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Accounts Frequently asked questions about the Digital Treasury Loan
Characteristics
It’s a 100% digital, short-term financing solution for companies, offering up to €15,000 with instant approval and funding. The maximum repayment term is 120 days.
The purpose is to address specific treasury needs (such as salary payments, operational expenses, supplier payments, among others), which is why it is a short-term financing solution.
Between €1,000 and €15,000.
You have up to 120 days to repay it, with a single installment due at the end of the term you choose.
No, this product does not require a promissory note. The digital contract is the only mutual guarantee needed.
No.
It means that the payment of both the interest and the principal amount is made in a single tranche at the end of the term.
The rate is fixed throughout the duration of the contract.
It’s a percentage of the amount you apply for. Until May 6, 2025, the fee is 0%. If the campaign is not renewed, it will be 0.5%.
Conditions
Yes, you can make an early payment without penalties.
Yes, having other loans with Millennium does not prevent you from applying for the Digital Treasury Loan.
Companies, entrepreneurs, and similar entities, as long as they conduct business activities.
To apply via the Corporate Website, you must log in with a certificate, be the company's Legal Organic Representative, and be an Authorizer on the Millennium bcp Corporate website.
To apply via iziBizi, you must be an iziBizi customer, the company's Legal Organic Representative, and an Authorizer on the Millennium bcp Corporate website.
No, the funding is only available for Millennium bcp current accounts.
Yes, up to a maximum of two active loans per company, with a combined limit of €15,000.
No.
No, renewals are not available for this loan.
Process
Yes, as soon as the amount is available in the account, we will send an SMS to all individuals who signed the contract.
After the loan application is completed, we will send the contract, the signature collection report, and the calculation document by email to all individuals who signed the contract.
If you access the product via the Corporate Website, you will need to upload the SAF-T file or the most recent trial balance with accounting information, if you have not done so in the last three months.
If you access the product via iziBizi, you must authorize the sharing of your accounting data through the SAF-T file, if you have not done so in the last three months.
As soon as you complete the application, the money will be deposited into your current account within minutes.
You can request support from the specialized helpline at any time by calling 21 004 24 24 or at specific moments during the application via the "Questions? We’ll help" option for an instant callback or to schedule a call.
On corp.millenniumbcp.pt under Loans – Digital Treasury Loan.
On www.izibizi.pt under Banks – Financing – Treasury Support.
Yes, you can download a document with all the details during the calculation and submission process.
This may be because you are registered as an Operator on the Millennium bcp Corporate website and/or you are not the Legal Organic Representative of the company.
The SAF-T is a standardized XML file designed to facilitate the export of a predefined set of a company's accounting records. All certified invoicing software, including iziBizi, is equipped to export the SAF-T XML file.
Access to the SAF-T file is mandatory only for Corporate customers, as Sole Proprietors are not required to have organized accounting. This ensures Millennium bcp can update the customer's accounting information internally. The access request is only required once every three months.
The loan application is subject to an instant review and may or may not be approved.
When accessing the Digital Treasury Loan, you will find an option to recover your application process.
When accessing the “Digital Treasury Loan”, you will find an option to recover your application process.
