:: Credit & Financing | Beige Capital Savings and Loans Ltd

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Credit & Financing

We are here to help businesses meet their business aspirations the right way. We know that the best banking relationships are be based on a win-win solutions. Core to our Corporate and SME banking, we offer innovative Credit and Financing Solutions that address your specific business growth needs.
How we can grow your business
Having available working capital and a sturdy cash flow is undeniably vital, as it allows your company to grow and take advantage of new opportunities.

– Speedy decisions for your applications.
Providing quick response on all your new business applications and growth ideas.

– Lending solutions to fund your growth.
We give you the financial support for your business expansion plans

– Committed to your business.
We can enable you to drive your business growth with additional capital. Through a host of speedy services and lending solutions, we are able to assist you to make the most of business growth opportunities with short-term, medium-term and long-term financing solutions.

We’re on hand to enter into three-way supplier-chain agreements that ensure our clients are able to pay their essential suppliers promptly – and our systems make this a simple and efficient process.
We study our customers’ cash flow needs and design the most appropriate solution accordingly. This may be in the form of stock-funding to invoice-discounting, to loans against import/export orders, or factoring.

Pesewa Credit
Are you a trader or small business owner with the skills and expertise to make a success of your business?

Has your loan application been turned down because you did not have enough collateral?

We designed this product specially to meet the credit needs of small businesses. It is a product geared towards providing working capital support for traders and businesses that are contributors to our Pesewa Savings Account product, but do not have adequate collateral. The maximum tenure is 3 months.

Features
– Loan amount ranges between GHc2,000 and GHc20,000.
– Loan tenure is between 1 and 12 months.
– Monthly installments or payment should not go beyond 40% of client’s net salary or income.

Interested?

Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Port Credit
Port Finance has been designed to assist individuals in their import and export transactions and targets SMEs and Corporate clients

Port Finance has been designed to assist individuals in their import and export transactions and targets SMEs and Corporate clients as well as Individuals with good businesses.

Features
– Loan amount ranges between GHc2,000 and GHc100,000,000.
– A maximum Loan tenure of 6 months, unless our customer provides a justifiable reason for a much longer tenure.
– Repayment could be bullet or monthly.

Basic Requirements
– Business Registration Documents.
– Evidence of Shipping and Customs Assessment Documents.
– Cash flow and profitably analysis of the business.
– Bank Statement and 3 years audited financials.

Smart Loan
We give a boost to your business’ finances when you need it most. A helping hand to sort out an unexpected pressing business need.

This product is an advance given at short notice for short term to finance quick business deals. Existing clients who get very good business deals that require some quick financial support are able to access this facility. The maximum tenure is 3 months.

Basic Requirements
– Business Registration Documents
– Cash flow and profitably analysis of the business.
– Bank Statement and 3 years audited financials.

Office Mortgage
Are you planning to remodel your office or set-up a new one? Then consider this line of credit to facilitate your needs.

Application processing is faster if you are already a client of BEIGE Capital.

Office Mortgage is geared towards assisting micro-entrepreneurs acquire or rent office space. Payment for office space is made directly to the owner of the shop with tenancy right to BEIGE Capital. The maximum tenure is 36 months.

Basic Requirements
– Business Registration Documents.
– You must have been in business for at least 2 years.
– Cash flow and profitably analysis of the business.
– Bank Statement and 2 years financials.

Fellowship Box
We designed this product to assist Registered Churches who need financial support to upgrade their infrastructure and other developmental projects.

Features
– Loan amount ranges between GHc2,000 and GHc100,000.
– Maximum loan tenure is 24 months.
– Weekly or monthly repayment plan, depending on convenience.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Basic Requirements
– The church should be registered as a business.
– Church must belong to any of the recognized Christian Organizations.
– Should have been in existence for at least 2 years
– Bank Statements and 3 year audited financials.

Personal Loans
When you need cash the most, you can rely on us to serve you with a Personal Loan that provides you with either a lump sum of money or a revolving

When you need cash the most, you can rely on us to serve you with a Personal Loan that provides you with either a lump sum of money or a revolving line of credit, depending on how you want to use it.

Our Personal Loans are geared towards providing timely cash for salaried employees to acquire assets, pay bills and for personal development. Most employees, due to various demands on their monthly salary, find it difficult if not impossible to save to acquire consumer items such as electrical appliances and furniture.

Features
– Loan amount ranges between GHc2,000 and GHc20,000.
– Loan tenure is between 1 and 12 months.
– Monthly installments or payment should not go beyond 40% of client’s net salary or income.

Other Personal Loan Products we offer;

School Fees Loans

It is geared towards the payment of school fees of mainly salaried employees and individual entrepreneurs. This is a Social Capital product designed to provide customers with affordable loans to pay their child’s school fees and ensure that kids are always in school. The maximum tenure is 4 months.

Auto Loans

Designed for salaried employees and businesses to acquire vehicles for personal use or commercial purposes. The maximum tenure is 36 months.

Consumer Loans

These are geared towards assisting salaried employees to acquire assets and other home appliances from specific sales point. The maximum tenure of the loans is 24 months.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Scheme Loans

These are designed for salaried employees in both the public and private sectors. The Company should have operated for at least 5 years to be considered for this facility. The maximum tenure is 24 months.

Community Project Credit
We live and work in communities and we always want to give back some way. That is why we designed this product to cater for the finance needs…

We live and work in communities and we always want to give back some way. That is why we designed this product to cater for the finance needs of our communities for projects and other amenities.

A product designed to enhance BEIGE Capital’s social equity. It is geared towards providing basic amenities for the benefit of communities. The product aims at businesses that are into Build-Operate-Transfer in providing amenities such as KVIP, small markets, water projects and other beneficial community projects. The maximum tenure is 36 months.

Another Community-related financing product is the;

School Fees Project Loan
This product is a Social Capital product designed to assist schools who need financial support to upgrade their infrastructure and for other development projects. The maximum tenure is 36 months.

Interested?
Complete the application form and bring it to your nearest BEIGE Capital branch, along with the supporting documentation listed on the last page of the form.

Contract Finance
This is designed to assist Micro-enterprises and SMEs execute contracts from recognized institutions. Payments for work done will be made directly…

This is designed to assist Micro-enterprises and SMEs execute contracts from recognized institutions. Payments for work done will be made directly to BEIGE Capital. The maximum tenure of the loan is 12 months.

Micro Lease
We have developed this product to assist micro and small scale enterprises to acquire business assets to help in their operations.

The target is mainly micro and small businesses. However, SMEs and Corporate clients may also be considered.

Features
– Loan amount ranges between GHc5,000 and GHc100,000.
– Maximum loan tenure is 24 months.
– Monthly or weekly repayment plan is feasible, depending on the cash flow cycle of your business.

Basic Requirements
– Business Registration Documents.
– Proforma Invoice from your Vendor.
– Cash flow and profitability analysis of the business.
– Bank Statement and financials.

Trade Finance
This is geared towards providing working capital support for businesses over a fixed period of time. The maximum tenure is 12 months.

This is geared towards providing working capital support for businesses over a fixed period of time. The maximum tenure is 12 months.