Warranty support

1.Warranty support

The activities of the regional guarantee center (RSC) are aimed at providing guarantees to ensure the obligations of small and medium-sized enterprises (SMEs), as well as individuals applying the special tax regime "Professional Income Tax" (self-employed), to financial organizations (credit organizations, leasing companies, microfinance and other organizations that finance SMEs and the self-employed).
Surety is a form of guarantee support provided in the form of securing the fulfillment of obligations of small business enterprises/the self–employed, based on credit agreements, loan agreements, financial lease agreements, and bank guarantee agreements concluded with financial organizations that are partners of the RSC.


What needs to be done to obtain a guarantee:

1. Apply for borrowed funds to a financial institution that is a partner of the RSC;
2. The financial institution will review the application and, if the decision is positive, send the necessary documents to the RSC;
3. The RSC will review the application for a guarantee and provide a solution.;
4. Conclude a tripartite guarantee agreement and pay the remuneration to the RSC for the guarantee provided.

 

2. Terms of the guarantee

The following indicators for the provision of guarantees have been set for the first quarter of 2026:
1. The maximum amount of a one–time guarantee is no more than 15 million rubles.;
2. The guarantee limit per MSP/self–employed/group of related companies is no more than 15 million rubles (under all guarantee agreements);
3. The maximum amount of surety provided is not more than 70% of the financing amount.;
4. The maximum term for granting a guarantee is no more than 5 years. When financing a small business/self-employed person for purposes related to the acquisition of fixed assets (equipment, transport, real estate, etc.), which are secured by a pledge of real estate in the amount of at least 30% of the amount of obligations of the small business/self-employed person, the maximum term of the guarantee of the RCC is 7 years. At the same time, the amount of the guarantee provided should not exceed 50% of the financing amount.
Subject to the completeness of the documents specified in the Surety Policy and the submission to the RSC before 11:00 a.m. local time of the MSP/self-employed's application for surety, the time limits for consideration are:
1. For an application for which the amount of the guarantee does not exceed 5 million rubles – 3 business days;
2. For an application for which the amount of the guarantee is from 5 million rubles (inclusive) – 5 working days.

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