A specialised loan product for retailers, except for motor vehicle and motorcycle dealers, OKVED (All-Russian Classifier of Economic Activities) codes: subclasses 52.1-52.6.

Loan Period:

  • from 1.5 to 3 years.

Loan Currency:

  • RUB, USD, EUR.


  • A simplified procedure for reviewing the application (shortened period of reviewing the application without the need to submit a business plan);
  • The amount of borrowed funds may reach 60% of the revenue over the last four quarters;
  • Reliable borrowers can benefit from unsecured lending.

For what:

  • Borrowed funds can be used not only for the provision of working capital but also for other purposes, including the refinancing of loans received by enterprises from commercial banks.


  • Three years' experience in the market;
  • Positive credit history;
  • DEBT/EBITDA ratio of no more than five.