The client receives money in several tranches

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The most suitable option for lending to a trading company is a revolving credit line , where money is borrowed from the bank to purchase goods. After purchasing the goods and selling them, the buyer can pay off the loan, and the line will be active again. The limit can be used several times during the term of the loan. If the limit has not been used, there is no need to pay for it.

NKL — non-revolving credit line. After using the funds israel telegram database for each tranche, it is necessary to repay the debt. When the payment is counted towards the debt body, it is no longer available for withdrawal. This type of lending is convenient because after the loan amount is approved, for example, 10 million rubles, you can use only 2-3 million and pay interest only on this amount. The remaining limit of 7 million rubles is preserved, and interest is not charged on it.

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Another type of revolving lending is a loan . The entire loan amount is issued at once and a repayment schedule is prescribed: these can be annuity or differentiated payments. The annuity payment is one and is divided into two parts: interest on the loan and the principal debt. The differentiated payment decreases towards the end of the loan term, the principal debt is divided into equal shares. The loan is repaid monthly according to the schedule. If you have not used the entire amount, it must be repaid according to the payment schedule.

A business mortgage is an investment type of financing, usually long-term, with a down payment and payment schedule. The bank issues a loan for the purchase of an office, warehouse, production facility or non-residential real estate. The premises are pledged. If the borrower defaults on their obligations, the property will be sold and the proceeds from the sale will be used to pay off the debt to the bank. When considering a loan application, the entrepreneur must explain for what purposes they will use the premises. If the enterprise is not useful for the existing business or the business is engaged in one activity and the premises are acquired for another, the bank may refuse to provide a loan.