EMPOWERING YOUR BUSINESS

Transcription

1 EMPOWERING YOUR BUSINESS

2 General Factoring Company specializes in financing of small and medium-sized enterprises, carrying out deliveries on a deferred payment basis. Our company is a part of Mikro Kapital Group, the international holding company, founded in 2008 by Italian financier Vincenzo Trani. The company's mission is to provide factoring services to support and develop small and medium-sized businesses. Today, General Factoring means: stable and continuous financing, professional and client-oriented employees, a range of factoring products, convenient financing limits, clear and transparent rates.

3 Mikro Kapital Group is a holding company that unites several companies located in Italy, Switzerland, Luxembourg, Russia, Belarus, Romania and other countries. Mikro Kapital Group invests in the Russian stock market and has access to special funds to finance small and medium-sized enterprises in Russia and CIS countries. Private Banking SMEs Support SMEs Support (CIS and European Union) Other projects SWITZERLAND RUSSIA BELARUS RUSSIA LUXEMBOURG RUSSIA ARMENIA RUSSIA RUSSIA RUSSIA MOLDOVA RUSSIA ROMANIA ITALY S.p.A.

4 ABOUT OUR COMPANY In today's economy, small businesses represent a vulnerable segment of the financial services market. Development and support of small businesses in Russia is one of the strategic state tasks that are gradually and effectively implemented at the level of all regions. Availability of financial resources has been the leading and key instrument for small business development in Russia, and our company is ready to provide small business with financing even during economic difficulties. The main objective of our company is to help small businesses when financial support is needed for further development and scaling up of entrepreneurial activity. Vincenzo Trani Chairman of the Board of Directors of Mikro Kapital Group

5 ABOUT FACTORING Factoring is a complex of financial services for legal entities and individual entrepreneurs carrying out deliveries or rendering services on a deferred payment basis. Factoring allows to replenish the company's working capital, increase the scope of delivery with a deferred payment, eliminate cash gaps, improve the payment discipline of obligors, and so on. 1. Goods delivery 2. Waybills transfer 3. Payment up to 90% of the delivery amount 4. Delivery payment by the buyer 5. Payment of the remaining amount to the client

6 FACTORING VS. CREDIT Factoring means financing of deliveries on deferred payment terms; therefore, the financing limit depends primarily on the scope of delivery and the deferred period. Factoring is unsecured financing, so it is more affordable than bank lending. Factoring financing is provided for 90% of the delivery amount, and the overdraft limit is 30-50% of the company's turnover. The period of factoring financing: 120 days: the overdraft period: days. Factoring provides for receivables management service, which allows to improve the payment discipline of obligors and avoid risks of losses

7 OUR PRODUCTS: We are professionals in factoring services market and therefore offer a wide range of financial products. This allows us to select individually a suitable product and satisfy the most diverse needs of our clients. RECOURSE FACTORING NON-RECOURSE FACTORING UNDISCLOSED FACTORING PURCHASE FACTORING E-FACTORING BATCH FACTORING

8 OUR ADVANTAGES 1. Convenient financing limits Financing limits are set according to your needs! 2. We work with any solvent obligors. 3. We have transparent rates and there are no hidden fees fixed fee rates for the entire term of the deferral, without increasing interest in the event of late payment from the obligor; fees for factoring services are charged from the moment of financing until the moment of waybill payment. 4. Undisclosed Factoring We can work with the most complex obligors, even with those who do not sign notice of assignment of receivables. 5. We do not require you to open additional bank accounts 6. Operational financing - according to waybill registers with digital signature financing registers are signed by EDS and financed no later than 2 days after confirmation of deliveries by the obligor, and waybills are provided to our company during 30 days after financing. 7. Internet Factoring You can see all the information on the assigned waybills online in a personal account

9 OUR PARTNERS * *obligors and electronic document management system

10 TERMS OF FINANCING Parameters Financing limit for a Client Deferral according to delivery contract The Client's company operation term RUB 1-80 million days from 6 months* First payment amount up to 90% ** Grace period 21 Days Recourse period (for recourse factoring ) 7 Days * exceptions are possible for the group of companies, ** under purchase factoring, first payment amount is 100%.

11 LIST OF DOCUMENTS FROM THE CLIENT All documents are provided in electronic form (scan 1. Questionnaires: Client and Obligor questionnaire (FK form); Guarantor questionnaire, in case there is a guarantee or Excel): 2. Copies of all passport pages of business owners and managers, as well as persons named in bank cards, authorized to manage funds on the account, using the equivalent of a handwritten signature, and other persons acting under Power of Attorney. 3. Constitutional Documents: Certificate of state registration of a legal entity. Sample signatures and seal card (form No ) (either notarized or certified in the Bank, where the current account is opened). The Articles of Association, as amended. Extract from the shareholders register (for joint-stock companies). 4. Delivery contract (contract with the buyer): Contracts and agreements with Obligors, transferred to factoring financing, with all schedules and additional agreements, Power of attorney for signatories authorized by the Obligors and the Client, if contracts are signed by proxy. 5. Financial and accounting documents: Financial statements Form No. 1-2 for the last 5 reporting periods. Corporate income tax and VAT returns for the last reporting period. Card 62 of the account for the last year, separately for each obligor transferred to factoring, in electronic form. Trial balance for accounts 60,62,76 for the last reporting period in electronic form.

12 Our activity in Russia

13 International investment company with 100% foreign capital, founded in 2008 by a financier Vincenzo Trani. The company's head office is located in Switzerland. General Invest provides equity trust services for large private and corporate clients, as well as family wealth management. The amount of assets under management exceeds EUR 1 billion. Member of the largest professional associations, such as the National Association of Securities Market Participants (NAUFOR), Association of European Businesses, the Association of Regional Banks of Russia. Ranked among TOP-10 Best Wealth Managers according to Forbes Moscow, Russia 73 Sadovnicheskaya Str., bld. 1 Phone/fax: +7 (495) info@c-g-i.ru

14 NATIONAL LEASING COMPANY (NLC) NLC is a universal leasing company that has been in business since 2003 and provided leasing services for all sectors of the economy. NLC focuses on small and mediumsized enterprises, providing affordable and simple financing terms for upgrading the material and technical base of enterprises. NLC branches: Moscow, Krasnodar, Nizhny Novgorod, Ufa, Yekaterinburg, Rostov-on-Don. Since 2007, 4,866 leasing agreements have been executed for the amount of more than RUB 10 billion. Moscow, Russia , Moscow, 72 Sadovnicheskaya Str., bld. 2 Phone: +7 (495) Fax: +7 (495) info@nlkleasing.ru

15 IFCMikro Kapital Russia LLC Mikro Kapital Russia provides loans to small businesses and individuals. The company has been conducting business in the market since 2010, and today it has 30 offices throughout Russia. On July 8, 2011, the Company was included in the state register of microfinance organizations under No Sincethe company s foundation, 5710 loans for a total amount of RUB 3.6 billion Moscow, Russia , Moscow, 72 Sadovnicheskaya Str., bld. 2 Phone/Fax: +7 (495) info@mikrokapital.ru микрокапитал.рф

16 Gorod Deneg (LLC) Gorod Deneg is a leading P2P lending platform in Russia and the CIS countries. It has been operating in the market since 2012, has young, dynamic professionals with extensive experience in the field of lending to small and medium-sized enterprises, using advanced technologies of Western European financial institutions. The Company s key products include: P2P loans for small businesses and start-ups; P2P investment for individuals and network companies. 10,500 borrowers 4,500 investors 1,000 visitors a day on the platform Turnover of RUB 170 million for % in 2015/2016 sales growth Moscow, Russia 73 Sadovnicheskaya Str., bld. 1 Toll-free number: 8 (800) Phone/Fax: +7 (495) info@townmoney.ru

17 DELIMOBIL - THE LARGEST CAR SHARING SERVICE IN RUSSIA Delimobil is the first car sharing, opened in the capital of Russia in 2015 within the framework of the Moscow Government project Moscow Car Sharing. In January 2017, the service expanded the area of presence, having appeared in St. Petersburg. The project implementation allows the users to minimize costs associated with moving around the city. Customer base: 200,000 people more than 1.2 million leases Presence area Moscow, Russia Toll-free number: 8 (800) Phone: +7 (495) info@delimobil.ru

18 THANK YOU FOR YOUR ATTENTION! Office at Paveletskaya: , Moscow, 73 Sadovnicheskaya Str, bld , Moscow, 72 Sadovnicheskaya Str, bld. 2 generalfactoring.ru info@generalfactoring.ru +7 (499)