Tatarstan entrepreneurs can receive more financing under the guarantees of a regional guarantee organization

The number of regional guarantee organizations (RGO), whose collateral the Bank of Russia classifies as quality category I, has reached 30. The calculation and assignment of categories was carried out by the SME Corporation in accordance with the decision of the Board of Directors of the regulator and the methodology of the Ministry of Economic Development of the Russian Federation. This status has been assigned to the Guarantee Fund of the Republic of Tatarstan. 

"This decision was preceded by the development of a concept for classifying RGO guarantees to identify both stable and high-risk RGO," said a member of the Board of Directors of the Bank of Russia Mikhail Mamuta. — A methodology for assessing the financial stability of the Russian Geographical Society has also been developed. The decision of the Board of Directors of the Bank of Russia is valid until December 31, 2025, but in the future we plan to make this provision permanent, which will allow us to support lending to regional projects of SMEs with the guarantee of the Russian Geographical Society."

Due to the assignment of the RGO quality category I, banks can put less money into reserves when lending to businesses with support in the form of guarantees from the RGO.

"Since 2025, a total of 30 regional guaranteeing organizations have been provided with the I category of quality assurance, as well as guarantees from the SME Corporation. In six months, their number has increased by 12 RGO or more than 1.5 times," said Alexander Isaevich, CEO of SME Corporation. — Category I of collateral is not only an indicator of the quality of work of a particular RGO, but also a practical benefit for banks. They can make smaller reserves when using such guarantees, and redirect the released funds to other tasks."

"Regional guarantee organizations, which are part of the National Guarantee System, help small and medium-sized businesses attract bank financing. Small and medium-sized businesses often do not have enough collateral or not at all to provide it to the bank. In this situation, the National Guarantee System and the RGO included in it help to solve this problem. Given their guarantees, through which they take on some of the risks, banks are more willing to allocate funds to representatives of SMEs," concluded Alexander Isaevich.

Today, the Guarantee Fund of the Republic of Tatarstan provides guarantees to entrepreneurs and self–employed citizens for replenishment of working capital, refinancing - the amount of guarantees is up to 70 million rubles, for the implementation of investment projects and investments in non-current assets - here the amount is up to 100 and 120 million rubles, respectively. The guarantee can reach up to 70% of the loan amount, a bank guarantee, and the commission remains minimal from 0.1 to 1% of the amount of the guarantee provided.

Entrepreneurs from almost all sectors of the economy can apply for financial support, including those operating in rural areas, exporters, residents of industrial parks, as well as entrepreneurs who trade on online platforms. The exceptions are entrepreneurs engaged in gambling, financial and insurance services.

It should be recalled that the Guarantee Fund of the Republic of Tatarstan provides guarantee support in the form of guarantees for loan financing (loans, lends, leases, bank guarantees) to entrepreneurs who, according to the conclusion of a financial institution, have a stable financial position, but do not have sufficient collateral.

The implementation of state guarantee programs is carried out under the national project "Efficient and Competitive Economy".