Эфир с эмитентом СмартФакт

✅ AVO Investors Association at Max https://max.ru/Bondholders ✅ AVO Investors Association https://t.me/Bondholders ✅ 24/7 Bond Discussion Chat https://t.me/GoodBonds Host: Alexander Rybin, Member of the Board of the AVO Investors Association Guests: Rinal Suleimanov, CEO and Co-Founder of SmartFact LLC Pavel Gusev, First Deputy CEO of SmartFact LLC Nikolay Leonenkov, Director of the Corporate Finance Department of Rikom-Trust Investment Company JSC SmartFact LLC (Moscow) has been operating as a factoring company since early 2015 and specializes primarily in recourse factoring for SME suppliers. A significant portion of the company's clients' business is concentrated in Moscow, St. Petersburg, and the Central Federal District. On September 24, 2025, the Expert RA rating agency assigned SmartFact LLC a credit rating of ruВBB- (https://raexpert.ru/releases/2025/sep..., with a stable outlook. 🌐 Issuer's website: https://smartfact.ru/ 00:00:00 Introduction 00:00:36 Business Model 00:03:47 Factoring Rates 00:05:17 Clients and Diversification 00:08:50 Client Focus 00:12:50 Plans for 2026 00:13:38 Three-Year Strategy 00:15:07 Portfolio Indicators 00:17:50 Turnover 00:18:43 Operating Cash Flow 00:20:56 Financial Performance Analysis 00:24:03 Subordinated Loan 00:27:24 Short-Term Loans 00:28:49 Financial Performance and Litigation 00:30:45 The Role of the BBR Bank 00:35:14 New loan 00:39:03 Issue terms and market