The Regional Microfinance Fund, created by the regional government to implement preferential loan lending programs, has reduced the rate under the Antivirus 2021 program. For small and medium-sized businesses, the rate will be 4% per annum. Previously, it was equated to the key rate of the Bank of Russia and increased to 7.5% per annum.
Microfinance programs with state support are implemented within the framework of the national project "Small and medium-sized entrepreneurship and support for individual entrepreneurial initiative".
"Small and medium-sized businesses registered in the region and operating for at least 1 month can receive loans. The provision of loans under this program is not linked to the list of affected industries. The support tool has been implemented since last year as part of the regional anti–crisis package and allows us to support enterprises that need to replenish working capital for current purposes, as well as development," the Omsk Ministry of Economy explains.
The interest rate under the program is 4% per annum. The amount of the microloan is up to 1.5 million rubles, while the number of applications for this product is unlimited, and the financing limit per borrower is 5 million rubles. The maximum loan term is 3 years, and payment of the principal can be deferred for up to 6 months.
According to the terms of the program, no collateral is required.
Consultations on this program can be obtained from the microfinance fund by phone numbers.: +7 (3812) 30-82-81, 30-82-38.
The microfinance program is aimed at minimizing the effects of the pandemic on the economy of enterprises. Since the beginning of 2021, 159 microloans worth 214 million rubles have been issued to entrepreneurs of the Omsk region. The Omsk Microfinance Fund launched the first special Antivirus program in April last year as part of the regional government's anti-crisis plan, which was approved by Governor Alexander Burkov.