Loan Products

A revolving loan is a product that allows for partial or full repayment with collections and has option to reuse when needed. It provides cash flow convenience to customers by enabling them to open and close lines of credit as needed within a specified period. The interest rates of revolving credits vary according to market conditions and are collected at the end of each three-month period and in any case at the time of credit repayment.

Spot Loan is another loan product that our customers can use for their short-term working capital needs. In this type of loan the principal and interest are paid at the end of the term. Spot credits offer fixed interest rates, which provide our customers with protection against fluctuating market rates. This means that the interest rate is locked in at the time the loan is utilized, and the borrower will know exactly the interest amount due at the end of the term. This allows our customers to budget and forecast their cash flow more effectively.

Discount loans are a type of credit that allows our customers to monetize their outstanding checks that have not yet reached their due date, addressing their working capital requirements. In this type of credit, the amount remaining after deducting interest, commissions, and statutory deductions from the period between the discount date and the maturity dates of the checks is transferred to our customers' accounts on the discount date. The credit is repaid with collections of the discounted checks at the respective maturity dates.

Murabaha is a financing structure where the purchase price or cost of a good is disclosed to the client, and a specified profit margin is added, selling the good either on cash or deferred payment terms. This is also known as traditional murabaha and simple murabaha.

For murabaha financing, a tangible good must be bought and sold. To avoid resemblance to interest-bearing transactions, the good must not be money or a money-like product such as gold. The financed good must also comply with Islamic principles (halal). Our bank provides murabaha financing to its clients. You can find the approval certificate and customer information form for this product below.

Islamic Finance Advisory Committee Approval Certificate

Murabaha Contract Customer Information Form

Supplier financing loan is a type of credit product that enables suppliers who regularly provide goods or services to corporate and commercial enterprises to access liquidity when needed by discounting their outstanding invoices arising from deferred sales of goods/services to these firms. Offered digitally through the Supplier Financing System, this product relieves both buyers and suppliers of operational workload. Through the system, suppliers who receive quick and easy financing opportunities in exchange for their invoices can operate under the structure through the buyer's or their own limits.

Export loan is a type of credit product designed to provide our exporting customers with working capital financing before or after their exports. This product helps our exporter customers to regulate their cash flow, meet their working capital needs, and manage their foreign exchange risk. Its use is subject to certain conditions determined by regulations. The credit can be used as spot or revolving credit.

In order to develop exports and provide cheaper financing to our exporting customers, various loan facilities offered by Türkiye İhracat Kredi Bankası A.Ş. (Türk Eximbank) are made available under the guarantee of our bank.