La società di microcredito FinaGuru eroga prestiti online a breve e lungo termine a persone fisiche. L'organizzazione non dispone di una rete di filiali, ma opera a distanza via Internet.
Creditnice è una società di microfinanza attiva dal 2013. È specializzata in prestiti con elaborazione online, anche per pagare gli acquisti presso i partner; emette anche carte di credito virtuali e fornisce linee di credito.
Features of loans without collateral for legal entities and individual entrepreneurs
An unsecured loan in 2024 is relevant at the start of a business, that is, if the funds are used as the main investment to organize a business from scratch, and also if an LLC or individual entrepreneur needs a small amount for development. You can obtain financing without collateral or guarantors in the amount of several million rubles for a period of 3-5 years. Funds are issued for any commercial purpose.
A distinctive feature of a business loan without collateral is the quick processing of the application and a minimum package of documents. In most cases, it is enough to confirm the account turnover for the last year. This allows you to urgently solve a financial problem, for example, pay for the delivery of goods. You can submit an application and receive money into your current account if approved online, without visiting the bank.
Conditions for issuing a loan without collateral for individual entrepreneurs and LLCs
The loan is provided for 6-60 months with an interest rate of 12 to 20% per annum. The amount depends on the company’s turnover on the current account. The presence of additional commission depends on the program.
The money is credited to the current account of a legal entity or individual entrepreneur opened with a bank. Cash payments are not accepted. Thus, often an important condition for lending is opening an account.
The debt must be repaid in monthly annuity payments. Early repayment of debt is possible without restrictions. Some banks require a guarantee from individuals who are business owners, especially for LLCs or individual entrepreneurs just starting out.
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