Overdraft

UniCredit Bank provides loans in the form of the overdraft in order to cover the business expenses in case of the own cash deficit. Overdraft is provided for the accounts in RUR, USD and EUR.

Loan is utilized through:

  • Client payment orders;
  • Payment claims with the exception for the loan agreement claims

in case of the own funds insufficient amount.

Limit and specific terms of the overdraft granted are determined after the financial analysis of the Client and analysis of the average monthly account turnovers. Standard term of the overdraft does not exceed 12 months. Standard overdraft limit usually does not exceed 50% from the average monthly account turnover.

Interest rate may be fixed or floating according to the agreement with the Client. In case of the floating interest rate Client may have advantage in case of the first – rate institutes interest level decrease (LIBOR, EURIBOR, MOSPRIME). Fixed interest rate provides the Client with the opportunity to decrease its dependency from the instable financial markets. Interest rate is charged from the utilization amount.

Overdraft is repaid with the accrued revenues.

Advantages

  • Simplified procedure of the working capital financing: automatic disbursement/repayment without additional agreement from the Bank side.
  • Overdraft is not limited to the narrow purpose and may be used in all directions, connected with the working capital need.
  • Overdrafts to the certain extent may stabilize the CFs of the business, providing excess to the additional cash in case of urgency.

Working capital loan

UniCredit bank offers loans for the working capital financing in rubles or currency depending on the Client’s need.

Loan may be provided as the limit with tranches (revolving line) and limit with the repayment schedule. Revolving line is usually provided in order to cover periodically arising cash gaps while maturity loan is more suitable for the purchase of the separate goods’ set. In particular cases revolving line may include the repayment schedule.

Term of the working capital loan is usually up to 24 months, however may vary depending on the Client’s industry and stage of the economic development.

Interest rate may be fixed or floating according to the agreement with the Client. In case of the floating interest rate the Client may have advantage in case of the first – rate institutes interest level decrease (LIBOR, EURIBOR, MOSPRIME). Fixed interest rate provides the Client with the opportunity to decrease its dependency from the instable financial markets. Interest rate is charged from the utilization amount.

Loan is repaid in accordance with the agreed schedule or in one amount at maturity (bullet repayment).

Particular terms of the loan are determined after the detailed financial analysis of the Client.

Advantages

  • Tranches or one – time disbursement depending on the business needs.
  • Stability of the cash flows in case of the cash gaps.
  • Fixed and floating interest rate option.

Investment loan

UniCredit Bank offers mid – term and long – term loans for the purpose of the investment projects financing and/or modernization of the current production facilities.

Loan may be disbursed in one amount or with tranches during the term of the utilization period.

Interest rate may be fixed or floating according to the agreement with the Client. In case of the floating interest rate the Client may have advantage in case of the first – rate institutes interest level decrease (LIBOR, EURIBOR, MOSPRIME). Fixed interest rate provides the Client with the opportunity to decrease its dependency from the instable financial markets. Interest rate is charged from the utilization amount.

Term of the loan is determined individually depending on the pay- back period. Repayment is subject to the agreed schedule. Schedule anticipates the grace period (usually from the disbursement date up to the date the project is launched).

Standard agreement terms, furthermore, suppose pledge of the financed object.

Classification of the loan as the investment one accounts for the criteria of the repayment with the own Client revenues without the return of the financed project, otherwise the loan is classified as the project one.

Particular terms of the loan are determined after the detailed financial analysis of the Client and the project.

Advantages

  • Tranches or one – time disbursement depending on the schedule of the investment project/terms of the project.
  • Fixed and floating interest rate option.
  • Individual approach to the term of the loan depending on the pay – back period.
  • Individual approach to the loan schedule depending on the business plan.

Structured Finance

UniCredit is a leader in structured finance in Russia, as well as in Central and Eastern Europe. We offer the most optimal financing structure that is in line with international market practices and fits the needs and project requirements of our clients.

You can use our bank's services for the following purposes:

  • investment program financing
  • financing of mergers and acquisitions
  • pre-export financing secured with assignment of export proceeds
  • project and infrastructure financing
  • bridge financing prior to company entry into the debt capital market
  • financing of commercial real estate

To find out more about the terms and conditions you can expect at our bank, contact a UniCredit specialist. We will analyze your project, conduct an evaluation of your project's or company's credit quality and will make you a financing offer.

Mobile Phones

Mobile.UniCredit

Mobile.UniCredit is a mobile application developed specially for mobile devices based on Android and iOS (iPhone) with consideration of all their features to provide you with maximum useful information and functions which are intended to make your communication with UniCredit Bank even more comfortable.

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CONTACT INFORMATION
Phone number
8 800 700 10 20
free of charge on the territory of the Russian Federation

FAX: +7 495 258 72 72
EXCHANGE RATES
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All currency rates
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