Lending Services for Medium Clients (annual turnover from EUR 1 mio to 5 mio)

1: Business-Express – overdraft facility.

• amount – up to 30% of avg. monthly account turnover;
• term - 18 months;
• revolving period - 17 months;
• annual limit extension;
• possibly without collateral.

2: Business-Line – working capital loan.

• revolving line of credit;
• amount – up to 25% of annual turnover;
• different currencies;
• term – up to 24 months;
• revolving period – up to 18 months;
• disbursement to customer’s current account;
• without control of the purpose;
• repayment by equal monthly installments during last 6 months of a loan agreement (as a rule);
• under collateral provided by the borrower or 3d party;
• possible without collateral if the amount up to 7500 BV*.

3: Business-Capital – investment loan.

• for the purchase of new and used fixed assets (real estate, vehicles, construction machinery, equipment etc.);
• for loans in the amounts up to 7500 BV* purpose may not be defined (loan may be used for both – working capital or investments – as the customer prefers);
• amount – up to 80% of the fixed asset price (contract price including VAT, custom fees);
• term – up to 7 years;
• grace period – up to 6 months;
• under collateral provided by the borrower (including financed object) or 3d party.

4. Banking guarantees in favour of customs authorities of the Republic of Belarus for obtaining documentary stamps for imported goods that need excise marking

• for an 18-month term;
• provided on the security a of loan receiver or third parties (unsecured guarantee is possible).

5. Banking guarantee in favour of custom authorities of the Republic of Belarus for delay of customs payments

• for 18-month term;
• is provided on the security of loan receiver or third parties (unsecured guarantee is possible).

6. Tender guarantee

• for an 18-month term;
• provided on the security of a loan receiver or third parties (unsecured guarantee is possible).

7. Guarantee in favour of BAMAP

• aimed at members of BAMAP;
• up to 50,000 US Dollars;
• provided on the security of a loan receiver or third parties (unsecured guarantee is possible).