EMPOWERING YOUR BUSINESS · We do not require you to open additional bank accounts 6. Operational...

EMPOWERING YOUR BUSINESS

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.

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

LUXEMBOURG

RUSSIA

RUSSIA

RUSSIA

RUSSIA

ITALY

ROMANIA

MOLDOVA

ARMENIA

BELARUS

S.p.A.

RUSSIA

RUSSIA

RUSSIA

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

ABOUT FACTORING

Factoring is a complex of financial services for legal entities and individual entrepreneurscarrying out deliveries or rendering services on a deferred payment basis.

Factoring allows to replenish the company's working capital, increase the scope ofdelivery with a deferred payment, eliminate cash gaps, improve the payment disciplineof 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

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: 30-45 days.

Factoring provides for receivables management service, which allows to improve the

payment discipline of obligors and avoid risks of losses

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

OUR ADVANTAGES1. 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

OUR PARTNERS *

*obligors and electronic document management system

TERMS OF FINANCING

Parameters

Financing limit for a Client RUB 1-80 million

Deferral according to delivery contract 14-120 days

The Client's company operation term 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%.

LIST OF DOCUMENTS FROM THE CLIENTAll documents are provided in electronic form (scan or Excel):

1. Questionnaires:

• Client and Obligor questionnaire (FK form);

• Guarantor questionnaire, in case there is a guarantee

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. 0401026) (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.

Our activity in Russia

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.

Moscow , Russia

73 Sadovnicheskaya Str., bld. 1

Phone/fax: +7 (495) 727 00 77

Email: info@c-g-i.ru

http://www.c-g-i.ru/

Ranked among TOP-10 Best Wealth

Managers according to Forbes

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 medium-

sized 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.

Moscow , Russia

115035, Moscow, 72 Sadovnicheskaya

Str., bld. 2

Phone: +7 (495) 357 00 32

Fax: +7 (495) 645 69 41

E-mail: info@nlkleasing.ru

www.nlkleasing.com

Since 2007, 4,866

leasing agreements

have been executed

for the amount of

more than RUB 10

billion.

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. 2110177000024

Moscow , Russia

115035, Moscow, 72

Sadovnicheskaya Str., bld. 2

Phone/Fax: +7 (495) 579 80 76

E-mail: info@mikrokapital.ru

микрокапитал.рф

Sincethe company’s

foundation, 5710

loans for a total

amount of RUB 3.6

billion

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

Moscow , Russia

73 Sadovnicheskaya Str., bld. 1

Toll-free number:

8 (800) 333 54 11

Phone/Fax: +7 (495) 134 33 44

E-mail: info@townmoney.ru

www.townmoney.ru

Turnover of RUB 170

million for 2016

500% sales growth

in 2015/2016

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.

Moscow , Russia

Toll-free number:

8 (800) 234 22 44

Phone: +7 (495) 234 22 44

E-mail: info@delimobil.ru

https://delimobil.ru/

Customer base:

200,000 people

more than 1.2

million leases

Presence area

THANK YOU FOR YOUR ATTENTION!

Office at Paveletskaya:

115035, Moscow, 73 Sadovnicheskaya Str, bld. 1

115035, Moscow, 72 Sadovnicheskaya Str, bld. 2

generalfactoring.ru info@generalfactoring.ru +7 (499) 649 20 10