FINANCIAL PRODUCTS

 

DEVELOPMENT CREDIT

This is a loan that has as its object providing resources to our clients to develop social development programs and investment projects.

Types of Investments to be financed: the finality of this credit is financing projects oriented to satisfy basic community needs, in order to contribute to the improvement of their quality of life. The kinds of investments that could be financed through this modality are among others:

Education

Promotion of agriculture and cattle raising activity; forest and environmental care

Housing

Promoting development; projects for job generation

Sports, recreation and culture

Transportation and ways development

Drinking water and basic clean-up

Health

BENEFITS

•  Permanent backing by the Institute's counseling group in the preparation and execution of projects being financed

•  Timeliness and quickness in taking care of the requirements of our clients

•  Low interest rates

•  Financing terms (periods) according to the payment capability and nature of the project

•  Sufficient and timely resources for financing the development plans

•  Scheduled outlays according to the budgets being executed, thus incurring in lower financial costs

 

 

TREASURY CREDIT

Loan to take care of temporary situations of lack of liquidity of our clients 

BENEFITS

• Quickness and timeliness in resource outlays

•  Low interest rates

•  Flexibility and negotiation in the payment form

•  No penalty charge for early payment

•  No additional costs are added for credit management

 

 

CREDIT NETWORK WITH THE NATIONAL FINANCIAL FUNDS

It is a multi-sector line of credit by which we intermediate resources from national financial funds for our clients. Our purpose is to promote programs and works that tend to improve the community's quality of life. We currently realize operations with "Financiera de Desarrollo Territorial S.A. – FINDETER"-.

BENEFITS

•  Ample credit terms with grace periods for capital amortization granted by national financial funds.  

•  Access to the credit lines offered by each fund.

•  Counseling for Project development.

•  Ease of access to resources.

 

 

DISCOUNTING ACTS AND INVOICES

A short-term credit operation through which we provide resources to legal entities governed by public law and to our clients' contractors through the endorsement of the acts of executed works or invoices of services rendered.

BENEFITS

•  Liquidity to ensure the continuity in the execution of infrastructure works.

•  Immediate attention and timely delivery of resources.

•  Low interest rates.

•  Payment terms according to due dates of acts and invoices.

•  No penalty for early payment.

 

 

SIGHT DEPOSITS

Deposits whose modality is immediate availability, where the interests generated are liquidated and capitalized daily.

 

 

FIXED DEPOSITS

Deposits realized with pre-determined due dates, as a minimum a thirty (30) days term deposit investment

BENEFITS

•  Rates higher than the financial market average.

•  Negotiating flexibility with respect to investment payment terms.

•  Security and efficient management of deposits.

•  Contributes as a leverage for financing the needs of Antioquia's sub-regional population.

 

 

ADMINISTRATION OF PUBLIC RESOURCES

It is a service by which we collect and manage resources for a specific destination, and we realize the payments in an efficient and timely manner.

BENEFITS

The investment does not lose value thanks to the financial performance that we offer.

•  Daily control of the resource execution thanks to a technological platform which operates on line and in real time, with payments via electronic transfer or bank deposit.

•  Our clients reduce operations when realizing payments, reduce operational costs and speed up the execution of projects.

•  Periodical reports that treat the execution of resources.

•  Permanent backing of an assigned counselor.

•  Agility in entering into a contract for the administration of resources.

•  Backing by an inter-disciplinary team that guides the development of activities.

•  The resources received for administration or management, are deposited in special,

 

 

PROJECT EXECUTION MANAGEMENT

It is a service that we offer for public project executions, whereby we realize the hiring, the administration, the supervision and control of resource investment.

BENEFITS

The investment does not lose value thanks to the financial performance that we offer.

•  Daily control of the resource execution thanks to a technological platform which operates on line and in real time, with payments via electronic transfer or bank deposit.

•  Our clients reduce operations when realizing payments, reduce operational costs and speed up the execution of projects.

•  Periodical reports that treat the execution of resources.

•  Permanent backing of an assigned counselor.

•  Agility in entering into a contract for the administration of resources.

•  Backing by an inter-disciplinary team that guides the development of activities.

•  The resources received for administration or management, are deposited in special, independent and exclusive accounts.

•  The resources are always available to take care of the client´s or project's cash flow.