Today, few financial institutions show a clear desire to support small businesses, regardless of the region. Mid-level entrepreneurs and ordinary sole proprietors are often in dire need of financial resources. It cannot be said that there are zero banks on the market willing to offer cooperation in Moscow on adequate terms, according to individual programs. Trust is most often provided by Sberbank of Russia, whose management is really ready to support interesting startups at the start. The desire to provide comprehensive support, to promote the development of private initiatives is clearly seen in the abundance of new products. Borrowings can be issued for a year or even more, opening a new business will always resonate with the office staff.

We study lending

As a stakeholder, you should carefully consider all the options offered online. Do you really want to take financial resources on favorable terms? Then listen to good advice:

• decide what exactly you will provide as collateral, if you are planning to start cooperation under other programs, loan conditions will become significantly worse;
• it is necessary to carefully calculate the payback period of the project, try to fill out an online application only after repeated calculations, which it is reasonable to entrust to professionals;
• remember that among the conditions there is a requirement to provide a certain package of documents, otherwise the loan application will not be satisfied;
• in order to easily take a loan for a business, you need to clearly meet certain age standards.

Try to use bail

Each potential client must understand that support for its development is carried out on the basis of the laws of economics. What does this mean in practice? When interviewing you, the manager will try to take into account the full degree of possible risks. Now it is clear why less favorable forms of cooperation are provided for individual entrepreneurs without collateral? You will quite easily, without problems, achieve optimal borrowing from Sberbank of Russia if you provide certain guarantees. In this case, it is much easier to receive substantial sums for business development for a long period of time. Such an online application in Moscow is always considered without excessive formalism.

Special purpose

Pay attention to the fact that a small entrepreneur working in a certain area is ready to be stimulated at the lowest rates. The fact is that this is how targeted, targeted support is provided for those areas of entrepreneurship in the development of which the state is of particular interest. Make sure that small business loans at Sberbank “shine” for those individual entrepreneurs who are engaged in construction, laying communications and energy supply.

To start your own business, very often, additional funds are required. For help, you can contact financial institutions that provide loans for entrepreneurial activities from scratch.

Experts note that such a loan pays off within one year. Therefore, many banks cooperate with novice businessmen. After the economic crisis, the conditions for granting large loans were tightened, but with the right approach, you can increase the chances of approval of the application.

To increase the chances of obtaining a loan for an individual entrepreneur, it is recommended to correctly draw up a business plan, find guarantors or provide liquid collateral in the form of real estate. Having a positive credit history is also an important indicator of a potential borrower.

Where to get a loan for an individual entrepreneur (individual entrepreneur) to open a business from scratch (for a small business)

Many banking organizations develop special programs for private entrepreneurs who want to start from scratch. In this case, the lender takes into account only the plans and ideas of the borrower. Thus, financial institutions bear large risks, so the size of the loan to start is small, and the interest rate is high.

Before contacting the bank, it is necessary to develop a business plan, which should include items with the following information:

• The amount of funds required.
• Purpose of using money.
• Estimated profit from entrepreneurial activity.
• How much can be withdrawn from circulation in order to make mandatory payments on the loan.
• Alternative business development solutions.

This document will allow the lender to assess the feasibility of granting a loan. In addition, when making a decision, the presence of a business plan is taken into account.

Banking organizations offer businessmen the following products:

• Express loan. Designed for individual entrepreneurs who urgently need additional funds. The decision is made within one hour. The borrower needs to submit a minimum of documentation. It is important to note that such a loan is issued at high interest rates.
• Consumer credit for individual entrepreneurs. In this case, you need to collect the necessary package of documents. Security in the form of a bond or surety may also be required.
• Cash loan for businessmen. Some financial institutions open lines of credit for start-up entrepreneurs.

It is important to note that not all banks cooperate with novice businessmen. Therefore, you need to carefully study the conditions. Experts recommend applying for a loan in a financial institution, where to open a current account.

The best loan offers for businessmen in 2017

Sberbank of Russia

A profitable loan for a beginner IP is offered by Sberbank of Russia. The product "Trust" allows you to realize the idea. Business loan terms:

• The loan is provided for any purpose, without the provision of liquid collateral.
• A secured loan is issued at a reduced interest rate.
• The base rate is only 16.5%.
• The credit limit is 3,000,000 rubles.
• The maximum loan period is 3 years.

Bank of Moscow

A financial institution has developed a universal loan for the opening and development of entrepreneurial activities.

• The loan amount is 150,000 - 150,000,000 rubles.
• Loan period 1-60 months.
• The interest rate is formed on an individual basis.
• Security is mandatory.
• The decision on the application is made no more than 5 days.

OTP bank

The main advantage of OTP Bank is that the application can be filled out on the website, and in a few minutes you will find out about the decision.

• The loan amount is 15,000 - 750,000 rubles.
• Loan period 12-48 months.
• The rate is 14.9%.
• No collateral required.

Renaissance Credit

The financial institution specializes in providing consumer loans not only to the population, but also to individual entrepreneurs.

• The loan amount is 30,000 - 500,000 rubles.
• The interest rate is formed individually and can be 15.9-29.1%.
• Loan period: 24-60 months.
• No collateral required.
• For registration, it is enough to present a valid Russian passport and an additional document.

Sovcombank

Lending terms:

• The maximum loan amount can be 400,000 rubles.
• The base rate is 12%.
• The application is filled out online, and the loan is issued at a representative office of a financial institution.
• The maximum loan period is 5 years.
• The decision is made within one hour.

Thus, a novice businessman can pick up an offer on favorable terms.

Loan conditions for individual entrepreneurs in Sberbank. Calculator for 2017

Sberbank of Russia offers various products for individual entrepreneurs. One of these programs is the "Business Project", which allows not only to open a new business, but also to modernize and expand it.

The main advantages of such a long-term loan are:

• Significant amounts of loans.
• A long period.
• If necessary, you can get a deferment.
• Expert advice.

Conditions for granting a loan for an individual entrepreneur:

• The loan period is 3-120 months.
• The minimum interest rate is 11.8%.
• The loan is provided only in Russian rubles.
• Minimum availability of own money: 10%.
• The payment of the principal debt can be deferred for one year.
• Loan amount: 2,500,000 - 200,000,000 rubles.
• Security in the form of a liquid collateral or surety is required.
• There are no additional commissions.
• When providing a pledge, the property must be insured.

To get a loan to open a business, you need to fill out an electronic application form on the Sberbank website. To eliminate the risk of refusal, all information must be reliable.

To calculate the approximate overpayment on the loan and the amount of monthly payments, you need to go to the address: http://www.sberbank.ru/ru/person/credits/money/consumer_unsecured. Fill in all the fields and click on the "Calculate" button.

It is important to note that the calculator allows you to find out approximate numbers. For more accurate information, please check with your bank manager.

Credit without collateral and guarantors in Sberbank. Is it possible to apply and how to do it?

Sberbank of Russia provides an opportunity for novice entrepreneurs to obtain a loan without providing liquid collateral in the form of real estate or vehicles.

To obtain a loan, on the website of a financial institution, go to the "Small Business" section, then select "Loans and Guarantees", where click on the "Business Trust" tariff.

The loan is issued for up to 4 years. The minimum interest rate is 18.5%. The loan amount can reach 3,000,000 rubles, without charging additional fees.

To obtain a long-term loan, you must complete several steps:

• Fill out an application at a representative office of a banking organization or on the official website.

• Submit a list of required documents (constituent, financial, business documentation).
• Wait for the lender's decision.
• If the application is approved, then the manager will call the potential borrower to clarify all the nuances of obtaining a loan.

It is important to note that such a program has some limitations, therefore it is not available in all cities of Russia.

If the future client cannot find guarantors and provide collateral, then there is another option for obtaining a loan for the development of an individual entrepreneur. To do this, you need to apply for a consumer loan.

Lending terms:

• The loan is non-targeted.
• The maximum loan amount can be 1,500,000 rubles.
• Loan period 3-60 months.
• There are no hidden fees.
• No collateral required.
• The interest rate is formed on an individual basis and can be 14.9-22.9%.

Thus, a novice businessman can take advantage of several offers from a financial institution.

Loan for individual entrepreneurs with zero reporting

An individual entrepreneur must submit special reports, even if he does not carry out his main activity. Such reporting is considered null. Is it possible to get approval for a loan in such a situation?

Any financial organization, before making a decision on an application from an individual entrepreneur, first of all takes into account financial statements. Therefore, they try not to cooperate with businessmen whose reporting is zero. To increase the chances of approval, it is necessary to provide liquid collateral or find solvent guarantors.

Primary requirements:

• If the entrepreneur has a zero declaration, then the main condition for lending is to carry out activities for more than 1 year, after passing the registration procedure. If the borrower can document their income, then no security may be required.
• Submission of documents: statement of financial condition, registration certificate, zero reporting and others.

However, you need to understand that in this case, banks are trying to minimize their risks, so they provide a small amount at high interest rates, compared to loans that are issued to companies with existing income.

A big problem for a novice entrepreneur is the lack of funds for organizing an enterprise. A businessman does not always have the necessary amount, so you have to look for a source of financing, and the surest way to get money in a short time is to take a loan. The first credit institution, which is chosen by more than half of the inhabitants of our country, is Sberbank of Russia, where there will certainly be a profitable offer for small business organizers. This is exactly what a business start is, Sberbank has developed this product for start-up entrepreneurs, and we will consider its conditions further.

Lending terms

The business start program has a designated purpose, that is, borrowed funds, according to the terms of the loan, can only be spent on equipment, premises, machinery, and so on. Under what conditions is a loan issued:

1. Interest rate from 17.5% (if the loan term is from 6 to 24 months) to 18.5% (if the loan term is from 24 months to 42 months).
2. The maximum loan term is 42 months.
3. The loan amount is from 100 thousand to 3 million rubles.
4. Annuity payment calculation system.

To obtain a loan from Sberbank, an entrepreneur will necessarily need a business plan. And here there are only two options to use a standard business plan from Sberbank or open a franchise business. This condition allows the bank to reduce the risks of non-repayment of funds for the reason that it is difficult for an inexperienced businessman to clearly plan an enterprise. A typical business plan is adapted to a specific region, which means that the risk of ruin is minimized. A franchise business is the most reasonable option for both the bank and the entrepreneur himself. Firstly, the franchisor can act as a guarantor, this is negotiated individually. Secondly, the entrepreneur receives a ready-made business, only at his own expense, there is no need to plan and decide anything on his own.

The bank’s website has a list of franchises that the lender is lending to, while please note that the bank issues a loan only in the amount of 80% of the franchise cost, respectively, the borrower must have at least 20% of his own savings.

The second important condition for a loan for a business from scratch at Sberbank is a pledge of the acquired property. After all, this loan has a specific purpose - the purchase of equipment, machinery, etc., all this will be the subject of collateral. By the way, any collateral in the bank requires insurance for the entire period of lending, that is, the entrepreneur will need property insurance.

Lending terms

Franchise loan

In our country, Sberbank is the only financial and credit organization that issues a loan for the purchase of a franchise. It's actually one of the safest ways to do business, and for several reasons:

• the entrepreneur receives a ready-made business, already promoted in the market;
• the business operates according to a scheme worked out over the years;
• the company has a certain circle of clients;
• the entrepreneur can count on the full support of the franchisor.

The bank has practically no risks, that is, there is no doubt that the business will exist in the market.

But the entrepreneur has a limited choice, the list of franchises is set out on the bank's website. According to this regulation, the bank is ready to lend only for the purchase of these franchises, among them:

• Burger King;
• McDonald's;
• Yves Rocher.

When buying a franchise, an entrepreneur must understand that, despite the fact that he will be the owner of the company, all important decisions remain with the franchisor. He makes decisions about the company's pricing policy, assortment, size and design of the premises, and staff recruitment. Accordingly, part of the profit rightfully belongs to the franchisor.

Sample business plan

Sberbank can issue a loan to small businesses, provided that the business is built according to a standard plan. This means that the choice of the borrower is also limited, he you will have to choose from the list the direction that the bank is ready to lend.

What lines of business does the bank offer:

• cleaning company;
• salon;
• beauty saloon;
• production of bakery products;
• studio;
• pet Shop.

And this is not the whole list, by the way, it is constantly updated. The advantage is that the entrepreneur himself makes decisions on any issues related to doing business. He does not need to pay monthly interest on profits, only loan payments. The disadvantage is that the business will need to be promoted independently.

List of documents

Among the documents that you need to bring to the bank, there must be a passport and a certificate of state registration as an individual entrepreneur. By the way, the borrower must document that the last 90 days did not engage in entrepreneurial activity.

A legal entity needs to submit constituent documents, a charter, a certificate of registration with the tax authorities, a license, if required. But full list can only be found out at the bank, because for each borrower the bank individually determines the package of documents.

Sberbank begins lending to small businesses by examining a questionnaire; it is advisable to fill it out at a bank branch. After that, you will have to wait a few days until the bank makes a decision and announces a complete list of certificates and documents. In most cases, the bank will require collateral from the borrower in the form of a surety. Here, individuals and legal entities, individual entrepreneurs can act as a guarantor. Unlike the borrower, they definitely need to confirm their income with a 2-personal income tax certificate, a tax return.

Sberbank does not give a loan for business development to everyone, each application is considered by loan specialists quite carefully, so not every borrower has a chance.

Advantages and disadvantages

This type of loan has a wide range of advantages. The first of them is the deferment of the first payment on the principal debt for six months. There are no commissions for the issuance of funds. The lender is ready to provide the client with a business plan and provide advisory support at the start of a small business.

Other small business lending programs at Sberbank

But there is also a drawback - it is quite difficult to get a loan for a business plan at Sberbank. The reason for the refusal may be the lack of personal funds to organize a business, or a damaged credit history. In addition, almost everyone needs a guarantee from third parties, and there are also a number of strict requirements for them.

In any case, anyone can apply for a loan, perhaps they will be lucky, and the bank will give a positive answer. Only you need to approach the issue consciously, because the borrowed funds must be returned anyway. In addition, even a novice businessman must have his own savings, a business at any time may require unforeseen costs.

Of all the loans, it is the most difficult to obtain a loan for the creation and promotion of a small business. Individual entrepreneurs (hereinafter referred to as individual entrepreneurs) and private individuals running their own business are among the clients that banks least trust. Getting a loan to develop a small business from scratch is really difficult. And this situation is explained quite simply. If, when taking a mortgage on an apartment, you need to convince the bank that you have a stable average income that will definitely not disappear in the next eight years, then everything is much more complicated with a small business. Here, after all, a guarantee of a return to the bank Money potential profitability, profitability, reliability, survival of this business in the conditions of a shaky Russian economy. The only additional security is a pledge of some valuable property of the borrower.

Even in developed countries (USA, Western Europe) economists give a maximum of 20% to the next small business project. This is the probability that the business will survive and not go bust. And in the Russian Federation, this indicator is 2-3 times less for a whole range of reasons. Here banks are not eager to give money to people who then, very possibly, will become bankrupt. However, there are certain schemes of interaction with credit organizations for novice businessmen. Let's consider them.

Step-by-step instructions for obtaining a business loan from scratch

As an example, it is worth studying offers from the main and largest bank of the Russian Federation in the civilian market. It's about about Sberbank. He works with all types of business clients - individual entrepreneurs, private entrepreneurs, CJSC, LLC. However, before going to the bank, you should prepare in advance on three main points, without which it is almost impossible to get a loan to start a business from scratch.

1. Preparation of a business plan. A novice entrepreneur must create his own plan, project. This is the start of any business. By the way, regardless of the level (small, medium, large). A businessman or businesswoman determines the main tactical (short-term) and strategic (long-term) directions for the development of a future company. A quantitative (technological, production) and qualitative (complication of the structure of the enterprise, advanced training of employees) analysis is carried out. The volumes of production, the ratio of potential costs and profits are calculated, the conjuncture of the market sector in which the business will operate is analyzed. The staff is also analyzed. A business plan tells investors whether or not to invest in a given business. And the bank too.
2. Franchise definition. If a future individual entrepreneur comes to the bank and says that he wants to open his own independent enterprise, which will be called so-and-so, he will most likely be denied a loan. A franchise is a brand, it is a kind of licensing, it is a certain business model. For example, McDonald's is a franchise. Or Coca-Cola. Or Microsoft. But such franchises are worth billions, because the business under their auspices guarantees a corresponding profit. A beginner IP has to choose from a list of much more affordable options. Moreover, it is desirable that franchise companies are associated partners of the bank where the client is going to take a loan. At Sberbank, these are Harat's and a number of other companies that sell relatively inexpensive franchises.
3. And, of course, you should not go to the bank, as they say, "naked", without the possibility of collateral. Of course, it happens that the future individual entrepreneur has nothing but a business plan and a desire to start working as soon as possible. But as already mentioned, financial institutions are extremely cautious in issuing money to small businesses. It's great when a client owns some kind of real estate or other valuable property (a car of an average price category, for example). Then you can register this property as collateral. The institution will know that in the event of a business failure, all or most of the money issued will be returned through the sale of the client's collateral. Those who have nothing will have to at least find funds for the down payment, which is high in business lending (almost always at least 30%).

So the preparation is complete. I'm going to Sberbank. Here the procedure is as follows:

1. Filling out a questionnaire, where, in addition to basic information, a desire is expressed for a small business from scratch.
2. Choice of credit program. It is necessary to choose a special program "Business Start".
3. Passage of registration in the tax service as an individual entrepreneur.
4. Collection of all necessary documentation. This will require not only a standard set of individuals (passport, TIN, income statement 2-NDFL, military ID for men under the age of 27, pension certificate), but also additional documents related to business lending (business plan, IP certificate or other form of organization, a letter of cooperation from the franchisor, evidence of possession of some valuable property that can be used for collateral).
5. Applying directly for a loan to start and grow a small business.
6. Providing the bank with funds to pay off the down payment (or pledging expensive property).
7. Getting the money you want and starting your own business.

Of course, there may be some emergency situations, additional requirements. Thus, a franchise company that is a partner of a bank may request an additional detailed analysis of the sector of the market in which the client is going to work. If the future business requires additional licenses, they must be obtained before the loan is issued. For example, if a person is going to sell alcohol, hunting and traumatic weapons. Therefore, only a general, standard instruction is presented here. The conditions under which Sberbank issues loans for small businesses are medium and quite acceptable against the background of offers from other banks:

• annual interest - 18.5% (in other institutions this mark can reach up to 25%);
• the minimum down payment is 20%, but it is better to agree to 30% (in other institutions it can reach up to 50%);
• if a client has acquired a franchise from Harat's, then he can be given up to 7 million rubles. In other cases - up to 3 million rubles. The minimum loan is 100 thousand rubles;
• a loan is issued for a period of up to 5 years (for users of the Harat’s business model) or up to 3.5 years (for everyone else);
• the allowable delay in monthly payments for Harat's customers is one year, and for everyone else - six months.

Requirements for the borrower

Here it is worth considering not the minimum, but the maximum requirements. Those in which the chance of obtaining a loan rises to 90%. Sberbank requests are standard. Any other bank will put forward similar conditions for novice businessmen:

• a clearly structured, voluminous and most informative business plan;
• certificate of income in the form of 2-NDFL;
• possession of some valuable property suitable for collateral;
• having an account in another bank, owning shares and other securities (an extract from the bank, from the register of shareholders). This is analogous to a pledge;
• good credit history (the presence of any other loans repaid on time). At the same time, the presence of an outstanding loan that the client pays is not a plus, because this is an additional financial burden;
• the presence of co-borrowers (business partners) or guarantors who have proven their financial solvency to the bank;
• the client not only has a permanent residence permit, but is also going to open a business at the place of residence and location of the creditor bank. For example, in the same city where the Sberbank branch and the borrower's home address are located;
• the age of the client varies in the range of 27-45 years. Why exactly 27 years? The answer is military duty, which is by no means pleasing to banks;
• for some reason, according to statistics, family people are more trusted. Although the family, logically, can become a factor distracting from business. Probably, banks believe that a family person is a priori more responsible;
• absence of any debts (for other loans, utility bills);
• information about the main monthly expenses of the client (utility payments, other loans, alimony, rent, etc.);
• no criminal convictions (especially outstanding, serious and for financial crimes);
• a certificate confirming that the borrower was not and is not registered in a psychiatric and / or narcological dispensary.

It is not necessary to strictly comply with all factors. Yes, such borrowers practically do not exist in nature. It's just that the "gold standard", the ideal, is described here. Some factors are not of particular importance (marital status), and some are of paramount importance (collateral, business project, absence of crime and problems with mental health / drugs).

It is worth mentioning that if the borrower already had his own business and now wants to take a new loan for a new business, then this will go to his minus. Since the bank always evaluates unsuccessful entrepreneurial experience from a negative point of view. And where is the guarantee that this individual entrepreneur will not fail in the same way?

Factors affecting the bank's decision to grant a loan

In principle, after reading all of the above, those points on which the positive decision of the beneficiary directly depends are already clearly visible. To summarize, there will be only three main factors: a promising and well-designed business plan, the availability of a suitable franchise, and a certain financial level of the client. If all three points are rated perfectly by the bank, then this will bring the borrower close to the loan he needs so much. It is useful to know that in the business lending system, banks work according to plan. That is, the analysis of the client is carried out according to the worked out template. There are two such templates.

No. 1. Loan specialists monitor the borrower and issue a verdict (on the solvency of the client and the degree of risk for the bank).

No. 2. A statistical, automated system "Scoring" is used, based on the use of mathematical methods. Under this system, all borrowers are sorted into groups, each of which is characterized by a certain degree of risk.

Sometimes the bank resorts to both types of analysis.

Other ways to get a loan

It may well be that the bank still refused to issue a loan. But the situation is not entirely hopeless. What are the workarounds here?

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