Working Capital Loans
Working Capital Loans help customers to meet temporary working capital requirements. Repayment relies on the customer’s overall cash flow. Loan terms are normally within 1 year, and up to 3 years. Loan drawdown currency can be AUD, USD or other currencies
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Revolving Loans
Revolving loans are special types of working capital loans, which provide the customer with more convenient utilization of funds. Revolving loans allows the customer to use multiple drawdowns, and provides customers the ability to partially or fully prepay the loan on an interest rollover date with or without any penalty charge. Within the validity period, customers can redraw any amount within the loan facility limit. Interest margins and fees for revolving loans are normally higher than for the basic working capital loans.
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Overseas Financing Against Domestic Support
Overseas Financing Against Domestic Support (OFADS) means to fulfill the authentic, reasonable and legitimate financing requirements of the banks’ customers, the domestic banks acts as the guarantor issuing a financing letter of Guarantee (L/G, including SBLC) in favour of overseas institutions as the beneficiary, the overseas institutions offer financing facilities (including loans, trade finance, financing leasing etc.) to its customers (i.e. the guaranteed or borrower) accordingly.
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Project Finance
Project finance is for corporate customers to finance the development, acquisition or expansion of a particular project. Loan repayment relies on the certain cash flows generated by the project. Loan terms are between 3 to 5 years. Normally the project’s assets are subject to a first ranking charge which must be registered under ICBCS’s name to provide security for the loan.
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Property Mortgage Loans
Property mortgage loans are available for customers to finance the purchase or the refinancing of existing residential or commercial property. Loan terms are normally between 3 to 5 years.
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Property Development Loans
Property development loans are available for customers to construct or upgrade or purchase residential or commercial property. Loan terms are normally between 3 to 5 years. Loan repayment relies on the cash flows generated by the project, and the project’s assets are subject to a first ranking charge which must be registered under ICBCS’s name to provide security for the loan facility.

Overdraft
This facility is to facilitate customers to provide overdraft facilities through an existing customer account provided these are within the overall customer limit set by ICBCS.

Syndicated Loans
ICBCS participates in both in primary and secondary syndication markets both local and overseas. For further information, please call +61 2 9475 5588.

*All information contained in this page is intended for reference only. Please check with your local ICBC branch for any detailed product information. ICBC reserves all rights for the content in this website.