Moscow Offices and ATMs
  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: Coverage of cash deficiencies due to insufficient funds on the settlement account

Loan amount: 30% of total credit turnover on the Customer’s settlement accounts opened with the Bank in the past six months

Loan currency: RUB

Interest rate: Individual

Loan term: Up to 3 years

Monthly payment: Withdrawal of interests and principal amounts by the Bank as soon as cash is accumulated on the Customer’s settlement account.
Within the ceiling limits, tranches with a total duration of 30 to 60 days are established (depending on the kind of collateral)

Requirements to collateral:

  • Up to RUB 1,000,000 – the suretyship by beneficiary owners
  • If more than RUB 1,000,000, the following forms of collateral:
    • pledge of the Customer’s fixed assets;
    • pledge of ownership interests in the Authorized Capital;
    • pledge of shares;
    • pledge of buildings and/or structures (mortgage);
    • pledge of inventory holdings, pledge of motor transport;
    • pledge of property rights (rights to receive funds, other property rights);
    • other liquid types of security
    • suretyship by business owners

Commissions for granting loan:

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

Forms of loan product granted: A loan in the form of overdraft with a specified period of continuous loan indebtedness 

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