Lending to large businesses

Lending to large businesses
Banks offer loans not only big business, but also full support its financial operations. Taking into account the total amount of funds that pass through large enterprises understand the desire to build long-term partnerships on mutually beneficial terms. The leaders of big business can count on an individual approach and loyalty to the extended requirements.



Features large business lending

Serious business requires an appropriate approach. In large businesses involved large amounts of money, so when talking about loans it is clearly not about one thousand rubles. Banks are trying to carefully check the reputation of the company before making a decision on granting a loan.

Lending to big business can be both mortgage and unsecured. Express loans issued in the amount of 300 thousand rubles for a day or two, do not require collateral. Long-term design and preparation of contracts of pledge of property increases the credit limit several times. The border line of the loan much depends on the financial capacity of the bank, the degree of calculated risk and collateral on the part of big business.

The loan may include the following types of collateral:

goods in circulation;
securities;
deposits;
equipment;
machinery and transport;
real estate;
another option liquid assets.


The advantages of big business lending:

Temporary solution to financial problems.
Shortfall of working capital or cash shortages.
Funding for the new project.
Renewal of fixed assets.


Disadvantages of a loan from the bank:

The presence of various fees.
High interest rate.
The need to collect a large package of documents for the loan.
Admission to the secrets of credit expert control, which increases the risk of leakage of valuable information to competitors.
The requirement for a guarantee.
Value of the collateral must exceed 20-50% of the loan amount.


Loans for big business in Russia

Currently, owners of large companies carefully weigh the "pros" and "cons" of attracting credit funds. Debt financing can be justified only by a margin of more than 20% of business. Often only the commission for granting the loan is 1-2%, and the costs of organization is taken into account the annual interest rate (at the level of 20% to 30%).

Lending to big business is calculated for a period of 1 year to 7 years. Suffice 2-15 days to review the application and make a final decision on granting a loan. Credit Commission sets the interest rate and the amount of the loan, based on the data prepared and ensuring the financial viability of the borrower. The higher the risk of default funds, the higher the interest rate and lower loan amount.