loan at more favorable interest rates.
Fuel Management System
With Garanti's Fuel Management System (FMS), you can fuel the vehicles registered under your company from FMS-contracted companies and keep your fuel purchases under control while also taking advantage of payment
terms provided for you.
- Factoring-leasing, with the cooperation of Garanti Factoring and Garanti Leasing.
- Checkbook in TL or foreign currency issued in your or your company' name.
- Standing payments and automatic bill payments.
- Check integration and Logo Business, compatible with your accounting system.
- Tax, SSK collections and online Bağ-Kur payments.
- Foreign exchange transfers, foreign exchange buy/sell transactions.
- Collateral support through collaboration with the Credit Guarantee Fund.
- Detailed information and assistance via Internet Banking, www.kobigaranti.com and 444 KOBİ – 444 5624.
- Rates and Fees
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,65 1,65 1,65 1,65 1,65 1,65 1,65 1,65 1,75 - - - Consumer Finance Loan**** 1,39 1,39 1,39 1,39 1,39 1,39 1,39 1,39 - - - - Business Premises Loan*** 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,36 1,40 1,40 - Auto Loan* 1,44 1,44 1,44 1,44 1,44 1,44 1,44 1,44 1,44 - - - Chambers of Tradesmen and Commerce 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 - - - Support Packages 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 1,60 - - - Traktör Kredisi** 1,70 1,70 1,70 1,70 1,70 1,70 1,70 1,70 1,70 - - - Women Entrepreneur 1,45 1,45 1,45 1,45 1,45 1,45 1,43 - - - - -
Last Update : 25/10/2016 12:50
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - Business Premises Loan*** 0,69 0,69 0,69 0,69 0,68 0,68 0,68 0,73 0,73 0,85 - - Auto Loan* 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Chambers of Tradesmen and Commerce 0,90 0,90 0,90 0,90 0,90 0,90 - - - - - - Support Packages 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - - Women Entrepreneur 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - -
Last Update : 25/10/2016 12:50
Product 3 months 6 months 9 months 12 months 18 months 24 months 36 months 48 months 60 months 96 months 120 months 240 months Corporate Loan 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Business Premises Loan*** 0,74 0,74 0,74 0,74 0,75 0,75 0,76 0,80 0,80 0,87 - - Auto Loan* 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 1,15 - - - Chambers of Tradesmen and Commerce 0,85 0,85 0,85 0,85 0,85 0,85 - - - - - - Support Packages 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - - Women Entrepreneur 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 1,00 - - -
Last Update : 25/10/2016 12:50
* Our customers who purchase the casco of the vehicle to be bought from Eureko will qualify for a 0,05% discount on the TL Auto Loan interest rate.
** On tractor loans, the interest rate with quarterly or semiannual payments is 2,15 and the interest rate with annual payments is 2,20.
*** On business premises loans, a commission rate of up to 1% is collected from the customer.
**** Available up to 50% of the appraisal value (maximum of USD 250.000).
***** Foreign currency indexed business premises loans are only available for loans that are for usage purposes and for properties that are offices and business premises. Foreign currency indexed business premises loans cannot be used by real persons in the purchase of business premises for investment purposes.