SME lending incentive program (Program 6.5) - state machinery financial support, which ensures the availability of long-term investment and revolving lending to SMEs at fixed interest rates.
The credit line includes 5 products, the funds for which are provided under the "Program 6.5", including 2 products that are provided directly from the SME Bank:
| INVESTMENT LOAN | |
|---|---|
| PURPOSE | |
| TERM | before 60 months |
| SUM | from 10 before 25 million rubles |
| BID | 9,1%
10,1% |
| TERMS | |
| INVESTMENT PROJECT | |
|---|---|
| PURPOSE | Financing investments aimed at creating or acquiring fixed assets |
| TERM | before 84 months |
| SUM | from 25 before 500 million rubles |
| BID | 9,1%
per annum (for medium-sized businesses) 10,1% per annum (for small businesses) |
| TERMS | Funds can be used to purchase fixed assets (at least 70% of the total loan amount) and to cover current expenses, incl. working capital financing (not more than 30% of the loan amount). |
| STATE CONTRACT NEGOTIABLE | |
|---|---|
| PURPOSE | Financing of expenses related to the execution of contracts within the framework of federal laws No. 44-FZ and No. 223-FZ |
| TERM | before 36 months |
| SUM | from 10 before 250 million rubles |
| BID | 9,6%
per annum (for medium-sized businesses) 10,6% per annum (for small businesses) |
| TERMS | With a loan amount of up to 25 million rubles, only future receipts under the contract are taken as collateral. The loan amount is from 10 to 250 million rubles, but not more than 70% of the contract amount, reduced by the amount of the advance payment received and the amount of payments made for the execution of the contract from the customer. Loan term - no more than 36 months, but no more than the term of the contract, extended by 90 days. |
You can search for the information you need on your own, buy a procurement monitoring program and hire tender specialists with suitable experience, or apply to the Entrepreneurship Support Center and we will provide you with the full range of required services at the most affordable prices with a guarantee of a positive result.
We will promptly check your organization for compliance with all criteria, order an extract and inform you about the result. After that, we will agree on a cooperation agreement with you and prepare the constituent documents and declarations required for further work with contracts and financing.
When the preparation is completed, we will assign you a personal manager who will manually select transactions according to your criteria, according to which advance payments and short settlement terms are approved, and we will also provide access to the Multifunctional Account, which will provide you with all the necessary information.
Loans against contracts and auctions can be used to purchase inventory items, perform work, settle with third parties in transactions or pay for various services.
No need to use your own working capital;
- quick receipt the required amount and favorable terms of repayment of the loan;
- the need to provide a minimum set of documents.
Credits for participation in the auction and competition - this is an opportunity to take part in the auction even if it is not possible to deposit the amount to the account of the organizer of the event Money from their own reserves.
No need to withdraw own funds from circulation to secure the application;
- the ability to participate in several auctions at the same time
and even in large tenders);
- no need for collateral.
The Tender-Garant company has been offering the possibility of obtaining loans under contracts and auctions for several years already. favorable conditions. Our cooperation with clients is based on the following advantages:
1. Within 5 days
Obtaining loans under contracts and auctions within 1-5 working days after applying (issuing such a loan with a normal application to the bank takes 2-3 times longer).
2. Free services
We receive remuneration from our partner banks.
3. Reliability
We work only with proven partners, which reduces the likelihood of problems in the process of obtaining loans for contracts and auctions.
4. Minimum documents
You will need to present a minimum number of documents, and the location of the client does not matter ("Tender-Garant" works with all cities of Russia).
5. Economy
The interest rate is low (from 15 percent per annum).
In order to receive loans under contracts and auctions, customers need to contact our employees and present:
Financial reporting documents (required to provide data for the last 4 quarters);
- a completed application form;
- a link to the auction, tender, competition.
The company "Tender-Garant" will help you in obtaining loans for contracts and auctions, and you will be able to save your own funds by directing them to the development of your business.
10/31/2013 | Rosfirm News Service
The Solev company offers a relatively new loan product- contract financing.
A distinctive feature of this financial service on borrowing funds is that the funds are provided on the security of the rights of claims under the concluded contract.
This type of financing has long been used in a number of countries, helping businesses develop harmoniously and making them less dependent on unstable cash receipts from customers.
What is contract financing for?
Nowadays, many enterprises and organizations do not have enough funds to quickly complete the work, even if there are profitable contracts concluded.
The problem is that the receipt of funds from customers is sometimes delayed or, in general, the advance payment is not provided for in the contract, and the contractor has to carry out work on his own funds, which are often quite limited. Especially often this phenomenon occurs when performing large-scale construction and installation works, government supplies and the production of high-tech and expensive products with a long production cycle. This state of affairs is fraught with failure to meet the deadlines for the fulfillment of obligations, and large forfeits.
It is in order for enterprises to start work on time under the contract that this financing exists, which is most often in the form of a revolving credit line. This frees companies from the hassle of paying wages employees, and payments under supply and outsourcing contracts.
Advantages of contract financing
With all these benefits, contract financing will allow campaigns to expand and grow through large contracts while avoiding financial hassle. This will increase profits and help create jobs and.
To participate in the auction for the right to conclude an agreement with state organization you need to have security on the application - the amount of money established by the conditions, which will be returned in case of refusal to cooperate or act as a guarantor of the fulfillment of obligations. However, after the conclusion of the state contract, money is needed for its implementation. Legal entities that belong to the category of small businesses, not all can afford to withdraw money from circulation, therefore, an alternative option for business development are loans for execution with and without collateral.
A loan can be issued in a standard form - a one-time issuance of funds or in the form of a credit line (revolving or not). Sometimes claims are made that entity to finance government contracts must open a current account with the creditor.
Issue conditions:
Table - Tariffs for loans
| Name | Binbank | Alfa Bank | Loco Bank | Oriental |
Metallinvestbank |
| Minimum amount, rub. | 1 000 000 | 100 000 | — | 500 000 | — |
| Credit limit, rub. | 45 000 000 | 50 000 000 | 70% of the contract amount | 20 000 000 | 50,000,000, but not more than 30% of the contract price |
| Term, months | 24 | 12 | Contract period | Contract period+60 days, but not more than 36 months | 63 |
| Opening a current account | necessarily | Not necessary | |||
| pledge | Equipment, transport, real estate, deposit | Contract revenue | Contract revenue | Contract revenue and guarantee from business owners | Equipment, transport, real estate, contract revenue |
| Deferred payment period, months | 3 | Discussed individually | No | Payment at the end of the contract | |
| Interest rates, % per year | 10,5 | Installed for each client separately | 11% | 19,5-22 | 18,5 |
Important! The loan is targeted and is allocated in accordance with Article 96 of Law No. 44-FZ. The purpose of lending to organizations is to replenish working capital to fulfill the terms of a contract or investment financing within federal law No. 223-FZ.
The return of the principal debt is established in one of the following ways:
To receive money for the execution of the contract, it is necessary:
A guarantee from the owners of the business will be required.
Many lending institutions have restrictions on the activities of the borrower. They will not issue a loan if there are types:
Consumer cooperatives are more likely to be denied applications, but they often do not meet the other criteria.
To receive money, you need to prepare:
Individual entrepreneurs submit OGRNIP, SNILS, an extract from the USRIP, an extract from bank account for the last reporting period.
To receive funds, an application can be filled out remotely, and after a preliminary decision of the bank, visit a branch with documents.
The term for making a decision is 1-21 days, depending on the availability of a complete package of documents and information to assess the solvency and stability of a potential borrower.
Important! When using a loan for the execution of a government order, you do not have to worry about a possible force majeure, since even due to failure to meet the deadlines, obligations to the bank will be repaid by future revenue! If the conditions are not met, a legal entity or individual entrepreneur is deprived of the right to participate in tenders and public procurement within 24 months.
Question #1: In the absence of payment after the execution of the contract, is it possible to obtain additional financing to replenish working capital?
Answer: Yes. The collateral for the new contract will be an act of work performed. If under the previous agreement the form of issue was a credit line and maximum limit it is not exhausted, you can get the difference to replenish assets.
Question #2: If banks refuse, where can I get a loan?
Answer: Money under a state contract will be issued in any financial cooperative and microfinance organization, you can also use the services of a private investor. The fundamental difference beneficial for the company will be short term consideration of the application, the minimum package of documents. The negative aspect of cooperation is the high interest rate and the limit on the amount, as a rule, the limit does not exceed 10,000,000-20,000,000 rubles and only liquid property - real estate and transport - is taken as collateral.
5 (100%) 2 votes
To participate in state competitions, auctions and tenders, a potential state contractor must confirm his qualifications and solvency. Small commercial organizations there is no way to withdraw a large amount of funds from circulation for a long time. Especially for such transactions, banks offer to issue a loan for the execution of a government contract.
Participation in state tenders is the most effective way to bring the organization to a new level of profit. Any company can become a contract executor, provided that it receives a financial guarantee, signs a contract and performs a quality job.
To fulfill the first condition, you must:
The issue of securing government contracts has been repeatedly considered in regulations. According to Federal Law No. 44 “On the contract system in the field of procurement”, a contract with a contractor is concluded after providing them with security in the form of a bank guarantee or transferring funds to a separate account. At the same time, the parties to transactions can independently choose best option. The possibility of providing security by a third party causes a lot of controversy. So, it is not provided for in Federal Law No. 44, but in Art. 313 of the Civil Code states that the creditor is obliged to accept such an obligation, provided that it is assigned by the debtor to the specified person. In order to avoid conflict situations, entrepreneurs prefer to issue a loan for the execution of a state contract. Banks today offer other products as collateral for government transactions. The choice of a specific product depends on the stage of the transaction.
In order for a potential performer to be able to participate in the auction, he must confirm his solvency by transferring a certain amount to the organizer of the auction. Usually the advance is 1-5% of the contract value. These funds are "conserved" and become unavailable for the duration of the contractor's participation in the tender. If funds are selected from the company's turnover, then participation in other tenders becomes impossible. Will help solve this problem tender credit. Its main advantage is the processing time. Just like a loan for the execution of a state contract, a tender loan can be obtained in a few days.
Budgetary organizations often delay untimely pay for the work of the contractor. A loan of the same name will help you avoid financial problems. To obtain it, it is enough to provide a signed act of work performed and an application for a loan.
If the executor of the state contract, who won the tender, lacks own funds to cover the costs associated with the provision of services, he can issue a targeted loan. The loan amount will be 25-30% of the loan value. With these funds, the contractor will be able to purchase the necessary inventory and materials without diverting funds from his turnover.
This is, in fact, a regular loan, which is provided to replenish working capital. Most often, the required security under the contract is 50% of the transaction value. Even a large company is difficult to find such an amount. Therefore, enterprises draw up a loan for the execution of a state contract. Most often, such a loan is provided against the security of the company's property, especially if it is issued not through a bank, but in a credit union. The advantage of the product is that the company does not need to withdraw its own funds from circulation. A loan for the execution of a state contract without collateral can be provided only if the contract provides for the assignment of rights of claim and the guarantee of the business owners.
The main difference between such a loan is the speed of processing the transaction. Documents for a regular loan are considered for several weeks. Participants of state auctions do not have it. A loan under a government contract is issued in just a few days. The second difference is the minimum package of documents. The bank usually asks financial statements, statutory documents and order data.
At the same time, only “decent” enterprises can get a loan for the execution of a state contract in VTB 24 or in any other. The criteria for selecting such enterprises are different. Some pay attention to the amount of overdue accounts receivable, and others - on the timeliness of repayment of tax payments. No late payments are welcome. The last 6-18 months are analyzed. For such products, banks develop flexible loan repayment schedules, depending on the receipt of revenue, and allow early repayment of the loan. The loan rate usually does not exceed 20%. Where is the best place to get a loan for the execution of a government contract?
AT banking institution you can take out a larger loan on favorable terms than in a credit union.
A loan for the execution of a government loan can:
Sberbank can provide a loan for the execution of a state contract in the form of a classic loan, and in the form of a credit line. To do this, the organization must open a current account with the creditor bank, submit a protocol from the tender.
To receive a loan, the client must meet certain requirements:
Additionally, the bank may request a collateral in the form valuable papers, real estate, goods and materials and the guarantee of business owners.
Conditions for servicing loans in the market:
A loan for the execution of a government contract is an excellent tool that, if used correctly, can lead to an increase in the organization's profits, give an opportunity to participate and win tenders in the future.
