What is a bank guarantee and how to use it. Procedure, conditions and terms for issuing bank guarantees How to obtain a bank guarantee

27.11.2023

Banking, insurance and other services for legal entities and individuals are gradually moving into the sphere of electronic document management. You can also issue a bank guarantee electronically. What needs to be done for this?

What is a bank guarantee

A bank guarantee is one of the ways to ensure the fulfillment of obligations assumed by the executor of the contract. This is a document that confirms the willingness of the guarantor bank to pay one party to the transaction a pre-agreed amount if the other party for some reason does not fulfill its obligations under the contract.

A bank guarantee is a convenient alternative to other options for securing obligations: pledge, surety, deposit in “real” money. Using a bank guarantee, the executor of the contract will not have to pledge any property or take money from circulation and “freeze” it in the customer’s account until the obligation under the contract is fully fulfilled.

An electronic bank guarantee is a regular guarantee, but issued in the form of an electronic document that has legal force. All communications with the bank and the execution of such a guarantee take place via the Internet, and documents are signed with an electronic signature, which gives the documents legal force.

Who needs a bank guarantee and when?

In commercial legal relations

A bank guarantee, as a contract enforcement tool, is used to cover risks when concluding any transactions - for example, with suppliers, developers and travel companies. In this case, the requirement to provide a guarantee is established by the customer at his own discretion, and its application is regulated by the Civil Code.

In government procurement

In the public procurement system, bank guarantees are used especially widely. According to Federal Law No. 44-FZ, government customers are required to require participants to secure applications and contracts in all electronic auctions and competitions, regardless of the purchase price. One way to provide such security is a bank guarantee. It can be presented for:

securing the application in the competition (from 0.5 to 5% of the initial contract price),
ensuring the execution of a contract concluded as a result of a competition or electronic auction (from 5% to 30% of the initial contract value),
return of the advance payment stipulated by the contract (in the amount of the advance payment).

The deadlines for signing contracts are clearly established by law:

5 calendar days from the date of receipt of the contract from the customer in the electronic auction,
10 calendar days - when participating in an open competition.

On average, issuing a paper guarantee takes 3-7 days for the first application and 2-3 days for subsequent applications. The term depends on the requirements of the bank and the amount. Considering the limited time within which it is necessary to obtain a bank guarantee, its electronic form has become especially popular.

It will help to submit an application to several banks at once and find out the forecast for receipt by purchase number.
The “Guarantee Line” service allows you to undergo checks with banks in advance. After winning the tender, issue a guarantee using the service using a shortened procedure.

Benefits of an electronic guarantee

Among the main advantages of a bank guarantee in electronic form are the following:

The opportunity to receive a guarantee in any region of Russia from the bank that offered the best conditions.
The ability to quickly provide the necessary documents and information to the bank and receive a response from the bank.
Possibility to simultaneously send applications to several banks.

How to issue a guarantee electronically

Get an electronic signature

All documents are signed using a qualified electronic signature certificate (CES). This type of signature gives documents legal force without additional agreements between participants in electronic document flow.

It should be taken into account that for accreditation on six ETPs of government orders, a non-qualified signature (NES) is required. If you are already participating in electronic auctions on government procurement platforms and plan to use bank services via the Internet, it is better to take care of the availability of CEP in advance.

Choose a bank or broker

It is better to find out in advance which banks are ready to issue guarantees in electronic form and what is the limit on the amount of a guarantee issued via the Internet.

A bank issuing guarantees for participants in government procurement under 44-FZ must be included in the relevant register of the Russian Ministry of Finance. There are no such requirements for guarantees in commercial legal relations; you can choose any bank based on its reputation and experience of cooperation.

Prepare documents

The package depends on the bank; the exact list and requirements for scans must be clarified with a specialist or on the guarantor’s website. As a rule, banks require the following documents:

General information about the company: charter, registration certificate, orders for appointments to the positions of manager and chief accountant, TIN and OGRN certificates.
Documents from the tax office: an extract from the Unified State Register of Legal Entities no older than 30 days and a certificate of no tax arrears.
Financial documents: financial statements (forms 1 and 2) quarterly for the last year, profit and loss statement. If the organization is on the simplified tax system, then a tax return for the last financial year is needed. For individual entrepreneurs on OSN - tax return in form 3-NDFL.
Information about the competition: draft contract with all annexes, information about the technical and human resources of the supplier organization.

You will only need to prepare a complete package of documents for one bank once. In the future, you will only need to update the previously sent information.

Get a guarantee

The bank guarantee will be available electronically in your personal account, certified by a qualified electronic signature. If you need a paper version, you can request it from the bank and then pick it up in person or receive it by mail.

From July 1, 2018, the register of issued bank guarantees on the website zakupki.gov.ru was removed from public access. Now only banks and suppliers can check the validity of the guarantee in the UIS personal account. If you are obtaining a guarantee through an agent, be careful. Check the details of the agreement for issuing a guarantee, bank details, as well as the availability of the bank on

What are the requirements for companies to issue a guarantee without collateral? What are the features of obtaining a guarantee from an insurance company? How to conclude a bank guarantee agreement with the help of brokers?

When concluding commercial agreements, the parties cannot be 100% sure of each other. Economics is a complex and unpredictable thing. Customers are interested in the timely and proper completion of the work specified in the contract and therefore have the right to demand documentary guarantees of loyalty from the performers.

Such guarantees are issued by a third party - a bank, which acts as a kind of guarantor of the debtor for obligations.

The purpose of a bank guarantee is to ensure compliance with the terms of the contract. With this document, the customer has the right to compensation in the event that the contractor does not do what he promised under the contract, or does it improperly.

About, how to apply for a bank guarantee, I will tell you, Denis Kuderin, expert of the HeatherBober magazine on economic and financial issues. Be sure to read the article to the end - at the end you will find tips on how to get a bank guarantee quickly, easily and with minimal financial outlay.

1. What is a bank guarantee and why is it issued?

Bank guarantees are used in international trade, in domestic commercial transactions, and in economic interactions between the state and private companies.

A guarantee is a kind of additional insurance for the customer, which compensates his costs in case of dishonest work of the performer.

Example
A little-known but promising private construction company, Foreman, wins the tender for the reconstruction of the central city clinic. The work is large-scale and expensive.
The municipality needs confidence that the work will be completed on time and with high quality. Nobody wants to suffer losses. Therefore, municipal authorities require the company to provide a bank guarantee to secure the contract. The company issues a guarantee in Sberbank and transfers it to the customer.
If the “Foreman” refuses the contract or does not carry out the reconstruction on time, the bank will pay a penalty to the municipality. In the future, the financial institution will recover the money spent from the debtor under the obligations.
Parties to the guarantee transaction:
beneficiary(customer);
guarantee(bank or other credit institution);
principal(executor, debtor of obligations).

In our example, the beneficiary is the municipality, the guarantor is Sberbank, and the principal is the construction company “Foreman”.
How does a bank guarantee (BG) differ from insurance?
Despite all their similarities, there are significant differences between these types of documents:
They are dealt with by different institutions. Insurance companies, in principle, can issue guarantees, but according to new amendments to the legislation in 2015, such documents cannot be considered bank guarantees. They're called - payment guarantees. They will not be accepted as . And this is the most popular area of BG.
A bank guarantee agreement involves 3 parties, not 2, as with insurance.
In the event of a warranty case, the bank acts as a guarantor - it is from it that the customer will demand monetary compensation in the event of failure by the debtor to fulfill its obligations.
The amount of BG sometimes reaches tens and hundreds of millions. Not all insurers are able to pay for such risks.

The initiator of issuing a bank guarantee is always the principal. He pays commissions, because the bank does not enter into an agreement free of charge. A financial institution needs confidence in the client’s reliability, so they do not issue guarantees to everyone. The company must be solvent, stable, successful, and preferably experienced.
It seems that guarantees are needed only by customers of services, but in reality this tool is beneficial to all parties to the transaction.
Advantages of BG:
financial savings for the contractor - he does not need to freeze working capital in his account to secure the contract;
with bank guarantees, companies have the right to participate in an arbitrary number of tenders;
the principal receives an additional incentive to fulfill his obligations efficiently and on time;
The guarantee is issued faster than a loan, and the interest on payments is tens of times less.

Among other things, potential partners have more confidence in companies that use bank guarantees. For small private companies, BGs open the way to major deals and lucrative long-term contracts.
A couple of years ago, registering a BG was much easier. Almost all banks worked in this direction, although the quality of such services often caused criticism. In 2015, with the entry into force of the new law, the number of financial institutions eligible to register BG decreased sharply.

According to the new legislation, BGs are issued only by those banks that are on the official list of the Ministry of Finance of the Russian Federation. The main criteria for selecting banks by the Ministry of Finance are the size of the authorized capital (it must be more than 1 billion rubles) and the absence of claims from the Central Bank.
It is very easy to find out whether a candidate bank is on the list - information is available on the official website of the Ministry of Finance.
The official website of the Ministry of Finance of the Russian Federation will tell you whether your bank has the right to issue a BG
At the same time, the guarantees themselves, which are written agreements, are drawn up in accordance with strict requirements and must be entered into the state register, which confirms the authenticity of these documents.
I will talk about the advantages and disadvantages of each of them.
Option 1. Classic design
“Classic” - for those who are not in too much of a hurry and prefer to process the document themselves, without intermediaries, in a pre-selected bank. As a rule, these are contracts for a large amount - from 20 million rubles.
The document processing time is 14-20 days.
Option 2. Expedited receipt
With expedited processing, the list of documents is shorter, as are the terms for issuing a guarantee. This paper will be made for you in 5 days. True, the guarantee amount is smaller – up to 15 million. This option is often offered by institutions interested in attracting new clients.
The accelerated method is also used by intermediaries - brokers who do paperwork and negotiate with banks on behalf of the client.
Option 3. Electronic registration
The easiest and fastest way. The main disadvantage is the small amount of the guarantee. As a rule, this is 2-5 million rubles. The principal sends documents electronically and receives a ready-made guarantee, also in digital form. All he has to do is print out several copies and give one of them to the beneficiary.
In the table, all parameters of the design options are presented in visual form:
Wanting to save time, some principals draw up documents in dubious intermediary companies that issue them a “gray” guarantee. Such a document is not registered in the state register and has no legal force.
Signs of an invalid warranty:
the guarantee is issued in just a few hours;
Only 2-3 documents are required from the client, and even poor copies will do;
they undertake to deliver the guarantee almost to the office on the day of registration, whereas it is advisable to receive official guarantees directly from the bank;
they do not tell you in which bank the guarantee is issued and they do not give you a phone number where you can contact the financial institution - therefore, it is impossible to confirm the legitimacy of the procedure.

A “gray” guarantee is fraught with losses, fines and a tarnished reputation. The customer will simply refuse to work with you if the document turns out to be invalid upon verification. And he will be absolutely right.
3. How to issue a bank guarantee without collateral - 6 main steps
Banks require collateral from those principals whose solvency they are not sure of. But basically, executors of federal and municipal orders are issued this document without collateral or guarantee. As a rule, this type of collateral is issued at a higher commission, since the bank’s risks increase.
The following can count on the issuance of a BG without additional conditions:
companies that have been operating on the market for more than 3-6 months;
companies that are ready to provide financial statements and prove the stability of their financial status;
companies whose income is comparable to the amount of the guarantee;
candidates who already have experience in similar transactions.

Those principals who have been successfully working in the area corresponding to the agreement for many years will have an advantage.
Stage 1. Selecting a bank
At the time of writing, the Ministry of Finance list includes about 300 banks. If your potential partner is not on this list, look for another organization.
Other important nuances:
it’s easier to register a bank account without collateral in the bank in which you already have an account (provided, of course, that the bank is on the list);
if you have zero experience in preparing warranty documents, act through a broker;
if the beneficiary himself recommends a specific institution, use his advice - your relationship with the customer will immediately become more trusting.

Another important detail is the territory of presence. It is more reliable to work with a bank from your region. This rule does not apply to the option of receiving an electronic guarantee.
Stage 2. Preparation of necessary documents
First, banks conduct a preliminary analysis. This is done in order to make a decision - to say “yes” or “no”.
At this stage the principal will be required to:
application for a guarantee;
brief information about the company (it’s good if it has a website);
an extract from the Unified State Register of Legal Entities received no later than 30 days from the date of filing the application for the issuance of a BG;
financial statements for the last year;
link to the tender (or a copy of the contract).

If the decision is positive, the bank will request other documents. For example, passports of the company’s managers or owners, lists of shareholders, a copy of the company’s charter, certificates from the tax office about the absence of debts, a complete package of documentation for the government contract.
Stage 3. Review of the application by the bank
The classic option requires registration of a BG within 2-3 weeks. During this time, banks check the reputation of the organization, analyze its financial situation, and are interested in work experience.
Stage 4. Conclusion of an agreement
First, study the draft agreement. If some points seem dubious or incomprehensible, you should ask bank employees for clarification. It is much easier to remove unnecessary conditions from the project than to try to retroactively correct the finished document after it has been signed.
When signing a contract, be extremely attentive to details
The contract must indicate all the main provisions relating to the BG. Namely – the rights and obligations of the parties, terms, amount of the guarantee amount. If the guarantee is irrevocable (and another in the case of a government contract will be invalid), this circumstance must be reflected in the contract.
Stage 5. Payment of remuneration
Banks require 1 before 10% from the guarantee amount in a lump sum or in the form of monthly payments during the entire validity period of the document. If you act through a broker, he will also have to pay his percentage, so be prepared for expenses.
Stage 6. Issuance of a bank guarantee
The package of documents issued by banks, in addition to the guarantee itself, includes an agreement on the provision of a bank guarantee, as well as a certified extract from the register of bank guarantees.
Such an extract confirms the authenticity of the guarantee. But just in case independently check the presence of your BG in the register of bank guarantees on the official government procurement website. The customer will also do this after you transfer the guarantee to him.
4. Who provides services for issuing bank guarantees - review of the TOP 3 brokerage companies
Specialized companies will help you issue a bank guarantee quickly and almost without your participation. This is the most reasonable option for those who have never received a BG before and do not want to waste time fiddling with papers and negotiating with the bank.
Brokers know the market very well and will offer the client the most optimal option for document execution that meets the specifics and needs of the company.
The only nuance that is worth paying attention to is that you only need to choose a reliable intermediary who works strictly within the law. You don't need a "grey" guarantee, do you?
Use our expert review, and you will not have any problems with the authenticity of documents.
1) Bureau of Tender Decisions
Broker operating in Moscow and the region. The company's motto is “Fast. Comfortable. Reliable." Works with guarantees 44-ФЗ, 223-ФЗ, 185-ФЗ, that is, draws up all types of guarantee documents. The guarantee amount is any.
The company's partners include 27 well-known banks, including Sberbank, VTB24, Promsvyazbank, Raiffeisenbank and others. Over the years of operation, the Bureau of Tender Solutions has issued more than 900 guarantees worth more than 9 billion rubles. No collateral or guarantees. Calculate the cost of services on the website in advance using a special calculator.
Registration of any bank guarantee within 3 days in full compliance with the law. The company cooperates with 70 banks throughout Russia. Registration – remote, in electronic form. Payment - directly to the bank. Total commission – 2.5%.
Advantages of FLC:
search for individual solutions for each partner - your company will be chosen exactly the bank that ideally suits you according to the terms and conditions of the agreement;
all BGs from this broker are official and entered into the state register;
minimum number of requirements.

If you want to order a guarantee here, just fill out the application on the website, it will take less than a minute.
Guarantee documents for winners of state tenders. Operating in the financial services market since 2013. It specializes in securing government contracts throughout Russia and operates strictly within the law. Offers “express processing” of an application with a 95% guarantee of a successful response from the bank. Each client is supervised by a personal manager who works quickly, professionally and always brings the matter to completion.
5. How to speed up receiving a bank guarantee - 3 useful tips
It’s not easy to get a lucrative contract. Before the customer changes his mind and gives the contract to another contractor, you need to quickly draw up the necessary documents and consolidate your relationship with an official contract. You need to act quickly, including at the stage of securing the contract with a bank guarantee.
Expert advice will help you speed up the process of registering a BG as much as possible.
Tip 1. Use the services of brokerage companies
As you already understood from the previous sections, intermediaries are able to speed up the process of issuing a guarantee by 2-3 times, and sometimes more. Brokers have their own channels of interaction with banks and their own methods of working with documents.
By paying several thousand rubles more, you will save time, plus you will not have to communicate with bank representatives or even visit a financial institution. Intermediaries will do everything for you.
Tip 2. Follow all terms of the contract
If you act strictly within the framework of the concluded agreements, things will go faster. Customers and bank representatives have a more favorable attitude towards performers who strictly fulfill the terms of the contract.

Participation in a major tender or competition for a government order, and even more so a victory in it, is a big plus for the reputation of any company and, of course, a significant profit. However, not all organizations are aware (often even before submitting an application for a tender) that a bank guarantee will most likely be required to ensure the fulfillment of the contract. What this tool is, how to get a guarantee and how long it will take - read our article.

List of banks entitled to issue bank guarantees

A bank guarantee is one of the most common ways to minimize risks: if one of the parties to the contract fears that the other will not fulfill its obligations, then it has the right to request a bank guarantee as security. Essentially, it is a written promise from a bank or insurance company ( guarantor) pay the agreed amount of money to the customer of the product or service ( beneficiary) upon request, if the contractor or supplier ( principal) violates the terms of the contract or refuses to fulfill it.

Government procurement is the most popular area of application of this obligation, so in the future we will focus on them. Thus, according to Federal Law No. 44-FZ of April 5, 2013 “On the contract system in the field of procurement of goods, works, services to meet state and municipal needs” (hereinafter referred to as 44-FZ), financial support is required both at the stage of submitting an application for competition, and to conclude a contract with the winner. In most cases, such security can be a bank guarantee. At the same time, it is beneficial to all parties: the bank receives a reward for issuing the document, the beneficiary receives a guarantee of compensation for losses in the event of failure to fulfill the contract by the principal, and the principal, in turn, may not freeze his own funds during the bidding and execution of the order.

However, it should be noted that in order to use the guarantee to ensure participation in competitions and auctions held under 44-FZ, it must be in strict compliance with the law. It can only be issued by a bank, and not just any bank, but one that meets the requirements of Part 3 of Article 74.1 of the Tax Code. So, today the following is mandatory for issuing a bank guarantee:

the bank has a license from the Central Bank of the Russian Federation to carry out operations. In addition, financial rehabilitation measures should not be applied to the bank;
the volume of own funds (capital) in the amount of at least 300 million rubles;
credit rating from “B-(RU)” by the ACRA agency and from “ruB-” on the scale of the rating agency “Expert RA”, assigned by the Bank of Russia as of the date of sending the information;
absence of debts on bank deposits placed at the expense of federal budget funds;
participation in the system of compulsory insurance of deposits of individuals.

The list of credit institutions that meet all the specified parameters is established by the Ministry of Finance of the Russian Federation. As of February 1, 2019, it included 204 banks. Although at the beginning of 2018 this number reached almost 350 credit institutions. The current list of banks that have the right to issue bank guarantees can be found on the official website of the Russian Ministry of Finance: the data is updated four to five times a month, the list includes both federal and regional banks.

Conditions for issuing bank guarantees

Each bank has the right to independently determine most of the requirements and conditions under which a bank guarantee will be issued. We will look at the most common parameters found in most guarantors.

Requirements for the applicant

A bank guarantee has some similarities with a loan agreement: after all, if the beneficiary receives funds under it, the bank, in turn, will demand their return from the principal. Therefore, the system of requirements for the applicant is similar to those presented when receiving a loan: financial stability of the company, absence of debts and overdue payments, positive credit history, long term of work, and often the provision of collateral or a surety. In addition, the law requires the bank to check information about the founder, director and chief accountant of the enterprise.

Guarantee period

According to No. 44-FZ, the guarantee must be valid for at least a month longer than the contract period. If there is a warranty period for the product supplied, this must also be included in the validity period. The calculation begins from the moment of receipt of the document, unless otherwise stated in the guarantee itself.

As a rule, banks indicate for what period they are ready to issue collateral: for example, Sberbank issues bank guarantees valid from 1 to 24 months according to general rules and up to three years if the borrower meets additional requirements.

Issue date

When applying to the bank independently, the waiting time for the issuance of a bank guarantee is up to two to three weeks, depending on the financial situation of the principal, the type of collateral, the collateral provided and the chosen guarantor organization. There are also brokerage organizations that allow the client to issue a guarantee in a shorter period of time (from three days).

Bank commission for issuing a bank guarantee

The amount of remuneration to the bank for issuing a guarantee is on average 2–5%, but usually no less than 10–20 thousand rubles. Do not forget about additional payments that may be required: opening and maintaining a current account, fines and penalties for late repayment of funds, payment in the event of a warranty claim.

Loan currency

In most cases, a bank guarantee is issued in rubles, however, when working with foreign companies, by agreement of the parties, you can specify a different currency. The use of a “currency clause” is also popular: all payments are made in rubles, but are equivalent to some amount in foreign currency. For calculations, you can use either the official exchange rate on the day of the operation or the fixed one.

Guarantee amount

According to 44-FZ, when participating in government procurement, the supplier is obliged to provide security in the amount of 0.5 to 5% of the initial cost of the contract at the application stage and from 5 to 30% (but not less than the amount of the advance payment, if any) - as security for performance agreement. When working within the framework of the Federal Law of July 18, 2011 No. 223-FZ “On the procurement of goods, works, services by certain types of legal entities,” the maximum amount of the guarantee is not established and is determined by the auction organizers.

Banks, in turn, independently determine the minimum and maximum amount of guarantees issued. For example, Sberbank does not consider applications for guarantees of less than 50 thousand rubles, but the upper limit depends only on the financial condition of the principal. VTB, on the contrary, sets the maximum guarantee amount at 150 million rubles with a collateral or 30 million rubles without it, but does not indicate a lower limit. Credit-Moscow Bank indicates both extreme amounts - from 300 thousand to 10 million rubles.

Guarantee payment refund period

The period within which the guarantor is obliged to satisfy the beneficiary's demands for payment of the agreed amount is usually indicated in the text of the bank guarantee. Most often it is up to three months, but when issuing a guarantee secured by cash or bills of exchange it can be only a few days.

Security

The bank has the right to require the principal to provide security for the issued guarantee. The collateral most often is company-owned real estate, transport, goods, securities or cash. As an alternative or in addition to pledging the property, the bank may require a surety bond. The guarantors can be both the owners of the principal company and other persons, individuals or legal entities.

Many banks also offer guarantees without collateral, but the commission in this case is usually higher, and the chance of approval and the maximum amount are lower.

Insurance

Insurance of property serving as collateral when issuing a bank guarantee is usually not mandatory. However, for some categories of property, for example when pledging farm animals, the bank may require insurance.

Penalty for late reimbursement of payment under a warranty obligation

If the bank violates the terms of payment to the beneficiary, upon the occurrence of a guarantee event, he is obliged to pay a penalty. Its size is usually 0.1% of the refund amount for each day of delay.

Interest rate upon occurrence of a guarantee event

According to the general principle of a bank guarantee, if the principal has not fulfilled his obligations under the contract with the customer, the bank pays the beneficiary the agreed amount of compensation. Next, the guarantor makes recourse claims to the principal: he must return the amount spent to the bank, and with the payment of interest for the diversion of funds.

The interest rate, as a rule, is close to the regular loan rate: its size depends on the financial performance of the principal, the availability of collateral - and usually amounts to 11–25% per annum.

The history of a bank guarantee is not very long - in our country, the first mentions of bank guarantee obligations appeared during the NEP, that is, in the 20s of the 20th century. However, humanity has long been familiar with other ways of securing contracts (even in those days when the word “contract” did not yet exist). Thus, even in the Holy Roman Empire, a builder hired to build a house had to provide a guarantee from the city authorities or from previous clients. The guarantee stated that the contractor was honest, did not steal building materials and completed the work on time.

Procedure for issuing a bank guarantee

To obtain a guarantee, the applicant will have to go through many stages, each of which has its own characteristics and takes a certain time.

Analysis of compliance with bank requirements and collection of documents. Of course, it all starts with the question of which bank is best to contact to obtain collateral. The answer will depend on many factors: the state of the company, the requirements of the auction organizers, the required amount. The duration of this stage is individual for each case: for some it takes place in just a couple of days, for others they spend weeks looking for the best offers on the terms of issuing a bank guarantee from banks in the top 25 ratings. It is advisable to start analyzing and collecting a standard package of documents in advance, immediately after the decision to participate in the auction. Typically, the following types of papers will be required:
- legal- certificate of registration of a legal entity, extract from the Unified State Register of Legal Entities, certified copies of the passports of the founders and director, charter, certificate of registration with the tax authority, as well as certificates of absence of debts to budgetary and extra-budgetary funds;
- financial- financial statements in forms 1 and 2 for the last year for enterprises using the general taxation system, or a tax return and an extract from the book of income and expenses for companies using the simplified system;
- information about the tender- links to the ongoing competition or auction, draft contract, etc.;
- documents confirming the reliability of the principal,- this list usually includes documents indicating the company’s experience, its position in the market, previous participation in tenders and completed contracts, customer reviews, etc. Also, if there is collateral, - documents on ownership of it, appraisal reports .
Transfer of documents to the bank. After collecting all the necessary documents, the applicant submits them to the bank - this stage, most often, takes place in one day. However, sometimes the guarantor requires additional papers, and then the time costs will increase by the period necessary to prepare them.
Analysis of documents in the bank and making a decision. At this stage, the bank verifies the accuracy of all information and documents provided, assesses the solvency of the company and makes a decision on issuing a bank guarantee or refusing the applicant. Formally, the review period is about seven days, but often these periods increase to two to three weeks if additional checks are necessary.
Conclusion of an agreement and issuance of a guarantee. After approval of the application, the company is provided with information about the personal conditions for issuing the guarantee, interest rates, as well as its draft. After final approval, the principal enters into an agreement with the bank and pays the agreed amount of remuneration. Then the actual transfer of the guarantee to the applicant occurs.
Entering warranty data into the Register. According to the law, after issuing a guarantee, the bank is obliged to enter the relevant data into the general register. A period of one day is allotted for this. This stage is final, and immediately after its completion the principal can use the bank guarantee for its intended purpose.

Of course, obtaining a bank guarantee is an extremely beneficial way for organizations to ensure their participation in bidding. However, the process of drawing up such a document is quite lengthy and usually exceeds the established period for concluding a contract, during which the contractor is obliged to provide security. Therefore, most companies are forced to resort to various ways to reduce the time to obtain a bank guarantee.

Where can I get a bank guarantee, properly executed, taking into account all the rules and regulations of the federal legislation (FL) of the Russian Federation? This document is mandatory for every winner of a government tender, and if you are participating in procurement or planning to participate in it, this article is for you. Many companies taking part in competitions do not objectively assess their chances of successful registration and submit their application too late.

For this reason, problems often arise due to haste and turning to intermediaries who use gray schemes. At best, you are simply wasting time; at worst, you are deprived of the right to carry out work under the won contract due to the lack of a bank guarantee as such.

Common problems when trying to obtain a bank guarantee:

The service is provided by a limited number of institutions; the financial institution that services the company is often unable to help a regular customer. As a result, the organization has to establish partnerships with another bank, which significantly increases time costs.
Requirements for the recipient are too strict. Fulfillment of such conditions for a number of enterprises and firms is often not possible.
Submission of an application occurs after winning the auction and simply does not fit into the time frame allotted by law.

What to do if you need to obtain a bank guarantee in a legal way, without nerves and unexpected costs?

Representatives of enterprises that regularly win government tenders most often issue bank guarantees on the website portal. Thanks to the capabilities of the resource, you will start the procedure without leaving the office, you will definitely not receive a refusal, you will submit the necessary documents the first time and without errors, fulfill all the necessary requirements and meet the deadlines established by federal legislation.

What types of bank guarantees are available today?

1.Outdated option. Suitable for companies that are not in a hurry. It is distinguished by the need to submit an expanded package of documents in paper form. Long terms and additional difficulties made this method extremely unpopular immediately after the opportunity to work with electronic digital signatures became available.

2.Electronic variant. Involves working with an electronic signature. The bank guarantee is also provided electronically and is issued via email. This option saves the company from paperwork and significantly saves time. In most cases, the issue can be resolved within four business days.

How to choose a bank to receive a bank guarantee?

Recently, due to changes made to legislation, the list of such institutions has been significantly reduced. Financial organizations with equity capital of 1 billion rubles or more can act as a guarantor. A prerequisite is the absence of regulations from the Central Bank of the Russian Federation. Currently there are less than 400 banking institutions on the list. Their list is updated daily on the website of the Ministry of Finance.

Choose a bank from your region of presence. In this case, the chances of receiving the document are higher, although pleasant exceptions also occur. When ordering an electronic bank guarantee, the application can be submitted from any region of the Russian Federation.

How to get a bank guarantee through the website

To get results as quickly as possible and without headaches, just go through a simple registration procedure on the site. Immediately after this, you will have access to your personal account and start the process in a few minutes.

After entering the TIN, the system will automatically fill in some of the information about your company. It is enough to enter the missing information about the statutory documents into the empty columns once. When submitting subsequent applications, all information is filled in automatically.

Step-by-step instruction

Step #1. You enter the auction registration number into the system. Data on the won competition, from information about the customer to the cost of the contract, is filled in automatically.

Step #2. You check the data entered earlier and enter the missing information into the empty fields.

Step #3. You check the attached documents.

At the final stage, your personal manager will select a list of banks for your company, with the help of which you will receive a bank guarantee with a 90% probability.

Based on the results of the check, the program will generate a table with a forecast of issuance.

The package of documents collected and prepared by you is sent to 30 banks at once. Notifications of new messages will be sent to your new email.

How is the cost of a bank guarantee determined?

The size of the commission is determined as a percentage of the guaranteed amount. The rate ranges from 2% to 10% and is determined by the guarantor who agreed to act as a guarantor. The cost is also determined by the duration and subject of the contract for the issued obligation.

An equally important factor determining the cost is collateral (collateral). In its absence, tariffs for the service are increased at least twice.

The credit payment method is less preferable than the final payment. Therefore, the principal (conducts activities using his own funds) always has the opportunity to pay an amount sufficient for registration.

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Registration on the bank guarantee exchange opens up a unique opportunity for the company to submit an application simultaneously in 30 banks.

This way, you save time and avoid the risk of refusal to issue an undertaking due to a negative decision by one service provider.

The first positive responses come within 24 hours. All you have to do is choose the most convenient option.

Advantages of working with the site

You submit your application online without leaving your office.
Your application is considered by 30 banks at once.
You get access to information about competition winners (more than 2,500 entries), as well as detailed information about suppliers, tenders, customers and contracts.
Go through an expedited procedure thanks to working with an electronic digital signature.
The services of the website portal are completely free.

5 reasons to issue a bank guarantee on the website

Hello, dear colleague! This article will discuss obtaining a bank guarantee. This topic is relevant for most procurement participants who have become winners in government tenders or want to use BG as security for an application. For this reason, I will try to consider in as much detail as possible all the stages of obtaining BG, and will give you a step-by-step algorithm that will allow you to painlessly overcome each stage. There will be quite a lot of information, so you can make yourself a cup of coffee and spend 10-15 minutes studying the article. And so, let's go...

1. The concept of a bank guarantee

Step 2. Find out from the selected bank under what conditions it is possible to issue the required financial statement, as well as what list of documents should be provided to obtain it.

Step 3. Agree on a tariff.

Step 4. Fill out an application for obtaining a BG and send it along with a package of documents.

Step 5. Agree on the BG project.

Step 6. Pay the bill.

Step 7 Get BG.

This is what the process of obtaining a bank guarantee currently looks like.

Actions of the procurement participant after registration of the BG

Step 1. Receive the following package of documents from the banking institution, which should contain:

one copy of the concluded agreement on the provision of a bank guarantee;
the original of the BG itself;
extract from the register of bank guarantees.

Step 2. Check the issued guarantee for its compliance with those established in Article 45 of 44-FZ.

9. How much does a bank guarantee cost?

And at the end of today’s article I would like to say a few words about the cost of a bank guarantee. The process of obtaining a bank guarantee is similar to obtaining a loan from a bank. In essence, this is a service, the cost of which depends on supply and demand for it. And as you know, demand creates supply. Therefore, the cost of registering a bank account in different banks may vary significantly.

Let's take a look at what can affect the final cost of the BG.

Firstly, this is the amount of the guarantee amount.

Secondly, this is the subject and validity period of the BG.

Third, this is the presence or absence of collateral (collateral). A guarantee without collateral costs more. Currently, the commission for issuing BG ranges from 1% to 10%. On average it is 3-5%. Below you will find an example of calculating the cost of a BG provided as security for the performance of a contract.

Example of calculating the cost of a bank guarantee

Let's assume that a procurement participant wins a contract to renovate a kindergarten. NMCC for this facility is 30,000,000 rubles. The amount of contract performance security established in the documentation is 30% of the NMCC, i.e. 9,000,000 rubles. The period for repair work under the contract is 12 months (1 year). For example, let's take the interest rate for issuing a bank account equal to 3%.

Now let's calculate the cost of the BG:

30,000,000 x 30% x 3% x 1 = 270,000 rubles.

Thus, it turns out that in order to receive an order worth 30 million rubles, the winner needs to purchase a BG for 270 thousand rubles, which is much more profitable than withdrawing 9 million rubles from the organization’s turnover for 12 months and transferring them to the Customer’s account.

That's all for today. See you in the next articles.

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