Credit holidays for small businesses and the self-employed

On October 1, 2025, a new law comes into force in Russia, opening up the opportunity for small and medium-sized enterprises (SMEs), as well as the self-employed, to receive credit holidays. Law No. 276-FZ was signed on July 31, 2025 and has already been published.

What does this mean for entrepreneurs?

During the credit holidays, borrowers will be able to temporarily suspend loan payments without the risk of fines and penalties. At the same time, interest will continue to accrue on the main debt. All but the self-employed and microenterprises are required to repay them during the grace period.

Key vacation conditions:

🔹 Maximum loan amounts:

🔹 The duration of the holidays is up to 6 months. After their completion, payments are resumed in full.

Banks will not be able to refuse a borrower if he falls under the terms of the law.

When does it apply?

The innovation applies to loan agreements concluded starting from March 1, 2024.

Thus, the government is taking a step towards supporting small businesses and the self-employed, providing them with a tool for temporary financial respite in difficult economic conditions.

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