VTB has increased the volume of unsecured business loans

VTB is expanding financing for small and medium-sized businesses using the SME Corporation umbrella guarantee mechanism. According to the results of the first quarter of 2026, the bank took the first place among the program participants: VTB accounted for 30% of all loans using umbrella guarantees. This was announced by Ruslan Yeremenko, a member of the VTB Board, at SPIEF 2026.

VTB estimates that the market is showing a steady shift towards more widespread unsecured lending under the umbrella guarantees of the SME Corporation. With an increase in the total volume of loans, the average transaction size decreases, which indicates an expansion of the range of companies accessing financing, the bank noted. At the same time, regional demand is increasing — the industrial and logistics regions of the Volga region, Siberia and the Urals are showing the highest dynamics, where businesses are actively using credit resources for development and scaling.

"In the first quarter of 2026, VTB concluded 310 transactions, which is 148% more than a year earlier, while the volume of loans increased by 127% and the volume of guarantees by 107%. Such dynamic growth shows that umbrella guarantees are strengthening as a significant market mechanism: through it, access to loans for medium and small businesses is consistently expanding, with positive demand dynamics," Eremenko said.

The most active business attracted funds to VTB through the umbrella guarantee mechanism in such areas as manufacturing, tourism, infrastructure projects, scientific and technical activities, information and communications. Collectively, these industries account for a significant share of transactions, which indicates a high demand for fast and flexible financial solutions from businesses focused on growth and scaling, the bank stressed.