I need working capital
Calculate your needs, bridge a cash flow gap and choose a credit product.
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Business Financing Encyclopedia · NG Finance
84 practical guides
· updated
Answers for business owners and finance leaders
What does your business need to solve with financing?
Find the right guide among 84 articles. Describe your needs and we will show you articles on loans, working capital, bank requirements, factoring or government contracts.
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Latest article · 17 min read
How banks assess cost of sales and business expenses before lending
Margins, variable and fixed costs, bank adjustments, stress scenarios and application documents.
Choose your situation
Each route narrows the catalogue to articles that help you make a specific decision.
I am preparing for a bank decision
Profit, taxes, DSCR, turnover, documents and reasons for a decline.
Explore the selection →I am fulfilling a government contract
Contract performance financing, independent guarantees and requirements under Russian Laws 44-FZ and 223-FZ.
Explore the selection →I want to pay less
Interest rates, fees, total borrowing costs, refinancing and early repayment.
Explore the selection →Where to start
Three core guides to help you understand your financial position before choosing a product.
Step 1 · Funding needs
Calculating working capital needs · 16 min read → How much money does the business actually need?
Step 2 · Capacity
Free cash flow · 16 min read → How much can the business allocate to repayments?
Step 3 · Assessment
DSCR ratio · 16 min read → How banks check your financial buffer
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Try a shorter search or choose one of the topics above.