1. Overdraft (Découvert) – A short-term credit facility that allows an account holder to withdraw more money than is available in their account, up to a pre-approved limit.
2. Investment Loan (Crédit d'investissement) – A medium- or long-term loan designed to finance the acquisition of assets such as equipment, real estate, or business expansion.
3. Refinancing of Import Operations (Refinancement des opérations d'importation) – A treasury credit that enables importers to pay foreign suppliers under agreed contract terms without straining their cash flow.
4. Invoice Advance (Avance sur facture) – A short-term financing solution where a bank provides an advance on outstanding invoices, helping businesses manage cash flow while waiting for customer payments.
5. Bill Discounting (Escompte des traites) – A financial arrangement where a business sells its trade bills (such as promissory notes or letters of exchange) to a bank at a discount, receiving immediate cash instead of waiting for the bill's maturity.
6. Revolving loan (Revolving) – A flexible credit facility that allows businesses or individuals to borrow, repay, and borrow again up to a set credit limit, often used for working capital management.
7. Medium-term Loan (Crédit à moyen terme) – A loan granted for a duration typically between 2 and 7 years, used to finance investments such as equipment, real estate, or business expansion.
8. Bank guarantees (Les cautions) – A financial commitment made by a bank to ensure that a debtor fulfills their obligations to a creditor. If the debtor fails to meet their obligations, the bank covers the payment.
9. Export financing (Financement des exportations) – A set of financial solutions that help exporters manage cash flow and mitigate risks associated with international trade. It includes pre-export financing, export credit insurance, and buyer’s credit.