VTB told about SMB's growing interest in express guarantees

In January—February 2026, sales of express guarantees for medium and small businesses at VTB increased by 80% in quantity and by 33% in volume. This was reported by the bank's press service.

"Express guarantees allow entrepreneurs not to divert their own funds to secure contracts, but instead to promptly receive advances and fulfill obligations without loans. With rising costs, this preserves liquidity and gives a competitive advantage in tenders, where speed decides everything," said Ruslan Eremenko, member of the VTB Management Board.

According to representatives of VTB, the growth was ensured by the active participation of the SMB segment in government procurement, the development of digital services and the desire of companies to reduce costs.

Against the background of high demand, the bank was the first among Russian credit institutions to launch express guarantees in a mobile application. The documents are signed using a simple electronic signature via SMS. The decision to issue a guarantee is made within a few minutes, and the client receives the document itself on the same day — within a few hours.

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