Corporate Clients Financing

The expanded variety of credit products for organizations from 10,000,000 to up to 100,000,000 Rubles (300,000 to 3,500,000 USD) for up to 12 months period. Liquid assets are accepted as a guarantee for this type of loan. In case of lack of necessary collateral, the Bank accepts guarantees from the Small Business Credit Assistance Fund.

Loan amount

  • from 10,000,000 to 100,000,000 rubles
  • from 300,000 to 3,500,000 USD

Enterprise location

  • Moscow and suburbs
  • Saint Petersburg and suburbs

Credit types

  • Short-term rubles and foreign currency loans
    This product is set to serve the short-time (from 1 month to 1 year) needs in borrowings. The loan is granted as a one-time money transfer to the Client’s account with the registration of the collateral, according to the Banks requirements.
  • Overdraft
    The loan is granted in parts for the period of up to 30 days within the limits. The limit is set at the rate of not more than 30% of the monthly average turnover according to the Client settlement accounts for the past 6 months. The director’s personal guarantee is accepted as security.
  • The line of credit with the limits of cash withdrawal in rubles and foreign currency (non-renewable credit lines)
    The loan is given for a definite period of time, paid out in parts (tranches) and the whole amount of given cash do not exceed the maximal limit set in the contract as “payment limit”. After the signing of the contract credit tranches are given in accordance with the Client’s statements.
  • The credit line with debt limits in Rubles and foreign currency
    During the contract period the Client has an opportunity to make use and repay loan within the limits set in accordance with the incoming earnings to pay his bills to suppliers and contractors. This option allows planning the cash flows for the enterprises with cyclic production thus making it possible to economize on payments of the banks interest.
  • Pre-export financing
    The financing of exporter-clients’ contracts. The loan is granted for the period of 180 days. The making of the passport of a bargain provided by the export contract inside the Credit Moscow Bank is an obligatory condition for the credit issuance. The collateral of the inventory valuables and monetary earning concessions are taken as guarantees.

Period of credit
From 1 to 12 months

Application considering time
10 working days starting from submission of necessary documents

Payment dues
Equal parts each month, individual schedule

Collateral
Liquid assets

  • real estate
  • equipment
  • transport
  • inventory holdings
  • Credit Moscow Banks promissory notes
  • government and corporate shares, with market quotes
  • first-class banks’ and contracting banks’ guarantees
  • guarantees of Small Business Credit Assistance Fund

Requirements to the borrower

  • Client’s actual financial status
    Clients stable financial and market status, his competitive preferences should provide complete discharge of obligations in time (no matter the type of security).
  • Collateral
    The Bank provides financing only on conditions of liquid collateral (except non secured loans). The property, bought using borrowed funds is considered as collateral only in case of mortgage lending to legal entities.
  • Informational support
    The borrower must provide all the necessary papers and information at the Bank’s demand.

Notice
The Bank’s interest rates are set individually according to the borrower’s actual financial status, the amount and the period of a requested loan.

Branches: 
Moscow: tel.: (495) 72-707-72, msk@cmbank.ru
Saint Petersburg: tel.: (812) 310-1967, spb@cmbank.ru

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