TRY and FX Indexed Loans

Hızır Hesap (Savior Account)

Providing relief when you most need it, the Savior Account can be used up to the credit limit set for your account whenever you have emergency or short-term cash needs and there are insufficient funds in your account or as an emergency supplement when you are short on cash and have checks or bills to pay.

Features and Advantages

• Interest is paid monthly.
• Interest rate is determined by the bank according to market conditions.

Spot Loans

In this type of loan, which is ideal for your small business's short-term needs, the interest rate is fixed for the term of the loan.

Features and Advantages

• Each loan that is provided has its own particular terms.
• The maturity and interest rate are recalculated for each new loan.
• You know in advance the due dates and amounts of your payments and can adjust your cash flow accordingly.

Revolving Line

If your business has periodic or routine credit needs and subsequently collects funds, a Call Loan can help you manage your cash flow.

Features and Advantages

• You can withdraw funds or make payments depending on your business's needs within your credit limit and loan term.
• You can make your interest payments at the end of three month-terms or repay your principal at an interim date.

Discount and Redemption Loans

A Discount Loan is a type of cash loan that allows the interest, commission, and legal deductions that are due on a commercial paper to be discounted before the value date and the remaining balance to be paid to the customer, who must be residing within the city of the bank branch.

Features and Advantages

• The discounted paper’s ownership is transferred by endorsing and presenting it to the bank.
• The loan is called a ‘discount’ or ‘redemption’ loan depending on whether or not the payment location is within the municipal limits.

Business on Track Loan

You’ve got the financial resources you need to keep your business on track!

Whether you want to update your computers or other hardware and software, get a financial support for a franchise, get ready for the new season, or finance any of your company’s needs, the “My Business is on Track Loan ” is at your service with a wide variety of loan alternatives featuring attractive maturities and competitive pricing.

Business Premises Loan

When you own your own business premises, you don’t have to worry about rent and can plan your company’s growth more easily. So reevaluate those plans to buy a store, office, warehouse, factory or showroom – whatever property your business needs to expand.

When you want to purchase business property where construction has been completed and a zoning permit issued, HSBC’s Business Premises Loan is at your service. You can apply for a Business Premises Loan within one month following the purchase date of the property.

Repayment can be made in equal installments or according to a flexible repayment plan.

Vehicle Loan

If your company needs vehicles to add value and speed to your sales and marketing, production and logistics operations, don’t wait. With a Commercial Vehicle Loan, you can get the financing to purchase the new and used vehicles you need just by contacting an HSBC branch for application.

• With a direct debit order, your payments can be made automatically without ever visiting a branch.
• Whether you choose a YTL or indexed to foreign currency loan, you can make your repayments in equal installments or according to a flexible repayment plan.

Business Loan

To keep your business running and growing, HSBC offers you Business Loans. For – short- to medium-term needs you can use to purchase raw materials, inputs, semi-finished goods and other materials to keep your business on the right track.

Business Loans are repaid in installments and can be denominated in YTL or indexed to foreign currency. Repayment can be monthly or on a flexible payment plan you establish when applying for the loan.

Investment Loan

When the business case is clear and you’re looking to take advantage of medium- to long-term funding to help you expand your business’s capacity, you can get a loan to finance the purchase of vehicles, machinery, property and factory premises. An Investment Loan offers you the opportunity to make payments on a monthly basis or according to a payment plan that fits your cash flow, or even on a schedule which includes a grace period.

Commercial Vehicle and Taxi Medellion Loan

We know how important it is for you to get special products and terms you need to help finance the purchase of new or used commercial vehicles (taxi, shared taxi/minibus, bus, etc.) that have a commercial route and taxi medallion, and to meet your other financing needs.

We make life easier for you with the Commercial Vehicle and Taxi Medallion Loan Product Program.

Who can take advantage of the Commercial Vehicle and Taxi Medallion Loan Program?

Our products are offered to:

• Taxi, shared taxi/minibus, private public bus, etc. owners
  • Who hold a “Chamber of Chauffeurs Registration Certificate”
  • Who have been operating for a minimum of 3 years
  • Who hold an in-city transportation route and a contract for the use of the route.

What is the difference/advantage of the Commercial Vehicle and Taxi Medallion Loan Program compared to other commercial vehicle loans?

Based on your license plate, the local value of the route and your income, Commercial Vehicle and Taxi Medallion Loan Program provides:

• Financing of 100% of the pro forma invoice price of new commercial vehicles
• Restructuring of loans received from other banks
• Financing of up to 200,000 YTL for Taxi Medallion purchases by customers operating a taxi business

What is included in the Commercial Vehicle and Taxi Medallion Loan Program?

Vehicle Purchase Loan: Provided for the financing of commercial vehicles such as passenger cars (taxi), minibuses, buses etc.

• Maturity options of up to 60 months
• Financing of 100% of the pro forma invoice price of new vehicles

Restructuring Loan: Provided for restructuring by HSBC of loans received from other banks to finance the purchase of taxis, minibuses, midibuses and buses.

• Maturity options of up to 60 months

Taxi Medallion Purchase Loan: Provides financing for purchases of Taxi Medallions by taxi business operators

• Maturity options of up to 36 months
• Maximum 200,000 YTL financing available, based on local Taxi Medallion prices

Our Branches are at your service to provide you detailed information about our Commercial Vehicle and Taxi Medallion Loan Program and other products…

For further information, you can reach us 7 days a week, 24 hours a day by calling HSBC Bank Business Telephone Banking at 444 0 424 or visiting www.hsbc.com.tr.

*HSBC Bank A.Ş. reserves full discretion to make the sole decision regarding allocation of credit limits and determination of collateral requirements.

TRY Export Loan

If your company is involved in sales and deliveries that are considered exports or activities that create FX denominated revenues, you can finance those activities using TRY Export Loans.

Features and Advantages

• You use them in TRY and also repay them in TRY.
• Provided the export commitment is fulfilled, exemptions from tax, photo and stamp duties, and KKDF (Local Resources Promotion Fund) fees are also available in accordance with export incentives.

Eximbank Loans

You can benefit from Turkish EXIM Bank's "Pre-shipment Export Loans" denominated in TRY or foreign currency. Available through our bank, the loans are designed to solve your financing problems related to export and overseas contracting services.

Features and Advantages

• sProvided the export commitment is fulfilled, exemptions from tax, photo and stamp duties, and KKDF (Local Resources Promotion Fund) fees are also available in accordance with export incentives.

Gold Loan

If your company needs gold, you can purchase physical gold from our bank and use it for processed gold export or as business capital.

Features and Advantages

• Repayment at maturity can be made by delivery of physical gold and/or in foreign currency or TRY.
• The tax, photo and stamp duties exemptions apply if the loan is used in conjunction with an export commitment.