By Information Letter No. IN-03-55/27 dated 08/07/2026, the Bank of Russia recommended that credit institutions and microfinance companies support borrowers affected by accidents in logistics centers, warehouses, production facilities, retail, office and other premises.
The key recommendation is to meet the requests of SMEs, for example, to suspend the fulfillment of obligations. It is proposed to provide support under the bank's own restructuring programs, agreeing on terms with the borrower.
Separately, the regulator has removed a formal barrier: the recommendation is valid regardless of whether the borrower has the right to apply for a loan vacation according to the law. In other words, a company that does not meet the criteria of Federal Law No. 276-FZ can still expect to be restructured according to the bank's internal program.
Three more recommendations relate to debt service conditions. Do not charge the borrower penalties, fines and penalties for breach of obligations caused by the incident. Promptly send an updated payment schedule when the contract is changed. Do not require early repayment of the loan or loan and do not increase the rate on it.
The validity period of the approaches is until August 31, 2027 inclusive, that is, a little over a year.
For sellers and importers, this is the third element of the emerging support package. The Ministry of Finance is working on tax deferrals and accounting for losses when calculating income tax, the Union of Marketplace Sellers is asking the government to reduce commissions, and the Bank of Russia is closing the credit loop.
The legal nature of the document is a recommendation, not an obligation. The bank has the right to refuse, and it will not be possible to challenge such a refusal through a link to the letter.
What a business should do. Apply to the bank in writing, with documentary evidence of the damage: acts, inventory, and notifications from the site or landlord. In the appeal, refer to letter no. IN-03-55/27 — This makes it easier to talk to the credit department. If the bank refuses, it makes sense to simultaneously check the right to legitimate credit holidays under Federal Law No. 276-FZ: there are other grounds, and one does not exclude the other.
Similar materials on the website
- The Ministry of Finance is working on tax deferrals for WB sellers — the tax part of the same support package
- Wildberries granted a reprieve on loans to affected sellers, which the site itself has already done.
