Loan for business Choosing a loan for small business development from scratch

In the article, we have collected 20 largest banks lending to individual entrepreneurs on favorable terms. The article also contains a list of documents that a bank may require to issue a loan.

Which bank to take a loan from

Types of loans for individual entrepreneurs

Loans for small and medium-sized businesses can be divided into several types:

It has a distinctive feature: to get it, you need to prepare an extensive list of documentation. And if you expect to receive a large amount of funds, you need to provide security in the form of collateral or surety.

• Express lending

Designed for those entrepreneurs who have limited free time. In this case, you need to collect a minimum set of papers, but the interest on such a loan is higher than standard rates.

• Targeted lending for small business development

Programs can be state-owned, with the involvement of Entrepreneurship Support Funds, and so on. Funds in this case are issued only for specific purposes, entrepreneurs whose business is promising and has been operating for more than 3 months can count on them. We also note that some banking organizations offer cash loans to entrepreneurs.

Loan for individual entrepreneurs in Sberbank

This banking organization provides an opportunity to issue a loan for an individual entrepreneur both without collateral and with collateral. The following tariff plans are available for customers:

Nuances: a loan under the "Trust" program is provided only to entrepreneurs whose annual revenue does not exceed 60 million rubles.

Lending for individual entrepreneurs in Alfa-Bank

A loan to an individual entrepreneur in this bank can be issued according to several tariff plans:

Important: an individual entrepreneur loan is issued only on the condition that you open a current account with a bank.

Credit for entrepreneurs in Promsvyazbank

First of all, we note right away that it will be possible for an individual entrepreneur to receive a loan if the period of his actual entrepreneurial activity exceeds 2 years.

As for the nuances, you must be registered for at least 1 year in the region where the office of this banking organization is present.

Loan for individual entrepreneurs in Rosselkhozbank

There are several loan programs under which an individual entrepreneur can take a loan. At the same time, we note that in order to receive funds, you need to open a current account with a banking organization before you sign a loan agreement.

For most loan products, the interest rate and loan amount are calculated on a purely individual basis.

Lending to entrepreneurs in VTB 24

In this credit institution, you can apply for a loan, as well as for any purpose, with or without security. As for tariff plans, there are several of them:

• Your passport (citizen of the Russian Federation);
• Questionnaire completed by you;
• The second document that will confirm your identity (SNILS, driver's license);
• Declaration on paid taxes;
• Extract from the USRIP;
• TIN certificate;
• Original of all licenses (if your activity is subject to licensing).

Most often, banking organizations require these documents, but you may be asked to provide additional documentation. If you involve a co-borrower or guarantor, he must collect similar documents. When it comes to collateral, you need to confirm ownership of it.

Who, besides banks, gives a loan to IP

It should not be hidden that not all banking organizations cooperate with individual entrepreneurs, especially in the field of lending. There are organizations in principle not lending to entrepreneurs. In this case, you can apply for a loan as a physical. person, or contact the MFI.

When applying to an MFI, keep in mind that the loan amount is not particularly large, the loan term is usually short, and the percentage is much higher than in a bank. Pay attention to this when you analyze where it is better to take a loan.

Reasons for refusal to apply for a personal loan

Typically, loan applications are handled by a dedicated loan department. You may be denied for the following reasons:

• Insufficient level of income;
• Availability of existing credit obligations;
• Short period of activity as an individual entrepreneur;
• Problematic credit history;
• Complete lack of credit history;
• Failure to meet age requirements;
• Providing knowingly false information about yourself;
• The presence of a criminal record that is not extinguished;
• The banking organization has facts about the violation of your mental health;
• You do not have a landline telephone;
• You have been to several banking institutions;
• Your refusal to change a non-purpose loan to a targeted one;
• Sloppy appearance;
• Suspicious, aggressive behavior.

Being an individual entrepreneur in the Russian Federation is not easy, but in difficult times of crisis, the state tries to meet those who seek to develop business in their region. Support is expressed mainly in the issuance, the conditions for obtaining which you will learn from this article.

Loan for individual entrepreneurs without collateral and guarantor

The hardest thing will be for novice entrepreneurs who have no experience behind their backs, nor even the minimum start-up capital. The chances of getting money in this case are small, but they are. Many entrepreneurs try all possible ways to get money, such as participation in programs for the development of small and medium-sized businesses. The most affordable option is to apply for a loan for a private person.

Business Development Loan for Sole Proprietors from Scratch

It is not worth counting on obtaining a loan without income certificates in the name of an individual entrepreneur, because it is several times easier to apply for a loan for the development of a small business for an individual.

The situation can change if there is valuable collateral, a reputable guarantor or strong recommendations. In the end, an impeccable credit history is important for an individual entrepreneur. Just one loan taken and paid on time will open up great prospects for you. Taking the second and all subsequent loans will be much easier.

IP loan for business development

A declaration to a novice individual entrepreneur is often replaced by collateral in the form of a vehicle or real estate. Getting a loan without collateral is possible if you manage to agree on a guarantee with a more influential entrepreneur or company. Perhaps it will be your business angel or one of the project investors.

The guarantee is convenient because both individuals and legal entities are suitable for this role.

In addition to the founders of enterprises, managing managers and business partners, even relatives can vouch for you.

It doesn't matter to the bank. The main thing is the presence of evidence of trustworthiness, which in itself is considered a guarantee and a stabilizing factor.

Loan for sole proprietorship to start a business

And what about those who do not have collateral and loyal guarantors? If you do not give anyone any guarantees and do not have a business model proven in practice, this is not a reason to give up. Many in such cases resort to the services of a credit broker. Of course, for the services of such a specialist, you will have to pay 10-15% of the amount of funds issued. But when there are no other options left, some individual entrepreneurs agree to this format of lending.

Consumer loan for individual entrepreneurs

Today, you can take anything on credit, from household appliances to a fur coat. But individual entrepreneurs are more often interested in loans that are opened on plastic for consumer purposes.

To get plastic with a borrowing limit of 100,000 rubles or more, it is enough to present two documents, for example, a passport and a driver's license. As a rule, such loans are issued without problems, often even in the same household appliance stores. At the same time, it is not necessary to hide your true intentions and the status of an individual entrepreneur. A loan issued conditionally to open a shawarma stand or to buy a food processor is considered equally risky by bank clerks. Therefore, they rarely even ask where the issued funds will go.

Personal cash loan

Theoretically, the possibility of obtaining such a loan exists, but whether it is worth spending time on it is a big question. Issuing cash to individual entrepreneurs is not accompanied by as many commissions as when using money on a credit card, so many banks refuse individual entrepreneurs, citing entrepreneurs as high-risk borrowers as the main reason.

And there is a rational grain in these words. It is also difficult for an individual entrepreneur to receive cash because he does not have officially confirmed income. Checking the real level of income of an individual entrepreneur is a dubious event, because it is very, very difficult to establish and, moreover, confirm each documented amount.

Find a reasoned way to prove your ability to pay, and perhaps the clerks will be more supportive.

Loan for individual entrepreneurs with zero reporting

There is a separate category of individual entrepreneurs who do not operate and for this reason submit zero tax returns. For such persons, special programs are provided with favorable interest rates and deferrals of several payments. The chances of success will increase significantly if we are talking about working in a priority industry for the state. Support for public and private funds, whose activities are aimed at the development of small businesses in the Russian Federation, is also included in the IP asset.

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.

Content

Successful development of individual entrepreneurship is possible if sufficient funds are available. Not all businessmen have such a financial airbag. What could be easier than borrowing money for your own business? However, this issue requires careful study, because at the moment there are various loans to small businesses.

Personal cash loan

It is very problematic for entrepreneurs to get loans with real money, but this method is in demand for financing their own business. Not everyone can take a cash loan for an individual entrepreneur, because banking organizations set specific conditions, the observance of which greatly increases the possibility of obtaining a loan for small entrepreneurs. Borrowers with a bad history run the risk of not getting a long-awaited loan.

It would probably be superfluous to say that an entrepreneur must have a registration certificate, but the fact that the object must be registered with the tax authorities and regularly pay all contributions is an extremely important factor. The period of doing business should be more than six months, and the age of the entrepreneur himself should be from 21 to 60 years. The maximum that an individual entrepreneur is entitled to count on is half a million rubles, if security is not provided, but if there is something to offer the bank from collateral, then the amount can increase significantly.

You can apply for money at:

• Alfa Bank;
• Raiffeisenbank;
• Sberbank;
• Sovcombank;
• OPT Bank, etc.

Loan for individual entrepreneurs without collateral and guarantor

Banks offer loan programs that are suitable for different purposes, and loan amounts may vary. If you need a loan for an individual entrepreneur without collateral and a guarantor, then you don’t have to rely on large numbers, since banking institutions must be sure that the businessman will return the money on time and in full. The maximum credit for small business, which can be counted on under such conditions, will be equal to 100-150 thousand rubles.

An entrepreneur must understand that the bank will be more willing to issue loans to individual entrepreneurs to those entities that need money for business development, and not for paying off wage arrears. Before you borrow money, you should think carefully about the purpose of the loan. Among the banking institutions that will lend money for small business loans without requiring any obligations, we can highlight:

• Sberbank;
• VTB 24;
• UBRR.

Sole proprietorship loans

Banking organizations are happy to issue loans to individual entrepreneurs on security, because in this way they get confidence that the loan will be repaid. In case of non-payment of borrowed funds, they will be able to sell the collateral in order to receive funds. Both movable and various real estate, bank accounts, etc. can act as collateral. It is worth knowing that such loan offers are provided at a lower percentage than borrowed funds without collateral.

The amounts of products provided may vary and depend on the value of the collateral. The better, for example, an apartment (elite location, area, developed infrastructure of the area, etc.) provided as security, the larger the loan will be. It is important to understand that the client will not receive 100% of the market value of the collateral. You need to be prepared that the bank will offer about 60%, although the figure itself can vary significantly.

Consumer loan for individual entrepreneurs

Since a private entrepreneur is an individual, there are no barriers to obtaining a consumer loan for an individual entrepreneur. The application can be addressed to any bank and receive a certain amount depending on the level of income, the collateral or guarantee provided. Interest rates may vary depending on the bank, the amount requested and the term of the loan.

A similar request can also be made to micro-organizations that issue express loans without collateral or guarantee. However, it should be borne in mind that you will have to sacrifice significant amounts to repay the loan, because financial institutions set a high interest rate: as insurance in case of loan default and cover their own risks.

Loan for opening a sole proprietorship

Bankers see no barriers not to lend to a start-up small entrepreneur when he creates his own enterprise or other business. Minus - credit institutions are at great risk, since only the businessman's own ideas will be at his disposal. As a safety net, a financial institution will offer a small amount to a novice individual entrepreneur to implement their ideas.

The main document that a businessman will need to create a business from scratch and get a loan to open an IP is a business plan, and the more competently it is written, the more likely it is to receive financial injections into your own startup. A loan to a start-up entrepreneur largely depends on this document, since it sets out all the estimated income and expenses.

Money for the promotion of your own project can be obtained not only in banks. The state comprehensively supports the undertakings of small and medium-sized businesses. To get started, you can contact the employment center and present a business plan with your ideas. It is important that you can count on an amount equal to 58,800 rubles. With the development of agricultural business, it is worth contacting the Ministry of Agriculture of the Russian Federation for a soft loan. You can implement your own business by contacting the Bank for Small and Medium Enterprises under the state support program.

How to get a business loan

Not everyone is ready to give money at interest to a novice entrepreneur so that he can open and run his own business. For some businessmen who have been cooperating with banks for more than a year, it is easier to solve such a problem, since they have a trusting relationship, and banks may offer them to issue an overdraft. If an entrepreneur has been cooperating with an institution for more than a year, then such an opportunity can become a real lifesaver.

How to get a business loan if you need money to buy equipment or vehicles? Do not forget that all this can be purchased on lease. This method can be beneficial in that it does not take much time to process documents, and the overpayment will be minimal, if not zero. In addition to all that has been said, one should not forget about the assistance, benefits and benefits provided by the state through SME Bank.

Documents for an IP loan

Just at the request of a person, a loan can be issued only for consumer needs, and even then, at least a passport is required for this. What documents are needed for an individual entrepreneur loan can be seen in the list below. It should be borne in mind that each creditor has the right to require additional certificates or papers (declarations, statutory documents, etc.), so it is important to be prepared for such a turn of events. As a rule, of the main documents that will have to be submitted to the bank, there will be the following:

• the passport;
• A completed application form;
• IP registration certificate;
• business plan (for startups);

Loan for individual entrepreneurs in Sberbank

What does the largest bank in the country offer? On the site you can familiarize yourself with the conditions that apply in order to get a loan for an individual entrepreneur in Sberbank. The most simple to obtain are the following:

Loan for individual entrepreneurs in VTB 24

You can choose a loan for individual entrepreneurs in VTB 24:

Loan for individual entrepreneurs in Rosselkhozbank

Depending on the terms and conditions of the loan, the loan rate for individual entrepreneurs in the Russian Agricultural Bank will directly depend. Recently, the bank managed to open several products for specific purposes:

• for the purchase of equipment and machinery;
• for the purchase of commercial real estate;
• for the purchase of land plots;
• for the purchase of farm animals (young animals);
• for investment purposes;
• commercial mortgage (mortgage loan).

Among the new products, it is worth highlighting the Investment Standard product with the following conditions:

• the maximum provided is 6,000,000 rubles;
• the term for providing funds is up to 8 years;
• special conditions - an individual loan repayment schedule, the possibility of a delay of up to one and a half years.

Loan for individual entrepreneurs in Alfa Bank

Getting a loan for an individual entrepreneur at Alfa Bank is easy. There are 2 offers for small entrepreneurs, and no deposit is required:

Loan for individual entrepreneurs in Sovcombank

With a minimum package of documents, you can get a loan for an individual entrepreneur at Sovcombank, and management reporting is not required. The main advantages - the decision will be made within 1-3 days, and a car or real estate can serve as collateral - these parameters will affect the percentage and amount of the loan. Here is what the bank has to offer today:

Loan for individual entrepreneurs in Post Bank

As for Post Bank, there are no separate bank loans for entrepreneurs. You can take an unsecured loan for an individual entrepreneur at Post Bank on the terms of a simple consumer loan:

Loan for individual entrepreneurs at Otkritie Bank

For a period of up to 3 years, you can get a loan for an individual entrepreneur at Otkritie Bank. The interest rate is not fixed and is calculated depending on the volume of cooperation (service), it is flexible. Money is given to:

• investment decisions;
• contract financing;
• overdraft;
• replenishment of working capital;
• refinancing;
• express financing.

To conduct IP accounting online, use.

Video: loans for individual entrepreneurs

To develop your business, you need money, but not all businessmen have enough financial resources - in this case, a loan comes to the rescue.

Banks have developed individual entrepreneur lending programs that differ in interest rate, amount, required documents and other conditions.

The entrepreneur must be tax registered and pay all contributions. The minimum period for doing business is from 6 months, IP age - from 21 to 60 years old.

Without collateral, an individual entrepreneur can count on an amount of up to 500 thousand rubles, with provision, it increases significantly.

Loan without guarantors and collateral

If an individual entrepreneur issues a loan without guarantors and collateral, then banking organizations will issue him up to 150 thousand rubles.

It is necessary to consider for what purposes the funds will be spent, since banks are more willing to issue money for the development of the business, and not for other purposes (for example, issuing wage arrears does not increase the credibility of the organization).

Loans secured by property

It is not difficult to get a secured loan because it poses less risk for banks. If the borrower is unable to pay the financial obligations, they will sell the collateral.

1. Pledge can be movable / immovable property, bank accounts.
2. If the collateral is an apartment, then such parameters as the area, location and infrastructure of the area will affect the loan amount.
3. IP has the opportunity to receive 60% from the market value of the collateral.

Secured loans are issued at a lower interest rate than loans without it.

Consumer loans

An individual entrepreneur is an individual, therefore, in order to apply for a consumer loan, you will need to send an application to the bank, find guarantors or collateral, and then receive money. Rates depend on the term of the loan, the amount and the banking organization.

1. You don't have to go to MFI. Such organizations issue express loans without guarantors and collateral, but the overpayment will be high.
2. Such high interest rates are charged by organizations in order to cover their risks and receive money if the borrower cannot repay the debt.

business development loan

Banks can issue a loan for a small amount intended for the development of the business. They take risks because the IP only provides their business ideas.

• To increase the chances of obtaining credit funds, it is necessary to draw up a competent business plan, reflecting future expenses and income in it.
• The state also provides assistance to start-up businessmen. Individual entrepreneurs who applied to the employment center, upon presentation of a business plan, can receive 58 800 rubles. Those who are engaged in agriculture should apply for a preferential loan from the Ministry of Agriculture of the Russian Federation.

Target loans

Institutions develop special loans for certain purposes.

1. Development of your business:
2. Investments.
3. On-lending.
4. Support and development of narrowly focused activities.
5. Buying a property.
6. Purchase of special equipment, machinery.
7. Purchase of a personal car.
8. Acquisition of vehicles to be used in business.

Requirements:

• the presence of citizenship of the Russian Federation;
• registration in the region where the bank branch operates;
• borrower's age from 21 to 65 years old;
• minimum annual income 700 thousand rubles;
• the duration of your business from 1 year(some banks raise this threshold to 5-6 years);
• absence of zero or unprofitable financial result;
• positive credit history.

Banks also set their own limits regarding the number of people who are involved in the state of the entrepreneur.

There are factors on the basis of which the interest rate is set:

• credit term;
• the amount of money given;
• solvency of the borrower;
• availability of liquid assets;
• availability of reliable guarantors with stable income and positive CI;
• registration of insurance that provides a guarantee of security for individual entrepreneurs and banks.

Sometimes banks negotiate interest rates individually. You should submit an application and discuss all the details of interest with a bank employee.

Features of obtaining a loan for individual entrepreneurs

If you urgently need to make a turnover or cover advance payments, it is beneficial to get a loan from a bank for an individual entrepreneur.

The entrepreneur gets the opportunity to buy goods in installments, negotiate deferred payments or affordable interest rates.

The larger the amount the entrepreneur needs, the longer the bank will consider his application ( from 2-3 to 7 days).

Making a loan without guarantors and collateral has the following advantages for individual entrepreneurs:

• quick decision making by the organization;
• a small list of required documents;
• you can get a loan with guarantors, collateral or without them;
• programs for individual entrepreneurs are carried out without commissions;
• It is possible to repay the loan ahead of schedule.

Procedure for obtaining a loan

The documents that need to be prepared by the IP include:

• the passport;
• borrower profile;
• IP registration certificate;
• business plan (for start-up entrepreneurs);
• TIN;
• accounting Report.

Employees of banking institutions may be asked to bring other certificates - statutory papers, declarations. The SP must agree to receive requests from the BKI.

The contract is concluded in several ways:

• annuity payments - the same monthly payments throughout the entire loan term;
• differentiated payments - monthly payments, the amount of which by the end of the term begins to gradually decrease;
• payments according to an individual schedule, developed and established by agreement between the bank and the individual entrepreneur.

List of banks issuing loans for individual entrepreneurs

We have prepared for you 10 banks with various programs of lending to individual entrepreneurs.

Sberbank

The organization offers entrepreneurs the "Trust" program, which allows them to receive funds without collateral for business development or current needs.

Peculiarities:

• loan term – up to 3 years;
• interest rate - at least 17%;
• the maximum amount to be issued is 3 million rubles;
• provided to individual entrepreneurs, small business owners and small enterprises, the maximum annual revenue of which is 60 million rubles;
• the minimum age of the borrower on the day of the loan is 23 years;
• age of the borrower at the date of repayment of obligations - 65 years;
• the shortest period of doing business is 1 year.

VTB 24

The Bank has developed the Kommersant program for individual entrepreneurs and small business owners, the money from which can be used for any purpose. Within the framework of the program, there are three types of loans - Economy, Express and Comfort.

"Kommersant-Economy":

• amount - from 30 thousand to 1 million rubles;
• interest rate - 18, 22 or 26% (depending on the duration of the loan).

"Kommersant-Express":

• interest rate - 20, 24 or 28%;
• application processing time - 3 hours.

"Kommersant-Comfort":

• amount - from 30 thousand to 750 thousand rubles;
• interest rate - 22, 26 or 29%;
• simplified package of documents.

Alfa Bank

The bank offers an overdraft to pay for short-term cash gaps and replenish working capital to develop its business.

Peculiarities:

• term - up to 2 months;
• there is no need to provide collateral (sometimes the bank may require it);
• guarantors are required.

Raiffeisenbank

The bank offers small business owners a loan "Express".

Peculiarities:

• the maximum amount to be issued is 2 million rubles;
• there is no need to provide collateral and confirm the proceeds;
• a guarantee is required;
• the business owner must keep a bank account with turnover.

Ural Bank for Reconstruction and Development

The organization offers a loan "Overdraft Express" to replenish working capital.

Requirements set by the organization for IP:

• the maximum amount to be issued is 500 thousand rubles;
• duration - up to 2 years;
• annual interest rate - from 24 to 27%;
• there is no need to look for guarantors and provide collateral;
• business term - from six months.

The bank has developed a loan "MDM-Express".

Peculiarities:

• the amount to be issued - from 500 thousand to 3 million rubles;
• annual interest rate - up to 27%.
• pledges and guarantors are optional, there are no commissions.

The bank offers a loan to small businesses to replenish working capital.

Peculiarities:

• the amount to be issued - from 500 thousand rubles;
• loan term – up to 3 years;
• annual interest rate - at least 12.5%;
• collateral in the form of a car or real estate is required;
• there is a possibility of early repayment of obligations;
• you can create an individual repayment schedule according to the characteristics of the business (taking into account seasonality and other factors).

The organization has developed several loan products for medium and small businesses.

Simplified:

• the amount to be issued - from 100 thousand to 1 million rubles;
• annual interest rate - from 17%;
• loan term - up to 5 years (if the money is needed to replenish working capital - up to 36 months);
• a vehicle is required.

Loan "Stronger+":

• annual interest rate - 15-25%;
• loan term - up to 3 years.

"Above +":

• the amount to be issued - from 100 thousand to 10 million rubles;
• interest rate - 16-20%;
• loan term - up to 2 years.

The organization offers loans to small and medium-sized businesses.

Program options:

• "Revolving": up to 2 million rubles, up to 2 years, rate - from 13.5%;
• "Investment"
• "Secured by real estate": up to 300 million rubles, up to 5 years, the rate is from 13.5%;
• "Overdraft": up to 60 million rubles, up to 12 months, the rate is from 13%;
• "Guarantee": up to 100 million rubles, up to 3 years, the rate is from 3%.

The bank offers loans for small businesses.

Universal credit product - "Business without borders".

Peculiarities:

• the amount to be issued - from 300 thousand to 29 million rubles;
• annual interest rate - from 11.6%;
• loan term - up to 10 years.