All your financing solutions together and only one application.
Characteristics of Multi-line financing
- 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.
The guarantee you present with your Multi-line application can be personal guarantee or a mortgage guarantee.
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.
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.
Show/Hide legal text1 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 text2 Remember, non-euro accounts are subject to exchange rate fluctuations.
Show/Hide legal text3 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.