Loans on individual terms. Loans and bank guarantees Basic overdraft conditions
Loans for business
Revolving loan
Overdraft
You can be sure of timely payments to suppliers if you set a credit limit for your checking account. At any time you can get a short-term loan within your limit.
Individual
conditions
We are always ready to discuss the parameters of the loan and offer special conditions for rates, collateral and repayment schedule, taking into account the specifics of your business
Basic overdraft conditions
"Classic Overdraft" | "Expert Overdraft" | |
---|---|---|
INTEREST RATE | from 11% per annum | from 11% per annum |
CREDIT AMOUNT | Up to 30% of the average monthly turnover for 6 months in the Aleksandrovsky Bank | Up to 20% of the total average monthly turnover for 6 months in other banks |
CREDIT TERM | up to 12 months | up to 6 months |
SECURITY |
pledge of corporate or personal property (for "Overdraft - Classic" - optional) surety of the main business owners and / or third parties with confirmed solvency possible guarantee of funds for support of entrepreneurship (assistance in lending to small businesses) a pledge of a bank bill or a security deposit in a bank. |
|
COMMISSIONS | 0.17% of the limit amount per month | 0.25% of the limit amount per month |
REPAYMENT | Every day in automatic mode due to receipts to the current account of the borrower |
Terms of a revolving loan
Options | Description |
---|---|
PURPOSE OF LOAN | Replenishment of the deficit of working capital for: purchase of inventory payment for inventory procurement of materials or raw materials expanding the range of products fulfillment of the terms of the contract financing costs, etc. |
INTEREST RATE | The interest rate for using a loan depends on the term of the loan and the financial condition of the borrower. |
SECURITY |
real estate movable property surety guarantees property rights |
SUBMISSION FORM | One-time loan Revolving credit line Non-revolving credit line |
We know that all companies have different needs and approach to business. Therefore, for each client we have an individual approach to determining the terms of the loan:
- the size of the rate, depending on the financial condition of the borrower,
- repayment schedule, incl. taking into account the seasonality of the business,
- loan terms,
- types of security, including pledge of movable and immovable property, sureties, guarantees and property rights.
Business credit cards
Corporate cards MasterCard Business are a convenient means of paying for travel, entertainment and business expenses of a company. You can pay with business cards:
Connect the credit limit on the card
Get a card with an available limit of 50,000 rubles. immediately upon opening an account
You have up to 55 days to pay off your debt
Terms of Service
Convenient calculations
With the card, you can make payments in retail outlets and on the Internet - around the clock, 7 days a week, both in Russia and abroad.
Reliable cost control
Simplified reporting scheme for accounting. You can control spending through card statements.
Payment security
No risks associated with receipt, collection and storage of cash. The ability to block the card by calling at any time in case of its loss or theft.
Privilege program
Holders of MasterCard Business cards are provided with all the privileges that are included in the package of services for holders of MasterCard Gold cards.
Bank guarantees
Bank guarantees are a reliable way to protect the interests of both parties to the transaction or tender participants
Customs guarantee
Provides obligations to pay customs duties for foreign trade participants: exporters and importers, owners of temporary storage warehouses, customs carriers, duty free shops, etc.
Guarantee
performance of a contract
Ensures the fulfillment of contractual obligations, including foreign economic export-import transactions
Return guarantee
advance payment
Provides the return of the advance received by the counterparty in the event of default on obligations under the contract.
Tender
guarantee
Compensates the organizer of the tender for the costs if the tenderer withdraws his offer or refuses to sign the contract
How to get a loan and guarantee
Send a request
Cooperation with funds to support small and medium-sized businesses
The bank cooperates with funds to support small and medium-sized businesses, therefore, in order to obtain a loan, clients can provide collateral not only in the form of collateral, but also in the form of a guarantee of one of the funds.
How to get a guarantee from a fund
- Apply for a loan at Aleksandrovsky Bank.
- When agreeing on the terms of lending, the bank will prepare and send to the Fund all the necessary documents for the surety.
- The fund will consider the application in 3 working days.
- After the approval of the surety, a tripartite agreement is signed between the Fund, the bank and the borrower.
The Fund was established by the Decree of the Government of St. Petersburg N 1059 of 28.08.2007 with the participation of the Committee for Economic Development, Industrial Policy and Trade. The formation of the Fund's assets is carried out with the attraction of funds from the budget of St. Petersburg and funds from the federal budget.
The main task of the Fund is to ensure equal access for small and medium-sized businesses to credit and other financial resources. In 2012, the Expert RA Rating Agency assigned a rating of the reliability of the guarantee coverage provided by the Fund at the A ++ level “Exceptionally high level of reliability of the guarantee coverage”. The rating is confirmed annually, the rating forecast is “stable”.
The Fund's surety is provided to small and medium-sized businesses of St. Petersburg on preferential terms - the commission is 0.75% of the surety volume. Read more on the website
Consumer loans at Aleksandrovsky Bank are a simple and convenient way to make your wishes come true, an opportunity to quickly deal with material problems. Taking into account the needs of customers, the Bank offers them more and more new financial products that are optimal for solving economic problems of various levels of complexity.
In order not to be mistaken when choosing a loan, it makes sense to familiarize yourself with the features of the existing programs. The consumer can do this in a comfortable environment by using the specialized Internet service of our portal.
Our advantages
The site contains all the programs that this Aleksandrovsky offers to its clients. A potential client can apply for funds remotely by filling out an online form. The decision on the request will come within one business day.
Visitors to Banki.ru who have filled out an online questionnaire can become participants in partnership promotions, they will be provided with personalized terms of service (for example, a reduced interest rate, various options for cash backs, preferential terms for other banking products).
If you have a question about the design of the product, the procedure for its redemption, the list of documents that need to be collected, use the Internet form "Question-answer".
All offers displayed on this page are the best or profitable exclusively in the opinion of Banki.ru experts.
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To process your personal data in accordance with the requirements of the Federal Law "On Personal Data" No. 152-FZ dated July 27, 2006 (the processing of personal data in accordance with Article 3 of the Federal Law "On Personal Data" means actions (operations) performed using funds automation or without the use of such means with personal data of individuals, including collection, recording, systematization, accumulation, storage, clarification (update, change), extraction, use, transfer (distribution, provision, access), depersonalization, blocking, deletion, destruction personal data) for the purpose of considering an application for the services of PJSC Bank ALEXANDROVSKY (lending, opening an account, issuing a payment card or other services), as well as obtaining information about the products and services of the bank. The personal data I have provided to the Bank includes my last name, first name, patronymic, year, month, date and place of birth, phone number, e-mail address, passport data, registration address at the place of residence;
to receive PJSC Bank ALEXANDROVSKY the necessary information, including the information contained in the main part of the credit history, in one or several Credit History Bureaux in accordance with the Federal Law “On Credit Histories” No. 218-F3 dated 30.12.2004 to check the reliability of the client. This consent is valid for 60 calendar days
I have been informed by the Bank that in order to revoke this Consent, I must (must) appear at the Bank with an identity document and submit an application to an authorized employee of the Bank to revoke this Consent. If I revoke this Consent, the Bank has the right to process my personal data in order to fulfill the functions and obligations assigned to the Bank by the legislation of the Russian Federation in accordance with federal laws and other regulatory legal acts.
I confirm that the information specified in the application is reliable, and the posted personal data belongs to me. I understand that if I provide deliberately false and (or) inaccurate information in order to obtain a loan, I will be liable in accordance with the legislation of the Russian Federation.