What is lending to legal entities?
Sources of additional funding, to whichincludes loans to legal entities, it is difficult to overestimate. And not only in crisis periods. Sooner or later, any company or organization may need additional financial injections.And here it is important not only to find ways to obtain them. The main thing you need to strive for is a real benefit from the funds raised. If the management of the borrowing company chooses the right strategy of action, then the loan will be considered a liability only formally.
Currently, lending to legal entities in theSberbank (as in any other financial institution) can be implemented in two versions: either it is a one-time provision of the required amount, or - a credit line. The essence of the latter is that the total amount of borrowed funds is not spent immediately, but gradually. Depending on how the balance is formed on it, the line can be renewable and non-renewable.
In some cases, lending to legal entitiescommercial banks implies the issuance of so-called sectoral loans. Here it is a matter of changing the conditions for issuing funds depending on the sphere in which the borrower operates.
In addition, one can not help remembering such a service(quite popular), as an overdraft. It is a credit limit of urgent type, which an enterprise or organization can use at any time.
Features of the procedure for obtaining
Of course, lending to legal entities has its own characteristics and is carried out in a certain order. If there is a need for money, then the company must perform specific actions.
First, you need to provide a lot ofall kinds of papers. Most often, they include title documents, a borrower's questionnaire, financial statements for the period indicated by the creditor, as well as a request for a certain amount of money.
Secondly, lending to legal entities implies drawing up a business plan that covers the entire period of using funds that are borrowed.A clear and thought out strategy is a guaranteeThe fact that the loan will be issued on favorable terms. In addition, the trust between the parties to the transaction will increase. And this is a very important point for building further relations.
Thirdly, you need to be able to offerproviding for its obligations, which would satisfy the financial institution. As a pledge, fixed assets, movable (transport) or immovable property objects can act. The main thing is that they are not unexpectedly claimed by their third parties.
Strictly speaking, lending to legal entitiesoccurs according to the usual scheme. The submitted documents are considered by the Credit Committee, which makes a decision on the appropriateness of issuing / not issuing a loan. It also initiates its provision on preferential terms, if the applicant is, or can be, referred to the category of VIP clients.