Banque du bâtiment et des travaux publics - BTP banque

Banque du Bâtiment et des Travaux Publics (BTP Banque) is a French banking brand focused on companies in construction and public works, operating within Crédit Coopératif, itself a member of Groupe BPCE and subject to supervision by the ACPR and the ECB. Its offer targets artisans, SMEs, mid‑caps, subcontractors and developers, providing professional accounts, SEPA payments, cards and cash‑management tools, along with short‑term financing tied to progress billing and VAT, overdrafts and revolving lines, medium‑term loans, equipment finance (leasing and hire purchase) and property‑related loans for business premises; receivables finance and factoring are available through group entities. In support of public procurement and private construction contracts, it arranges surety and guarantees commonly used in the sector—such as bid, advance‑payment, performance, retention and completion guarantees—subject to credit approval and counter‑guarantees; financial completion guarantees for property development can be provided under dedicated lines. Distribution relies on a compact network of business centers in major regions and remote channels, with online business banking and connectivity options (including EBICS) for treasury integration. Pricing is individualized based on risk, tenor, collateral and contract profiles; guarantee commissions are typically charged as a percentage of the guaranteed amount, and account, payment and financing fees follow professional tariffs published by the bank or provided on request. Credit policy places emphasis on the specifics of construction cash cycles (progress payments, retentions, supplier terms) and on the quality of order books, project controls and covenant compliance; underwriting may tighten in cyclical downturns, and many specialized services are delivered via other BPCE entities, which can affect documentation and onboarding paths. The proposition is most relevant for firms that require recurring contract guarantees and working‑capital solutions aligned with construction projects, while it is not positioned as a broad retail offer and international coverage may depend on group partners. Customer deposits are covered by the French deposit guarantee scheme (FGDR) up to the statutory limits per depositor and per institution; eligibility, conditions and pricing depend on the client’s situation and are subject to change.