Before the end of 2007, the portfolio of loans to small and medium enterprises will be $ 240 million
Alfa-Bank begins to implement long-term loan programs for small and medium-sized businesses. In the first stage, until the end of 2007, "Pilot" project will be implemented in the Moscow region, and in 2008 the program will be launched in the regions of Russia. Currently, the portfolio of loans to small and medium business in Alfa-Bank is $ 100 million until the end of 2007 under the new program is scheduled to issue a loan for another $ 140 million is anticipated that by 2009, the portfolio will grow to $ 600 million
"We believe that small business lending market in Russia is currently in the formative stage and in the next 2 years will be actively growing. This will be the next hit after the bank sales of consumer loans and mortgages. On this interpretation, and statistics: the market lending to small businesses grew in 2006 by more than 90% and amounted to about $ 10 billion is estimated MEDT, the need of small businesses to credit resources is estimated at $ 25-30 billion in the Alfa-Bank work with small and medium business focus and we intend to take a leading position in this market segment. We have all the necessary resources and capabilities ", - noted the director of the development of small and medium-sized businesses Alfa Bank Csaba Zentai.
main difference between the new credit program Alfa-Bank is to introduce streaming technology to work with clients and a special scoring procedure for assessing the borrower. This provides simplicity and rapidity of obtaining credit. A tentative decision to grant the loan shall be made immediately after a visit to the credit manager of the place of business clients. The credit transaction is fully accompanied by a personal manager, which helps the borrower to collect the necessary documents and obtaining a loan.
Terms of lending at Alfa Bank allow customers to choose a comfortable repayment scheme, with the seasonal nature of business, as well as take advantage of delayed payment on the loan. For example, in the case of purchase on credit of industrial equipment postponement provides an opportunity to purchase, install and run the equipment, and then repay the loan. ëÒÏÍÅ ÔÏÇÏ, ÂÁÎË ÇÉÂËÏ ÐÏÄÈÏÄÉÔ Ë ÚÁÌÏÇÏ×ÏÍÕ ÏÂÅÓÐÅÞÅÎÉÀ É ÍÏÖÅÔ ×ÙÄÁ×ÁÔØ ÞÁÓÔÉÞÎÏ ÏÂÅÓÐÅÞÅÎÎÙÅ ËÒÅÄÉÔÙ. As collateral accepted and the goods in circulation, and to acquire non-current assets: vehicles, equipment, real estate.
Alfa Bank provides loans to small and medium business in rubles, U.S. dollars and euros in the form of a single loan, credit line , a bank guarantee or letter of credit outstanding. Maximum loan amount - 78 million, the maximum credit period - 5 years. The size of the effective rates ranging from 11% to 21% per annum, depending on the amount, duration, currency, credit and other factors.
Source:
Kredity.Ru 
