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Loan "Beginner"

Contact
Telephone
+7 (4852) 58-80-84
E-mail
mail@fond76.ru
Loan "beginner" from 1%
Borrower/SME Subject:
SME subject, meeting the requirements of the Federal Law of 24.07.2007 No. 209-FZ "On the development of small and medium-sized businesses of the Russian Federation":
  • legal person;
  • individual entrepreneur.
    The borrower is newly registered and valid for less than 2 (two) years as of the date of conclusion of the loan agreement with the PP NWF (ICC).
    Mandatory conditions for the Borrower:
  • registration and implementation of activities in the Yaroslavl region;
  • implementation of continuous financial and economic activities for a period of at least 3 (three) months on the date of application to the Fund;
  • SME does not belong to small and medium-sized businesses specified in part 3 and part 4 of article 14 of the Federal law of 24.07.2007 No 209-FZ "On the development of small and medium-sized businesses of the Russian Federation";
  • the SME has no overdue debt on taxes and fees and other mandatory payments to the budgets of the budgetary system of the Russian Federation, exceeding 50 thousand rubles, confirmed by a certificate of the tax authority issued not earlier than 30 (thirty) calendar days before the date of conclusion of the microloan agreement;
  • Insolvency (bankruptcy) procedures are not applied in respect of the SME Entity, including supervision, financial recovery, external management, competitive proceedings or cancellation or suspension of the license (in case the activity is subject to licensing);
  • A positive credit history;
  • having a positive business reputation;
  • other conditions established by the rules for granting microloans to small and medium-sized businesses from the funds of the Fund for Support of Small and Medium-Sized Enterprises of the Yaroslavl Region (microcredit company).
Debt limitfrom 10 thousand rubles. to 2 000 000 rubles.
Limit of debt for related organizations (inclusive)from 10 thousand rubles. to 2 000 000 rubles.
Interest rate, annual rate1%
Maximum loan term (inclusive)36 months
Maximum period of deferral of principal repayment (inclusive)up to 3 months deferment of repayment of the amount of principal and interest for the use of borrowed funds
Purpose of the loan
  • acquisition, repair, modernization of fixed assets;
  • acquisition of commodity and material values;
  • development of scientific, technical and innovative activities;
  • expansion of activities (implementation of new technologies, development of a new direction) and / or development of an existing business;
  • payment of current arrears on taxes, fees and other obligatory payments;
  • payment of current wage arrears;
  • payment of current arrears on lease payments;
  • payment of current debt on utility payments;
  • settlements with counterparties.
Security against the loan amountAt least 100%.
Security: pledge
  • vehicle;
  • equipment;
  • property;
  • goods in circulation - security not more than 50% of the amount of the microloan;

  • property acquired at the expense of borrowed funds of the Fund (except for goods in circulation) - security not more than 50% of the amount of the microloan.

    The pledge is registered and located on the territory of the Yaroslavl region.
    Third parties may act as pledgers.

Deadline for reporting on targeted use of fundsNo more than 365 (three hundred and sixty-five) calendar days, but not later than the date of termination of the loan agreement.
Additional security - Guarantee

General requirements for surety:

  • a legal entity registered in the Yaroslavl region and operating for at least 1 year on the date of applying for a loan;
  • an individual aged 21 to retirement age (the age exception is the beneficial owners, founders/shareholders) established by the current legislation of the Russian Federation (at the time of expiry of the loan agreement).

Terms and requirements for surety are established by the Regulations on ways to ensure the fulfillment of obligations under loan agreements of the Fund for Support of Small and Medium-Sized Enterprises of the Yaroslavl Region (microcredit company).

For borrowers - legal entities:

  • Guarantee of founders / shareholders (with a share in the authorized capital of 25% or more).
  • guarantee of beneficial owners;
  • at the debt limit for the Borrower and / or a group of related persons from 1 million rubles. - at least 2 guarantors.


For borrowers - individual entrepreneurs:

  • the spouse's warranty (if any);
  • guarantee of beneficial owners;
  • at the limit of debt on the Borrower and / or a group of related persons from 1 million rubles. - 1 sponsor.


The Credit Committee of the Fund reserves the right, if necessary, to attract an additional guarantee of an individual and / or legal entity.

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