The financial support of district entrepreneurs, including the provision of microloans, is provided by the Entrepreneurship Support and Guarantee Fund of the NAO. To date, for representatives of small and medium-sized businesses, the Fund has presented 8 types of microloans on concessional terms.

Types of loans differ in their intended use. So, for example, “Northern Delivery” is focused on the supply of goods to the towns of the district, “Start” - for start-up businesses, “Business Invest” - for investment purposes, “Rural” - for farmers, etc.

- The maximum size of the only unsecured loan “On Trust” is 300 thousand rubles. The remaining types of microloans provide for the provision of amounts from 100 thousand to 5 million rubles, to obtain them you must have collateral. You can use at least every type of microloan, but their total amount should not exceed five million. At the same time, lending conditions compare favorably with bank ones, ”says Olga Sukhikh, director of the Fund for Supporting Entrepreneurship and Guaranteeing NAO.

In addition to issuing microloans to small and medium-sized businesses, a bank loan guarantee can also be provided in case of insufficient collateral.

- If the entrepreneur does not have enough collateral for the required loan amount, we can issue a guarantee, which is equivalent to collateral. Today, the maximum guarantee amount is 3 million rubles, but not more than 70% of the loan amount. We guarantee loans for up to 15 years and are responsible for the borrower, ”explains Olga Sukhikh.

The remuneration of the Fund for the provision of a guarantee is 1.5% per annum of the total amount of the guarantee and 1% for priority areas, such as fishing, manufacturing and construction.

To obtain a guarantee, an entrepreneur must fill out an application at the bank. Further interaction takes place between the employee of the bank and the Fund, since the issue is considered according to the package of documents that was submitted by the borrower to the bank for processing the loan.