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Real financing!

Phone in Moscow: +7 (495)720 02 82

Headquarters:Moscow-city, Testovskaya str 10, BC North tower, office 256

      • One-time Loan – one-time provision of funds by the Creditor (Bank) to the Company (Borrower).
      • Credit Facility – provision by the Creditor (Bank) to the Company (Borrower) of the right to multiple drawdowns and use of funds within an agreed limit during an agreed time period for a fee. A Credit Facility allows the Company to receive the required amount within the established credit limit to its settlement acount promptly and without extra formalities. The term of a credit facility agreement may be up to 2 years, depending on the type of security, and the term of each portion is determined based on the funds turnover. A Credit Facility is secured by assets of the Company. Credit Facilities may be of the following types: non-revolving (limited drawdown) and revolving (limited debt).
      • Overdraft is a method of financing allowing the Company to execute its payment documents during temporary absence or insufficiency of funds on its settlement account. Overdraft allows the Company to cover several cash gaps under the account and to promptly manage its own liquidity, i.e. to fulfill its obligations to suppliers, budget, employees, etc. on time and in full. There are short-term, extended and seasonal overdrafts. This type of financing may not require security.
      • Combined method – in this case two or three financing methods may be used.
Legal basis for Bank credits: regulation on the procedure of providing (placing) monetary funds by credit organizations and their repayment (extinguishment) (approved by the CB of the RF on 31.08.1998 54-p)

      • Financial leasing refers to the Lessor acquiring some property for production purposes and, based on a relevant agreement (lease agreement), transferring such property to another legal entity (Lessee) for temporary possession and use. During the term of such agreement the Lessee pays the Lessor a fixed amount including interest, principal and the Lessor’s costs. Upon expiration of the term of the lease agreement the title to the property passes to the Lessee. Lease may be suitable for companies interested in prompt acquisition of necessary modern equipment, for which they can pay in installments without diverting current assets to their acquisition. In addition, the Lessee saves money (compared to purchasing equipment with borrowed funds) through beneficial tax treatment of leases (recognition of lease payments as expenses included in the cost of goods, works, services, application of accelerated depreciation methods).
      • Return lease is a type of lease whereby the Company can replenish its current assets from existing fixed assets. A leasing company acquires property from the Company and immediately leases such property to it. This type of lease allows the Company to optimize taxes and return funds spent on the purchase while retaining the right to possess and use such property.
The following objects may be leased:
      • Real estate (buildings, manufacturing and office facilities, land, property complexes)
      • Automobile vehicles (cars and trucks, construction and special purpose vehicles, trailers)
      • Technological and manufacturing equipment
      • Computers and office equipment
Legal basis for leasing: Federal Law dated 29.10.1998 164-FZ “On financial lease".

Factoring is financing against assignment of monetary claims to the Company’s (Seller’s) debtors. The Bank finances a debt arising out of supplies of goods, payment for which is not due yet. As a rule, the Bank pays upfront up to 80% of the cost of goods supplied or services rendered, with the remainder minus fees paid to the Company after all payments are received from the debtor