Hypo Alpe-Adria-Bank provides various forms of financing adjusted to your needs, depending on its purpose, your business situation and plans for the future. Short-term financing is appvoed for bridging short-term liquidity gaps and for working capital.

We recommend this type of short-term loan with bullet repayment if you need additional working capital over a precisely defined period, equal to the loan maturity and you expect an inflow, e.g. collection of a large claim to help you repay the loan.

A short-term loan repaid in instalments enables you to adjust the method of repayment as well as the maturity date of each annuity and the interest rate to your company's planned cash flow.

The transaction account overdraft gives you great flexibility in your operations and liquidity management. It is designed for legal entities which face periodical needs for working capital. The interest is paid over the overdraft period only on the actual overdraft amount used.

If you need additional financing, and you hold outstanding bills of exchange maturing in 30 days to one year issued by buyers as an instrument to secure your claims, you may collateralize your working capital by discounting these drafts on rebate ahead of maturity. This form of short-term financing allows you rapid access to funds.

We offer factoring, or claim purchase, as a special form of financing.
It is a product which allows you to turn your non-liquid assets into liquid assets by means of seelling your non-matured claims on buyers to us on the basis of commercial documents.
The Bank buys non-matured claims arising from the sale or export of goods or services and the right to compensation by any previous creditor, while paying the discounted nominal value of the respective claim to the party selling it.

A bank guarantee is a form of payment or contractual obligation collateral whereby the Bank undertakes to pay the amount of guarangee to its holder in case of failutre by the principal debtor to meet its obligations.

Guarantees may be:

• payment guarantees
• performance guarantees – to secure advance repayment, solid contract performance, participation in tenders etc.
• guarantees securing the payment of customs duties and other customs services.

If the nature of your business requires frequent use of short-term funding, documentary credit and guarantees, we recommend a financing frame. The benefit of this product is reflected in a single basic contract to cover a longer period of time, and fast approval of individual applications for financing.