Banco Nacional de Crédito, C.A., Banco Universal provides various commercial banking products and services for individuals and companies in Venezuela. It offers checking accounts, savings deposits, demand deposits and certificates, and time deposits. The company also provides loans for agricultural, small businesses, mortgage, manufacturing and tourism, as well as factoring and discounting, microcredit, leasing, and credit and debit card services. In addition, it invests in securities. It has agencies and external counters; a branch in Curacao; a main office; ATMS; and point of sale platforms. The company was formerly known as Banco Tequendama, C.A. and changed its name to Banco Nacional de Crédito, C.A. Banco Universal in December 2004. Banco Nacional de Crédito, C.A., Banco Universal was founded in 2003 and is headquartered in Caracas, Venezuela.