Sobinbank signed the first contract for the financing of companies from the sector of small and medium-sized businesses at the time of its opening. This writes the newspaper «Kommersant». Credit for 5 million Rubles issued by the company to work for franchised salon network «person». The maximum amount by which the projects are ready to lend to start-up in Sobinbank is 10 million rubles., The maximum term of the loan - three years. In doing so, up to 25% of the total loan amount the bank is willing to extradite without bail. The cost of mortgage credit will vary from 12% to 16% per annum in rubles depending on the type of mortgage, credit bezzalogovy cost borrowers in the 17-19% APR. By the end of next year, the bank hopes to issue a start-up loans totaling $ 50 million, while total loan portfolio for small and medium-sized businesses - $ 200 million
So far the project start-up Russian banks are not funded. The main players in the market of crediting small and medium business market participants called KMB-Bank, VTB, the bank «Trust», MDM Bank, Bank «Uralsib», «Renaissance». To obtain a loan in the bank for small and medium-sized businesses need to work out on the market at least six months. In KMB-Bank has noted that for individual borrowers are prepared to shorten this period of «a couple of months». In National Bank «Trust» told that they are willing to lend without collateral to the company's three-month history of entrepreneurial activity. The main reason for the lack of start-up loan bankers called the high risks of working with companies that do not have yet the official reporting of profits and collateral.
Sobinbank to share those risks with other participants of small and medium-sized businesses. The main condition for obtaining start-up loan of Sobinbank is the work of the company according to the official franchise. «Thus, we share risks with the franchise owners - said the first vice-chairman Alex Sobinbank Gonus .- This is the most secure version of start-up loans. In assessing a borrower, we are looking not only to its owners, but also appreciate the franchise itself and the region of the company ».
