The loan is "Negotiable"

Revolving loan from 8%

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.

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 6 (six) months on the date of applying to the Fund / at least 3 (three) months on the date of applying to the Fund - for an SME Subject that is newly registered and operating for less than 2 (two) years on the date of concluding a microloan agreement;
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).

	Reversing “Priority” *	Reversal "Main"
Debt limit	From 50 000 to 5 000 000 rubles (inclusive)
Limit of debt for related organizations (inclusive)	From 50 000 to 10 000 000 rubles (inclusive)
Interest rate, annual**:	If collateral is available: 1/2 key rate of the Bank of Russia established on the date of conclusion of the loan agreement, in the presence of collateral In the absence of collateral: 3/4 of the key rate of the Bank of Russia established on the date of conclusion of the loan agreement, in the absence of collateral	If collateral is available: 3/4 of the key rate of the Bank of Russia established on the date of conclusion of the loan agreement, in the presence of collateral. In the absence of collateral: 1 the key rate of the Bank of Russia established on the date of conclusion of the loan agreement, in the absence of collateral
Debt repayment deferral (inclusive)	Not provided
Maximum loan term (inclusive)	12 months
Purpose of the loan	Replenishment of working capital (for the Revolving “Priority” product within the framework of priority projects): acquisition of commodity and material values; payment of transportation costs, fuel and lubricants; settlements with counterparties; repair and maintenance of fixed assets used in the production process; 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.
Security against the loan amount	With a loan amount up to 1 million rubles (inclusive) - 0% If the loan amount exceeds 1 million rubles - at least 100%
Security: pledge	vehicle; equipment; property; 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 funds	not more than 90 days
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) is mandatory. guarantee of beneficial owners; at the debt limit for the Borrower and / or a group of related persons from 3 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 3 million rubles. - 1 sponsor

*In accordance with subparagraph 2.9.3 of paragraph 2 of the Requirements for the implementation of regional projects by the constituent entities of the Russian Federation, ensuring the achievement of the goals, indicators and results of the federal project "Small and Medium-Sized Business and Support of Individual Entrepreneurial Initiative", which is part of the national project "Effective and Competitive Economy", providing for the main directions of expenditure in the implementation of activities, key indicators of the implementation of activities, including requirements for organizations forming the infrastructure of small and medium-sized businesses, requirements for state (herequirements) and for their activities (herequirements No. 27.0320), "Smatching the implementation of the Russian Federation for the implementation of the national projects of the state-level economic activities"
(a) As of the date of conclusion of the microloan agreement, an SME entity carries out one of the following activities in accordance with the All-Russian Classification of Economic Activities (OK 029-2014) (hereinafter - OKVED):
- Manufacturing industries (within the framework of Section C “Manufacturing Productions” of OKVED);
- activities of hotels and catering enterprises (within the framework of Section I "Activities of hotels and catering enterprises" OKVED);
- Information and communication activities (under section J, Information and Communications Activity, OKVED);
- professional, scientific and technical activities (within the framework of section M "Professional, scientific and technical activities" of OKVED);
- activities in the field of tourism (within class 79 of section N "Activities of administrative and related services" OKVED).
(b) The SME entity is newly registered and has been in business for less than two (2) years on the date of conclusion of the microloan contract;
(c) SME subject on the date of conclusion of the microloan agreement is a subject of the creative industry in accordance with the Federal Law of 08.08.2024 No. 330-FZ "On the development of creative (creative) industries in the Russian Federation";
(d) The SME entity carries out export activities at the date of the conclusion of the microloan contract;
e) As of the date of conclusion of the microloan agreement, the SME entity implements other priority projects determined by the highest or other authorized management body of the PP NWF (MCC) from among the priority projects approved by the regulatory legal act of the supreme executive body of the Russian Federation.

** Determination of the interest rate for the use of a microloan in accordance with subparagraph 2.9.1 - 2.9.2.1 of paragraph 2.9 of section 2 of the Requirements approved by the Order of the Ministry of Economic Development of Russia of 27.03.2025 No. 195.