A loan for replenishment of working capital is a financing provided to companies to support their financial activities. With the help of that loan it’s possible to increase production capacity, sales and profit not raising funds of the owners.

The loan might be used for any goals of the company, such as:

• payment of rent
• purchase of goods
• payroll
• everything related to economic activity of the company

TEK-Torg experts support the deal from the beginning till the end collecting the most favorable terms: arranging discounts with partner banks, answering to all questions of banks and credit institutions, helping to collect the necessary documents.

• Revolving credit line. Client has opportunity to use credit limit within its validity period with opportunity for repayment and take out again
• Non-revolving credit line. The client is given a limit with annuity payments within its validity period
• Loan period. Usually period of the loan for replenishment of working capital do not exceed three years. Most often banks publish offers with the period of one year with the possibility of prolonging
• Collateral. Most banks set the limits of unsecured loans, however having collateral in some cases might significantly increase the amount of the loan. Mobile and immobile assets of the company may be used as collateral. Amount of the loan is directly depends on the company’s financial state
• Interest rates. It depends on loaning terms such as period, amount, collateral and company’s turnover. Additional services of the bank might decrease rate
• Repayment schedule. Banks offer agile terms taking into account seasonality of the business and customer needs

• period of company’s work is not less than nine months since applying
• Company is registered in the Russian Federation

Loan arrangement services provided by TEK-Torg are free of charge. All financial transactions are made directly through the bank. Cost of credit arranged through us and directly at the bank is the same.