Framework credit line
Financing for business needs — within a single solution
A preliminary agreement with the bank that gives access to various loan products within an established limit. You get access to financing — without re-executing documents
One contract — all products
Get loans, guarantees, leasing, factoring and letters of credit under a single agreement
Saving time and costs
Cut paperwork costs and launch deals faster
No repeated documents
Prepare the document package once and use it for all subsequent deals
Financing flexibility
Receive financing in national and foreign currency
Individual terms
Financing parameters take into account the specifics and goals of your business
Financing as needed
Raise funds when you need them — within the established limit
One contract — all products
Get loans, guarantees, leasing, factoring and letters of credit under a single agreement
Saving time and costs
Cut paperwork costs and launch deals faster
No repeated documents
Prepare the document package once and use it for all subsequent deals
Financing flexibility
Receive financing in national and foreign currency
Individual terms
Financing parameters take into account the specifics and goals of your business
Financing as needed
Raise funds when you need them — within the established limit
Loan products for business
Flexible solutions for scaling your company
Loans for development, replenishing working capital and implementing projects — with flexible terms and a convenient format
Loan
One-off financing for a specific task
Credit line
Repeated use of funds within the established limit
Loan
One-off financing for a specific task
Credit line
Repeated use of funds within the established limit
Investments and development
Financing fixed assets and business expansion
Working capital
Support for current operations and liquidity
Payment for works and services
Loans intended to cover the costs of contract works and services
Bank guarantees
Reliable security for your obligations
A guarantee is the Bank's written obligation, at the Client's request, to pay a sum of money to the guarantee Beneficiary upon their written demand in accordance with the agreed terms
Performance guarantee
Tender guarantee
Bank customs guarantee
Payment guarantee
Advance payment guarantee
Performance guarantee
Tender guarantee
Bank customs guarantee
Payment guarantee
Advance payment guarantee
Reliable settlements via letters of credit
Secure settlements with partners worldwide
A letter of credit is an irrevocable obligation of the Bank that opened it on the Client's instruction to make a payment if the beneficiary submits the documents and fulfils the other conditions provided by the letter of credit
Irrevocable, confirmed, documentary letters of credit
With a post-financing option
With a discounting option
With deferred payment
With a post-financing option
With a discounting option
With deferred payment
International reliability
Guaranteed settlement reliability at world-class standards
Payment guarantee
It ensures the fulfilment of obligations and reduces risks for both parties to the deal
Risk mitigation
Full protection of the seller against non-payment and a guarantee of the buyer's solvency
Flexible terms
Deal parameters are tailored to your business needs and specifics
Leasing for business
What is leasing
Leasing is a special type of financial lease in which one party, on the instruction of another party (the lessee), purchases property from a third party and provides it to the lessee for possession and use for a fee on the terms set by the contract
Direct leasing
The bank buys the property from the supplier and transfers it to your company for use
Leaseback
You sell your property to the bank and continue to use it under leasing terms
Microleasing
Provided for carrying out business activities
Direct leasing
The bank buys the property from the supplier and transfers it to your company for use
Leaseback
You sell your property to the bank and continue to use it under leasing terms
Microleasing
Provided for carrying out business activities
Equipment and machinery
Machines, production lines and other equipment for business
Transport
Cars, trucks and special machinery
Real estate
Buildings, structures and commercial premises
Business property
Integrated property complexes for company development
Factoring: get paid without waiting
What is factoring
Financing against the assignment of unpaid invoices — the bank pays for the delivery without waiting for the buyer's payment
Classic factoring
Financing with recourse to the supplier
Reverse factoring
Non-recourse financing focused on the buyer
Export factoring
Financing supplies to foreign partners with recourse
Classic factoring
Financing with recourse to the supplier
Reverse factoring
Non-recourse financing focused on the buyer
Export factoring
Financing supplies to foreign partners with recourse
Quick access to funds
No need to wait for the buyer's payment — funds arrive right after delivery
Reducing cash gaps
Maintaining the company's stable cash flow
Flexible terms
An individual approach to every client and deal
Additional protection
The ability to work with different recourse and risk-sharing models
How to get financing
Consultation
Speak with a specialist at your nearest branch
Document collection
Submit the full set of documents and application
Application review
Wait for your application to be reviewed and a decision made
Financing
Sign a factoring agreement and start receiving financing
Consultation
Speak with a specialist at your nearest branch
Document collection
Submit the full set of documents and application
Application review
Wait for your application to be reviewed and a decision made
Financing
Sign a factoring agreement and start receiving financing
