General
Factoring loans makes business competitiveness on the market , increase liquidity, better management of the receivables and cash flow of the company.
Factoring is loan for working capital in which the Bank disbursed loan on the client account according to the receivables that client has, with max terms of 120 days.
Collateral: Combination of the following instruments: notary act on promissory note; cession signed between Halkbank AD Skopje , debtor and Cesus.
Acceptable companies - Cesus for bank: according to a list of acceptable companies adopted by the Managing Board of the Bank