Correspondents credit

The purpose of this credit mechanism is to finance Colombian goods and/or services purchasers abroad, through financial intermediaries previously rated by BANCOLDEX, or by Banks with Investment Grade Rating, utilizing payment instruments.

Likewise, it finances engineering or construction projects, developed partially or in whole by companies domiciled in Colombia.

It may also finance Colombian goods purchases through ALADI payment agreements in member countries, with banks authorized to operate such agreement.

Also, this product allows to finance financial intermediaries previously rated by BANCOLDEX, export pre-financing operations or financing needs for imports from other countries.


1025|Cupo Especial de Crédito Operadoras del Sistema Integrado de Transporte Público – SITP|146|

Sí su empresa necesita:

Financiar las necesidades de capital de trabajo requerido para el proceso de montaje y puesta en operación de las empresas Operadoras del Sistema Integrado de Transporte Público – SITP

Bancóldex a través del Cupo Especial de Crédito Bancóldex para Operadoras del Sistema Integrado de Transporte Público – SITP

Beneficios del Cupo Especial de Crédito:

• Está orientado a empresas Operadoras del Sistema Integrado de Transporte Público – SITP que presenten el acta firmada de inicio del contrato con Transmilenio S.A., además del Certificado de cámara de comercio de la Operadora con un plazo de expedición máximo de 30 días calendario.
• Financia hasta $ 4.586.000.000.00
• Establece una tasa de redescuento de DTF (E.A) – 2 % E.A.
• Hasta 4 años de plazo y contempla hasta 18 meses de periodo de gracia

Comuníquese con nosotros:

Contamos con múltiples canales de comunicación y un completo equipo de trabajo dispuesto a atender sus solicitudes e inquietudes:

• Multicontacto Bancóldex:Nuestra línea de atención y servicio al cliente:
  Bogotá (57-1) 742 0281.
  Otras Ciudades 018000 18 0710.
• Multicontacto Online
• Correo Electrónico :Le responderemos con rapidez.

Lo invitamos a hacer uso de cualquiera de nuestros canales de comunicación donde usted recibirá información sobre los productos y servicios que sin duda contribuirán con el crecimiento y fortalecimiento de su empresa.

Credit Modalities

Fixed investment

This credit line finances investments in fixed necessary for products and services production or commercialization processes, and to increase the installed capacity, to develop industrial reconversion processes and technological improvement of micro, small, medium and large enterprises from all economic sectors.

Leasing

Through this mechanism Bancoldex provides funds for financial entities for the amount of the financial leasing contracts entered into with micro, small, medium and large enterprises from all economic sectors, in connection with goods used for manufacturing or commercializing their products or services.

Creation, capitalization and acquisition of enterprises

This credit line finances capital contributions of partners or shareholders of companies who benefit from BANCOLDEX credits.

Comprises financing of contributions for creation of new companies, acquisition of shares or corporate interest quotas to allow horizontal or vertical integration, and increase of paid capital necessary for modernizing and developing new projects of micro, small, medium and large enterprises from all economic sectors.

Working capital

This credit line finances operational costs and expenses inherent to the economic activity of enterprises such as raw materials, inventories, promotion activities oriented towards entering, broadening or consolidating markets, among others.

It is available for micro, small, medium and large enterprises from all economic sectors.

Consolidation of liabilities

This credit line allows the re-composition of liabilities of micro, small, medium and large enterprises from all economic sectors, with Bancoldex resources, of their liabilities in force, in order to improve term conditions, rate or recurrent payment intervals.

Debts with partners are excluded.

Special Credit Limits - Agreements

Aiming to focus financial support for the entrepreneurial sector, the Bank has entered into several agreements with governmental entities such as ministries, regional government offices, city halls, international cooperation agencies, among others, in order to establish Special Credit Limits to provide liquidity in pesos and or in dollars for different entrepreneurial sectors, in accordance with their geographic location, their size or the destination of resources, offering preferential financial conditions. These special Credit Limits contemplate, as the case may be, limits for maximum financial amounts for each company, as well as compliance of specific conditions to have access to resources.

Through these Special Limits Bancoldex irrigates credit in accordance with the entrepreneurial segment or region that may require a special support mechanism; some credit limits have a national coverage and other have regional coverage.

Enterprises capitalization Support

Bancoldex Capital Program promotes the private equity and venture capital industry in Colombia

Program Components

• Financial support:investment in Private Equity and Venture Capital Funds. Bancoldex does not invest directly in companies
• Non financial support :Bancóldex will contribute to the construction of the ecosystem of the Industry of Private Equity and Venture Capital. This in order to incorporate best practices in the industry, through activities for investors, managers, companies and other industry players

Main objectives

• Make available to Colombian companies new sources of long-term financing through fresh capital from the private equity funds
• Promote private equity and venture capital industry in the country
• Attract new investors, local and foreign, to participate in the private equity industry in the country
  

1017|Foreign trade|308|Special Credit Limits – Agreements

Aiming to focus financial support for the entrepreneurial sector, the Bank has entered into several agreements with governmental entities such as ministries, regional government offices, city halls, international cooperation agencies, among others, in order to establish Special Credit Limits to provide liquidity in pesos and or in dollars for different entrepreneurial sectors, in accordance with their geographic location, their size or the destination of resources, offering preferential financial conditions. These special Credit Limits contemplate, as the case may be, limits for maximum financial amounts for each company, as well as compliance of specific conditions to have access to resources.

Through these Special Limits Bancoldex irrigates credit in accordance with the entrepreneurial segment or region that may require a special support mechanism; some credit limits have a national coverage and other have regional coverage.

Bancoldex Capital Program promotes the private equity and venture capital industry in Colombia

Program Components

• Financial support:investment in Private Equity and Venture Capital Funds. Bancoldex does not invest directly in companies
• Non financial support :Bancóldex will contribute to the construction of the ecosystem of the Industry of Private Equity and Venture Capital. This in order to incorporate best practices in the industry, through activities for investors, managers, companies and other industry players

Main objectives

• Make available to Colombian companies new sources of long-term financing through fresh capital from the private equity funds
• Promote private equity and venture capital industry in the country
  Attract new investors, local and foreign, to participate in the private equity industry in the country
  

759|Cupo de Crédito Alcaldía de Tumaco - Bancóldex para micros y pequeñas empresas|146|

• Incrementar sus niveles de productividad y competitividad
• Invertir en activos fijos y diferidos necesarios para llevar a cabo el proceso de producción y/o comercialización de bienes y servicios como:terrenos, bodegas, locales comerciales, vehículos, maquinaria, equipo, tecnología
• Financiar los costos y gastos operativos propios de su funcionamiento tales como:compra de materia prima, pago de mano de obra, costos directos e indirectos de fabricación, insumos
• Atender nuevas oportunidades de negocio

Bancóldex financia sus necesidades de capital de trabajo e inversión fija a través del Cupo de Crédito Alcaldía de Tumaco - Bancóldex para micros y pequeñas empresas

Beneficios del Cupo de Crédito:

• Atiende tanto a las personas naturales como jurídicas consideradas como micros y pequeñas empresas de todos los sectores económicos, localizadas en el municipio de Tumaco
• Posee un monto de $ 10.000.000 para microempresas y de $  50.000.000 para pequeñas empresas
• Establece una tasa de redescuento de DTF (E.A) + 1% E.A
• La tasa es libremente negociable con el intermediario financiero

Comuníquese con nosotros:

Contamos con múltiples canales de comunicación y un completo equipo de trabajo dispuesto a atender sus solicitudes e inquietudes:

• Multicontacto Bancóldex:Nuestra línea de atención y servicio al cliente:
  Bogotá (57-1) 742 0281.
  Otras Ciudades 01 8000 18 0710.
• Multicontacto Online :Atención personalizada en línea.
• Correo Electrónico :Le responderemos con rapidez.

Lo invitamos a hacer uso de cualquiera de nuestros canales de comunicación  donde usted recibirá información sobre los productos y servicios que sin duda contribuirán con el crecimiento y fortalecimiento de su empresa.

Aiming to focus financial support for the entrepreneurial sector, the Bank has entered into several agreements with governmental entities such as ministries, regional government offices, city halls, international cooperation agencies, among others, in order to establish Special Credit Limits to provide liquidity in pesos and or in dollars for different entrepreneurial sectors, in accordance with their geographic location, their size or the destination of resources, offering preferential financial conditions. These special Credit Limits contemplate, as the case may be, limits for maximum financial amounts for each company, as well as compliance of specific conditions to have access to resources.

Through these Special Limits Bancoldex irrigates credit in accordance with the entrepreneurial segment or region that may require a special support mechanism; some credit limits have a national coverage and other have regional coverage.
751|Foreign trade|308|

International banking operation (OBI)

To boost trade, offers Bancóldex Colombian exporter directly to various services that contribute to the successful closing of commercial transactions:

• Confirmation or notice of letters of credit (L / C) Export:overnight, acceptance ordeferred payment
• And negotiation of documentary collections
• Confirmation of standby letters of credit (such bank guarantees)
• Management orders (channeled through the ALADI agreement) and receiving wire transfers for post-shipment, through exports of Colombian goods 
• Repayment of foreign currency from exports of goods and / or services Colombians
  
  
  

As a strategy to support the strengthening of micro and medium enterprises and to improve their access to credit, BANCÓLDEX created five Entrepreneurial Centers –BANCOLDEX CEB- in Bogotá, Cali, Barranquilla, Pereira and Bucaramanga.

This assistance scheme has become a true instrument to improve the attention for those smaller entrepreneurs who thought they had no access to credit, due to their lack of credit experience, or because their business units were too small or informal (not registered with the chamber of commerce).

Throughout 2009, BANCÓLDEX Entrepreneurial Centers provided assistance to 12,031 people, including entrepreneurs and businessmen in a timely manner and offered centralized financial services and entrepreneurial development services for their productive units.

During 2009, through financial entities associated with the CEBs, $19.471 billion were disbursed , to the benefit of 2,275 micro and small entrepreneurs of all economic sectors, granting an average credit of 8.6 million.

385|Total loan portfolio|313|

Balance COP (Million)

Bancoldex designed and implemented the program Futurex Micro-entrepreneur Insurance in order to reduce social vulnerability of entrepreneurs belonging to this segment and their families.

Currently there are two microinsurance products:life, in alliance with Sura and damages with Mapfre, which, through the microfinancial entities network, is acquired at low cost by microentrepreneurs, and with a light operational scheme ensuring timeliness to attend casualties.

Futurex Life was designed to generate benefits both to microentrepreneurs as well as to the microfinancing entity, since it provides protection to the entrepreneur and its family in case of accidental or natural death or suicide, total or permanent disability and serious illnesses, besides it offers additional coverage such as aid for funerary expenses and family expenses due to death or disability. In the case of financial institutions this microinsurance covers the client's portfolio in case any of the aforementioned events occur; likewise income is available for product commercialization.



Futurex Damages is a microinsurance that allows the entrepreneur to cover its home and company, both the building as well as the contents, regardless of geographical location at a national level, and of the type of materials used in its construction, thus allowing a greater coverage and to benefit a greater number of Colombian microentrepreneurs. Additionally, it offers two types of income in an event of casualty:first, it allows the microentrepreneur to perceive income in the event of closure of its economic unit and second, to cover the microcredit limit or for free use.

382|Entrepreneurial formation|308|

Entrepreneurial formation, training and updating program that seeks to improve the management, performance and competitiveness of Colombian enterprises, with emphasis in the SMEs, through knowledge management.

The program's objective is to contribute to entrepreneurial development through an integral scheme of formation and updating including financial, administrative, legal and commercial aspects to facilitate enterprises assure their permanence in a market that is increasingly competitive.

The program contemplates cycles with theoretical-practical training in person, with short and medium duration in accordance with the needs of each entrepreneurial segment.

As a supplementary tool and to allow the entrepreneur to develop self-forming processes, the Bank offers the virtual course MANAGEMENT ISSUED FOR CREDIT ACCESS, which includes four modules whose emphasis is the financial area.  In addition, the course MANAGEMENT ADVISOR FOR INTERNATIONAL NEGOTIATION, comprised by five modules wherein the entrepreneur may get to know the most relevant items of the payments flow in an international negotiation.

Likewise, Bancoldex has two updating booklets:EXCHANGE COVERAGES and GENERAL MANAGEMENT ASPECTS TO ACCESS CREDIT

These tools can be obtained directly (in Spanish) from Bancoldex web site, www.bancoldex.com

Product through which BANCÓLDEX buys, to enterprises of the national market and to direct or indirect exporters, discounted invoices, originating in the sale of goods or services in Colombia or abroad subject to credit.

This product operates under to schemes:LIQUIDEX COP-USD, in which a company sells goods or services and has insured its portfolio with an insurance policy for its credit portfolio, with the possibility of discounting the invoices, directly with BANCÓLDEX at competitive rates.

The other scheme is LIQUIDEX PRODUCTIVE CHAINS with which BANCÓLDEX, through a global credit insurance policy has covered the portfolio in charge of a purchaser company so its suppliers may directly discount with BANCÓLDEX their invoices at competitive rates.

With these schemes Bancóldex provides liquidity to supplier enterprises in a non-excluding manner, since the supplier company is not subject to a study of credit quota in order to have access to this product.

380|Foreign trade|308|

BANCÓLDEX buys directly from the Colombian exporter, securities deriving from exports, endorsed by an eligible bank:

• Acceptances or deferred payments generated by letters of credit.
• Drafts endorsed by financial intermediaries abroad with direct credit lines or with irrevocable reimbursement commitments.
• Draft Installments.
• Purchase and sale invoices or drafts of exchange accepted by the importer and endorsed by a Standby Letter of Credit.

The purpose of this credit line is to finance Colombian goods and/or services purchasers abroad, through financial intermediaries previously rated by BANCOLDEX, or by Banks with Investment Grade Rating, utilizing payment instruments. Likewise, finances contracting of engineering or construction projects, to be developed partially or in whole by companies domiciled in Colombia. It may also finance Colombian goods purchases through ALADI payment agreements in member countries, with banks authorized to operate such agreement
377|To improve liquidity for enterprises|308|The purpose of this credit line is to finance financial intermediaries previously rated by BANCOLDEX regarding export pre-financing operations or financing needs for imports from other countries, using a percentage of their approved credit quota.

This credit line finances operational costs and expenses inherent to the economic activity of enterprises such as raw materials, inventories, promotion activities oriented towards entering, broadening or consolidating markets, among others. It is available for micro, small, medium and large enterprises from all economic sectors.
375|To improve liquidity for enterprises|308|

This credit line allows the re-composition of liabilities of micro, small, medium and large enterprises from all economic sectors, with Bancoldex resources, of their liabilities in force, in order to improve term conditions, rate or recurrent payment intervals. Debts with partners are excluded.

This credit line finances capital contributions of partners or shareholders of companies who benefit from BANCOLDEX credits.

Comprises financing of contributions for creation of new companies, acquisition of shares or corporate interest quotas to allow horizontal or vertical integration, and increase of paid capital necessary for modernizing and developing new projects of micro, small, medium and large enterprises from all economic sectors.
373|Servicios|116|

Asesorías y consultorios

Asesoría financiera: si usted necesita saber cuáles son las oportunidades para acceder a un crédito, bajo las mejores condiciones ofrecidas por Bancóldex en materia de tasas y plazos, puede solicitar la información de manera gratuita acercándose a los Centros Empresariales Bancóldex. 

Una vez identificada la mejor alternativa de financiamiento para su empresa, el Centro Empresarial le ayuda a seleccionar el banco apropiado para tramitar su solicitud de crédito. Algunos de los intermediarios que puede encontrar son el Banco Caja Social, Finamérica, Bancamía, Leasing Bancoldex, Leasing Bolívar y Compañía Financiera de Antioquia.

Consultorio contable:si necesita aprender a llevar esquemas contables y financieros, realizar análisis de riesgos, necesita liquidar sus obligaciones fiscales, está pensando en formalizar su empresa o necesita asesoría en temas contables, de gestión, control y fiscalidad, en el Centro Empresarial Bancóldex encontrará asesoría gratuita en temas contables, en colaboración con la Universidad Central.

Consultorio jurídico: si está pensando en formalizar su negocio, cambiar el tipo societario de su empresa para crecer, tiene inconvenientes legales con los socios, proveedores o clientes de su compañía; necesita asesoría en temas tributarios, comerciales, societarios, penales o laborales, puede acercarse a los Centros Empresariales Bancóldex para recibir asesoría sin ningún costo, en asociación con la Universidad de La Sabana.

Consultorio empresarial: si desea saber el valor de sus clientes y cómo prestarles un excelente servicio, cómo fijar los precios de sus productos y controlar los costos de fabricación, qué debe hacer para exportar o cómo realizar una buena gestión financiera, acérquese a cualquiera de nuestros puntos para recibir asesoría gratuita en temas empresariales, en colaboración con la Universidad Externado de Colombia.


Servicios no financieros

Fortalecimiento empresarial:Si usted busca formalizar, consolidar, fortalecer o hacer crecer su empresa, acérquese a los Centros Empresariales Bancóldex y pregunte por los programas de capacitación, seminarios, conferencias, cursos libres y programas de formación empresarial que se realizan en colaboración con la Cámara de Comercio de Bogotá, Universidad Externado de Colombia, Universidad de la Sabana, Universidad Central, Universidad Jorge Tadeo Lozano y el servicio Nacional de Aprendizaje - SENA.