preferential loans from the "SME Bank"

View Support

·         • Restructuring / repayment obligations for SMEs previously received loan
• Lending to SMEs to fulfill their obligation to reimburse the amounts paid by the bank on the previously open on behalf of the letters of credit to SMEs
• Additional funding for the project to SMEs associated with the implementation of projects already under way

Issuance Form

Credit line
with a limit of issue

The loan / credit line
with a limit of issue

time

fr om 2 to 7 years
Funds are available for 90 days fr om the date of the loan agreement; Loans to SMEs must be given within 30 days fr om the date of receipt of funds fr om JSC "SME Bank"

1 to 7 years

sum

-

no more than 150 million rubles

Rate

9.0% APR *

8.5% per annum in the case of simultaneous use of warranty support tool implemented JSC "SME Bank" for small and medium enterprises under the National Guarantee System 

no more lending rates partner increased:
• 4.9 percentage points, if the loan amount is less than 50 million rubles.
• 4 percentage points, if the loan amount is more than 50 million rubles, the term -. To 3 years
• 4.9 percentage points, if the loan amount is more than 50 million rubles, the term -. 3 years

Security

·         • Pledge of rights (claims) on loans granted to SMEs by means of "SME Bank"
• Agreement on the assignment of rights under the loan ***

·         • liquidity of movable and immovable property
• bank guarantees and sureties of third parties
• At least 75% of the principal amount

Issuance Form

Credit line
with a lim it of issue

The loan / credit line
with a lim it of issue

time

·                     3 to 7 years
The funds are provided:
• Within 90 days from the date of conclusion of the agreement in case the amount of the loan to SMEs is less than or equal to 60 mln. Rub.
• within 365 days from the date of conclusion of the agreement in case the amount of the loan to SMEs over 60 mln. Rub.
Regardless of the amount of credit provided to SMEs, bank partner, must conclude contracts with all credit to SMEs, the financing of which is assumed under the Treaty, in a period not exceeding 120 days from the date of its conclusion, and provide loans under these agreements:
• in full (for loans in the amount of up to 60 mln. Rub.);
• partially or in full (for loans in the amount of more than 60 mln. Rub.).

3 to 7 years

Rate*

9.0% per annum

6.4% per annum in the case of simultaneous use of the instrument warranty support, implemented by JSC "SME Bank", for medium-sized businesses

8.5% per annum in the case of simultaneous use of warranty support tool implemented JSC "SME Bank" for small and medium enterprises under the National Guarantee System

no more lending rates partner increased:
• 5 percentage points, if the loan amount is less than 50 million rubles.
• 4 percentage points, if the loan amount is more than 50 million rubles, the term -. To 3 years
• 5 percentage points, if the loan amount is more than 50 million rubles, the term -. 3 years

Security

 Pledge of rights (claims) on loans granted to SMEs by means of "SME Bank"
Agreement on the terms of the assignment loan rights (is based on the internal rating of the Partner)

liquidity of movable and immovable property
• bank guarantees and sureties of third parties
• At least 75% of the principal amount

Issuance Form

Credit line
with a lim it of issue

The loan / credit line
with a lim it of issue

time

from 1 to 5 years
Funds are available for 90 days from the date of conclusion of the agreement. Loans to SMEs should be issued within 30 days from the date of receipt of funds from the SME Bank.

from 1 to 5 years

Rate

9.3% APR *

8.8% per annum in the case of simultaneous use of warranty support tool implemented JSC "SME Bank" for small and medium enterprises under the National Guarantee System

·         no more lending rates partner increased:
• 5 percentage points, if the loan amount is less than 50 million rubles.
• 4 percentage points, if the loan amount is more than 50 million rubles, the term -. To 3 years
• 5 percentage points, if the loan amount is more than 50 million rubles, the term -. 3 years

Security

pledge of rights (claims) to SMEs, which will be provided loans at the expense of SME Bank •

Liquidity of movable and immovable property;
• bank guarantees and sureties of third parties;
• The loan must be provided at least 75% of the loan amount