DCSIMG Sector Loans | DenizBank

These are our loan types that offer appropriate payment options and maturity depending on the cash flows that vary seasonally of the business, which operate at different sectors.

It is a financial support for your business, dealing, importing and exporting, processing gold and making revenue thereof.

  • Loan is utilized in gold and reimbursement will be made in gold as well.
  • You can utilize it up to maturity of 6 months in TL or in foreign currency.

This loan pertains to the financing of the investments on capacity increase, construction of plants and additional premises, machine purchases, renewal of equipment that the businesss operating in manufacturing sector shall make.

  • The loan has a grace period for the times of the year when your cash flow is slow; then it is reimbursable in equal installments (Grace period is defined further to assessment of loanability)
  • Maturity up to 60 months is possible.

It is for the financing of operational capital, purchase of goods, sales maturity and other requirements of pharmacies at maturity and payment options that are suitable to the sector's seasonal properties.

  • Grace period in June, July and August when cash flow is low; then reimbursable in remaining 9 months in equal installments.
  • Maturity up to 36 months.

It is a loan that is utilized by main dealers, main distributors, stores, wholesale and retailers operating in stationery sector in order to finance purchase of goods and investment needs.

  • Grace period from March to August when cash flow is low; then reimbursable in remaining 6 months in equal installments. 
  • Maturity up to 36 months.

Regular Land Transportation Credit

Taxi License Loan

This loan is offered to commercial taxi operators active in the provinces of Istanbul, Ankara and Izmir in the process of obtaining a commercial license.

  • Upper level in loans aimed at obtaining a license is 35% of the current license (license plate) value.
  • Maximum maturity is 36 months.
  • You can apply to our branches in the provinces of Istanbul, Ankara and Izmir.

General Purpose Loans

These loans are granted in order to meet the general funding needs of minibus, mini coach and commercial taxi operators.

  • Maximum maturity is 36 months.

Commercial Vehicle Loans

Commercial Taxi Purchase Loan

Commercial taxi operators in the provinces of Istanbul, Ankara, Izmir and Touristic Regions (Aegean and Mediterranean coastal region) can use these credits for new and second hand vehicles.

  • Can be used in the provinces of Istanbul, Ankara, Izmir and Touristic Regions (Aegean and Mediterranean coastal region).
  • Offers ease of payment with seasonal repayment option (with a grace period of 6 months) in Taxi Purchase Loans to be used in Touristic Regions.
  • A loan equal to 100% of the vehicle's original invoice amount can be granted in 0 km vehicles.
  • In second hand vehicles, a loan equal to 50% of the car insurance amount can be granted as long as the vehicle is not older than 3 years.
  • Maximum maturity is 60 months.

Bus Purchase Loan (Public Transportation Busses)

Public Transportation Bus operators can use this loan for purchasing new or second hand busses.

  • A loan up to 100% of the original invoice amount of the vehicle can be granted in 0 km vehicles.
  • In second hand vehicles, a loan equal to 75% of the car insurance can be granted.
  • Maximum maturity is 60 months.

Minibus / Mini Coach Purchase Loan

Minibus and mini coach operators can use this loan for their new or second hand bus purchases.

  • A loan up to 75% of the original invoice amount of the vehicle can be granted in 0 km vehicles
  • In second hand vehicles, a loan equal to 50% of the car insurance can be granted.
  • Maximum maturity is 60 months.

It is a loan that can be utilized by sellers of timber, floor coverings and tiles, manufacturers of furniture and other wood products, suppliers who manufacture and retailers and whole-sellers operating at furniture sector in order to finance purchase of goods and raw materials, renewal of workplaces and equipment and investments.

  • Grace period in March, April, May and June when cash flow is low in the sector; then reimbursable in remaining months in equal installments.
  • Maturity up to 36 months.

It is a loan that is utilized by automotive sub-industry businesss that supply raw materials, semi-finished products and products to automotive sector in order to finance operational capital, purchase of goods and raw materials, renewal of workplace and equipment and investment.

  • Grace period (5 months) from July to November when cash flow is low; then reimbursable in remaining 7 months in equal installments.
  • Maturity up to 36 months.
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