On the wave of the crisis, many entrepreneurs interested in what way, as soon as possible and with minimal cost, to support their business. Many turned to the possibility of bank lending. Turning to the bank entrepreneur before encountered difficulties in the form of various checks, collection of documents and search for liens. But today, a time of crisis has complicated the procedure of obtaining a bank loan. Output to become an entrepreneur city programs to support small businesses that can make life easier for future borrowers. As you know, one of the most common obstacles to obtaining credit is the lack of collateral. For Entrepreneurs St. Petersburg this problem helps to solve the Foundation for Assistance to Small Business Lending.
The Fund has already been concluded 260 contracts guarantees totaling $ 1,006 million rubles, which would allow small companies to St. Petersburg to attract 1,879 million rubles borrowed funds. The process of obtaining warranty is very simple: the entrepreneur's enough to turn the bank has entered into an agreement with the Fund, and express their desire to use the warranty. The list of banks that are constantly widening can be found at the Foundation's website -. After a positive decision on granting a loan the bank sends a request to the Fund on the design of surety. Application pendency period – a maximum of 3 days. PACC Lab spoke with conviction. In case of acceptance positive solution is a tripartite agreement of guarantee, and entrepreneur gets credit money into your bank account.
It should immediately be stipulated that the guarantee fund shall be issued for though not large, but the rewards – 1,75% of the amount of surety. Subsequently, a significant portion – 90% of the Fund's fees may be recovered through participation in the special program "lending by commercial banks to Small Business. " In addition to the compensation fee fund a special program to compensate up to 90% of the amount of interest paid to bank for a loan. Using the program of the Fund and special program you can greatly reduce their spending on credit.