When your company provides services or delivers goods, it sometimes offers deferred payment to its customers.

To guarantee payment on the due date, you may require the delivery of a document called a "commercial paper".
The discount is a cash advance granted by Société Générale Togo in exchange for the sale of a commercial paper held on one of your customers.

Discounting can be done on an ad hoc basis or on a more permanent basis (discount line).
• A cash advance that allows your company to optimize its activity, transform its term trade receivables into cash and finance its working capital requirements
• Simplicity: the simplest and most direct way to finance the payment terms granted to your customers.
• The discount is granted only after a study that aims to avoid penalizing your customer with a too high advance or with a risk of unpaid return of the advanced item.
• More advantageous financial conditions than an overdraft.

The Customs Bond offers financial protection guaranteeing you, if you are a beneficiary, the payment of duties and taxes that will be required on goods crossing borders. A bank guarantee is an operation by which the bank undertakes to replace your company in the event of its failure and thus guarantees the fulfilment of an obligation to pay.

• Increase your cash flow
• Simplify the passage of its goods and merchandise through customs before the determination and payment of duties and taxes

• Conventional forward exchange

Do you know exactly your payment dates? It will be a question for you of fixing as of today the rate of purchase or sale of the currencies which will be applied to you at a future deadline fixed in advance.

• Flexible forward exchange

You can determine the purchase or sale price of a currency today, within a given period and a given amount, by exercising partial or total early exercises at the previously defined rate.
If you do not know your payment dates precisely and wish to protect yourself from the exchange risk associated with any forward purchase or sale of currencies, flexible forward exchange is the appropriate solution.


• Security: perfect protection against currency fluctuations,
• Flexibility: total freedom in your operations during the contractual period,
• Simplicity: a single contract can cover a business flow,
• Clarity: a single price guaranteed for all uses,
• Accessibility: no minimum subscription or use amount.