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.
Loan approval conditions
To take out a business loan in 2024, you must meet certain requirements. The list may vary depending on the specific program and bank. Approval can be obtained subject to several conditions:
Mutuatario
Registered at least three months ago
Conducting actual break-even activities for at least 6-18 months
The activity belongs to the segment of small and medium-sized businesses, which is confirmed by the amount of annual revenue (in accordance with the lender’s regulations)
The activity is legal, license and permit (if required)
Positive credit history
Liquid collateral or reliable guarantor (if specified in the program terms or upon request)
Availability of necessary documents, including financial statements
Carrying out settlements on a bank account for at least 3-6 months
Categories of clients who will be able to take advantage of the bank’s offer:
- Legal entities conducting commercial activities (LLC, JSC, partnership, production cooperative), except for credit organizations
- IP
- Persons who are engaged in private practice (notaries, lawyers, private detectives, doctors, appraisers, patent attorneys, arbitration managers)
- Owners of legal entities and individual entrepreneurs with a share of at least 25-50%, receiving income from the company’s activities
- The conditions are designed for small and medium-sized businesses; large corporate clients are most often credited on an individual basis.
For what purposes are business loans issued?
- Replenishment of working capital, for example, purchase of raw materials (current)
- Covering current expenses, for example, paying salaries to employees (universal)
- Participation in a tender, for example, opening an application in a competition (tender or contract)
- Various urgent needs, for example, payment of utilities (express loan)
- Acquisition of large assets – real estate, equipment, transport, machinery (investment)
- Liquidation of cash gaps (overdraft)
- Repayment of debts from other banks (refinancing)
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