Public procurement - a tasty morsel for any company.Who does not want to get a good income without much risk?However, the right to such an order is granted only to participants of tenders or auctions, participation in which requires the introduction of 0.5-5% of the maximum initial value of the lot, though necessarily in cash, in accordance with applicable law.
course, small and medium enterprises to provide to withdraw a significant amount of turnover of up to 3 months is almost impossible: it has brought huge losses to the business.That is why banks and credit organizations have developed a special product - credit for the tender maintenance of the application.
What problems can solve this form of loan?
- Money does not come from the turnover, the company is working normally.
- If you need to take part in several tenders, lending help to introduce security in each of the cases.
- To obtain the tender does not need credit or surety bail.The package of documents is small enough financial reporting during this period in a financial institution, the documents to the property, the completed questionnaire and data about the tender.This helps speed up the process of registration.
- Even if for some reason have to hold money for a week or two, it is possible to agree on a small (but paid) deferral.
Difficulties using tender loan
But can we consider a similar form of credit-one solution to the problems?Do not forget that on the registration of the credit must be from 1 st to 3 weeks.During this time, and you can miss the start of the competition.
Another important aspect that you need to pay attention to interest rates began this type of loan.On average, the Russian official rate is 20%.In fact, bet you will learn only if disclosure of the required size of the credit and the exact term for which you need them.In other words, get ready for a significant amount of interest that will have to pay.
If for any reason the contest will be delayed for a few days, will have to pay additional interest, usually serious.At least this issue should be stipulated in the contract immediately upon registration of the document, to know exactly what their actions in an irregular situation.
Participation in competitions helps to achieve a certain status, creates advertising company enriches its customer base and brings a good income.However, you should carefully weigh its actions in each case, taking into account all the circumstances.Getting a loan for the tender maintenance of the application, the customer receives a number of obligations that must be accurately and on time to fulfill.
