Lending

The International Bank of Development provides enterprises of various fields of activities with lending in rubles and foreign currencies.

An enterprise can to be incorporated as a Limited Liability Company, Closed Joint-Stock Company, Joint-Stock Company or an Individual Entrepreneur unincorporated. Lending of enterprises of other types of incorporation is not arranged.

The Bank provides lending for enterprises with sufficient business experience (longer than half-year). Lending can be granted to newly established companies that are assigned for financial and business activities with precedent track record of not shorter than half-year or in the event that such company has been established with a view to operate in a new field of industrial (trading or other) activity, being the part of a holding (business development and branching).

For the purpose of credit limit estimation, the Bank shall consider the amount of turnover to be transferred through the Bank account as well as a borrower’s financial condition and credit history.

While granting a loan, special attention is drawn to the security and proper use of such loan as well as it is considered whether a customer has had any earlier relations with the Bank (account, conversion services etc.). Collateralized lending without regard to consideration of a borrower’s financial condition is not possible.

Loan interest conditions are subject to individual agreement depending on a collateral as well as of a borrower’s financial condition.

Loan products

• Loans for the purchase of equipment, industrial development and replenishing of operating assets
• Financing cash deficiency, lending of import-export transactions
• Revolving and non-revolving credit lines
• Overdrafts
• Guarantees (participation in tenders, advance payment refunds, payment guarantees, guarantees in favour of the State Customs Committee of the Russian Federation etc.)

Limits

• up to 240,000,000.00 RUR
• up to 8,000,000.00 USD

Terms

• up to 2 years

Interest rates

• RUR – from 14% per annum
• USD – from 12% per annum
• EUR – from 12% per annum 

Types of collateral

Mortgage, pledge of equipment and means of transport, pledge of goods both in stock and in circulation, pledge of other assets, and guarantees by the solvent legal entities.

Additional conditions

Transfer of funds to accounts in the International Bank of Development, total amount of funds transferred is to be not less than 50% of the loan amount.

Terms of consideration

An application shall be considered within 2 weeks as of the date of submission of all documents required.

For the purpose of a loan availability consideration, please contact the Bank Credit Department by telephone +7 495 730-0850 ext.159 or visit the Bank for lending details examination.

In the event of mutual interest for further cooperation, there shall be necessary to submit documents for a loan (issuing a guarantee) consideration.

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