Rizal Commercial Banking Corporation

SECURED LINE

To meet the various financing needs of your company or business, we can provide you a revolving credit line through short-term Promissory Notes (payable in 90 or 360 days) which can be secured by real estate mortgage, chattel mortgage, standby LCs, pledge on acceptable shares of stock, assignment of bank deposit, money market placements, government bonds or marketable securities or guarantees issued by the Philippine Government or BSP, Agrarian Reform or Land Bank Bonds.

BILLS PURCHASED LINE

Through this facility, RCBC will credit to your company's account the proceeds of any uncleared local, out of town or foreign checks and drafts, giving you instant liquidity!

SECOND ENDORSED LINE

RCBC can provide a special arrangement for you wherein local, out of town or foreign checks issued in another payee's name but endorsed to your company can be accepted for deposit to your account.

ACCOUNTS RECEIVABLE PURCHASED

Through this facility, your company may avail of a loan secured by post-dated checks and/or other instruments that evidence a receipt of funds at a future date.

TERM LOAN

Aside from credit lines, your company may also avail of long term commercial loans to meet your various financing needs. RCBC offers more funding services through our subsidiary, RCBC Capital Corp.

TRADE FINANCE

Your company may avail of the following trade-related financing services from RCBC:

Export Advance Loan
A revolving credit line exclusively available for pre-export financing by way of short-term Promissory Notes (PNs) against assignment of export LCs. The Promissory Notes are paid from the proceeds of the export bills.
Margin Loan Line
A revolving credit line available through 90-day demand Promissory Notes exclusively used to finance margin deposit requirements of LCs opened with the Bank.
Domestic Letters of Credit / Trust Receipts
A revolving credit line to open sight or usance domestic letters of credit with Trust Receipt privileges.
Money Market Line
A revolving credit line available by way of short-term (maximum term of 180 days) commercial papers, registered with the Securities and Exchange Commission (SEC), issued by borrower.
Import LC Line
A revolving credit line to open sight or usance LC without Trust Receipt privileges.
Trust Receipt Line
A revolving credit line to open sight or usance LCs whereby the goods are delivered on Trust Receipt upon arrival.
Export Bills Purchase
A transaction wherein the exporter receives payment from the negotiating bank either through his peso or dollar account with clean documents presented or with discrepancies (subject to approval).
Forward Contract Line
A revolving credit line extended to clients who intend to hedge foreign exchange fluctuations by entering into a forward contract – an agreement to purchase or sell a certain currency on a future date at an agreed exchange amount.
Settlement Line for Spot Transactions
A settlement line granted to clients to account for the time differential from country to country when settling transactions.

SPECIAL LENDING/PROJECT FINANCE

DBP Wholesale Lending Facilities

Credit facilities available for relending to eligible companies engaged in, among others, manufacturing, plant construction/modernization, domestic shipping, IT, waste treatment/disposal.

Land Bank Wholesale Lending Facilities

LBP provides funds to sub-projects in the rural areas particularly those of small and medium enterprises (SMEs) that will create socio-economic impact in the countryside or areas outside the National Capital Region.

SSS Wholesale Lending Facilities

Lending program of the SSS available through its accredited participating financial institutions (PFIs). Drawdowns on the fund will be made by a PFI on a project-to-project basis upon submission of required documents and upon review/ approval by SSS.

BSP Rediscounting Facility

A standing credit facility provided by the Bangko Sentral ng Pilipinas (BSP) to help banks meet temporary liquidity needs by refinancing the loans extended by the banks to their clients.

Credit Guarantee Facilities

Recognizing the significant role of SMEs and exporters in the development of the economy, RCBC participates in credit guarantee programs of government agencies such as the Small Business Guarantee and Finance Corporation (SGBFC) and Trade and Investment Development Corporation of the Philippines (formerly Philguarantee).