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Financing to Customers
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Our long-standing experience in developing projects indicates that access to financing is a key factor for the support and success of the Project.

For that purpose we offer our relationship with several commercial banks that have participated in past operations among which are: ABN-AMRO BANK, BANCO SANTANDER, BANKBOSTON, CITYBANK, ITAÚ and BANCO DO BRASIL.

Other attractive sources of financing available are:

BNDES,( Governmental export bank supporting exporters of Brazilian goods with attractive credit lines for most type of products. Such credit can be obtained as follows:
Included in CCR (Credit Reciprocity Agreement) as long as exports are directed to any ALADI (Latin American group of countries) member country including Dominican Republic. In this modality, customers need to have their specific project inscribed in their country's Central Bank.

When CCR does not apply, financing can be obtained in two ways: ''Buyer's Credit'' and ''Supplier's Credit''. In such cases the financing contract requires guaranties acceptable by the banking institutions.

In both cases the financing contracts are covered by a credit insurance policy from SBCE (Seguradora Brasileira de Crédito a Exportação) or other equivalent insurer. Such insurance covers up to 95% of country's risk and up to 90% of the commercial risk, the costs varying according to the rating for the specific country.

BNDES credits are normally within the following conditions:

Amount financed: 100% of total requested.
1,0% to 2,0%
Bank commission:
Credit insurance:
0,75% to 1,5% according to the country's risk rate.
LIBOR (referenced to 60 months for medium and long term financing).
Payment terms:
From 12 to 84 months following norms on type of Project and goods included.
Grace period:
6 to 24 months.
By annual for the interest and principal as well. No grace period for interest payments.
Guaranties required:
Letter of credit with CCR inscription number for ALADI countries and credit insurance for other countries.