Tender loan to secure an application is a targeted loan that a legal entity can receive so that the company can participate in tenders without withdrawing its own funds for this purpose.

Obtaining a tender loan will be of interest to participants in tenders, competitions or electronic auctions who need to confirm their solvency.

On this moment, organizing and conducting tenders and auctions is an integral part of almost any line of business. This method allows you to quickly and profitably select a supplier or contractor to perform the work.

The conduct of government tenders is regulated by Federal Law No. 44-FZ of 04/05/2013.

In particular, the law states that each competitive bid must be confirmed by a special contribution, the amount of which is equal to 0.5% to 5% of the contract amount. Such a contribution is necessary because it confirms the solvency of the bidder and also guarantees his interest and serious intentions.

However, not all enterprises have the opportunity to withdraw from circulation the amount necessary for collateral. Therefore, in many cases it is much more expedient to obtain a tender loan.

Tender loan: difference from loan and guarantee

It is necessary to distinguish between the concepts of tender credit, loan and bank guarantee.

As for the loan, it is intended to fulfill a government order. Similar financial product is considered a bank guarantee. It is a guarantee that the company that wins the tender will not subsequently refuse to sign the contract, as well as complete the entire scope of work on time.

Loan to secure a tender application - benefits of obtaining

The main advantages include the following:

1. Simplicity of the registration procedure - in order to receive a positive decision on an application for a tender loan, the borrower only needs to provide the bank minimum package documents, which includes confirmation of the company’s participation in the tender and financial statements, confirming the absence of debt.
2. You can do without a guarantee or collateral.
3. After a positive decision is made to provide a tender loan, the money will be credited to the account legal entity at one time.

Tender loan - the main purposes of obtaining

Obtaining a tender loan may be necessary in several situations. In any case, the use of this financial service will allow the company to solve many problems with minimal costs.

1. A loan to secure an application is an excellent solution if the company has the opportunity to compete for a serious order, but does not have free funds or cannot withdraw the necessary amount from circulation in order to ensure participation in the tender;
2. Thanks to this loan, small and medium-sized businesses receive unique opportunity submit your application to several competitions at once. In this case, there is no need to withdraw part of the funds from circulation;
3. Thanks to receiving a tender loan, they can take part in the auction a large number of companies. Therefore, tender organizers have the opportunity to choose the most suitable contractor or service provider.

OOO ICC"RusTender"

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As a rule, to participate in competitions, trades, and auctions, a certain amount of money (approximately 5% of the contract value) is required to be deposited into the organizer’s account. Today it is increasingly used for these purposes. This is not surprising, because working capital, which are used to secure the application, will be unavailable to the enterprise for approximately 1-2 months - this is exactly how much time passes between submitting an application for participation in the tender and concluding the contract. In this case, it will be difficult for the company to take part in several competitions. A tender loan helps solve this problem.

A tender loan allows a company to receive the following advantages:

• There is no need to withdraw your own funds from circulation.
• You can take part in several auctions and competitions.
• You can apply for participation in large tenders.
• No collateral required.

Advantages of obtaining a tender loan from the Tender-Garant company

We offer our clients profitable terms for cooperation. Services for obtaining a loan to secure an application are provided free of charge; we receive remuneration from our partner banks.

By contacting Tender-Garant to receive a loan to participate in a tender, an enterprise receives the following benefits:

• low interest rate(from 15% per annum);
• prompt decision-making on issuing a loan (1 business day);
• lack of collateral and security;
• the loan is provided the next day after the decision to issue it is made;
• the opportunity to receive a loan to participate in a tender while living in any city in Russia;
• the term of one tranche is up to 3 months;
• free provision of the service (the company receives remuneration from partner banks).

How to get a loan to secure a tender application

To obtain a loan, you do not need to collect a large number of documents. The decision to grant a loan is made after the client presents:

• completed application form;
• financial reporting documents for the last 4 quarters;
• link to the ongoing auction or competition.

Types of tender loans

There are the following types of loans to secure an application:

1. Revolving credit line

This form of credit relationship provides that the participant and the bank enter into an agreement on opening a revolving loan line of credit for a period of 1 year. During this period, the client can use the funds at his disposal to participate in various auctions and competitions. Having repaid the current tranches, you can again use the loan to participate in the tender.

2. One-time loan

In this case, the borrower receives a loan to participate in a specific tender. In the future, if necessary, he can contact the bank again, and the decision to provide a new loan will be considered faster than usual - within 3-4 days. Moreover, the interest rate on this type of loan is lower than when issuing a loan in the form of a revolving line of credit.

You can choose the type of loan you need, get a form to fill out and find out the answers to all your questions by contacting the company’s managers by phone or filling out.

If you need your application for a tender loan to be reviewed in a short time, please contact MCC ZELO. We are ready to help in obtaining a loan (credit) to secure an application for participation in trades and auctions. Take a smart tactical step that will allow you to more actively participate in government procurement and in the future conclude profitable contracts.

Why do you need a tender loan?

The obligation of organizations participating in bidding for contracts with government customers is to provide bid security. Amount as prescribed current legislation, is up to 5% of the starting price. At first glance, 5% is an insignificant cost. However, it must be taken into account that financial support non-refundable. In addition, there is a risk that the winning bidder will be another organization. If a company - a medium or small business - actively participates in such auctions, the total amount of security in this case can be quite large. Taking a tender loan (credit) in this situation means playing it safe: you are not withdrawing money from the business’s turnover, and if you win, the funds raised are repaid.

What you need to get a loan

To receive a tender loan, you need to provide a minimum of information in the form of the following package of documents:

• loan applications;
• data balance sheet and profit and loss statement for the last 5 reporting periods;
• copies of constituent documents;
• history of fulfilled obligations under government contracts (in the form of a list);
• account instructions electronic platform, to which funds need to be transferred.

How to get a tender loan (credit)

To receive a tender loan (credit) at MCC “ZELO” you can simply send an application and documents via electronic means of communication and document management. There is no need to come to our office and waste time, no need to open an account with a creditor bank.

Terms of service

The loan is provided on the following standard terms:

• sum borrowed money can range from 50,000 to 50,000,000 rubles;
• when granting a loan, a one-time fee of 3% of the loan amount is charged;
• The term for granting a tender loan can be from 30 days. If the loan amount does not exceed the amount of the application security for participation in a specific auction, then the loan is provided for a period of no more than 60 days;
• For regular customers There is a system of discounts and individual calculation of interest.

You will receive a decision on providing financial support no later than 3 hours after your application. At positive decision Money transfer is possible on the same day. Receiving a tender loan will give you the opportunity to participate in several auctions simultaneously without diverting funds from your own turnover. Fill out a request for a call back and find out how much a tender loan costs.

If an organization that has decided to participate in a tender does not have enough money at this moment to transfer to secure an application or it does not want to withdraw large amounts of funds from circulation, then such an organization has the opportunity to apply for a tender loan to secure an application in Moscow.
This type of lending is a special loan that can be received by a participant in a tender (competition, electronic auction), that is, a participant placing a state or municipal order in strict compliance with current legislation.

Companies that have completed and submitted applications for participation in accordance with the rules and on time can take part in tenders. If the application is submitted correctly and is secured, this company has a significant chance of receiving a government order. Application security is a specific amount Money one of the parties to placing an order, which is blocked on the account of the electronic trading platform belonging to this participant. This is done to provide some guarantee of its participation in the auction, as well as to confirm the reliability of the information provided.

It is intended to regulate relations in the field of state and municipal tenders The federal law No. 44 “On the contract system in the field of procurement of goods, works, services to meet state and municipal needs.” It also states that the customer has a direct obligation to establish security for the application, and the amount of the security must be specified in the tender documentation. The amount of security can vary from 0.5 to 5% of the maximum contract value. In small businesses this figure is limited to 2%. For the customer on electronic trading platform a special account is opened to which he must transfer the required amount. The participant placing an order receives a notice of accreditation on the site and account details at a time.

The tender documentation provides the requirements in accordance with which the application must be submitted:

• The package of documents attached to the application must correspond to the technical documentation.
• The application security must be submitted simultaneously with the application itself.
• The tender documentation contains the address for submitting bids.
• The application can be submitted in either electronic or paper format.
• It is possible to withdraw or change an application, but only until the deadline for its submission has expired.

An application for a tender is submitted only after there are sufficient funds in the account of the electronic platform. When the application is registered, these funds are blocked. If a participant leaves the auction, the amount is automatically released by the platform. However, the money is not returned to the customer’s account, but remains on the same site. The customer himself decides whether to store them here until the next tender or transfer them to his details.