- at least a year of official business activity;
- absence of any debts (in banks, to partners, buyers or budget funds);
- positive credit history;
- experience in bidding.
Assistance in obtaining a tender loan
Despite the fairly simple system for obtaining such a loan, any mistake made in the questionnaire or reporting may affect the decision of the bank. In order to prevent refusal, it is better to enlist help in obtaining a tender loan from the Finardi brokerage company.
- intermediary services are free, since brokers receive remuneration from the creditor, not the client;
- possibility to issue a tender loan without collateral;
- the term for consideration of the application by the bank is reduced to 1-2 days;
- an electronic document flow has been established, excluding travel and meetings.
At the same time, having received a tender loan for the execution of a contract in Moscow, the client has a unique opportunity to develop business, fulfill large orders and recoup all costs by increasing the turnover of his company several times.
Types of tender loan
Today, it is possible to issue a tender loan of three main types: for the execution of a state order, under an act of work performed, provided for in the contract, to secure an application for participation in an auction. In the first case, the bank issues the amount to the participant who is already a winner and needs funds to partially pay for the contract in order to start fulfilling his obligations. This loan can be a one-time loan or a revolving line of credit. The second type of lending is popular in the construction industry, where remittance provided under the act of certified works before the contractor receives payment for the work performed. Obtaining a tender loan to secure an application is the easiest and can be done remotely. This type is relevant for a limited time before the start of the tender.
Tender loan urgently
Provided that the organization of the process will be handled by a company with experienced and highly qualified specialists, the tender loan in Moscow will be approved as soon as possible. short time. Finardi will select the optimal form of lending, offer a list of profitable programs of partner banks, check the compliance with all required documentation, and also assist in obtaining the most loyal conditions. A well-composed application for a tender loan will allow, within a few days, to receive a money transfer to the client's account.
In accordance with the current legislation, a company that takes part in a bidding or auction must reserve up to 5% on the account of the state customer, calculated from the initial price per lot. And for those organizations that are not interested in diverting funds from circulation for such purposes, there is an opportunity to take a tender loan. Therefore, in this article we will tell you in detail about where and how to get a tender loan in order to secure a tender.
Hand holding a symbol of material growth
In our time, competitions, auctions and tenders for the placement of government orders are becoming more and more popular. And the tender credit is designed to secure a tender for participation in one or several of them at once.
Tender loan - what is it?
A tender loan to secure a tender application is one of the banking products that has a unique ability to secure an application for participation in an auction or bidding, in which there is no need to withdraw own funds from circulation. The amount for which the tender credit will be issued to secure the tender does not exceed 5% of the contract value.
For this type of loan, there is an alternative option - a bank tender guarantee. Its essence is a guarantee of ensuring the fulfillment of its obligations by the winner of the auction regarding the signing of an agreement with the customer. Its cost, like the cost of a tender loan, is 5%. Both the tender credit and the guarantee are limited to a period of validity, which, as a closing date, provides for the signing of a contract by the parties or the issuance of bank guarantee, which will enforce the contract if the tender is won by the bidder.
What is the tender loan for?
Currently under the law modern economy In our country, for many companies, the state order is becoming an increasingly relevant and stable source of income. The number of firms that reveal a desire to participate in auctions or tenders to place such orders is increasing every year. But not every organization can afford to issue a tender loan. This is explained by the fact that the amount necessary to secure an application for participation may be absent or slow down the company's activities and production as a whole, if it is withdrawn from circulation. At the same time, the funds that are necessary for security are subject to mandatory reservation during the tender on the account of the customer. As a rule, it takes from 1 to 2 months.
For such cases, a tender credit is provided. Other advantages of a loan intended to secure a tender include the ability to take part in several bids and auctions at the same time, as well as to become a participant in large tenders that provide, in case of victory, a large number of investments aimed at the production of the organization.
Signing of tender loan documents
Tender loan: where and how can I get it?
Where else can you get a tender loan, if not in a bank, many will think when mentioning this type of loan. But such an institution is not the only one that handles the documentation of tender loans.
Tender loan upon receipt at the bank
Of course, you can always apply to the bank to obtain a tender loan to secure the tender. However, we should not forget that obtaining a loan in such an institution involves many formalities for registration, which will take quite a lot of time. For example: the questionnaires necessary for obtaining a loan are subject to filling out, you will also need to provide a certain package of documents (its composition is similar to that provided when applying for a regular loan) and pay a commission to the bank. Also, when applying for a tender loan, it can be:
- opening a bank account;
- financial reporting;
- provision of collateral or security.
In a nutshell, financial statements are:
- availability of fixed assets;
- no debt
- no loss;
- the presence of net positive assets;
- average revenue (a necessary item to help determine the ability to repay the loan).
Individually, the bank negotiates other conditions regarding the execution of a tender loan in the bank in order to secure the tender. These include the amount of money, the term of issue, etc.
Tender credit upon receipt at a brokerage company
Often, the terms set by the customer for the provision of collateral are quite short. And when applying to the bank for a tender loan, in most cases it is not possible to deposit the required amount on time.
At the moment, there are and are successfully developing, carrying out their activities, special operating companies that are engaged in the design of tender loans, "simplifying" to the full extent for companies to participate in the auction. By contacting such an organization with a broker, you can apply for a tender loan:
- without opening a bank account;
- without providing security or collateral;
- in a shorter time frame;
- with a simplified package of necessary documents.
Below is a video about the details and intricacies of obtaining a tender loan from brokers
:
Firms-operators involved in issuing loans to secure tenders interact quite closely with banks. This factor allows such firms to carry out their activities much faster and at the same time use an integrated approach to each client. Such organizations help to obtain a tender loan faster and using a simplified system.
The broker provides its services in obtaining a tender loan free of charge, as it receives its remuneration from credit organizations who are their partners.
Evgeny Malyar
bsadsensedynamick
#
Business loans
Terms and conditions for entrepreneurs
One of the first tenders on the territory of the Russian Federation was held in 1654 under Tsar Alexei Mikhailovich. His decree on the contract price for the delivery of flour and crackers to Smolensk has survived to this day.
Article navigation
- What is a tender loan
- Loan or credit
- Loan from microfinance organizations
- How to apply for a loan in the MFI
- Differences between a tender loan and a bank guarantee
- How to get a tender loan
- Conditions for the provision of a tender loan
- Where to get a tender loan or loan
- conclusions
State order or contract is the goal of many companies. You can get it by winning an auction, also called a tender. But there is one limiting point - necessary condition to participate in such a tender is to deposit a security in the amount of up to five percent of the amount of the proposed contract.
The task becomes more complicated if the enterprise applies for several state orders or contracts. Often without use borrowed money difficult or impossible to manage. Lending for the amount of the security deposit is called tender. An article on how to get it, where it is issued and under what conditions.
What is a tender loan
The product is unique in that not all businessmen even know what it is and what this banking product is for. If the company does not fulfill government orders and does not participate in tenders, then the issue is removed by itself.
the federal law 94-FZ indicates that enterprises whose participation in tenders was unsuccessful receive a refund of the deposited security within five days after the end of the auction. The receipt of these funds to the current account is not income - it, according to tax code Russian Federation, refers to deposits and does not entail fiscal obligations (Article 41 of the Tax Code of the Russian Federation).
This means that in most cases it is about relatively a small amount(compared to the contract price), which is withdrawn from circulation for a short period (the period from the submission of the application to the end of the auction plus 5 days). The task of the security deposit is to confirm the actual financial stability participating enterprise. In other words, the firm must demonstrate its solvency.
In practice, however, the company may not have this amount at the moment, or its withdrawal is critical, especially if the business is small or medium. There is only one thing left - to borrow funds for the tender. It should be recognized that the risks this case minimal.
Based on the above circumstances, it is possible to derive indicative conditions for tender borrowing:
- term - up to three months, most often with repayment within a few days after the end of the auction;
- rate - from 17 to 20% of the annual accounting.
Loan or credit
These concepts seem to be synonymous, but they are not fully so.
A tender loan is a loan security for participation in a tender received from a bank licensed by the Central Bank of the Russian Federation. Therefore, for its execution, it is necessary to go through the entire procedure, including filing an application, providing a pledge or guarantee, collecting a package of documents, etc. It will take up to three weeks to complete the formalities, and a positive decision is not always guaranteed.
Tender loans are issued by microfinance organizations (MFIs) and investment funds. The process is greatly simplified and usually takes up to three days. Pledge, guarantee and, important for the bank, MFIs are not required. For such loyalty, customers pay more than with conventional lending.
Loan from microfinance organizations
If borrowing "live" Money can be produced by any financial institution (for a loan - a bank, for a loan - an IFI), then there are strict restrictions on the bank tender guarantee. Already from the name itself it is clear that only a bank can provide it, but not any, but that meets the following requirements:
- with a capitalization of 1 billion rubles or more;
- with a license for the type of activity "issuance of guarantees";
- operating for over five years.
Fundamentals of the Bank Tender Guarantee:
- The principle of irrevocability. If a guarantee is issued, then it is valid in any case provided for by the contract.
- The principle of non-transferability. The beneficiary always remains the same.
- The principle of specificity. The effect of the guarantee extends to securing participation in one single obligation.
- The principle of independence. The principal is obliged to fulfill his obligations in any situation, with the exception of force majeure circumstances (force majeure).
The disadvantages of a bank tender guarantee compared to a loan are:
- relatively long processing times;
- high requirements for a credited company;
- extended package of documents.
The consequences of a bank guarantee in case of non-fulfillment by the contractor of the obligations assumed under the terms of the contract are expressed by the following sequence of events:
- the guarantor bank covers the financial losses of the beneficiary (customer);
- the guarantor goes to court with a claim to recover the amount of loss from the principal (executor).
How to get a tender loan
Knowing what a tender loan is and its differences from a loan, it should be understood that the very concept of a tender in Russian legislation missing. Thus, in the legal aspect, we are talking about targeted lending, which is subject to normal banking practice.
You can draw up a loan agreement by performing the following sequence of actions:
- Selection of the most acceptable conditions from the current offers of banks offering targeted lending.
- Formulation and submission of an application.
- Collection and submission to the bank of all required documentation about the credited enterprise.
- Obtaining approval of the application.
- In case of success of the previous points - receipt of funds and payment by them of the invoice issued by the organizer of the tender.
Conditions for the provision of a tender loan
Tender loans, like any other, banks seek to secure against default. A deposit may be required, but not always. Firms that have proven themselves with a previous good credit history can avoid the need for material security.
The package of documents complies with the usual requirements of the bank for lending.
Where to get a tender loan or loan
Loans can be obtained from the following companies:
| Credit institution | Conditions of the tender loan (commission, RUB, annual rate %) | Processing time, days | Periodlending | Amount, rub. |
| Promsvyazbank | individually | 2 | individually | Up to 150 million |
| Lokobank | From 1% + commission | 1 | Up to 12 months | Up to 15 million |
| Veles Tender | From 3.3% of the loan amount | 1 | individually | Up to 3 million |
| adept | Commission 4.5% not less than 14 thousand rubles. | 1 | At the time of the auction | From 100 thousand to 1 million |
| RIM Corporation | 13% + commission 4% | 1 | Up to 2 months | Up to 3 million |
Offers of banks on tender loans and guarantees vary. An example is Sberbank, which offers two programs.
If you need an application for a tender loan to be considered in a short time, please contact MCC "ZELO". We are ready to help in obtaining a loan (credit) to secure applications for participation in bids and auctions. Take a smart tactical step that will allow you to actively participate in public procurement and conclude profitable contracts in the future.
Why do you need a tender loan
The obligation of organizations participating in tenders for concluding contracts with state customers is to provide security for the application. The amount, in accordance with the provisions of the current legislation, is up to 5% of the starting price. At first glance, 5% is an insignificant cost. However, please note that the financial security is non-refundable. In addition, there is a risk that another organization will become the winner of the bidding. If a company - a medium or small business - actively participates in such auctions, the total amount of security in this case can be quite large. To take a tender loan (credit) in this situation means to make sure: you do not withdraw money from the business turnover, and in case of winning, the attracted funds pay off.
What do you need to get a loan
To receive a tender loan, you need to provide a minimum of information in the form of the following package of documents:
- loan applications;
- data balance sheet and income statement for the last 5 reporting periods;
- copies of constituent documents;
- history of fulfilled obligations under government contracts (in the form of a list);
- indication of the account of the electronic platform to which funds must be transferred.
How to get a tender loan (loan)
In order to receive a tender loan (credit) to the MCC "ZELO" you can simply send an application and documents to electronic means communication and document management. No need to come to our office and waste time, no need to open an account with a creditor bank.
Terms of Service
The loan is provided under the following standard conditions:
- the amount of borrowed funds can range from 50,000 to 50,000,000 rubles;
- when granting a loan, a one-time commission is charged in the amount of 3% of the loan amount;
- the period for granting a tender credit can be from 30 days. If the loan amount does not exceed the amount of the bid security for participation in a specific auction, then the loan is granted for a period not exceeding 60 days;
- for regular customers there is a system of discounts and individual calculation of interest.
You will receive a decision on granting financial support no later than 3 hours after applying. With a positive decision, money transfer is possible on the same day. Obtaining a tender loan will give you the opportunity to participate in several auctions simultaneously without diverting funds from your own turnover. Fill out an application for a call back and find out how much a tender loan costs.