What are the options of obtaining loan funds are available today, "small" and "average" companies: – Loans for current operations – investment loans – commercial mortgage – special forms of credit (leasing, factoring, letters of credit). Investment credits taken for new projects, with the aim of substantially capacity expansion or development of a new direction of the company. Current yield of the enterprise is not significant, but the investment project owner must invest at least 30% equity. Investment loans provided by banks for up to 10 years and that is particularly attractive to them may be granted a deferral of principal repayment. Loans to the current activities are taken to replenish the working capital or purchase of movable property (machinery and equipment).
Loans for current operations are provided in the traditional way: a line of credit or overdraft on current account. The maximum term of such loans is limited to three years. Entrepreneurs seeking to banks for such loans, it should be noted that the monthly loan payment should be be no more than half of the company's net profit. As security for the current loans may make a pledge and guarantee of third parties (both physical and legal). The pledge can be submitted: – movable and Real estate companies – goods in circulation and securities. In addition, as collateral may be a property of other businesses and individuals. The main problem of collateral at the moment is that it assessment of the bank. For most banks the coefficient estimates range from 0,4 to 0,8.