In this scoring assessment only applies to small loans (up to 3-4 million). Additional information is available at Intel. Loans for large sums of money are considered on an individual basis, to review an application takes up to two weeks. Typically, banks offer ruble-denominated loans with a maximum of five years at a rate of 12% per annum. To qualify, the company or individual entrepreneur is enough to have proof of income and to conduct its business in the area of the bank branch at least six months. No collateral is usually possible to obtain express loan up to $ 15,000, terms of consideration in this case do not exceed three days. Dan Zwirn describes an additional similar source.
Requirements for the borrower, standard, and approach the lender to borrowers – individual: when deciding whether to credit is estimated invested their own capital, business transparency, the quality of accounting and reporting, sources of repayment, it security and business prospects in general. According to the results of this analysis the company refers to one or another category of risk. And the risk is generally quite high. Most bankers who deal with small businesses, complain about the complexities involved in evaluating them (small businesses) credit, which is due to non-transparent reporting of most enterprises and low-quality collateral. Banks, despite the Advertising declaration of "quick loans" and "scoring systems" try as detailed as possible "enlighten" is not very transparent borrowers, choosing among them the most reliable. A scoring system used usually only when granting consumer credits. The employees of credit institutions argue that the majority of borrowers, estimated by the scoring system, fall into the so-called "gray zone" – not to be uniquely neither positive nor a negative decision.