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BGT consulting is the only one company at the Ukrainian market of consultative services which offers it’s clients (corporate clients) the complete list of high-quality services from the choice of the real estate to the receipt of a loan on any aims.
We are among the first who began to co-operate with the Ukrainian banks, and today present effectively the interests of the clients in the banks and other financial institutes, give the advises and render you support in the process of getting the loan.
Activity of our company consists of the picking up the client the best loan’s terms which exist at the market presently and befit exactly you. Thus, individual approach to everybody and his wishes allows us successfully to attain a purpose in the receipt of the most advantageous and suitable loan.
If you need to get a loan on:
• Additions to the circulating assets;
• Acquisitions of basic facilities;
• Acquisition, repair, reconstruction, restoration, completions, buildings of the real estate;
• Acquisitions of motor transport (both new and old);
• Acquisitions of equipment (new);
• For other aims in security for the real estate (addition to the circulating assets, aims of investments, refunding of the mortgages loans of the other banks)
We present your interests on all stages of receipt the loan.
We pick up for you:
1) bank;
2) suitable insurance company;
3) advantageous evaluation company (which must have accreditation in a bank).
After the receipt of your preliminary consent with the terms of loans we:
* present a client to the bank;
* conduct negotiations with the manager of the bank;
*bring necessary documents (we take failings documents, if it is necessary);
*conduct a negotiation process with an evaluation and insurance company;
* enter into contracts with an evaluation and insurance company.
Actually you only fill documents in our office, and we undertake all anxieties up to the moment you receipt the loan.
Choice of suitable bank, evaluation and insurance company help your company to economize not only on interest rates but also on the hidden commissions and additional payments. It is possible to avoid them.
As we value our reputation at the market among our clients and banks, insurance and evaluations companies - we provide only high-quality services to the clients.
List of necessary documents for the receipt of credit:
• Certificate registration;
• Financial reporting for two last years and for last current period: Balance (form №1) and Report on financial results (form №2); report on motion of facilities (form № 3), report on a property asset (form № 4) — upon the last annual date and on the last 3 dates of quarterlies; For enterprises, existing for 2 years, financial and current documents are given in times of the actual functioning;
• Decodings of debtors and creditors (including the obligations of bills of exchange, to given out and got) — in the cut of basic contractors, a sum on each of which makes more than 10% from the volume of the proper debt
• Book-keeping certificate about the list of basic facilities and their remaining cost on being in the last current date;
• Information about turns on accounts in other banks, with the grant of bank certificates for the last 6 months.
It is a minimum package of documents necessary for consideration of your business, the complete package of documents will be certain after the choice of the proper bank, in obedience to his requirements of grant of documents.
The basic banks’ requirements to the borrower:
• Physical and artificial persons with the actual term of existence of business more than 12 months
• Accordance the basic requirement of the bank is a presence of stable profit, sufficient for redemption of sum of the loan and percents on it
Basic terms of the loan:
Loan term:
Short-term: from 1 year
Long-term: to 3 years
On acquisition
to the real estate: to 10 years
Currency: UAH, dollar USA, Euro, Swiss franc.
delivery form: available (private person) and cashless.
Loan coverage: from 130% to 200% (from the market price of property) depending on a bank.
Postponement of payment: from 3 to 18 months.
Time of acceptance
decision by the bank: from 5 to 21 days (depending on the sum of the loan and chosen bank)
Loan’s providing: movable and immovable estate, rights of properties and other.
Delivery of the loan: 1) non-permanent
2) parts with establishment of the graph of redemption.
Potential borrowers also need to take into account that delivery of the loan is accompanied such charges:
• Bank’s commission for delivery of the loan: from 1 to 2 percents from the loan’s size (depending on a bank and chosen type of the loan)
• Commission for delivery of available facilities of monies: from 0,3% (depending on a
bank)
• Payment of services of insurance company (in obedience to the tariffs of insurance companies accredited in the banks)
• Charges on services of evaluation company (in obedience to the tariffs of companies of evaluations accredited in banks)
• Payment of services of notary (in obedience to the cost of the notary services).
The advantage of appeal to the BGT consulting company is our understanding of all nuances of crediting in Ukraine, therefore able maximally to economize your time and reduce expenses on a receipt and maintenance of the loan.
The cost of all package of our services makes from 2% to 3% from the sum of the given out loan. Thus our client pays all services of company only after making positive decision about delivery the loan by the bank.
Thus, if you want to accelerate the process of receipt the loan, you are a business man who not have spare time for passing paper procrastination and inevitable formalities, or you simply want to facilitate and simplify on your own the process of receipt the loan - we with gladness will help you and will satisfy your queries and wishes so that the best advertising for us in the future will become your recommendations.
We wish the success for your businesses.
With kind regards,
BGT consulting
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