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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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: [email protected]
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 [email protected] +7 (499) 649 20 10