DCSIMG Installment Loans | DenizBank

Business Installment Loans support your business’s finance needs. They provide finance to you in many fields from your technology investments to promotions at fairs, from raw material purchases to registration of your quality.

We provide the wind, you just sail!

Please click for documents required to apply for a loan.

The first loan facility extended by the “Turuncular” that considers experience: Experience Based Loan!

  • Loan available up to TL 50.000
  • 3 months grace period  
  • Varying maturity and amounts depending on the age of your business. 
  • Easy application and rapid assessment.

Application Form for loan to your experience

* Minimum sector experience of business must be 2 years in order to utilize the Loan to Your Experience.

It is a loan facility of which limit is determined by considering such criteria as maturity of receivables and the payment capacity of the debtor, against the (billed) receivables of your business from the firms to which you supply goods and services, not secured by checks, promissory notes etc.

  • Maximum loan amount to be utilized is 75% of the invoice.
  • Loan Maturity may be either with interim payments or payment at final maturity depending on maturity of receivable.
  • The most important factor for the Loan to Your Invoice is that the debtor must be a reputable and respected firm that is capable to fulfill his payment obligation. The security for the loan will be “assigned” for receivable, considering the debtor’s payment capacity and loanability. 

It is a loan utilized for the purpose of financing the operational capital and the purchases of raw materials, goods and services during the manufacturing process of the contracted products of your business, which exports such products.

  • The loan may be spot/rotating, with equal or flexible installments depending on sector’s cash flow.
  • Maximum maturity is 12 months.

It is a loan utilized by the business, which shall carry out its commercial operation under franchising method or are already within a franchising system in order to finance franchise contract price, operational capital and investments.

  • The loan has option to reimburse in equal and flexible 36 monthly installments.
  • Loan limit is restricted to 65% of the investment cost.

It is the loan that provides finance under the most appropriate terms and conditions and maturity in TL or indexed to foreign currency for the real estates you wish to purchase for your business.

  • Your loan limit is 75% of the appraisement value of the real estate that you wish to purchase.
  • As security for loans to your workplace, the real estate that you wish to purchase is mortgaged.
  • Maturity up to 120 months is possible

It is the loan that operators of public transport, taxi and minibus lines utilize for the purpose of purchasing brand new or second hand buses, minibuses etc. and for their other finance requirements.

  • Maturity for consumer loans is up to 36 months whereas it is up to 60 months for vehicle loans.
  • 100% of the proforma invoice value of the vehicle can be financed depending on the characteristics of the region where the line is operated.

It is a loan specially designed for our member workplace customers who work on blocked account whereby the blocked sum at POS account could be used before maturity.

  • Cash loan can be utilized up to 85% of the POS blocked sums at your accounts.
  • Because loan limit is determined according to the POS turnover, it is possible to increase loan limit depending on POS turnover performance.
  • When POS blocked sums are cleared, reimbursement of the loan shall be made automatically from your loan account. Also premature payment is possible.

If you import your raw materials, semi-finished products, products and machinery from abroad, you can utilize this loan in order to take advantage of cash payment discounts and KKDF exemptions.

  • The loan may be spot/rotating with equal or flexible installments depending on sector’s cash flow.
  • Maximum maturity is 12 months.

It is the loan, which can be utilized in order to receive such certificates as TSE, ISO, ISO 22000, HACCP, EUREPGAP, IFS etc., which are very important ones in attaining minimum quality standards in your business’s manufacturing and marketing operations.

  • The loan may be spot/rotating with equal or flexible installments depending on sector’s cash flow.
  • Maximum maturity is 24 months.

It is the loan that you can utilize in TL or indexed to foreign currency for the brand new or second hand vehicles that you wish to purchase for your business.

  • If the vehicle for which you apply for loan is brand new, you can utilize loan up to 75% of proforma invoice total. 
  • In utilizing commercial vehicle loan, the vehicle you purchased is pledged as security.
  • Maximum maturity is 48 months.

It is the loan that you can utilize in purchasing brand new and second hand vehicles and commercial license plates by commercial taxi operators who operate in Istanbul, Ankara and İzmir.

  • Maturity for purchase of license plate is up to 24 months whereas it is up to 60 months for purchase of vehicles. 
  • 100% of the proforma invoice value of the vehicle can be financed depending on the characteristics of the region where the license plate belongs to. For purchase of license plate, up to 35% of the current market price is financed. 
  • You can apply to our branches in İstanbul, Ankara and İzmir

It is the loan that you can utilize in financing renewal or investment of machinery, equipment, office equipment, hardware and software that you need at your business.

  • Maximum maturity is 36 months. 
  • The loan may be with equal or flexible installments depending on sector’s cash flow.

It is the loan that is utilized to finance cash needs for the purpose of financing the delay interest between purchase and sale of raw materials of your business and benefiting from the discounts at cash payment.

  • Maximum maturity is 12 months.
  • The loan may be with equal or flexible installments depending on sector’s cash flow.

It is the loan that is utilized in financing the stand, logistics and promotions at the fairs that your business shall join both in the country and abroad.

  • Loan maturity is maximum 12 months. Grace period option can be exercised considering the date of the fair. 
  • For the fairs under the coverage of the incentive scheme of the Undersecretary of Foreign Trade (DTM), loan with 0% interest can be utilized in the event the export price to be determined by DTM and/or loan amount is directed to our bank.

During Ramadan, the 10% of your credit limit is automatically added to your account as an extra rescue account limit. With the Rescue Account which can be used for emergency cash needs, even if you do not have adequate balance in your account, you can make your check/bills, invoice and other short term payments.

When you conduct your company agreements with merchants with your SME Card, you enjoy discounts and opportunities special for you.

EBRD (European Bank for Reconstruction and Development) and DenizBank cooperated on the credit project to support the companies that produce or sell products or services for Agriculture Industry as well as the individual farmers. The credit limit will be up to 100.000 Euro with appropriate interest rates and long-term credit opportunities. This 100.000 Euro credit’s loan term can be extended up to 5 years and can be used in 3 parts maximum.

Customers who want to benefit from this credit should be SME or individual farmers and should have employed less than 100 employees.

This credit could be used as investment loan or working capital loan. If it is used as working capital loan, it should be used with 1+1 2 years maturity term.

The Loan that protects the environment as well as your pocket is established with the cooperation of TURSEFF and DenizBank.

We submit a loan with affordable interest rates and long-term credit opportunities to support sustainable energy recourses as well as the energy efficiency projects with the cooperation of TURSEFF, a subsidiary of EBRD, and DenizBank.

This loan can be used up to 5 Million USD. While the loan could be used up to 300.000 USD for small scale sup projects such as replacing an old machine with a more energy efficient one, on the other hand, the loan also could be used up to 5 Million USD for hydroelectric, solar, thermal etc. power plants.

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