Tender lending

Project description

Procurement market simultaneously with its development in recent years has discovered a great need in the tender loans. The majority of participants are either not ready to withdraw the funds as security for participation in the tender, or do not have the necessary amounts. Tender lending is intended to ensure that identified need.

The project we are proposing has existed for a year and a half. Is a system of automated loan organizations to participate in tenders. For this project, the generated structure — the operator of financial markets (RPP) — which is responsible for the accumulation of funds for their preservation and building.

On a daily basis in the system PFD receives requests from potential borrowers (20 to 40 a day), after which applications are processed through the scoring system and the decision to grant or not to grant the loan.

Once a participant is approved as a borrower, he gets the loan agreement and an invoice for payment of the fee for the issuance of funds. After paying the bill, the borrower gets funds on his virtual account in the personal Cabinet on the site where you published the tender. The fact that the loan is not paid directly to the borrower, to the platform — eliminates the risk of use of funds for other purposes. The loan can be used by the borrower as security for your applications for participation in the tender. After the tender, the funds are derived platform without the participation of the borrower back in OFP (agreements with Federal marketplaces signed).

At very low risk (according to the statistics, during the year, the NPL ratio amounted to 0, 002%) yield participation in this project is 17% per annum, which is fixed in the loan agreement.

A potential investor may receive a Commission either on a regular basis (weekly, monthly, quarterly) or at maturity together with the withdrawal of the principal amount of the loan from the system.

By the end of the year, the projected demand will be about 1, 5 billion rubles At the moment in the system is 750 million rubles Of them 500 million rubles are own funds, 250 million rubles — borrowed funds of private investors. Therefore, you must attract about 700 million RUB for closing the needs of the market in the current year.

We are ready to consider investment proposals from 100 million.

https://finance.otc.ru/credit