Opening your own business is the dream of many people, but any business needs money, and saving it for 10-20 years is not an option, you need to implement a business idea here and now. What to do? Well, of course, look for borrowed money, and for this you can take a loan for a business from scratch at Sberbank or a loan for an individual entrepreneur.

Why Sberbank?

In fact, it doesn't matter in which bank and from whom to borrow money, the main thing is that they be as cheap as possible. And Sberbank seems to be offering more or less acceptable lending conditions. In addition, Sberbank currently has the most working capital, the chance to get a loan from it increases by an order of magnitude.

And, of course, no one has canceled the stereotypical thinking of the population - Sberbank is in the minds of a Russian citizen, it is practically a state-owned bank, it is stable and loyal to the implementation of state programs for the development of small businesses.

That's just a small business is bent from year to year, it would be better if no one helped him! But now is not about that.

So take a business loan from scratch at Sberbank, or at least a loan for an individual entrepreneur?

Sberbank has such a loan program - Business Start, which allows young entrepreneurs to get a business loan from scratch.

ATTENTION! WITH 2016 Sberbank canceled the Business Start program for young entrepreneurs who want to organize their business from scratch with borrowed funds. The country is in a terrible economic crisis. Sberbank no longer believes in the profitability of small businesses and does not believe that any business can pull their interest rates! Otherwise, instead of the canceled Business Start program, another program would have been offered, but it was not offered. Draw your own conclusions!

And indeed, this is a good program, although it has its own "tricks":

• you do not have to have an active business
• you must invest in the financed business 20% of the equity
• Borrower must be under 26 years, not older
• and the borrower must pass a training entrepreneurship course
• a loan for a business from scratch in Sberbank can only be obtained if you provide a business plan, and it will be approved by Sberbank
• or if you register a franchise of a well-known brand (in this way, you sort of go through a double stage of selection for the seriousness of your intentions, the first stage for the franchisee, the second for Sberbank)

As you can see, the conditions for lending to a young IP in Sberbank are not sugary, and this is not to mention the fact that you need to collect huge piles of documents at each stage of application approval, and the process of obtaining a loan stretches for months.

And what do you get by fulfilling all these requirements:

• loan up to 3 million rubles
• loan term up to 3 years
• interest rate from 18.5% per annum, its size depends on the loan amount, term and in general on your candidacy

There is one more "BUT" - Sberbank is no longer engaged in lending under the "Business Start" program and in general is no longer engaged in issuing loans for businesses from scratch.

So what to do?

Try to get a different type of loan for individual entrepreneurs, on conditions different from Business Start!

Other credit programs for individual entrepreneurs in Sberbank

Express loans

Sberbank distributes express loans to entrepreneurs only on the terms of providing immovable collateral, for example, an apartment or commercial real estate. And the purpose of the loan depends entirely on the type of express loan.

Kinds:

• Express Mortgage
• Express loan secured

An express mortgage can be issued for the purchase of residential or non-residential real estate, and an “express secured loan” is issued for any purpose.

Loan terms:

• loan term up to 10 years
• interest rate from 16.5%
• amount up to 7 million rubles
• loan collateral - immovable property
• personal guarantee required
• opportunity for free

Requirements for borrowers:

• age from 23 to 60 years
• business experience of at least 12 months
• business turnover up to 60 million rubles
• required to have a checking account

Loans for any purpose

A loan for an individual entrepreneur in Sberbank can also be obtained in the form of trust loans:

• credit "Trust"
• credit "Business Trust"
• loan "Business Project"

The loan terms are very simple:

• minimum loan amount 30,000 rubles
• maximum loan amount up to 3 million rubles
• loan term up to 48 months
• annual interest rate from 18.5%
• collateral is not required
• but required
• purpose of lending is not required
• you can issue a security in the form of a Guarantee, which will reduce the interest rate
• the bank is required to evaluate all economic activities of the entrepreneur

Read also

Secrets of the scheme - I will issue a loan for interest

Requirements for an applicant for a business loan at Sberbank:

• annual turnover up to 60 million rubles
• business life of at least 24 months
• the age of the borrower is from 23 to 60 years old (and where can a young person get a loan at 18, read here)
• registration in the Russian Federation

Documents for a loan for a small business in Sberbank:

• completed application for a loan, according to the rules and regulations of Sberbank
• Russian passport
• military ID for men
• TIN, certificate of registration as an individual entrepreneur
• founding documents
• copies of licenses for the right to conduct activities
• lease agreements or ownership of the premises involved in the business
• extract from the tax office
• financial statements for the last period of time
• tax reports on payment of taxes
• documents of the guarantor (passport, certificate 2NDFL, TIN)

All these conditions and requirements for non-purpose loans at Sberbank for the development of small businesses mainly apply to two programs (loan "Trust Standard" and credit "Business Trust"), but the conditions for the program "Business Project" are somewhat different from them.

Differences:

• individual lending conditions negotiated directly with Sberbank at the stage of making a decision on project financing
• instead of a simple loan, a credit line can be opened or an investment portfolio of up to 200 million rubles can be allocated
• individual loan terms
• opportunity
• reduced interest rate, from 14.5% per annum
• own investments in the borrower's project should start from 10%
• possible collateral must be insured
• the company's annual turnover should be up to 400 million rubles
• the age of the borrower is up to 70 years
• 12 months business experience

Loans to finance working capital

In Sberbank, it is also possible to take out a loan for individual entrepreneurs to replenish working capital if your business is growing strongly and you do not have enough own funds. Of course, you need to use borrowed money!

Loan programs for loans for individual entrepreneurs:

• Business Turnover
• Business Overdraft

Terms of lending under the program "Business Turnover":

• amount up to 3 million rubles, but it all depends on the borrower
• company turnover up to 400 million rubles per year
• 3 months business experience
• up to 4 years
• interest rate from 14.5%
• either a guarantee of individuals is required, or, or a pledge of inventory items
• the ability to repay the loan ahead of schedule (and how to write an application for early repayment,)

The Business Overdraft program involves lending
entrepreneurs who have active settlement accounts with Sberbank, thus the funds on the accounts are a guarantee of the return of borrowed money.

Terms of lending under the program "Business Overdraft":

• amount up to 17 million rubles
• up to 12 months
• interest rate from 13% per annum
• commission for opening an overdraft 1.2% of the loan amount
• security in the form of a guarantee of individuals
• no insurance required
• business age at least 12 months

Loans for the purchase of capital goods

A loan for a business from scratch in Sberbank can also be obtained in the format of a specialized loan for the purchase of means of production (machines, real estate, land, equipment, cars, etc.).

Loans for the purchase of means of production at Sberbank do not differ in terms from similar loans from other banks, and are somewhat similar to. Everything is the same - you need to collect a bunch of documents, make an initial payment of 20% or more, and immediately pledge the acquired means of production.

Credit programs:

• Business Asset, up to 7 years, amount from 150,000 rubles, rate from 14.5%
• Business Auto, up to 8 years, amount from 150,000 rubles, rate from 14.5%
• Business Real Estate, up to 10 years, amount from 150,000 rubles. , rate from 14%
• Business-Invest, up to 10 years, amount from 150,000 rubles. , rate from 14.4%

Loans for bidders

Loans for individual entrepreneurs in Sberbank can also be issued to participate in state and other tenders, because this also requires significant funds, not only to implement the won tender, but also to apply for participation.

Programs:

• Business Contract
• Business Guarantee

Conditions and requirements for the Business Contact program:

• the opportunity to receive a loan for the execution of contracts within the country and for export contracts
• opportunity to get a loan up to 80% of the contract amount
• in the form of a loan or a non-revolving line of credit
• the ability to adjust the loan repayment period to the schedule of receipt of proceeds from the won tender
• loan term up to 36 months
• rate from 14% per annum
• loan amount from 500,000 rubles to 200 million rubles
• security is required in the form of a guarantee of individuals, a pledge of property and rights under a contract
• commission for servicing loans issued for the implementation of export projects ranges from 1.5% to 70% of the loan amount
• "Business Contract" issued only to residents of the Russian Federation with at least 3 months of business experience

WITH "Business Guarantees" from Sberbank, everything is a little more complicated - this is not a typical loan, it is a symbiosis of insurance against the occurrence of an insured event. Simply put, if you are fulfilling a contract, but you are not sure that your own funds may be enough, you are not sure that a cash gap will not appear, in this case, you can contact Sberbank to insure you with borrowed money if a cash gap appears.

Evgeny Malyar

# Business loans

Conditions for business loans

Sberbank of Russia was founded in 1841 by Emperor Nicholas I. Now 70% of Russians use the services of a financial institution.

Article navigation

• Terms for legal entities
• Requirements for an LLC applying for a loan
• Types of Sberbank loans for entrepreneurs
• What is known about the loan "Trust"
• Business loan from scratch
• Business plan requirements
• Development loan
• What documents are needed to get a development loan
• Loan calculator for business under the terms of Sberbank
• How to Avoid Rejection
• conclusions

Business support is a matter of national importance. We are talking primarily about the money required to open and expand the business. There are many credit institutions in Russia that finance entrepreneurial structures, but Sberbank certainly plays the main role in this process.

The reasons for leadership, firstly, in the unique financial opportunities: more than half of the country's citizens trust this bank with their savings. Secondly, who else should support domestic business, if not a state organization?

Get 2 million in Tinkoff

The article will describe in detail the conditions of lending - the amount, term, rate, to whom they give and for what they give. Can an individual entrepreneur come to a branch of Sberbank and apply? What documents are needed to receive? How much can he claim? Will they give money? What types of loans are offered? We will try to answer these questions in our review.

Terms for legal entities

Firms representing small and medium-sized businesses can be formalized as limited liability companies or private enterprises. Each business structure has the right to apply to Sberbank for a loan under one of the existing programs, with the issuance of a loan secured by property, without it, or under the guarantee of third parties.

Requirements for an LLC applying for a loan

In most cases, it is impossible to open a company with the money borrowed from Sberbank. The exception is the Business Start program (for individual entrepreneurs), which will be discussed in detail below.

An enterprise applying for a loan must already exist for at least six months - this is the established procedure. Startups are adventurous by nature, and the investor for them will most often have to be found elsewhere. Operating firms have the opportunity to use Sberbank lending programs for the following purposes:

• replenishment of working capital;
• financial support for leasing transactions;
• refinancing of other loans (non-overdue);

Refinancing

Only a few Russian banks, including Sberbank, are engaged in this type of lending. Refinancing of loans from other financial institutions is carried out in three packages, the common requirements for which are the requirements to limit the annual turnover to 400 million rubles. and the absence of overdue debt obligations to third-party creditors.

1. Refinancing of business turnover. This banking product should not be confused with the previously mentioned ObS loan program of the same name. The similarity of the name is due to the fact that in this case, loans taken for the purchase of working capital are refinanced not from Sberbank, but from other banks. Minimum amount- 3 million rubles. at a rate of 14.55%.
2. Business Invest. As the name implies, we are talking about refinancing investments and loans taken for the modernization or repair of fixed assets. The minimum amount is 3 million rubles. at a rate of 14.48% per annum. The loan is granted for up to ten years.
3. Business Real Estate. The name of the program is also "speaking". Sberbank refinances real estate acquired on credit from other borrowers in the amount of up to 150 thousand rubles. with a maturity of up to ten years at an annual rate of 14.28%.

Corporate lending

The program is offered to legal entities that have been cooperating with Sberbank for a long time and have a good reputation. Corporate lending implies the use of individual preferential rates, depending, among other things, on the “length of service” of service, although other factors also influence, the most important of which is turnover. It is usually issued without collateral and guarantors.

What is known about the loan "Trust"

The special loan of Sberbank "Doverie" is mainly intended for small businesses (with an annual turnover of up to 60 million rubles), including for individual entrepreneurs, although medium and large firms can also take advantage of this offer.

The advantages of this banking product are obvious:

• the opportunity to take a loan to individual entrepreneurs without collateral and guarantors (the interest rate will be slightly higher);
• simplicity and speed of registration (up to three days);
• amount up to 3 million rubles;
• favorable annual rate;
• the absence of a mandatory designated purpose, which is also especially valuable for individual entrepreneurs.

The non-purpose nature of the loan creates certain risks for the bank, which is the reason for the increased rate in the absence of collateral - the annual overpayment in this case is 18.5%. If there is a pledge or guarantor, the percentage is lower - 14.52. About why the money is needed, Sberbank will not be asked.

Another non-purpose loan from Sberbank is called Express. Borrowing of funds is carried out only on the security of real estate or other valuable property (for example, technological equipment) in the amount of 300 thousand to 5 million rubles. for up to four years. The interest rate in the "fork" is 15.5-19%.

Business loan from scratch

A citizen who decides to open his own business can overcome the obstacle in the form of a lack or lack of initial capital. In Sberbank, the Business Start program allows novice entrepreneurs to take a loan under a business plan. In order to receive funding, a number of mandatory requirements must be met.

Business Start is an exclusively targeted loan. This means that the borrower is obliged to provide the lender with full information about what the funds received by him will be spent on, and subsequently strictly follow the approved plan. Loan conditions for opening a small business under the Business Start program:

1. The repayment period is up to 42 months.
2. The minimum loan amount is 100 thousand rubles, the maximum is 3 million rubles.
3. The type of repayment is annuity, that is, in equal shares.
4. The interest rate depends on the agreed loan term: from six months to two years - 17.5%; from two to three and a half years (42 months) - 18.5%.
5. Mandatory submission of a business plan.

Business plan requirements

As a rule, a borrower seeking to use the Sberbank Business Start program does not have money or liquid property. It is clear and logical that the lender seeks to secure his investments, which are actually made without collateral. The process of drawing up a business plan is clearly regulated and involves the following two methods.

Use of a standard sample developed at Sberbank

While doing the work on drawing up the basis of a business plan for the borrower, Sberbank pursues its own interests: it minimizes the risk of non-repayment. This shows the commonality of the aspirations of the lender and the credited party to the success of the opened business. This goal is facilitated by the adaptation of a standard business plan to regional characteristics and the rich experience gained by Sberbank specialists - they know the typical mistakes and the main reasons for the ruin of novice businessmen.

Starting a business based on franchising

Opening an enterprise operating under a well-known brand most often results in a regular income for the borrower. Sberbank is interested in the solvency of the client. In addition, the franchise holder (franchisor) often acts as a guarantor. He also wishes success to his franchisee (purchaser of the franchise right), as he receives income from him. An important condition for this option is that the client has some initial capital in the amount of a fifth of the cost of the franchise (Sberbank issues 80% of the required amount).

As collateral assets are the assets of the enterprise acquired on the issued loan. It is necessarily insured during the entire loan period - this also entails additional costs that should be taken into account. The list of recommended franchises is provided by Sberbank.

Development loan

If the enterprise is already operating, and there is no need to start from scratch, there is still often a need to find additional funds. It is not very easy to get a loan for the development of a small business at Sberbank: each application is carefully studied, analyzed, and the decision to approve a loan is not always made. Reasons for rejection may include the following:

• Financial insolvency of the client. If an enterprise does not have liquid assets and has not been able to achieve significant success during its operation, then there is also little reason to hope for them in the future.
• Bad credit history. If previous loans were serviced problematic, then it hardly makes sense to deal with such a client.

What documents are needed to get a development loan

The lending process begins with filling out an application form. This happens most often in the nearest branch of Sberbank. Consideration of the questionnaire and verification of the reliability of the information indicated in it lasts about a week. After that, the client is informed of the list of documents and certificates required for presentation, including (most often) about guarantors.

The guarantor (individual or legal entity) must provide a 2-NDFL certificate and a tax return, that is, confirm their real solvency.

Documents to be submitted by the potential borrower:

• For individual entrepreneurs - a passport of a citizen of the Russian Federation and a certificate of state registration.
• The conditions for an LLC are standard in all banks: a constituent package, a copy of the charter, a certificate of tax registration, licenses (if the profile of activity requires it) and other documents.

The list can be supplemented in each specific case. Its final version will become known to the borrower only after reviewing the questionnaire. As a rule, conscientious clients have no problems in providing the required package.

Loan calculator for business under the terms of Sberbank

With all the abundance of information about lending conditions, not every potential borrower immediately decides to apply. The reasons are various, including psychological. An entrepreneur who wants to take a loan for a business from scratch at Sberbank may simply be afraid of refusal or believe that he will “not pull” the payment of accrued interest.

An objective assessment by potential clients of their chances and conditions is facilitated by a loan calculator, using which anyone can make a preliminary calculation of such parameters as:

• interest rate;
• the total amount to be paid;
• overpayment amount.

The result can be obtained in the form of a table with a loan repayment schedule with details of payment dates, amounts of residual debt, etc.

This tool is available on the Sberbank website or at the link below. The service is primarily of interest to small businesses. The staff of small enterprises may not have qualified economists or financiers who can accurately calculate all these parameters under given conditions. It is for this reason that the loan calculator for individual entrepreneurs is especially valuable.

If the results of preliminary calculations generally satisfy the potential client, it makes sense for him to get more detailed information at the nearest branch of Sberbank.

Calculator

How to Avoid Rejection

The difficulties associated with obtaining a targeted loan encourage some individual entrepreneurs to go to various tricks in order to get the amount required for the business at any cost. How to get a loan in Sberbank in cash, so as not to be refused?

To begin with, you should know that success, first of all, is facilitated by opening an account with a borrowing bank. If the financial activity of an entrepreneur is fully controlled, there is more confidence in him.

Even a not very “beautiful” credit history can be compensated by the absence of debts for at least the last six months - evidence that the client has “corrected”, and he is doing better than before. Other loans are issued according to the same rules, for example, consumer credit which is issued online or in the branch.

Almost all issues are removed if there is reliable property security or a guarantee of the guarantor.

Sberbank is in some competition with microfinance organizations that issue an urgent smart loan for individual entrepreneurs. There are no such proposals from the state in 2018. The interest on these loans is very high, and the conditions, as a rule, take into account the critically hopeless condition of the borrower. It is more difficult to get a loan at Sberbank, but it is easier to pay on it.

conclusions

Sberbank offers several lending programs for small and medium-sized businesses on acceptable terms. At the same time, each situation corresponds to its own target orientation of the loan:

• For prompt replenishment of working capital - the programs "Business Turnover" and "Business Trust".
• For the purchase of equipment, a loan is taken from "Business-Active", "Express-Active" or "Business-Invest".
• To purchase vehicles, it is best to use the Business Auto or Express Auto programs.
• Production areas, warehouses, offices - "Business Real Estate" (purchase) or "Business Rent" (rent).
• For investments of borrowed funds in engineering developments, the Business Project loan program is best suited.
• For start-up entrepreneurs, the Business Start package is optimal.

Such a wide variety is explained by the simplicity of classifying the purpose of a loan as a banking product.

The interest rate depends on the amount, terms, degree of security and other characteristics. It will be approximately the same, other things being equal. You can pre-calculate the rate on a public loan calculator on the Internet.

Like any public institution, Sberbank is a somewhat bureaucratic structure. This shortcoming is compensated by the good conditions offered to customers.

Wanting to organize their own enterprise, many are faced with a lack of sufficient funds. Getting a bank loan to start your own business helps to solve this problem. Often a loan to start a business is the first step on the way to private entrepreneurship.

Is it possible to get a business loan from scratch

Taking out a loan to develop your own business is considered a risky deal for a banking institution. There is no absolute guarantee that a loan to start a small business from scratch will be paid off. In case of bankruptcy, a newly minted entrepreneur may declare himself bankrupt in a month and refuse to return cash. However, funding for entrepreneurship is gradually being restored. It is possible to take a loan for a business from scratch, subject to strict conditions.

Under what conditions is a loan issued for a business from scratch

The probability of obtaining a loan for a startup increases if you have:

• Good credit history. Lack of successful past loans, outstanding or late payments can lead to a refusal to grant a loan.
• Competent business plan. The obvious possibility of making a small but stable income from their business will incline experts to make the right decision.
• Parallel employment. A stable income allows you to safely repay a loan to start a small business from scratch.
• Collateral property. This is a solid money-back guarantee that speaks volumes. serious attitude client for lending.
• Third party natural person as a guarantor.
• Starting capital, which is at least a quarter of the required amount.

Which banks issue loans for small businesses from scratch

Those who wish to organize their own business can use the help of financial institutions. A small business loan from scratch is issued in:

• VTB24, offering the lowest rates for legal entities, a variety of conditions. The requirements for LLC and sole proprietorship differ significantly. Loans often require real estate as collateral.
• Sberbank, which issues loans under the Business Start product. Funding is provided for the developed project. It is possible to work as an entrepreneur on a franchise.
• Rosselkhozbank, representing various loan products for the development of small businesses. There are no limits on the amount.
• Alfa-Bank, among whose proposals there are only two types of financing. At the same time, management declares working with small and medium-sized enterprises as a priority.

Banking Methods for Small Business Loans from Scratch

The challenge for financial institutions is to determine the degree of risk in lending to small businesses. Banks use two methods, one of which is the review of the application by experts. The decision to lend depends on the result of a subjective check. Another way to determine the degree of risk is to use an automated "scoring" system, first tested 50 years ago. An unbiased program counts points, sums up the results based on the data entered in the client's questionnaire. Types of scoring:

1. by points (you need to get a certain amount, most of those who apply do not pass it);
2. against fraudsters (through behavior analysis, it identifies factors that indicate a non-purpose loan, a potential threat to bank funds);
3. against irresponsible clients-borrowers (delay is being studied).

How to get a loan to start a small business from scratch

Providing a profitable loan to start your own business involves a strict procedure. How to get a loan to start a small business:

1. You should send an application to the bank. The appeal indicates the type of activity, the lending program.
2. Next, you need to provide information about the financial condition of the small business. The amount of profit, credit history are important.
3. Then the accepted application is considered, the terms of the loan are approved - the amount, terms, type of loan.

A loan to start a business from scratch in Sberbank

A loan for a startup, starting a business can be issued at a bank branch. How to get a loan to open a business in Sberbank? For this you need:

1. Contact the institution, having a package of documents with you.
2. Choose the right loan program.
3. Get registered with the tax office as an individual entrepreneur, go through the registration in the USRIP.
4. Consider franchising programs offered by Sberbank partners.
5. Choose the right franchise.
6. Detailed development of a business project based on the selected program. It is required to create a marketing plan, determine the location of the office and other nuances.
7. Prepare a package of documents for a loan to start a small business from scratch. The set includes the original and a copy of the passport, TIN, IP registration confirmation, commercial plan.
8. Apply for a small business loan.
9. Collect a sum of money (30% for the first installment).

How to increase your chances of getting loans to start a business

Wanting to take a loan for his business, a novice entrepreneur should choose as carefully as possible the bank in which he will be served. Nuances:

1. When deciding on a financial institution, you need to ask what offers it has for small businesses.
2. Useful advice from partners, friends who work with a particular bank.
3. Loans are more readily issued for an already developing business. An application with an attached project has little chance of financial support.
4. It is desirable that the enterprise be solvent, exist for at least six months.
5. An additional factor in favor of the bank's consent to grant a loan is the presence of collateral. Real estate, cars, technical equipment are considered as collateral.

How else to get a loan for start-up entrepreneurs

An alternative way to receive financial assistance is consumer lending. A loan can be issued to an individual in a company or online. The property is used as collateral or support for guarantors. Such loans are unprofitable for the entrepreneur due to inflated interest rates. Remember: in many regions there are funds that support small businesses. These organizations act as guarantors for loans from the state or issue small concessional loans to entrepreneurs themselves.

Video: do I need a loan to start a business from scratch

Have you decided to apply for a business loan from scratch at Sberbank, but would like to read the full terms of lending and customer reviews first? This informational overview will help you find out if the offer offered by the bank is profitable and how you can get it.

What advantages does the bank offer you:

• Starting capital in the amount of up to 80% of your project financing inclusive;
• Providing a loan to start your own business from scratch for a large amount up to 7 million rubles;
• The possibility of drawing up a contract for a long period of up to 60 months;
• There is no mandatory requirement for additional security (collateral, guarantors);
• You can choose the business model yourself, i.e. open a business under a well-known brand of a franchisor or draw up a typical business plan developed by a partner of Sberbank;
• You will be provided with informational support at the stage of starting a business, will carry out all the necessary consultations;
• The client gets the opportunity to study the course "Fundamentals of Entrepreneurship" online for free.

All this will allow you to realistically assess your capabilities, find possible risks and reduce them to a minimum at the start. How to start an entrepreneur when starting a business is written in this article.

What should a potential borrower do?

• Contact the branch of Sberbank and fill out an application for a loan;
• Study the multimedia course from the bank offered to you on the website;
• Wait for the preliminary approval of the bank;
• Get approval from the franchisor or your chosen bank partner;
• Register as an individual entrepreneur or LLC (we are talking about this);
• Provide a package of documents, get approval;
• Make the first installment, sign the contract and start your business.

From loan terms:

• For the franchisor's business model or a typical partner's business plan, the rate is 18.5% per annum. The amount is from 100 thousand to 3 million rubles, the loan period is 42 months, the first installment is from 40%. You will be able to get a deferral for repayment of the principal debt for a period of up to 6 months. In the first case, the pledge of the acquired property or the guarantee of an individual will serve as collateral, in the second case, the guarantee of a bank partner can be used. The age of the borrower can be from 20 to 60 years inclusive;
• To open a pub according to the Harat's franchisor model, you can apply for an amount from 3 to 7 million rubles inclusive. The crediting period is 60 months, a deferment can be granted for a period of up to 1 year. The age of the client is from 27 to 60 years old inclusive.

Mortgaged property is subject to compulsory insurance. The rating of insurance companies is presented in this article. Of the required documents, you need: a Russian passport, a military ID or registration certificate, financial documents of a legal entity or individual entrepreneur.

If you want to know how to get a loan without refusal? Then go through

In the article, we have compiled a list of 12 largest banks that give entrepreneurs and organizations a loan to start a business from scratch. Also from the article you will learn what documents are needed to obtain a loan, what are the conditions for lending and how to get a loan.

Which bank to get a loan to start a business

Rates may vary depending on the region of the country. Most banks offer an individual approach to entrepreneurs, choosing for them the maximum loan amount and interest rate, in relation to the risks of the business plan, the amount of collateral and other parameters. Therefore, the specified data is not always unchanged.

How to get a small business loan from scratch

The path to begins not with a visit to the bank, but with preparation.

First of all, you need:

1. . A detailed description of the project, the directions of its development, will be needed in any startup. It is on the basis of this document that potential investors form a picture of the business and decide whether it is worth investing in it. It is advisable to include in the business plan all accounting calculations, a market overview, a work plan and a loan repayment schedule.
2. Define bail. Of course, in theory, a loan for opening an individual entrepreneur can be obtained for one “beautiful” business plan, but in practice, banks are wary of entrepreneurs who do not have real estate, a car or other valuables that can act as collateral. The businessman himself should also not forget that the loan will have to be repaid, and even with rather big interest. Therefore, before going to the bank for a loan, you need to take care of your own "airbag" - cash savings or property (real estate, car, securities and stocks).
3. Register an individual entrepreneur or LLC. To obtain a business loan, you will need documents confirming that the person is registered with the tax authorities as an entrepreneur.
4. Select a bank. You need to study not only the tariffs of banks, but also reviews about them. Only directly the clients of the institution can tell about all the pitfalls of the service.

When the preparation is over, the bank is selected, you can apply. You can do this at a bank branch or online.

Step-by-step instruction

Consider obtaining a loan to start a business using the example of visiting Sberbank:

1. Fill out an application form, which contains information about the entrepreneur and his intentions regarding obtaining a loan.
2. Select a lending program to start or.
3. Submit documents to the bank along with an application for a business loan.
4. Pay off the down payment, or pledge valuable property.
5. Get the required amount and start your business.

Online application

Most banks today accept applications for a loan via the Internet. For this you need:

1. Go to the bank's website;
2. Find the "Small Business Lending" section;
3. Fill out the form with full information;
4. Enter your phone number;
5. Submit the form for consideration and wait for a response.

Small Business Loan Approval Conditions

A loan agreement between a bank and an entrepreneur carries risks for both parties. The lender will not be happy if the borrower receives the money and disappears or fails to repay the debt. Therefore, before issuing a loan, the bank finds out the following information:

• how much is required and for what needs;
• the entire amount is needed by the borrower at once or in several payments;
• what is the planned profit of the enterprise, how stable;
• what is the planned income of a businessman, taking into account the necessary payments on the loan;
• whether there are dark spots in the applicant's credit history.

How to get approved for a loan

When an entrepreneur comes to a bank seeking a loan for a start-up in the small business sector, the specialists of the financial institution require certain guarantees from him. These include:

1. Good credit history. If a businessman has overdue or outstanding payments behind him, the chances of a new loan are reduced to almost zero. Financial institutions prefer not to deal with unscrupulous borrowers.
2. Mortgaged property- an indicator of a serious approach to credit. It is better to think about what can be pledged to the bank in advance and stock up on documents confirming the ownership and value of the property.
3. Competent business plan, reflecting confidence in obtaining a stable income.
4. Parallel Income. If the entrepreneur is employed in a stable job or has other income that does not depend on the new business, then his chances of repaying the loan in the future increase. Income is confirmed by a 2-personal income tax certificate.
5. Guarantee. A natural or legal person with a favorable credit history can vouch for the borrower.
6. Starting capital more than 25-30% of the required amount. Starting a business still requires some savings. Starting a business with a loan is always risky, and even more so, you should not expect that the bank will issue a loan for the full amount needed for a startup - you still have to invest some personal funds.
7. Franchise. Banks are more willing to lend money for a proven brand than for a brand new venture. Therefore, if something is not right in other points, it is better to think about buying a franchise, this will increase the chances of obtaining a loan.

There are other factors that, to a lesser extent, but also increase the chances of successfully obtaining a loan for a small business:

• age from 30 to 45 years;
• permanent registration at the place of residence;
• real estate property;
• no criminal record;
• registered marriage.

Who decides

The main task of the bank before approving a loan is to assess the risks and reliability of a particular entrepreneur. To avoid further problems with debts, banks use two main methods:

• expert review- a subjective decision made by the inspectors of the financial institution;
• automated scoring system (scoring)– the operator enters the client’s data into the program, fills out the questionnaire, all further analysis takes place without human intervention.

Some banks use two methods at once, which makes the check even more thorough.

What documents need to be provided

Regardless of the bank and tariff, you will need a passport and a military ID to get a loan. If a young man is expected to serve in the army, the bank will most likely refuse to provide a loan.

The bank may also request:

• income statement (2-NDFL);
• extract from the Unified State Register of Legal Entities (for LLC from the Unified State Register of Legal Entities);
• business plan;
• documents on the ownership of the property left as a pledge;
• guarantor's letter;
• for the franchisee: an agreement with the franchisor;
• for persons with temporary registration: its confirmation;
• if any: contracts with suppliers, lease agreements for business premises, licenses.

Bank agreement

The final document before obtaining a loan is an agreement that must be carefully studied before signing. This document prescribes all the conditions for granting and repaying a loan, so special attention should be paid to the following points:

• final interest rate;
• payment schedule;
• fines;
• early repayment;
• obligations and rights of the parties.

Features of small business lending

Why is it so important to get a loan at the rate for a start-up small business? The fact is that all credit programs are developed specifically for certain needs, which means that they take into account the needs of the client as much as possible. So, lending to start-ups in small businesses has its own distinctive features.

1. The loan amount is greater than that of a consumer loan;
2. The issued funds are most often transferred to the current account of the entrepreneur;
3. More interest rate;
4. Collateral and guarantors are important;
5. Life and collateral insurance is required.

The bank refused to issue a loan - what to do?

All plans to start your own business can collapse if the bank refuses to issue a loan. In this case, you can contact another bank, but no one can guarantee that they will make a different decision.

It is worth noting that when checking the credit history, the bank will definitely receive information that the data on the citizen has already been requested by another bank.

It is also very difficult to work on mistakes, since by law a financial institution is not required to substantiate its refusal and voice its reason.

But even if the bank refused the application, and it is not possible to change its decision, this is not a reason to give up. There are other ways to earn money:

• The amount of loans for the needs of individuals is smaller, but it is easier to get them. Some banks do not even ask for the borrower's credit history in exchange for high interest, which means that you can take several such loans at once.
• non-bank loan. If the credit history does not satisfy even for obtaining a consumer loan, then the option remains to contact a non-banking organization that has the right to issue loans to individuals. However, they issue small amounts, for shorter periods and at high interest rates - in a word, on the most unfavorable conditions for the entrepreneur.
• . Each region has its own state and commercial centers that finance outstanding business projects. However, in order to achieve such assistance, the business idea must be truly original and profitable. Municipal authorities willingly finance programs that ensure the flow of funds and resources to the region. It can be new production, agriculture, education, tourism and ecology.
• Broker services. For a fee (up to 15% of the loan amount), an experienced broker will analyze the needs and capabilities of the entrepreneur and select the best offer for him. Also, the broker will help in evaluating the loan.
• Partnership with a large company. If an entrepreneur has connections among business giants, you can find a patron who will help, including with financing.