Information on business crediting
Among bank services, business crediting in Russia is well developed. Today it is difficult to find such commercial bank which would not offer at least two-three products, the businessmen intended for crediting. Not for nothing some financial organizations consider this field of activity of one of the most profitable in the list of the offered credit products.
Modern banks offer businessmen not simply credit products, and the most present programs of extra financing which consider individual requirements and features of each commercial enterprise. However, not very long ago, the majority of commercial banks very scrupulously treated those businessmen who addressed for the credit, their documents sometimes were studied almost under a microscope. Today a situation absolutely other – each bank is glad to see the businessman who wants to take the credit, and the bank can always offer the businessman some credit programs on very favorable conditions. It is necessary to tell that in 2012 the business crediting portfolio in Russia in comparison with last year increased several times. Today, it is necessary to open the corresponding sites on the Internet as it is possible to see at once a set of credit programs for all tastes. By the way, it and is convenient – the credit is necessary to you, looked at the relevant information on the Internet, at the same time can to find also another something that it is necessary for you at present, for example, if the nurse on giving is urgently necessary to you, you without effort will find it in the Internet.
Achievement of successes in business crediting became possible, thanks to that banks constantly expand offers in the business crediting sphere, attentively considering features of legal entities. So, today the overdraft more often is offered to trading companies. Such way of crediting does not provide pledge that is very convenient option for trade organizations. Those businessmen who are occupied in production, use lines of credit under 24-25 annual interest rates more often.
As to such factors as the sizes and terms of financing of business, here a lot of things depends on its scales. Big business uses long-term credit programs more often, and short-term tasks are financed by overdrafts.