Small Business
When starting your own business you will need a bank that is committed to your success. Banco di Caribe is such a bank. We offer various financial and non-financial services in one package: the Small Business Package.

Small Business package
This attractive loan package has the following incentives:

-	Financing of up to 150.000,00 in Ang or Awg for the startup of a Sole proprietorship (EZ) or an incorporated business (NV)
-	A grace period for the repayment of either interest and capital or capital only for a period up to 4 months
-	The Relevant business insurance may be consolidated into the loan amount or financed separately
-	9% annual interest for the first year increasing to 11% during the next 3 years
-	Special attention dedicated to your business' areas of management, financing and marketing, upon your request and by our experienced staff
-	50% discount on the yearly fee of your Banco di Caribe Credit Card, one time
-	Guidance by our insurance and investment experts on matters relating to investments and pensions
-	A personal contact, such as a credit manager, within the bank to coordinate all of the above

Your new current account
To open a current account is easy. Following the “Know Your Customer” principle, a new account applicant has to apply in person. Just drop in at one of our offices and bring along the following documents: chamber of commerce registration, a valid i.d., and information regarding any other bank relationship you might have, and we will process your application promptly.
Your new current account gives you the needed flexibility to make local and foreign transfers, utility payments, and cheque payments. Daily or monthly itemized statements are mailed to you, or may be deposited into your statement box at the bank. Cash deposits on your current accounts can also be made via our SuperKaha's.

General bank services
The bank provides a wide spectrum of financial and non-financial services.
Safe deposit boxes for the safe keeping of your valuable items, Bankers' drafts (cheques) and SWIFT international money transfers for the payments of your new merchandise, and foreign currency exchange, traveler's cheques and credit cards for when travelling is required of you.

Credit facilities
When starting your own business a helping hand is always welcome. Experienced credit officers are ready to assist you in the process of applying for a loan for new startup business, provided that the applicant complies with the loan requirements, such as own capital a well documented plan, and adequate collateral. We can offer you the following credit facilities: overdfraft facilities, advances, mortgages, business loans, letters of credit, standby LC, and bills for collection.

Insurance
A savvy businessman would consider insuring all his assets, such as stock and inventory, as well as the continuity of his business with a business interruption insurance.
In case you're also responsible for the building out of which you operate your business, the various types of fire insurance coverage should be considered.
If travelling is often done, some form of travel insurance and accident insurance might be valuable in case of emergencies or accidents.
Often overlooked but very important to have is a good life insurance and an adequate pension plan.
Specific business insurance: business interruption, property damage for the building, stock and inventory, product liability, and public liability.

Investments
If good business tactics prevail with time you might have excess cash on hand. Our savings account pays you a 3.0 % interest p.a. on your account. If you want an even higher return for your money, your interests will be better served with our Time Deposits. Our interests are very competitive and are for a period of six months 2.75 % and run up to 5 years at 4.75 % interest paid out quarterly. For other types of investments, our Investment department provides: portfolio management, equities, bonds, and currency trading.