Asigură-te
că ai instalat
deja
aplicația de
mobile
banking
Bine ai venit
×Economisire și investiții
Economisire și investiții
Noutăţi
Aici gasiti stiri si materiale legate de actualitatea noastra : de la comunicate de presa business pana la proiectele din domeniul cultural, din educatie, sport sau tehnologie
Anunţuri de mentenanţă
Aici anuntam toate lucrarile de mentenanta intreprinse in scopul imbunatatirii performantei serviciilor noastre.
Scena 9
este o platforma de jurnalism cultural care face portretul tinerei generatii de creatori
Școala 9
este un proiect editorial dedicat educației preuniversitare creat de DoR și BRD
Mindcraft Stories
Publicație online despre știință & tehnologie, ca să înţelegem lumea în care trăim
Drumul banilor
este un proiect de educație financiară, un ghid de folosire eficientă a banilor noștri
Online trading
Echipa noastră
Alte informaţii
Filialele şi societăţi asociate
Cultura
Investim in cultura pentru ca este nevoie de lideri şi proiecte care să ne reamintească de unde venim, cine suntem şi încotro ne ducem.
Educatie
Ne propunem să investim in profesori, pentru că aceștia sunt cei care pot schimba, in timp, educatia din Romania .
Sport
Iubim sportul pentru ca ne ofera o calatorie pasionanta, cu momente frumoase, momente mai grele, cu eroi care castiga, isi atrag fani sau dimpotriva se lupta cu momente dificile.
Mediu
Dezvoltarea economică nu se mai poate construi fără progres în domeniul mediului sau social. Este misiunea noastră să propunem modele de transformare pozitivă a lumii în care trăim.
Societate civilă
Implicarea in comunitate are ca obiective construirea de mecanisme durabile de interventie astfel incat copii si tinerii aflati in situatii dificile sa poata sa isi dezvolte abilitatile.
Lumea 9
Dezvoltăm și finanțăm proiecte, companii, afaceri pentru lumea de azi și cea de mâine. Pentru o lume curajoasă, care pune în centrul ei grija pentru planetă, dar și pentru oameni.
Contact Investitori
Descoperă
Cunoaşte
Aplică
SMS banking
Serviciu ce îți oferă informații despre conturile bancare direct de pe telefonul mobil
Serviciu ce îți oferă informații despre conturile bancare direct de pe telefonul mobil
Află detalii »Aici gasiti stiri si materiale legate de actualitatea noastra : de la comunicate de presa business pana la proiectele din domeniul cultural, din educatie, sport sau tehnologie
Află detalii »Aici anuntam toate lucrarile de mentenanta intreprinse in scopul imbunatatirii performantei serviciilor noastre.
Află detalii »este o platforma de jurnalism cultural care face portretul tinerei generatii de creatori
Află detalii »este un proiect editorial dedicat educației preuniversitare creat de DoR și BRD
Află detalii »Publicație online despre știință & tehnologie, ca să înţelegem lumea în care trăim
Află detalii »este un proiect de educație financiară, un ghid de folosire eficientă a banilor noștri
Află detalii »Investim in cultura pentru ca este nevoie de lideri şi proiecte care să ne reamintească de unde venim, cine suntem şi încotro ne ducem.
Află detalii »Ne propunem să investim in profesori, pentru că aceștia sunt cei care pot schimba, in timp, educatia din Romania .
Află detalii »Iubim sportul pentru ca ne ofera o calatorie pasionanta, cu momente frumoase, momente mai grele, cu eroi care castiga, isi atrag fani sau dimpotriva se lupta cu momente dificile.
Află detalii »Dezvoltarea economică nu se mai poate construi fără progres în domeniul mediului sau social. Este misiunea noastră să propunem modele de transformare pozitivă a lumii în care trăim.
Află detalii »Implicarea in comunitate are ca obiective construirea de mecanisme durabile de interventie astfel incat copii si tinerii aflati in situatii dificile sa poata sa isi dezvolte abilitatile.
Află detalii »Dezvoltăm și finanțăm proiecte, companii, afaceri pentru lumea de azi și cea de mâine. Pentru o lume curajoasă, care pune în centrul ei grija pentru planetă, dar și pentru oameni.
Află detalii »
or fees
longer payment terms with your external partners
with money transfer, as the foreign payment turns into a domestic payment based on the debt assignment
Preliminary phases:
1. BRD examines the possibility of taking over the risk of non-payment for the importer.
2. The importer negotiates the payment deadline with its foreign supplier and informs the latter about its intentions to carry out the commercial transaction though factoring operations.
3. The Export Factor contacts the Exporter to present the product.
4. The Exporter signs the factoring agreement with the Export Factoring.
5. At the request of the Export Factor, BRD guarantees the non-payment risk cover limit.
Process:
6. The Importer receives the notice on the assignment of the commercial contract by the Exporter to BRD. All the payments related to the assigned invoices will be made only in the account of and to the benefit of BRD.
7. The Importer receives the merchandise or the service corresponding to the invoice issued by the foreign supplier.
8. On the due date, the Importer pays the equivalent value of the invoice in the account and to the benefit of BRD, according to the notice received from the foreign supplier.
9. BRD transfers the collected amounts to the Export Factor.
Who can start the operation?
- The Export Factor – following the Exporter's request, the export factor asks BRD (the Import Factor) to take over the risk of non-payment and/or collect the receivables.
- The Import Factor, BRD – having identified the opportunities of collaboration with the Romanian importing companies, the Import Factor provides the Importer with the import factoring service and, based on the received information, asks the Export Factor to contact the Exporter to present the advantages of this service.
Why import factoring and not a letter of credit/ bank guarantee letter?
Because:
- the importer does not have to bear any costs;
- the importer no longer makes the foreign payment on the due date, but an internal payment, thus reducing the foreign transfer-related costs;
- the risk of non-payment of the foreign supplier is fully taken over.
according to your needs
of your receivables based on specialized IT solutions and periodical reports informing you on the receivables managed through factoring
by granting them longer payment terms.
How does the product work?
- The Adherent delivers the assets or the services and sends the invoices to the debtor.
- The Adherent assigns the invoices to BRD and sends copies of the fiscal invoices to the bank.
- BRD finances the Adherent with some of the value of the invoices, upon request.
- On the due date, the debtor makes the payment to BRD.
- BRD transfers the difference between the amounts received from the debtor and the financed amount to the Adherent. |
- If the debtor does not pay the invoices in time, BRD starts the collection procedure.
What are the conditions?
- The commercial relation must be based on a commercial contract / firm order, signed and stamped, and contain identification data of the partners, payment terms, delivery conditions, etc.
- Agreed payment terms of less than 180 days
- The commercial contract must not forbid the parties to assign the contract
- The commercial relations with shareholding connections and the contracts that stipulate payments conditioned by other receipts cannot be subject to factoring operations.
depending on your needs
of the receivables based on specialized IT solutions and periodic reports
for the internal and external debtors’ default risk
How does domestic and export factoring without recourse provided by BRD work?
- The supplier delivers the goods or supplies the services and sends the invoices to the buyer (debtor).
- The supplier assigns the invoices in favor of BRD.
- BRD funds the supplier for a part of the invoice amount, follows-up the collection of receivables and covers default risks for certain receivables.
- On the due date, the debtor makes the payment in the BRD account and BRD pays the remaining amount (not yet financed) from the invoice to the supplier In case of payment delay.
- BRD starts the collection procedure.
What are the conditions for funding this product?
- The commercial relationship must be carried out pursuant to a commercial contract/final order signed and stamped, which must include the identification data of the partners, payment deadlines, delivery conditions, etc.
- Payment deadlines agreed less than 180 days
- The commercial contract does not have to ban the parties’ right of assigning the contract
- Commercial relationships with shareholding links and agreements requiring payments depending on other money collections cannot be subject to factoring operations.
How much does it cost?
To set the costs of the operation, information is required regarding the commercial declarations for which factoring operations are requested.
The cost of the operation is influenced by the number of commercial relations, the number of invoices, the quality of the proposed debtors, the turnover to be carried out by factoring and, last but not least, the type of operation.
For every type of tranzation, the Factoring Division can send you a personalized offer of costs.
For a customized offer, contact the Factoring Division at the email address: comercial.factoring@brd.ro, or the client consultant.
improve the cash-flow by collecting the debt claim before it falls due
of the debt claim amount
on the client
How does the product work?
If you are the beneficiary of an irrevocable letter of credit in foreign currency payable by the due date or of a promissory note guaranteed by a bank agreed by BRD, we provide you with 100% of the amount of the debt claim (minus the costs related to the forfeiting operation).
What are the conditions?
The bank issuing the letter of credit or the bank guaranteeing the script note is agreed by BRD. In these conditions, the operation is called forfeiting and ii is without regress. Otherwise, it is called discounting and it is a regress operation.
Can this letter of credit be forfeited?
Yes, if it is an irrevocable letter of credit payable on the due date in foreign currency, and the issuing bank has been agreed by BRD.
When do I get my funding?
After the documents submitted as part of the letter of credit have been checked by the issuing bank and confirmed on the due date.
What costs does it involve?
For a customized offer, contact the Factoring Division at the email address: comercial.factoring@brd.ro, or the client consultant.
For every type of tranzation, the Factoring Division can send you a personalized offer of costs.
Grup BRD
© 2023 BRD. Acest site este proprietatea BRD - Groupe Societe Generale. Toate drepturile rezervate.
© 2023 BRD. Acest site este proprietatea BRD - Groupe Societe Generale. Toate drepturile rezervate. Termenii și condițiile Hartă site
Dorim sa iti reamintim ca BRD – GSG nu a solicitat si nu va va solicita niciodata datele de autentificare (cod utilizator, parola sau parola token) sau datele confidentiale aferente cardului tau (numar card, data expirarii, cod de securitate sau PIN), nici telefonic si nici pe e-mail sau SMS.
Aceste date confidentiale se vor folosi doar in momentul autentificarii in aplicatia de internet banking sau in momentul efectuarii unei plati cu cardul bancar.
In acelasi timp, daca observi un aspect diferit de cel obisnuit al aplicatiei MyBRD Net sau un comportament pe care nu l-ai mai intalnit (ex. Un mesaj de notificare ca pagina este indisponibila si esti invitat sa te reautentifici sau sa iti resincronizezi dispozitivul token), opreste imediat procesul de autentificare si te rugam sa ne contactezi de urgenta prin MyBRD Contact la tel: 021 302 6161.
Intotdeauna alaturi de tine,
Banca ta. Echipa ta