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PERSONAL BANKING

Cash Loans

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​​Bank Overdraft Accounts 

You can fulfill your company’s financial needs through our Bank Overdraft Account loans which you can use freely within the specified maturity and limits (revolving) and pay its interest generally in three-months period (31st of March, 30th of June, 30th of September, 31st of December) and which are responsive to the interest rate changes in the market.  

Fixed-Interest Revolving (Bank Overdraft Account) Loan 

You can fulfill your financial need without being affected from the interest rate changes in the market. 

Spot Loan

You can fulfill short-term financial needs of your company through our Spot Loans. 

TL/Foreign Currency Spot Loan With Early Settlement 

You can fulfill short-term financial needs of your company without being affected from the interest rate changes in the market.

MaxiPOS Loan 

MaxiPOS Loan is a loan that you can use in provision for the outstanding blocked amounts in your accounts and your total installment receivables if you have a İş Bank POS machine and a contract with Maximum. 

Gold Loan 

If you are dealing with gold production or gold trade, you can benefit from our products through reasonable maturity date/term options.

Commercial Property Finance

You can use “Commercial Property Finance” in order to fulfill your financial need for commercial property purchases such as factory, store, preparatory school and offices.

Commercial Car and Fleet Loan  

In order to be faster in trade, you can benefit from reduced interest rates within the scope of the campaigns which our Bank is organizing with contracted brands. 

TL Cheque Discount / Purchase Loan 

These are loans which you can benefit in order to finance your short-term cash needs. You can put more than one cheques of yours into discount at once though TL Cheque Discount / Purchase Loan. 

Overseas Foreign Currency Negotiating Cheque Loan 

You can turn the bank cheques except the cheques drawn on İş Bank into cash through Foreign Exchange Indexed Cheque Purchase Loan.

Foreign Exchange Indexed Cheque Purchase Loan 

You can turn the bank cheques except the cheques drawn on İş Bank into cash through Foreign Exchange Indexed Cheque Purchase Loan.

TL Export Loan 

You can use Export Loan under suitable conditions in order to finance your export activities and sales and deliveries considered as export and foreign currency earning activities.  

Eximbank Loans

You can use Eximbank-sourced loans through our Bank.  

Foreign Currency Loan for Export

You can fulfill the working capital finance that you may need for your export activities through foreign currency denominated Foreign Currency Loan for Export.

Investment Loan 

You can use foreign exchange indexed or foreign currency denominated Investment Loan aimed at financing your cash need regarding machine and/or workplace purchases.  

Day Loan

You can fulfill your temporary financial needs that emerge within the day not exceeding one day through Day Loan that you can use without paying any interest (zero interest). 

Supplier Loan 

If you are carrying out your production or activities by providing goods and/or services for big-scale companies through a supplier chain, you can fulfill your short-term cash need with our Supplier Loan product. 

Foreign Currency Loans

You can use foreign currency loan from our Bank within the scope of the Communiqués regarding the Decision Numbered 32 about the Law Regarding the protection of the Value of Turkish Currency and the Circulars of the Central Bank of the Republic of Turkey explaining these Communiqués and the Communiqués of the Undersecretariat of Foreign Trade and on condition that certain conditions are met. 

Domestic Foreign Currency Loan

You can fulfill your financial need with a term of more than 1 year and at the amount of at least 5 million USD (or equivalent) from our Bank without the need of being an exporter or without the need of an incentive certificate. 

Project Finance

Our Bank supports both extended investments of current enterprises and also the projects that will be put into practice completely new by providing medium and long-term cash and/or non-cash loan. 

Foreign Exchange Indexed Loans 

You can obtain a suitable source of finance through our Foreign Exchange Indexed Loans that you will become indebted in foreign currency in periods when the increase in foreign exchange rates are below TL interests, but you will use as Turkish Lira. 

Tourism Operation Loan 

We fulfill the financial needs of the companies which carry out activities in tourism sector in “off- season” such as repair and maintenance, renovation and capacity increase. 

Commercial Property Rental Loan

You can use Commercial Property Rental Loan in order to pay the rent of the commercial properties you have rented (store, factory, preparatory class, office etc.) to be used in your commercial activities. 

Lease Rental Discounting

You can use Lease Rental Discounting in order to finance your working capital needs in return for the rental incomes you earn from the real estate properties you own. 

Country Loans 

If you are importing investment goods from abroad, you can fulfill your medium or long-term financial needs through our Bank from our foreign correspondent banks under the Insurance of Export Loan Guarantee Institutions.

Forfaiting

You can get finance before maturity by transferring your time receivables arising from international commercial transactions to our Bank through forfeiting. 

Discount Purchase Loan 

You can put more than one cheques of yours into discount at once though TL Cheque Discount / Purchase Loan. 

Medium-Term Equipment / Machinery Investment Loan  

We fulfill the financial needs arising from machinery and/or equipment purchase of the members of the Machine Manufacturers Association and the companies which these members make sale as Foreign Currency within the scope of TL, Foreign-Based Foreign Currency or Investment Incentive Certificate. 

Machinery / Equipment Export Loan 

We fulfill the pre-shipment financial need of the exporters who are members of the Machine Manufacturers Association through monthly equal installments payable loans. 

Exchange Rate Protected (Optional) Foreign Currency Loan 

To end the exchange rate worry! If you are worried about an increase in the exchange rates at the maturity date of your foreign currency loan and/or foreign exchange indexed loan, you can use Exchange Rate Protected (Optional) Foreign Currency Loan in order to control your debts and also to be protected against the exchange rate movements. 

Domestic Other Bank Bill-Guaranteed Policy / Bill Discount 

It is a loan product of our Bank in order to meet the discount demands of our trading customers who are in debtee position in return for Foreign Currency policy /bill that has bill guarantee of a valid domestic bank. .

Domestic Letter of Credit Discount

It is a commercial loan product of our Bank in order to meet the discount demands of the letters of credit opened to our Bank by issuing banks and in favor of our customers who are in debtee position related to the commercial activities carried out domestically. 




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