The financial support of district entrepreneurs, including the provision of microloans, is engaged In the Fund for business support and guarantees of the NAO. To date, for small and medium-sized businesses, the Fund presents 8 types of microloans on preferential terms.

Types of loans differ in intended use. For example, "Northern delivery" is focused on the supply of goods to the settlements of the district, "Start" - for start-up business, "Business invest" - for investment purposes, "Rural" - for farmers, etc.

- The maximum size of a single unsecured loan "on trust" – 300 thousand rubles. The rest species give loans to provide sums from 100 thousands of until 5 million rubles, for their obtain needs have collateral estate. Though you can use every kind of loans, but their total amount should not exceed five million. At the same time, the terms of lending favorably differ from the Bank, - says the Director of the Fund for support of entrepreneurship and guarantees of the NAO Olga Sukhoi.

In addition to the issuance of microloans to small and medium-sized businesses can also be granted a guarantee on Bank loans in the case of insufficient collateral.

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

The remuneration of the Fund for the provision of guarantees 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, the entrepreneur must fill out an application at the Bank. Further interaction takes place between the employee of the Bank and the Fund, as the consideration of the issue is made on the package of documents that was submitted by the borrower to the Bank for the loan.