Business services

Advantages for Principal Customer:

• Opportunity to launch new projects by getting advance payment by the customer without using additional financial resources from business or other sources;

• Opportunity to get trade loans from counterparties on the basis of bank guarantees;

• To increase the turnover through much cheaper and more affordable financial resources;

• To minimize the risk of non-compliance with contractual obligations;

• To make payments only for products and services that have already been shipped and received, and sometimes already sold and paid.

Advantages for Beneficiary Customer:

• To minimize risks associated with non-compliance with contractual obligations as a result of worsening of the financial state of the receiver;

• Cash receipt by a quick and simple way in the event of a breach of contractual obligations by the receiver.

Advantages of using Kapital Bank Guarantee products:

• Distinct acceptance of guarantee letters of Kapital Bank by all beneficiaries;

• Granting of guarantees within 1 business day;

• Granting of all types of Bank Guarantees;

• Granting of guarantees by the approval of the World`s 1st Class Banks;

• Granting of guarantees for regular customers without additional documentation within the limits based on the General Agreement;

• Determination of the terms of granting Bank Guarantees individually for each customer;

• The value of the guarantee is significantly lower than the cost of used loans;

• Unsecured granting (if the customer has a satisfactory financial state);

• Minimum documents.

Borcalanlara qarşı tələblər:

• Müştəri fərdi sahibkar və ya hüquqi şəxs olmalıdır;

• Cari biznesdə ən az 6 ay fəaliyyət göstərməlidir;

• Biznes mənfəətlə işləməlidir.

Guarantees

• Tender guarantee

• Advance guarantee

• Execution Guarantee

• Payment guarantee

• Guarantee granted to customs authorities

• Guarantee granted to get a loan

• International guarantees

Guarantee services for exporter companies, which are customers of the Bank:

• Advising of guarantees granted in favor of you by the other (domestic and foreign) banks;

• Issuance of letters of guarantee based on counter-guarantees granted by other (domestic and foreign) banks;

• Sending requests to guarantor banks on guarantees granted in favor of you.

Procedure for getting guarantees:

• You apply to any branch of Kapital Bank nearest to you;

• You provide the necessary documentation for the analysis, your business is analyzed by the experts of the Bank and the Bank makes a decision on a loan issue;

• Agreements are formalized;

• You have issued a letter of guarantee

Advantages for importers:

• They are free from risk, such as paying, but not receiving goods/services;

• The accuracy of the documents is checked by several banks;

• Delays are not permitted.

Advantages for exporters:

• Minimizes the risk, such as shipping goods/services, but not receiving the payment;

• Delays in receipt of the money are not permitted, the value of the goods is paid in the term specified in the terms and conditions of the letter of credit;

• Minimizes the risks arising from the newly established relationships with the customer.

Advantages of using Kapital Bank Letter of Credit products:

• Granting of Letters of Credit by the approval of the World`s 1st Class Banks;

• Granting of all types of Letters of Credit;

• Giving additional time with more favorable terms in making payments through post-financing;

• Granting of Letters of Credit regularly without additional documentation within the limits based on the General Agreement;

• Determination of the terms of granting Letters of Credit individually for each customer;

• The value of the Letters of Credit is significantly lower than the cost of used loans;

• Unsecured granting (if the customer has a satisfactory financial state);

• Minimum documents.

Borcalanlara qarşı tələblər:

• Müştəri fərdi sahibkar və ya hüquqi şəxs olmalıdır;

• Cari biznesdə ən az 6 ay fəaliyyət göstərməlidir;

• Biznes mənfəətlə işləməlidir.

Types of Letters of Credit:

• Irrevocable Letter of Credit;

• Certified Letter of Credit;;

• Transferable Letter of Credit;

• Revolving Letter of Credit;;

• Standby Letter of Credit.

Procedure for granting Letter of Credits:

• You apply to any branch of Kapital Bank nearest to you;

• You provide the necessary documentation for the analysis, your business is analyzed by the experts of the Bank and the Bank makes a decision on a loan issue (individual approach)

• Agreements are formalized;

• You are granted a Letter of Credit.