In the bank for entrepreneurs and companies “Tochka” a new option has appeared that allows you to use funds when necessary and not go into the red, the press service said.
A revolving line is a tool that allows a company to replenish its working capital when necessary. In this case, the payment of the money is made in installments within the debt limit.
A non-renewable line allows you to spend funds from the approved limit. And with the new option, the entrepreneur will be able to return them while maintaining the level of available funds.
“If a businessman has a limit on the renewable line of 500 thousand rubles, and he took 100 thousand, then his limit was reduced to 400 thousand rubles. But when he returns this money, his limit will again be half a million rubles. With a non-renewable line, the limit is not reset,” says Angelina Krasheninnikova, head of the service.
The option is useful in situations where business expenses will occur in the near future, but it is not known exactly when the money will need to be paid back.
The service is available to Tochka customers who started their business more than three months ago.
The minimum limit of a revolving line is 50 thousand rubles, the maximum limit is up to 15% of the turnover of a particular business: payments from a counterparty, credits for acquisitions, etc.
The interest rate of a renewable line is 20% per year. The amortization term is 30 calendar days, and the term of provision of the line is 12 months. The commission for the issued amount is 0.5% of its volume.
Author:
Natalia Gormaleva
Source: RB
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