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CREDIT SERVICES

The Permanent Overdraft

This is support positioned in the client’s account on a permanent basis over a defined period. it is a solution provided to transfers and individuals of SUNEX FINANCE PLC

Condition:
• Be employees and / or officials transferred to our books
• Be an individual with stable and demonstrable income
• 40% of the amount of the salary for clients with no other commitment
• 20% of the amount of the salary for clients with a commitment
• Set-up costs for a period of 06 months possibly renewable

Ponctual Overdraft

This is an excess offered to our customers to meet a specific need
Condition:
• Be employees and / or officials transferred to our books
• Be an individual with stable and demonstrable income

Ponctual Overdraft

This is a school credit offered to transfers from the private, parapublic, private and public sectors to deal with the start of the school year and university

Condition:
• Being an employee or civil servant transferred to our books
• Be an individual with stable and demonstrable income
• Credit term: 10 months
• Amount: Three times the client’s salary and / or 03 times the amount of his monthly income
• Joint and several guarantee for the private and private sector
• AVI for private and public sector employees

Back to school credit (10 months)

This is a school credit offered to transfers from the private, parapublic, private and public sectors to deal with the start of the school year and university

Condition:
• Being an employee or civil servant transferred to our books
• Be an individual with stable and demonstrable income
• Credit term: 10 months
• Amount: Three times the client’s salary and / or 03 times the amount of his monthly income
• Joint and several guarantee for the private and private sector
• AVI for private and public sector employees

Easy Credit (12 months)

It is a credit offered to transfers from the private, parapublic, professional and individual sectors to deal with social events and working capital.

 Condition:
• Being an employee or civil servant transferred to our books
• Be an individual with stable and demonstrable income
• Credit term: 12 months
• Amount: 04 times the client’s salary and / or 04 times the amount of his monthly income
• Joint and several guarantee for the private and private sector
• Attestation for irrevocable transfer for private and public sector employees

Comfort or equipment credit (24 months)

It is a depreciable credit accessible to all employees of the private sector, parastatal and civil & military personnel of the state, associations, businessmen and companies to meet investments and equipment

Condition:
• Being an employee or civil servant transferred to our books
• Be an individual, associations, businessmen and companies with stable and demonstrable income
• Credit term: 24 months
• Amount: Up to 07 times the client’s salary and / or 07 times the amount of his monthly income
• Joint and several guarantee for the private and private sector
• Attestation for irrevocable for private and public sector employees
• Pledge of rents, property and education, mortgage, land title and many other guarantees

Purchase order financing

These are credits available to companies governed by Cameroonian law and / or legally constituted and having benefited from the State, public, parastatal and private companies from an administrative order form.
• Duration of financing 06 months,
• Credit amount = 60% of BCA
• Cash collateral = 5% deduction of the amount granted

GUARANTEES

  • AVI
  • Administrative order form
  • Administrative verification of documents
  • PROFOMA for deliveries
  • Real guarantees for technical work order forms

Discount invoice / listing

This is a credit available to companies with an administrative order form whose work and delivery have already been carried out, carried out and received by the client
• Duration of funding 06 months,
• Credit amount = 60% of BCA
GUARANTEES
AVI
Administrative order form
Administrative verification of documents

Check discount

Payment of a check, of a value issued by a first class bank before maturity

Credit line

It is a line open to companies under Cameroonian rights and legally constituted to deal with the daily management of their cash flow, orders and operating costs
 Condition:
• Duration: 12 months
• Pledge of the account / bond and DAT
• Pledge of rents, education and tangible and intangible goods

Financing of goods removal and customs clearance

Credit accessible to third parties through approved service providers for customs clearance and removal of containers and goods
Condition:
• Duration: 03 months
• Third party entry and exit appraisal fees
GUARANTEES

  • AVI
  • Third-party custody / Service provider’s surety
  • Administrative verification of documents
  • Contract and agreement according to the referential terms

Micro-crédits

Credit offered to VSEs, TPIs and customers with a daily deposit account to meet their cash and working capital needs
Condition:
• Duration: 12 months
• Pledge of the account / bond and DAT / CDJ
•Pledge of rents, tangible and intangible goods

Cautions

The deposit given to a customer is a commitment made by the bank (we speak of a commitment by signature) which makes it possible, in the event of possible default by this customer, to cover the beneficiaries of this deposit We distinguish : – Public administration: deposit required for public contracts, namely: Bid bond or provisional bond: this is a certificate of customer credibility in the case of an offer to win a contract Performance bond or performance bond: is issued to guarantee the successful completion of the contract, it runs until the provisional acceptance of the contract, most of the time it is required at the same time as the advance deposit of start-up Start-up advance deposit: is issued to guarantee the contracting authority the reimbursement of the advance made to the contractor to ensure the financing of operations preparatory to the performance of the contract Guarantee retention deposit: is issued to prevent the client from withholding sums intended to cover the proper performance of the contract including the repair of defects, it is valid until final acceptance of the contract – Customs administration: deposit required to guarantee payment of customs duties on import and export, namely: Bonded quote for removal credit General warehouse quote Customs declaration However, these guarantees are issued by our partner banks to satisfy our customers.
Condition:

  • The customer’s request, also called a letter of order
  • The copy of the contract or the agreement relating to the surety

Guarantees • Quarterly management fees • Fees of the issuing bank

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