Customized credit, for you.
Producer and/or Artisan food trader
Investments
Legal entities or individual entrepreneurs aged 21 to 60 years old - Ivorian nationality or resident for at least 3 years - 6 months of presence in the same location - 2 years of seniority in the activity, with proven profitability over the last 12 months.
Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.
Mandatory: Pledge of the financed equipment; Optional: mortgage guarantee (all types of real estate assets), assignment of debts.
Mandatory: personal guarantee
Optional (DAT)
NA
100,000
20,000,000
24 Months
Minimum personal contribution 10%
Monthly or In fine
Collection at the counter by customer or direct payment to the supplier (transfer or check)
Minimum 1.5% per month
On the remaining capital
3.00%
600.00
1,5% mensuel
1%
Commerçant Artisan
BFR
Legal entities or individual entrepreneurs aged 21 to 60 years old - Ivorian nationality or resident for at least 3 years - 6 months of presence in the same location - 2 years of seniority in the activity, with proven profitability over the last 12 months.
Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.
Optionnelle : garantie hypothécaire (tout type d'actifs immobiliers)
No
Optional (DAT)
20% du montant sollicité
100,000
10,000,000
10 Jours
Versement journalier des recettes
In fine
Retrait au guichet par client ou paiement direct au fournisseur (virement)
Jusqu’à 5 jours = 0,5% sur la durée du crédit De 6 à 10 jours = 0,7% Prime de risque = 1% à chaque
déblocage
Flat
1.50%
600.00
Taux d'intérêt du crédit par jour de retard
S/O
info@adec-ci.com
+225 27 22 50 33 26
+225 27 22 50 31 66
FANGUE building, 8th tranche
Commerçant : distributeur de monnaie électronique
BFR
Personnes morales ou entrepreneurs individuels âgés de 21 à 60 ans - Nationalité Ivoirienne ou
résident depuis au moins 3 ans.
Collecte des documents requis et vérification AML selon la réglementation en vigueur; Adec pourra
définir des exclusions spécifiques par secteur d’activité, si des facteurs économiques sont considérés
comme trop risqués..
No
No
10% of the amount requested
NA
100,000
2,000,000
72 Heurs
N/A
72h revolving
Disbursement to the customer's current account
0,3% par jour Prime de risque 0,5% par mois
Flat
0,5% par mois
N/A
1.5% per month late after due date
S/O
Trader (all sectors of activity) Artisan
BFR
Legal entities or individual entrepreneurs aged 25 to 60 years - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location - 5 years of seniority in the activity, with proven profitability over the last 2 years.
Collection of required documents and AML verification according to current regulations; Adec may
define specific exclusions by sector of activity, if economic factors are considered
too risky.
Mandatory: Pledge of stock of goods, materials, equipment, assignment of
receivables. Optional: pledge of business assets; mortgage guarantee (all types of assets).
Mandatory: personal guarantee
Optional (DAT)
10% of the amount requested
500,000
20,000,000
12 months
Renewable annually
Monthly (interest) In fine (capital)
Disbursement to the customer's current account.
Minimum 1.5% per month
On the balance.
3.00%
600.00
1.5% per month late after due date
1%
info@adec-ci.com
+225 27 22 50 33 26
+225 27 22 50 31 66
FANGUE building, 8th tranche
Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua.
Trader (all sectors of activity) Artisan
Advance on an invoice executed and accepted by the ordering party
Legal entities or individual entrepreneurs aged 25 to 60 - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location - 5 years of seniority in the activity, with proven profitability over the last 2 years.
Collection of required documents and AML verification according to current regulations; Adec may
define specific exclusions by sector of activity, if economic factors are considered
too risky.
Obligatoire : cession de créances, domiciliation irrévocable du paiement dans les livres d'ADEC
Optionnelle : nantissement du fonds de commerce, garantie hypothécaire (tout type d'actifs),
nantissement du stock de marchandises, du matériel, des équipements.
N/A
No
No
500,000
25,000,000
4 Mois
Maximum 80% du montant de la facture
In fine
Disbursement to the customer's current account
1.5% per month
Flat
3.00%
600.00
1.5% per month late after due date
1%
Micro-entrepreneurs, VSEs, SMEs, entrepreneurs, private sector employees.
Financing back-to-school expenses (tuition fees, school supplies, transport, outfits, canteen, student accommodation)
Natural persons aged 25 to 60 - Ivorian nationality or resident for at least 3 years) - 12 months of presence in the same location or - 2 years of seniority in the activity, with proven profitability over the last 12 months or - private sector employee with minimum seniority of 12 months
Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.
Optional: assignment of receivables, pledge of stock.
N/A
Mandatory: domiciliation of salary for employees Optional: DAT
50.000 Fcfa
500,000
2,000,000
9 months
N/A
Monthly
Collection at the counter by customer and/or LDF vouchers and/or direct payment to suppliers
1% per month
On the remaining capital
2%
600.00
1.5% per month late after due date.
1% of the amount
info@adec-ci.com
+225 27 22 50 33 26
+225 27 22 50 31 66
FANGUE building, 8th tranche
Producteur individuel membre d'une coopérative cliente d'ADEC ou membre d'une entreprise en partenariat avec ADEC
Financement des frais de scolarité (frais d'inscription, de scolarité, fournitures et logement)
- personnes physiques âgées de 25 à 60 ans - Nationalité Ivoirienne ou résident depuis au moins 3 ans -Producteur en règle vis-à-vis de la coopérative.
Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.
Non.
Caution de la coopérative
No
No
20,000
250,000
03 Mois
Remboursement à ADEC par les coopératives via YU
Mensuelle sur la grande campagne : d'octobre à décembre.
Dépôt sur compte YUP des coopératives
1,25% par mois Prime de risque 2% à chaque déblocage (crédits groupés)
On the remaining capital
2.00%
600.00
1.5% per month late after due date.
1% du montant si crédit individuel (N/A crédits groupés)
Entrepreneur (all sectors) Private sector employee
Financement de projet personnel (aménagement, travaux etc.) ou acquisition de biens de
consommation.
Individuals aged 25 to 60 - Ivorian nationality or resident for at least 3 years - 12 months of presence in the same location or - 2 years of seniority in the activity, with proven profitability over the last 12 months or - employee from the private sector with minimum seniority of 12 months.
Collection of required documents and AML verification according to current regulations; Adec may define specific exclusions by sector of activity, if economic factors are considered too risky.
Optional: mortgage guarantee (all types of assets), pledge of materials and equipment.
N/A
Mandatory: domiciliation of salary for employees Optional: Blocked savings or DAT
No
100,000
20,000,000
12 months
N/A
Monthly
Disbursement to the customer's current account.
1,25% par mois
On the remaining capital
3.00%
600.00
1.5% per month late after due date
1%
info@adec-ci.com
+225 05 869 880 94
+225 27 22 53 76 76
FANGUE building, 8th tranche