Forfaiting of receivables under deferred payment letters of credit represents a model of financing of the seller (exporter), where the bank pays, immediately and without recourse, the discounted amount of forfaited receivable under letter of credit to the seller being the letter of credit beneficiary. The beneficiary of the letter of credit concludes a forfait contract with the bank befor the payment. Upon maturity, the issuing bank effects payment under the letter of credit in favour of the bank, thereby settling the forfaited receivable.

Benefits

  1. Improving liquidity
    Convert the receivables from the deffered payment letters of credit, opened in your favour, into cash and thus enhance your liquidity without creating new indebtedness. By selling the receivables to the bank, you can obtain working capital before due dates.
  2. Risk hedging
    By forfaiting of receivables under the letter of credit, the bank takes over:
    -Any political, transfer and commercial risk (risk of payment default)
    -Exchange rate risk
    -Interest rate risk.
  3. Financing without new indebtedness and under more favourable conditions
    The bank forfaits receivables under the letter of credit against the limit of the bank of the buyer which opened the letter of credit and the bank defines the price of the discount according with the credit risk of the respective buyer's bank.
  4. Additional services related to letters of credit and documentary business
    We offer a complete service related to documentary letters of credit in the country and abroad, import (nostro) and export (loro) letters of credit, from opening or advising, completing of documents and amending letter of credit conditions, to payments under letters of credit, and additional possibilities of financing through forfaiting letters of credit.  
  5. Other options for purchase of your receivables
    Improve your cash flow and redirect funds into new business operations. Our services in the area of purchase of receivables also include purchase of receivables on the basis of invoices and other commercial documents - invoice discounting/financing, as well as the discounting bills of exchange.
  6. Providing expert advice
    Years of experience and expertise in standard and complex transactions, our professional and trained staff and numerous awards in the field of trade finance vouch for a high quality of service. Given that possibility for forfaiting of letters of credit depends on the individual terms and conditions of each letter of credit and creditworthiness of the issuing bank, we suggest that you contact us before choosing the issuing bank, as well as during the course of negotiating letter of credit terms and conditions at tradefinance@unicreditgroup.zaba.hr.
  7. International presence of UniCredit Group and a large correspondent banking network
    Zagrebačka banka and UniCredit Group represent a strong partner that can support your international business.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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Company's OIB *

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Postavke kolačića

Tehnički kolačići (neophodni)

Performansni kolačići (neobavezni)

Marketinški kolačići (neobavezni)

Tehnički kolačićiUvijek aktivni

Ovi kolačići su neophodni za funkcioniranje web stranice i ne mogu se isključiti u našem sustavu. Obično se postavljaju samo kao reakcija na vašu radnju koja predstavlja zahtjev za uslugom, kao što je postavljanje vaših postavki privatnosti, prijavljivanje ili popunjavanje obrazaca.

Kolačići koji se koriste:

JSESSIONID - čuva stanje sesija kroz zahtjeve za stranicama

PD_STATEFUL - kolačići sigurnosti sesije Server session security cookies

PD_SESSION-ID - jdinstveni Unique server session security cookie

PWSESSIONID – kolačić sesije poslužitelja

Parent_alive - kolačić sesije poslužitelja

Gtm_tracking - čuva korisnikov pristanak na praćenje

Option_set – čuva vrijednost za pokazivanje cookie bara

Zaba_performance- čuva posjetiteljev pristanak za bolje performance


Performansni kolačići

Ovi kolačići omogućuju nam da računamo posjete i izvore prometa, kako bismo mogli izmjeriti i poboljšati performanse naših stranica. Oni nam pomažu da znamo koje su podstranice najpopularnije ili najmanje posjećene, te kako se posjetitelji ponašaju po web stranici. Sve informacije koje ovi kolačići prikupljaju su agregirani a time i anonimizirani. Ako spriječite te kolačiće, nećemo znati kada ste posjetili našu web stranicu.

Kolačići koji se koriste:

ZABGN - postavke naslovnice ovisno o tome je li korisnik građanin ili pravna osoba

ZABRM - kolačić s vrijednošću korisnikovog web preglednika zbog boljih performansi


Marketinški kolačići

Ovi kolačići služe kao pomoć pri tumačenju internetskih aktivnosti korisnika te u svrhu marketinških aktivnosti, poput oglašavanja i remarketinga.

Kolačići koji se koriste:

1P_JAR - prikuplja statistiku web stranice i prati stopu konverzije Google.com/google.hr

CONSENT - postavke kolačića - google.com

DV - Google ad personalizacija - google.com

NID - Google ad personalizacija - google.com

IDE- Koristi se za prepoznavanje preglednika za oglašavanje i praćenje izvedbe i postavki. Google.com/ DoubleClick

ga - Google Universal Analytics postavlja jedinstveni ID koji se koristi za izračunavanje podataka za analitička izvješća

gid - koristi se za razlikovanje korisnika jednog od drugog.

Anj - Anj kolačić sadrži podatke koji označavaju da li se ID kolačića sinkronizira s našim partnerima. ID sinkronizacija omogućuje našim partnerima korištenje svojih podataka izvan platforme na platformi.

uuid2 - Ovaj kolačić sadrži jedinstvenu, slučajno generiranu vrijednost koja Platformu omogućuje razlikovanje preglednika i uređaja.

Sess - Kolačić sesije sadrži jednu ne-jedinstvenu vrijednost: "1". Platforma se koristi za testiranje je li preglednik konfiguriran za prihvaćanje kolačića iz aplikacije AppNexus.

Icu - Kolačić se koristi za odabir oglasa i ograničavanje broja prikaza određenog oglasa. Sadrži informacije poput broja prikaza oglasa, nedavnog prikazivanja oglasa ili broja prikazanih oglasa

Uid - jedinstveni identifikator

cid - Cookie id (legacy) – jedinstveni identifikator

Facebook - prati konverzije FB oglasa, optimizira oglase, gradi ciljanu publiku i radi remarketing

HotJar - prikuplja informacija o ponašanju korisnika i njihovim uređajima