REAL MONEY FOR REAL GOALS
Any business needs a constant flow of money. Lending entrepreneurship helps to turn it from a murmuring stream into a full -flowing river of capabilities.
Money is the blood of the economy. Their constant circulation supports the health of a complex organism of any business. And a sudden stop of cash flow can introduce any most promising project into “whom”.
In this case, such an unpleasant phenomenon as a lack of finance for the operating activities of the company may arise. For example, for payments to employees or to pay off debt to the counterparty for the delivered service or goods.
In addition to the “feeding” of the business, money also provides its growth. An entrepreneur who expects to develop his project exclusively with funds remaining from operating profit can hardly compete with competitors based on borrowed funds.
Therefore, if your company is aimed at the growth and development of your business, then the loan that we offer is the shortest way to success. Of course, he is a thorny, but he will not allow you to plunge into a “quagmire” of stagnation.
TCС Is this international financial company providing financing to small and medium sized businesses, both for the current business and for startups around the world.
Regardless of where our customers need to finance their business in the world, we will provide an individual solution that meets their needs and wishes.
Our team is able to solve even the most difficult tasks, while ensuring honesty, safety and mental calm.
If you still do not trust credit organizations and suspect them exclusively in the thirst for profit, we hasten to assure you – they themselves are interested in the growth and prosperity of the business of their borrower.
Just fill out the form and provide us with more information about your project with a brief technical and economic justification, and we will take care of everything else.
Thanks to our optimized processing process, you can relax, knowing that real professionals are engaged in your task.
Contact us today to find out how we can help you get a loan on the most loyal conditions for your business.
We help customers achieve their goals with confidence and trust.
Types of loans that we offer for business
Our company offers its customers several types of lending, designed for companies with different purposes and turnover.
Types of loans for enterprises are distinguished by the conditions of provision, repayment procedure, restrictions on the amount and goals of the expenditure of funds.
The credit line opens operational access to additional resources, reduces the time to receive the next loan amount in comparison with the registration of one -time loans (the provision of the next tranche within the framework of the credit line is made on the basis of the borrower’s statement). It allows you to reduce the cost of servicing a bank loan due to independent planning and effective regulation of financial flows.
Only a company or self employed can be a business loan borrower. The loan should be used by the borrower in accordance with the declared goals. When the borrower is encouraging in the misuse of the funds he received, we have the right to terminate the previously signed loan agreement unilaterally. In this case, the borrower will have to return the credit money issued to him ahead of schedule.
A single loan
The loan is provided for the implementation of large – scale plans: the construction of objects, the purchase of equipment, real estate, equipment, and expensive raw materials.
Such a loan can be issued secured by a guarantee of the bank of the borrower serving the company that should be issued to the creditor’s bank through the SWIFT MT 760 with the subsequent direction of the hard copy.
Also, state securities of the borrower country can be accepted as a loan security; guarantees (BG/SBLC) third – party issuing from world prime banks; guarantees of third parties.
Currently, loans are provided, as a rule, for a period of 1 year to 5 years with the possibility of increasing the deadline and early repayment (full or partial). The loan term is established depending on the creditworthiness of the borrower, the objectives of the loan, the conditions provided for by contracts and contracts, as well as taking into account the characteristics of the production cycle of the borrower enterprise.
Usually a loan is issued for: replenishment of working capital; implementation of projects for the organization, modernization or expansion of the enterprise; financing of export-import operations; payment of contracts, contracts; production and economic activities of the enterprise; Other goals that do not contradict the current legislation of the country of the borrower.
The interest rate for the use of funds is formed under the influence of the conjuncture of the money market, the creditworthiness of the borrower, as well as taking into account the credit history of the client, the term of lending, the type of security provided by the client.
The conditions for repaying a loan are agreed on a separate agreement with the borrower. For example, repayment of a loan can occur at the end of the loan term along with payment of interest for the use of a loan or a loan body can return annually in equal parts with interest payment on a quarterly.
The conditions for repaying a loan under a loan agreement agreed with the borrower will be indicated in the schedule for repayment of the loan and payment of interest for its use, which will be a neural part of the loan agreement.
To obtain such a loan, there are mandatory conditions – the borrower’s business must operate at least six months, as well as the bank, a borrower serving company in the country must be included in the top 10 banks of the country of the borrower. Also, state securities of the borrower country
Credit line
If you intend to resort to loans, for example, in the framework of cooperation with suppliers, it will be more convenient to use the credit line. Our company will provide you with a credit limit in which you can occupy exactly the amount that you need at the time within the established total loan amount.
The loan is issued once for the entire period of the credit line.
Currently, a credit line can be provided for a period of up to 1 year with the possibility of increasing the deadline for a separate agreement of the parties.
For example, the borrower company can spend the loan amount immediately or in parts, while repayment of the debt occurs according to the schedule from the moment of expenditure of each part of the loan. The money returned to the offset of debt repayment is not summarized with the remainder. Upon reaching the established limit, the credit line is closed, the bore company continues to repay the debt with interest until the creditor is fully calculated.
The total interest rate is set individually and depends on the financial condition of the borrower, the term and amount of the loan, as well as the provision provided.
The credit line is not renewable.
When lending to business, we are usually talking about large amounts of money. The minimum loan amount is 500k euros, so our credit committee scrupulously studies the credit history, the capabilities and assets of potential borrowers before the approval of the loan.
Before submitting an application, make sure that your organization meets the following criteria:
• the borrower company is the tax agent of the country of the borrower and belongs to the category of commercial;
• the company carries out financial activities for at least 1 year, has a stable average income;
• credit history does not have “dark spots”;
• legal “purity” – the company is not burdened with outstanding courtses and has no debts to the tax authorities;
• lack of other signs of approaching bankruptcy;
• The organization owns material assets (real estate, equipment, vehicles, etc.), that is, has a collateral property that can provide its service bank in order to receive a bank guarantee in favor of the creditor. In case of loss of solvency, the bank may sell pledge property for the return of formed debts under a loan agreement.
In any case, our experts of the credit committee, when evaluating your business, will compare your desires with the real financial, economic and production capabilities of your enterprise.
How to get a loan?
Frequently asked questions (FAQ)
Who can get a loan or open a credit line for business?
A loan for business can take companies over 6 months of registration, as well as private entrepreneurs who have a valid business and service in TOP 10 banks Borrower’s Country.
To do this, you need to confirm the possibility of issuing a bank guarantee (BG) to your company serving your company, provide a business project (TES), as well as other necessary documents requested by our credit committee.
What documents are needed to obtain a loan?
For companies:
constituent documents;
licenses, permits, patents, business project, brief technical and economic rationale for the project;
documents confirming the powers of the head of the company, as well as the signature of the loan agreement;
identity documents of the company’s management staff, as well as all the shareholders of the compass provided with a resolution of 300 dpi in color;
consent to the processing of personal data;
Bank guarantee (BG) issued by the bank serving the borrower serving the company included in the TOP 10 banks of the country of the Borrower.
For individual entrepreneurs:
color scanned copy of the passport with a resolution of 300 dpi; licenses, permits, patents, business project, brief technical and economic rationale for the project;
consent to the processing of personal data;
bank guarantee (BG) issued by the bank serving the borrower serving the company included in the TOP 10 banks of the Borrower’s country.
What purposes can you spend a loan received for business?
Money provided on a loan for business development can be used for:
replenishment of working capital;
taxes;
salary payment;
purchase of commercial real estate, acquisition of fixed assets: equipment, transport;
repair of commercial real estate, equipment, transport;
project financing, paying for contractors for the implementation of a business project.
Credit money cannot be used for the purpose. They can not be spent on the purchase of shares and other securities or the payment of dividends, on repayment or issuing loans, to pay off tax debt, to pay for participation in the tender and some other goals.
If I have loans from other banks, can I apply for a loan from your company?
Yes, despite the credit obligations to other banks of your company or private entrepreneur, you can contact us for a loan secured by BG issued via SWIFT MT 760 to our bank with subsequent sending of a hard copy for BG by bank courier service.
Why receive a loan from the TCC?
We have offer:
favorable conditions of business lending;
flexibility of the payment payment schedule;
low rates and long terms;
convenient ways to repay the loan body;
support, assistance and detailed consultations for the entire duration of the loan agreement.
Fill out the form or leave a request on the site.
Our experts will contact you and answer all your questions, and also help you choose the most suitable and profitable loan in your case.
What types of loans are there for business?
We offer several types of credit. One of these types is a loan with a purpose for the opening of a new business related to financing a profitable business project or the development of an existing one;
acquisition of commercial real estate or production facilities (United Kingdom only);
non -renewable credit line, with the provision of a loan amount in parts.
What is the procedure for providing a loan?
The loan is provided by the bank of our company with the transfer of the loan amount by one or more tranches in accordance with the schedule of the loan under the bank’s bank details of the borrower of the borrower indicated in the contract within two banking days from the date of receipt of the Hard Copy of the BG or from the prime bank of the financial guarantor included Top 30.
What are the ways to repay a loan?
Payments for the return of the body of the loan and paying interest for its use can be of several types (annuity, accrual for the balance (classic), differentiated).
The selected type of repayment of the loan will be indicated in the loan agreement and reflected in the loan payment schedule.
Typically, the loan repayment schedule is agreed with each borrower separately taking into account his wishes and capabilities.
In most cases, payment of the loan body is made at the end of the loan term established by the loan agreement or equal parts in proportion to the term for which the loan is issued.
Payment of interest for the use of a loan is made on a quarterly borrower, annually or for a separate coordination of the parties, which will be confirmed by a schedule for repayment of a loan, which is a neotemic part of a loan agreement.
All payments for the return of the loan body and interest are paid in the loan currency for the account that we specified in the account.
Early repayment of the loan is allowed without penalties after 6 months of use of a loan.
Is it possible to get a loan secured by BG/SBLC issued from prime banks?
Yes, we can accept BG/SBLC instead of guaranteeing your company serving your company. The BG/SBLC should be released with Prime Banks included in the TOP 30 Worlds Banks just for purchase.
The financial instrument should be released only in the name of our company.
The BG/SBLC released for leasing as a guarantee of repayment for the loan provided is not accepted.
All details related to the provision of guarantees from the financial guarantor must be additionally agreed with the employees of the credit committee of our company.
What will happen to the borrower’s bank guarantee (BG)?
With the proper and fully fulfillment of the borrower of obligations under the loan agreement, the BG paper copy, which is under storage in the depository of our bank, will, along with the letter confirming the fulfillment of the obligations under the loan agreement, was returned to the issuer bank within 5 banking days from the date of receipt of all due payments for Credit use.
In case of improper fulfillment of obligations by the borrower under a loan agreement or untimely repayment of the loan body or payment of interest for the use of a loan, Lender will apply to the procedure and terms specified in the agreement and the deadlines, to the bank, which issued the BG/SBLC for the payment of such debt instead of the borrower.
There are questions left?
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Check out our main sectors of the economy that we will credit
Agriculture
Agriculture remains the largest sector of the economy of each country and plays a decisive role in ensuring the country’s food security and providing the population with food.
However, the features of agricultural production, such as the seasonality, uneven movement of working capital, cause a lack of working capital enterprises of the agro -industrial complex and often need significant non -expensive credit resources.
Construction and real estate
All over the world, the real estate construction market is considered one of the least risky areas for long -term lending or investing with a sufficiently high level of profitability.
The lack of developers of their own resources, in a sufficient amount for the development of a particular project, leads to the involvement of credit resources from external sources to real estate projects.
Manufacturing
The use of loans in the economic activities of enterprises in the production sector allows them to be provided with the necessary volume of funds to carry out an uninterrupted production process, increase profitability and strengthen control for the implementation of sales and profit plans, as well as the safety of our own working capital.
Energy and Technology
Lending the energy sector of the economy in each country leads to an increase in energy -firing and reducing the cost of the production of electric and thermal energy, improves the reliability of the supply and reduces the effect of energy -use on the environment.
An important role in the development of advanced innovative engineering solutions related to the production of electric and thermal energy without the use of scarce fossil fuel is played by huge financial investments in the early stages of their introduction.
Logistic and transport
The structure of the transport industry includes road, rail and air transportation.
Transport not only meets the transportation needs of the population, it is the largest component of the infrastructure of any city and has a significant impact on the dynamism and efficiency of the long-term development of the region, as well as the country itself as a whole.
The need for lending to transport infrastructure is determined by the task facing the state of each country to improve the quality of life of citizens so that it is more comfortable and convenient, with reliable and safe transport links.
Mission and principles
Our client's goals are our highest priority. Therefore, regardless of the circumstances that arise, we work for the result that our client expects.
We set ambitious goals for ourselves and confidently move towards results, sometimes achieving even more than our client expects.
We observe honest, fair, transparent and trusting relationship, both between employees of our team, and with our clients and partners.
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