Financing

In order to enhance corporate clients' ability to operate effectively, Societe Generale Expressbank offers financing for investment or working capital purposes, in local or foreign currency.
 
Financing solutions for investment or working capital purposes, Corporate and Investment banking
Working capital financing:
 
Societe Generale Expressbank provides a possibility for you to finance your needs related to your day-to-day business activities such as:
  • Purchase of inventory
  • Purchase of other short-term assets
  • Financing of current expenses
 
 
Types of working capital financing:
 
Overdraft
 
Short term credit facility, whereby the bank provides the possibility for its customers to execute payments in amounts exceeding the available balance on their current account up to a fixed credit limit. 
 
Revolving credit line
 
Short term bank loan, whereby the bank provides the possibility for its customers to make repeated withdrawls under a credit line with a specified term up to a fixed limit. During the tenor of the loan, the borrower is allowed to repay the utilized amounts and to make new withdrawls up to the amount of the free credit limit.
 
Working capital credits will normally be opened for a term of 12 months, with a possibility for renewal within a 60-month period.
 
Investment loans:
 
Societe Generale Expressbank offers loans for acquisition of fixed assets:
  • Purchase of machinery and equipment, including cars and trucks
  • Purchase of real estate
  • New construction, reconstruction and expansion of company real estate
  • Acquisition of enterprises or shares
 
The term of investment credits may be extended to 10 years.
 
Special purpose loans:
 
Project and Structure Finance
 
Societe Generale Expressbank finances long-term infrastructural and long-term projects on the scheme, so-called project or structural granting. The loan receiver could be called a project company or existing enterprise, as the project could be based outside of the company balance. 
 
Syndicated loans
 
Societe Generale Expressbank participates in granting of large long-term loans for the financing of investment projects and structure financing, mergers and acquisitions, etc.
 
Bridge financing
 
Short- and mid-term financing offered by Societe Generale Expressbank to support the realization of the project until gathering long-term financial resources.
 
Credit lines for issuance of Bank guarantees and Letters of credit
 
Societe Generale Expressbank grants credit lines for issuing bank guarantees and letters of credits.
 
Credit lines for securing foreign exchange deals
 
Short-term credit lines granted by Societe Generale Expressbank for securing FX deals - forwards, swaps, options, hedging of currency and price risk, etc. 
 
Credits with support of EIB
 

Through an agreement with the European Investment Bank we are supporting small and medium sized businesses (SMEs) by providing access to a source of preferential conditions financing.

Leasing
 
Societe Generale Expressbank offers lucrative lease schemes to corporate clients for purchase of machines, equipment and vehicles also through its own subsidiaries – SoGeLease Bulgaria and SoGeLease Bulgaria Auto. www.sogelease.bg 
 
Contact us:
 
+359 2 937 0495
 


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