Small Business Finance

SDM-Bank strongly supports Small Business development. We welcome our Small Business Clients to use the entire set of Commercial Banking Services that we offer.

We are focused on delivering fast and efficient services to our Small Businesses because we understand that time –is-of the essence for a successful Small Business operation.

We have a streamlined fast and efficient credit application process.

We strive to make a preliminary Small Business credit decision within 1-2 days after an initial discussion and preliminary set of information.

We strive to make a final Small Business credit decision within 5 days after receiving all final corporate documents and a comprehensive credit analysis.

Our Small Business credit products are individually tailored to the specific needs of the business and the specific application’s credit quality.

Our credit limit for on-going business operation is up to 10,000,000 Ruble.

Our credit limit for a new expansion/business investment is 15,000,000 Ruble.

As we consider a new credit application, the following data is very important for the transaction structure: 

• Business’s Financial Resources
• Owner’s Financial resources
• Credit History (if available)
• Business Cash Flow Analysis
• Business Transparency
• Accounts Quality
• Funding Sources for Interest and Principal Repayment
• Credit servicing plan
  
  

SDM-Bank does not provide credit for start-ups.

OUR SMALL BUSINESS CLIENTS HAVE ACCESS TO ALL COMMERCIAL BANKING PRODUCTS

• Overdraft services
• Leasing
• Bank Guarantees
• Investment Credits
• Trade Finance
• Factoring (Receivables Finance)
  
  

Please refer to our Commercial Banking pages for details on the products above.