Crediting

Crediting is one of the most important area of the Bank’s business. The Bank actively credits enterprises of various profiles offering them a wide range of loan products for the following purposes:

 

The purposes of credit granting:

  1. Replenishment of current assets (for purchase of goods, utilities, consumables; salary payment);
  2. Financing of short-term cash gaps in payments;
  3. Financing of short-term cash gaps in customs duties payments;
  4. Payment of import contracts;
  5. Export financing.

Basic terms and conditions of credits and credit lines:

  1. Credit/credit line term – up to 1.5 years;
  2. Minimum amount – RUR 5 million or its equivalent in foreign currency;
  3. Currency – RUR or foreign currency;
  4. Repayment schedule – at the end of the term/annuity/individual/granting of early repayment right;
  5. Security: warranties (third parties’ secured and unsecured), guaranties, pledges (real estate and  fixed assets, commodity and material assets, securities, deposits placed in the Bank).

Overdraft basic terms:

  1. Term of contract – up to 1 year;
  2. Maximum term of continuous indebtedness – up to 30 days;
  3. Nonrecurring indebtedness limit – not more than 50% of amount of credit turnover at client's master account and not more than 30% of credit turnover, which a potential client undertakes to transfer to the Bank and maintain for the duration of credit contract;
  4. Not less than 15 counterparts ensuring revenues income;
  5. Security: warranties (third parties’ secured and unsecured), guaranties, pledges (real estate and fixed assets, commodity and material assets, securities, deposits placed in the Bank).

The Bank’s guarantee basic terms:

  1. Term of guarantee – up to 1 year;
  2. Minimum amount and commission – according to the Bank’s Terms and Conditions;
  3. Requested guarantee amount does not exceed monthly average revenues from principal activity;
  4. Security: warranties (third parties’ secured and unsecured), guaranties, pledges (real estate and  fixed assets, commodity and material assets, securities, deposits placed in the Bank);
  5. Availability of contracts’ drafts, signed agreements and tender documentation.

Basic requirements to borrower (Principal):

  1. The company has not less than 1 year business experience in the particular sector;
  2. No losses for the last accounting period;
  3. The company has actual assets and owned equity;
  4. Product manufacturing system, marketing outlet and sales system exist;
  5. Business is legitimate (a significant turnover part flows through bank accounts);
  6. Business is stable, prospective and grows sustainably - there is no overdue debts to budget and off-budget state funds;
  7. No overdue debts to the Bank under loan products (principal debt, interests, penalties and commissions);
  8. No List № 2 to the client's master account with the Bank as well as current account limitations - blocking or attachment of account;
  9. The company’s monthly average turnover – not less than credit amount or limit.

      

The Bank considers distinctive peculiarities of manufacturing, trading cycles, conditions under contracts and agreements, client’s account turnover.

 

Loan product terms and conditions are determined individually in the view of the following factors: amount, term, loan product currency, client's financial standing, use purposes and available security.

List of documents required for estimation of financial standing of a borrower - legal entity (doc)

If you already are a client of the Bank, please, contact your personal manager tp solve any financial matters. If you want to become our client, please, call us.

 

Клиентская служба

  8-800-200-23-10

+7 (495) 221-00-10
E-mail: pmail@nota-bank.ru

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