MICRO Credit
of 10,000 to 500,000 RUR

for private entrepreneurs and legal entities

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7 advantages of MICRO Credit:

• wide choice of collateral
• no collateral insurance required
• grace for payment at your choice: at the beginning, in the middle or at the end of the repayment schedule
• credit discounts if you’ve been our customer for more than 2 years
• personal manager - from the first day of working with the bank
• fast credit decisions
• possibility of obtaining a second credit simultaneously

Credit Targets	Example
replenishment of current assets	purchase of goods, renewal of assortment, extension of traded commodity lists, expansion of sales premises, etc.
provision of funding for operating expenses	lease payments, salaries, purchase of petroleum, oil and lubricants, etc.
purchase of property assets	shop and refrigerating equipment, transport, mini-markets, office equipment, etc.

Credit Terms
Crediting period	2 to 24 months
Credit request review time	2 days
Credit amount	10,000 - 500,000 RUR
Collateral	stock of merchandise, car, equipment, guarantee (of individuals, legal entities, group*)
Credit repayment	Monthly by decreasing installments
Credit currency	Russian Roubles

*If you have no property to pledge you may form a group of entrepreneurs (or become a memeber of a group already formed) and obtain a credit from FORUS Bank, acting as sureties for each other. Such a group normally comprises 3 to 9 entrepreneurs.

We may grant you a credit provided that:

• you are able to repay it
• you’ve been involved in business for 3 months
• your product (service) has been a hot market
• you have no debts outstanding (to other banks, foundations, state, etc.).