Company LLC MCC OUTSTANDING LOANS, address: Moscow, Kutuzovsky prospect, 32 bldg. 1st floor 6 rooms 6.S.01 was registered on May 18, 2017. The organization was assigned TIN 7725374454, OGRN 1177746493473, KPP 773001001. The main activity is the provision of loans and other types of credit, in total 4 types of activity are registered according to OKVED. There are no connections with other companies.
Number of co-owners (according to the Unified State Register of Legal Entities): 1, General Director - Chetverikov Sergey Viktorovich. The size of the authorized capital is 200,010,000 rubles.
LLC MCC OUTSTANDING CREDITS did not take part in the tenders. No for the company enforcement proceedings. LLC MCC OUTSTANDING CREDITS participated in 446 arbitration cases: in 445 as a plaintiff, and in 1 as a defendant.
Details of LLC MCC OUTSTANDING CREDITS, legal address, official website and extract from the Unified State Register of Legal Entities are available in the SPARK system (demo access is free).
As part of the microcredit project, Sberbank is ready to offer its future clients:
According to analysts, the exit the largest bank Russia in the microfinance segment will have a positive impact on the market situation. Now, only small companies are engaged in issuing loans to small businesses, including individual entrepreneurs. regional banks and several microfinance institutions. If the ICC Outstanding Loans» from Sberbank will offer more profitable terms lending, it will be able to take a leading position in this segment.
Loans for small businesses are issued for real estate, the purchase of vehicles, the modernization of production or replenishment of working capital. Maximum limit can be up to 200 million rubles. There are several types of loans:
Almost every one of these loans can be used to refinance debt to third-party banks and leasing companies. You can purchase office equipment or household equipment.
According to Kommersant's information, a subsidiary microcredit company (MCC) of Sberbank will start operating on the market in the near future. MCC "Outstanding Credits" will specialize in providing loans to legal entities. Experts point out that, taking into account the resources and cost of funding Sberbank, the new MCC will be able to quickly take a leading position in the market. However, the experience of Sberbank's main competitor, the VTB Group, shows that this business model is not very efficient.
Market participants told Kommersant that Sberbank intends to engage in microfinance. The MCC “Outstanding Credits”, already created by the bank, will specialize in issuing loans for micro and small businesses (including individual entrepreneurs). At the stage of the pilot project, which starts in the third quarter, the issuance of microloans up to 1 million rubles. for entrepreneurs will be carried out in Moscow, St. Petersburg and Nizhny Novgorod. As a result of the pilot project, it is planned to expand the product line and the number of regions. “When working with a client, we proceed from the fact that the borrower of Outstanding Loans will be able to use the bank's settlement products. As a result, we get to know the client better, evaluate his business, which will allow us to offer him more attractive lending conditions in the future already at Sberbank,” said Sergey Bessonov, director of the corporate lending division of Sberbank. He also added that the decision to establish the MCC was made, inter alia, taking into account the strategy for the development of small and medium-sized businesses, approved in June last year by government decree.
According to SPARK-Interfax, the Outstanding Loans MCC was registered on May 18, 2017. On July 4, the MCC was entered into the register of the Central Bank. The actual sole shareholder (99% of shares) is Corus Consulting CIS, which is 100% owned by PJSC Sberbank. CEO Valery Kolomytsev has been appointed to the IWC.
What will be the rates on loans of the MCC, Sberbank does not disclose, noting that their price will be at the level credit rate small regional banks. According to experts, "Outstanding Credits" will be able to offer its customers rates below those currently on the market. “According to my estimate, the rate for business will be about 30% per annum (the average market value for this category of loans is 35–40%.- "b"),” says Yaroslav Kabakov, Deputy General Director of the Finam Group of Companies.
Market participants are generally positive about Sberbank's entry into the microfinance segment, believing that this will help increase the availability of financing for small businesses. “The speed of decision-making by banks is rather low, the volume of documents they request is huge, this does not allow small businesses to actively receive credit support,” says Vladislav Mishin, general director of Brio Finance. “Now the entire portfolio for small businesses is 3.5 -4 times lower than required. According to the General Director of the MCC "Simple Finance" Alexei Basenko, if Sberbank offers good service, speed of application processing and unification in terms of document flow, in a year and a half it will be able to become the market leader in this segment.
Now the main players in the small business lending market are regional microfinance companies, which are financed from the budgets of the regions. According to Expert RA, at the beginning of the year, the top 5 companies issuing loans to small and medium-sized businesses are similar non-profit organizations.
There are practically no commercial players, even represented by subsidiaries of state-owned banks, in this market. The VTB Group had a similar experience in its time. For several years, the group included the Microfinance company, owned by VTB 24, which was engaged, among other things, in providing loans to small businesses. However, in 2015 the project was closed as inefficient. Commercial banks, such as OTP-bank, HKF-bank, Tinkoff-bank, are engaged in providing loans to individuals, which is a much more profitable business. Sberbank is betting on technology. “An important advantage of the company's work should be the speed of issuing loans, for business this is often even more important than the price. Therefore, we plan to use online technologies as widely as possible and simplify and speed up the receipt of financing for the client,” Sergey Bessonov specified.
Svetlana Samuseva
LIMITED LIABILITY COMPANY MIKROKREDITNAYA COMPANY "VYVYYSHCHIEYSKY KREDITY" 7725374454 is registered at 121170, MOSCOW CITY, KUTUZOVSKY PROSPECT, BUILDING 32, BODY 1, FLOOR 6 POM 6.С.01. The head is the GENERAL DIRECTOR SERGEY VIKTOROVICH CHETVERIKOV. The company was registered on May 18, 2017. the organization was issued the All-Russian State Registration Number - 1177746493473. In accordance with the registration documents, the main activity is the provision of loans and other types of credit. For more detailed information, you can go to the company card and check the counterparty for reliability.
Interdistrict Inspectorate of the Federal tax service No. 46 in Moscow carried out registration of LLC MCC "OUTSTANDING CREDITS" on May 18, 2017. On February 26, 2019, the procedure for registering with the State Institution - Head Office was implemented pension fund RF No. 2 Office No. 7 for Moscow and the Moscow Region municipal area Dorogomilovsky, Moscow. Registered in Branch No. 11 State institution- Moscow regional branch of the Fund social insurance Russian Federation LLC MCC "OUTSTANDING CREDITS" became 22.05.2017 00:00:00. The last entry in the Unified State Register of Legal Entities, which contains about this organization: Submission of information on the issuance or replacement of documents proving the identity of a citizen of the Russian Federation on the territory of the Russian Federation.
