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.