Preferential loans under the 1764 program are available to companies from various sectors of the economy: retail and wholesale trade, agriculture, domestic tourism, science and technology, health care, education, manufacturing, restaurant business, household services.

Preferential loans under the program can be used by individual entrepreneurs and self-employed.

To obtain a loan, you need to contact the authorized bank under the concessional lending program 1764.

Loan size

from 500. thousand rubles 2. billion rubles.

Term of credit

before 10. years

Interest rate

• key rate of the Bank of Russia established on the date of filing the application + no more than 2.75%

Purpose of credit

• investment from 500 thousand to 2 billion rubles (at the rate calculated as “key rate + 2.75% per annum”, within 5 years), the maturity is up to 10 years. Money can be obtained for business development – for example, the purchase of new equipment or premises, the reconstruction of production;

• to replenish working capital - from 500 thousand to 500 million rubles (at the rate calculated as “key rate + 2.75% per annum”, within 1 year), the maturity period is up to 3 years. The money can be spent, for example, to purchase a new batch of raw materials or pay salaries to employees;

• for refinancing. Under the program, an entrepreneur can refinance an old loan, including one concluded under the 1764 Program, at a rate calculated as a “key rate + 2.75% per annum”;

• development of entrepreneurial activity - 10 million rubles for a period of up to 3 years at a rate calculated as a “key rate + 3.5% per annum” for microenterprises and self-employed.

Regulatory framework

• Decree of the Government of the Russian Federation of 30.12. 2018 No. 1764 "On Approval of the Rules for Granting Subsidies from the Federal Budget to Russian Credit Institutions and Specialized Financial Companies in order to compensate for the lost income on loans issued in 2019-2024 to small and medium-sized businesses, as well as individuals applying the special tax regime "Tax on Professional Income", at a preferential rate"

Contacts

SME Bank JSC.
115035, Moscow, St. Gardening, 79.
tel.: 8 800 100 11 00.
E-mail: info@mspbank.ru

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