Working Capital Loan

  1. Fill in application
    and send it to the Bank

  2. Provide a set of documents to obtain the Bank’s final decision

  3. Conclude a loan agreement with the Bank

  4. Receive loan facilities

Loan Purpose: Working capital financing

Loan amount: Up to RUB 100,000,000

Loan currency: RUB

Interest rate: Individual

Loan term: Up to 1 year

Monthly payment:

  • principal repayment by equal monthly instalments;
  • grace period for the principal amount is provided for not more than 6 months for loans with the loan term of up to 12, and not more than 12 months in the event of loan term of more than 12 months

Requirements to collateral – forms of loan security:

  • primary collateral – immovable property (pledge value of at least 50% of the loan amount)
  • additional collateral – pledge of the equipment, motor transport, special-purpose machinery (maximum 30% of the total pledge value), stock-in-trade (maximum 20% of the total pledge value)
  • security deposit by legal entities (including the security from third parties)
  • suretyship by a guarantee fund  

Commissions for granting loan:

  • up to 1% for granting loan;
  • 1.5% for unspent lending ceiling

Forms of loan product granted: single-payment loan, non-revolving credit line 

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