Loans for working capital

Working capital

For production, trade and service enterprises with a constant cash flow:

The loan amount is - Up to 50% of the account turnover (the latest annual report of the company)

Loan term is-up to 12 months

Interest rate (annual): up to base rate* + 6.0%

 

Securing a loan:

  • Security deposit
  • Sale of movable and immovable property
  • Third-party guarantee
  • Insurance policy
  • Other types of security under the law.

Documents to be submitted:

  • Statement
  • Business plan
  • Financial statements
  • Constituent documents
  • Decision on the consent of the founders to receive a loan and provide security
  • Other necessary documents.

Delivery documentation:

If there is a deposit:

  • Property Valuation Report
  • Cadastral documents, technical passport and / or technical supervision
  • Minutes of the founders ' meeting on the consent to the provision of collateral

If a third-party act as a guarantor:

  • The balance sheet of the guarantor company and its appendices
  • Auditor's Report
  • Minutes of the founders ' meeting on the consent to issue a pledge
  • Foundation documents (certificate, charter, foundation agreement)

For insurance purposes:

  • Insurance contract and policy

 

* The base rate is set monthly by the Liquidity management Committee of Aloqabank. Base rate for January 2021 = 19.5%

01-01-2016

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