Financial Solutions for Your Business
Comprehensive Financial Services
Long-Term Partnership
Based on Trust and Mutual Benefit
Long-Term Partnership
Based on Trust and Mutual Benefit
About Us: Reliability Proven Over Time
FINEX is a company specializing in comprehensive financial services, including factoring, bank guarantees, and international trade (cross-border) solutions. Founded on March 25, 2013, FINEX has established itself as a reliable and stable partner for large businesses, providing effective financial solutions.
FINEX: Financial Solutions for Your Business
We provide stability and reliability for your business through flexible, tailored financial solutions.
Ensuring Stability
We aim to provide financial stability and reliability for our clients by offering time-tested solutions that help them navigate market challenges.
Flexible Solutions
We develop tailored financial solutions designed to meet the unique needs of each client, enabling you to manage cash flows as efficiently as possible.
Long-Term Partnership
We build relationships based on trust and mutual benefit, supporting the growth of our clients’ businesses at every stage of their development.
FINEX Provides Solutions to Help Your Business Adapt Effectively to the Current Environment
Amid ongoing sanctions pressures on the Russian banking system, a significant number of Russian importers—particularly those working with foreign holdings or parent companies—have faced restrictions on conducting international payments. Exporters may not accept deferred payment guarantees from Russian banks, and access to traditional short-term financing instruments, such as factoring, is limited.
PROCESS FOR INTERNATIONAL PAYMENTS
The diagram illustrates two options:
Through a payment agent
Via a Russian bank with active correspondent accounts in foreign banks
(in the UAE, China, Turkey, India, Kazakhstan, and others).
Payment Request
Workflow Selection:
Via a Payment Agent
Direct Payment
- Opening a Settlement Account with a Partner Russian Bank
- Direct Payment from a Russian Bank to a Foreign Bank
Payment to a Foreign Counterparty
- Transfer of Funds to a Payment Agent
- Confirmation of Receipt of Funds
Transfer of Funds to a Foreign Counterparty
FACTORING WORKFLOW
The diagram presents two options:
Through a payment agent
Via a Russian bank with active correspondent accounts in foreign banks
(in the UAE, China, Turkey, India, Kazakhstan, and others).
- Delivery of Goods on Deferred Payment Terms
Master Factoring Agreement
Assignment of Monetary Claims
- Financing of up to 100% of the Delivery Value
- Notification of Assignment of Monetary Claims
- Deferred Payment
INTERNATIONAL BANK GUARANTEE WORKFLOW
The diagram presents two options:
Through a payment agent
Via a Russian bank with active correspondent accounts in foreign banks
(in the UAE, China, Turkey, India, Kazakhstan, and others).
- Sales Contract
Application for an International Bank Guarantee
Agreement on the Terms of the Bank Guarantee Issuance
Execution of the Paid Services Agreement
Execution of the Bank Guarantee Issuance Agreement with the Guarantor Bank
- Payment for Issuance of the Bank Guarantee to the Guarantor Bank
• SWIFT
Delivery in Accordance with the Sales Contract
Our Achievements
₽43 billion — volume of projects completed from 2022 to 2025
Over 250 corporate clients
Strong partnerships with foreign institutions and banks
Operations fully compliant with Russian legislation and international standards
