Finance

In its relations with customers, BIA aims to be a ‘global partner’ able to offer them a complete solution. This also involves providing financial support for their projects.

That is why the BIA finance department aims to offer its customers the most appropriate and relevant financing solutions to allow them to develop their business under the best possible conditions.Whether customers are looking for a solution in terms of equipment, parts, or a way to finance the maintenance of their assets, BIA will always be there, from the initial stages of the project until its completion.The BIA finance department works with a large network of financial institutions to structure the funding requirements of its customers. This allows customers to benefit from suitable financing solutions such as a classic line of credit, trade finance, export financing, and leasing.Our team of financial experts specialising in the civil engineering sector holds confidential discussions with customers, to analyse and improve their business plan, their financing capacity, and the financial development of their project. The aim of this process is to make the customer’s business as efficient as possible.Four types of service are offered by BIA:

1. Investment credit

On BIA’s initiative, local and offshore banks help customers with their equipment purchases and operational expenditure related to parts and maintenance (classic loans, equipment financing, dedicated investments).
BIA helps customers hook up with the best financial organisations and put together their loan application, for a successful outcome.

2. Trade finance

Because BIA works with a large number of well-known banks and export credit agencies (ECA), customers can receive advice concerning their acquisition of financial products (efficient structuring of deferred payments and longer-term due dates).
BIA maintains strong relationships with European and Pan-African banking networks, which are able to assist customers from the start of their operations. BIA works mainly with LCs, SBLCs, and Avalised and Accepted Drafts.

3. Export financing — purchaser credit

For all matters relating to long-term projects, the BIA financing department gathers the best institutional and banking agents to structure its customers’ export financing loans, and mainly purchaser credits. This type of structure naturally takes longer to create and finalise, but it provides access to long-term offshore financing.

4. Leasing

From CAPEX to OPEX, credit is a very common financing method in Europe, and is growing in Africa.
The BIA financing department works closely with its customers to introduce them to high-performance credit agencies able to support their activities via financial and operational loans to suit their needs.
BIA works with customers to find the ideal financing solution with regard to term, residual value, price, and service.