Earns interest and fees by extending non-bank credit - business loans and credit lines, real estate development and construction finance, discounting of deferred checks, and closed financing for infrastructure contractors.
Geographic Exposure
Israel100%
Revenue Drivers
Small and medium business lending
Loans and credit lines for working capital, expansion, investment and cash-flow timing gaps
CORE39%
Real estate development and construction finance
Credit for land purchase, building and equity release, including closed financial accompaniment
CORE30%
Endorsed deferred check discounting
Short-duration discounting of checks endorsed by financial service intermediaries
SIGNIFICANT24%
Infrastructure project finance
Closed financial accompaniment for contractors executing public infrastructure works
PERIPHERAL7%
End Markets
Small and medium businesses
Real estate developers
Infrastructure contractors working for state companies
Financial service providers
Construction, trade, logistics and industrial companies
Specializations
Closed financial accompaniment structuresBridge credit until bank accompaniment or other external financingCombined financing packages with insurer-issued apartment buyer guaranteesTangible collateral taking over property, vehicles, heavy mechanical equipment and sharesRecourse against both drawer and client on discounted checksOne-stop financing envelope spanning several credit channels+1 more
Activities
Credit underwriting
Loan and credit line origination
Check discounting and verification of consideration
