Multi-line Financing

All your financing solutions together and only one application.

Multi-line financing offers you a global risk limit, broken down into partial limits, so you can immediately access most financing products.

Characteristics of Multi-line financing

No signatures or extra notarial expenses.

Once you have set up your Multi-line, you can subscribe to the products instantly and without going through a notary.
Flexible

You can change the composition of the limit granted at any time and use the funds you haven't already drawn down for any product you want.
No waiting.

You'll save time and paperwork: you can apply for the various Multi-line products through the website.
More peace of mind.

Plan your annual business activity in the knowledge that you'll have the financing you need.
You choose the guarantee.

With Multi-line you can offer either a personal guarantee or a mortgage guarantee.
Financing for every need.

The products available through Multi-line are designed to meet the most common financing needs.

MULTI-LINE SOLUTIONS

Financing products

Financial: credits, loans, account management, Confirminet, ⁽¹⁾ import/export financing, multi-currency credits,⁽²⁾ leasing, reverse factoring and tax payment loan.
Commercial: SEPA debits, invoice/discount advances and factoring.
Guarantees: technical, financial and documentary letters of credit.
Payment methods: physical POS, virtual POS, PC, etc.
Currency futures.⁽³⁾

See Multi-line terms and conditions Multi-line terms and conditions

Each product available through Multi-line has its own terms and conditions and is negotiated individually.

Guarantees

The guarantee you present with your Multi-line application can be personal guarantee or a mortgage guarantee.

Terms

In the case of mortgage guarantee, a maximum term will be set.

In the case of non-mortgage guarantees, an annual renewable term will be set for the same period. Leasing products and loans are the only products that can have a longer term than your Multi-line.

Confirmation

When you set up a Multi-line, you'll sign a credit policy covering all the products included in your Multi-line. This policy will have to be signed before a notary, but it's the only occasion you'll need to do that.

When you want to use any of the products in your Multi-line, you'll have to sign the particular conditions attached to it but you won't need to go through a notary.

See FAQs FAQs

What do I have to do if I want to use a product from my Multi-line?

You can apply through our website and then just send us back the signed particular conditions of the product. And that's it. There's no need to go through a notary.

Can I change the available limit for each chosen product?

Yes, you can change the limits for your products as long as they belong to the same risk group.

Can I change the products I've chosen for my Multi-line?

Yes, you can change the products you've chosen by contacting your branch to sign the necessary documents. There's no need to go through a notary.

What costs will I save with Multi-line?

The notary costs, which can be quite considerable during the life of a company. And, very importantly, you save.

USEFUL INFORMATION

Show/Hide legal text
¹ It's a service offered by the Bank whereby the company, SME or individual doesn't need to be a Bankinter customer to be able to check and anticipate all the invoices sent by their customers through the Bankinter Corporate website.
Show/Hide legal text
² Remember, non-euro accounts are subject to exchange rate fluctuations.
Show/Hide legal text
³ The pre-contractual information for PRIIPs investment products and the key information documents are available on our website https://www.bankinter.com/banca/nav/documentos-datos-fundamentales.

Got a question?

The Bankinter Corporate help centre has the answer.

Contact with us