For the first time, an SME manufacturer received a loan secured by intellectual property through SME.RF
An SME manufacturer of anti-corrosion protective coatings from the Republic of Tatarstan has become the first recipient of a loan from a state microfinance organization secured by intellectual property. Through a special service on the SME.RF Digital Platform, developed by the SME Corporation in cooperation with the Ministry of Economic Development of Russia, FerrumProtect received 7.2 million rubles for 4 years at a preferential rate of 7% per annum.
The company attracted the guarantee of the regional Guarantee organization (RGO) of the Republic of Tatarstan, which is part of the National Guarantee System (the operator is the SME Corporation). The company's intellectual property, a patent for a "Protective anti-corrosion compound," was used as collateral for the loan. The funds received by the manufacturer will be used for the construction of a building on the territory of the Razvitie Industrial Park.
"For the first time, an SME representative received a loan from a state-owned MFO secured by intellectual property. This is an additional confirmation of the growing confidence in both small businesses in general and the developments registered by our entrepreneurs. The combination of a pledge in the form of a patent and a guarantee from a regional guarantee organization allowed the microenterprise to receive 7.2 million rubles for 4 years at 7% per annum. This is almost 2.5 times lower than the key rate. Under such conditions, the attraction of loans through a special service of SME.RF Digital platform is a real alternative to bank lending," said Alexander Isaevich, CEO of SME Corporation.
Currently, he recalled, if there is a lack of collateral, entrepreneurs can obtain guarantees from regional guaranteeing organizations to obtain loans. This is done through the SME.RF Digital Platform in the "one window" format. In the Republic of Tatarstan, as part of a unique product solution, small and medium-sized businesses can count on guarantees from the Russian Geographical Society to cover up to 95% of the loan amount secured by intellectual property.
Since the beginning of 2025, through the "Selection and receipt of microfinance" service on SME.RF entrepreneurs from eight regions have been given the opportunity to attract loans in the amount of more than 5 million rubles. It is available to businesses in St. Petersburg, Leningrad, Kemerovo and Ulyanovsk regions, the Jewish Autonomous Region, the Republics of Tatarstan and Sakha (Yakutia), as well as the Perm Region.
This year, entrepreneurs from 81 regions have raised more than 18 billion rubles through the preferential financing service in state microfinance organizations.
Starting from 2023, small and medium-sized businesses have the opportunity to apply for microloans online using a shortened and unified package of documents on the SME.RF Digital platform. It was developed by the SME Corporation and the Ministry of Economic Development of the Russian Federation, has been operating since 2022 and is being developed under the federal project "Small and Medium-sized Enterprises" as part of the national project "Efficient and Competitive Economy".