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Direct Facilities

A Variety of products (facilities) direct trade to contribute to the revitalization of various businesses and the implementation of contracts and support the import and export operations

In the framework of the Bank's efforts to improve the level of service provided to clients, HBTF has worked on offering a variety of products (facilities) direct trade to contribute to the revitalization of various businesses and the implementation of contracts and support the import and export operations, including:
  • Loans
    Commercial Loans (Short-term Loans)
    A variety kinds of short-term loans to support the financing needs of clients to support working capital including purchasing goods, raw materials, etc., for production or trading purposes at most of economic sectors and according to the bank's credit policy

    Discounted Post-Dated Checks (Financing Post-Dated Sales)
    This service includes financing the client against liquidating post-dated checks to provide the necessary liquidity. This service is offered in the form of or a one-time discount request
    Providing the necessary financing to investors and real estate developers. The funding is disbursed in installments commensurate with the cost of the funded project and other self-financing sources and repaid in installments Real Estate Investment Loans
    Long-term loans are granted to finance the purchase of fixed assets and investment assets and the payment is programmed in the form of periodic installments Long-Term loans (financing Investment & Fixed Assets) 

    Real Estate Investment Loans
    Providing the necessary financing to investors and real estate developers. The funding is disbursed in installments commensurate with the cost of the funded project and other self-financing sources and repaid in installments
     
    Long-Term loans (financing Investment & Fixed Assets) 
    Long-term loans are granted to finance the purchase of fixed assets and investment assets and the payment is programmed in the form of periodic installments 

    Syndicated loans

    A loan extended to finance large projects by group of banks and will be managed by one participating banks.

    Revolving Credit Lines:

    Purchases Financing Credit Line 
    A revolving loan is a credit ceiling granted to finance the working capital needs of commercial and industrial activities within specified terms and criteria and a repayment period that allows the reuse of reimbursements for the same purpose and within the ceiling granted

    Discounted Post-Dated Checks Credit Line
    This service includes financing the client against liquidating Post-dated checks to provide the necessary liquidity. This service is offered in the form of a discounted post-dated checks credit line

    Overdraft
    This service provides financing to clients whose their nature of work requires short-term financing to cover any short-term cash flow gaps (withdrawal, deposit and clearing checks) and the term of financing is one year and extendable in the light of the client's creditworthiness, financial and credit strength, good use of the account, and profitability.

    Contractors Financing

    This service is provided to contractors to assist them in the execution of their projects, whether to spend on projects referred to the contractor and / or open letter of credits to import the necessary materials for the projects.

    Terms of service

    FIRSTLY, the credit period shall not exceed the period specified for the implementation of the project or the period specified by the Bank's internal instructions, transfer of the project extracts to be financed to the Bank under a legal right transfer through which the facilities are paid, and finally the project LG and LC shall be issued through the Bank.