The loan program is your business. Credit in Sberbank - conditions for issuing a loan

The stage of collecting documents is the most important when obtaining a loan. Banks and other credit organizations are very scrupulous about whether the entrepreneur has all the necessary papers, whether they are properly executed. Due to minor inaccuracies and errors in the documents, the bank may even refuse to open a current account, not to mention the issuance of borrowed funds!

A bit of theory

Each bank has its own requirements for the number and type of documents that a young businessman must bring. The bank manager will in any case give you a complete and final list of papers after you receive pre-approval of your loan application. But there are those documents that any credit institution will definitely require. They are listed in the next section.

A lot depends on the type of loan. For example, with classic microcredit, you will need the most extended package of documents, including financial ones, and a detailed business plan. With express lending, paperwork is many times less (but the interest rate is many times higher). Banks require a bunch of financial and collateral documents, and Enterprise Development Centers look mainly at the business plan and the progress you have made.

Minimum package of documents

These are the papers that the bank needs to make a preliminary decision on the possibility of lending.

1. Application form. This is a standard application for a small business loan, which the entrepreneur fills out directly at the bank.
2. Copies of constituent and registration documents (as well as re-registration, if you have made changes to the constituent papers). This is the Charter, the decision to create a company. If you take out a loan from the same bank where you have a current account, you do not need to bring these documents.
3. Copies of personal passports (both yours and your spouse and other participants in the transaction, if any). We need copies of all pages, including blank ones.
4. Fresh (up to 30 days) extract from the Unified State Register of Legal Entities or EGRIP. You can also bring an extract with a statute of limitations of more than one month, but then you will have to attach a written notification to it that it is really correct and no changes have been made to the constituent documents.
5. Consent to the processing of personal data. This is a standard receipt issued by a bank.
6. Business plan. Without a detailed business plan, you will not be given a loan. About what points you need to pay attention to when compiling this document, it is said in the article "".

Main package of documents

These documents are needed by the bank to conduct a deep financial and collateral analysis. They will be asked to provide a bank employee who came to your office (or other place of business) to assess the situation.

• certificate from the tax office on the presence / absence of debt to the budget and extra-budgetary funds;
• a certificate from the same place about open settlement accounts (or a letter from the Federal Tax Service Inspectorate refusing to provide this certificate);
• certificates from the banks serving your business on the status of file cabinet No. 2;
• certificates from there on the presence or absence of debt under loan agreements, as well as guarantee and pledge agreements (copies of these agreements will also need to be provided);
• certificates from the same place on the turnover on current accounts for the last year;
• a card with sample signatures and an imprint of the IP seal (this applies only to IP);
• copies of licenses for the right to engage in activities requiring official permission;
• management and official financial reporting documents;
• tax returns;
• detailed breakdown of the main balance sheet items;
• papers for the premises used for office and warehouse (lease and sale agreements, certificates of ownership, etc.);
• papers on the ownership of property (contracts for the sale of equipment, PTS, PSM, etc.);
• up-to-date, valid agreements with three main buyers or suppliers (if you are a landlord, then agreements for renting real estate);
• contracts for the intended use of funds that you are going to receive on credit;
• documents on collateral (depending on the type of collateral);
• if a transaction with a bank is made by a trustee, and not by the businessman himself - the original or a copy of the power of attorney certified by a notary.

This is the maximum list of papers, it is difficult to demand something else from an entrepreneur. A loan for small businesses must be documented - this is the rule of credit organizations.

And do not forget that individual entrepreneurs can take ordinary consumer loans. True, the amount given to entrepreneurs is less than to private citizens. 200-300 thousand is not much, but why not take it if you just need to purchase a couple of pieces of equipment or urgently pour additional finance into circulation? Fortunately, few documents are needed - a passport, income statements and some additional certificate (employment book, driver's license, passport, etc.).

Decor

All copies of documents that you bring to the bank must be numbered, stitched, sealed and signed. No one will sort through a huge disordered heap of papers. The mark "copy is correct" must be present. You can either put it down yourself (if possible), or ask a bank employee to do this. In the latter case, the employee must indicate on each copy his position and the date of certification.

What is the result?

As an entrepreneur, you understand the importance of paperwork in our country. Always check documents several times before submitting them. An accidental mismatch of data, inaccuracy in design - and the papers will most likely be sent for rework. There is an urgent need for a loan, and you have to, cursing, delve into declarations and extracts. Unpleasant situation.

And most importantly, always check with the bank manager for any incomprehensible points. Torment the poor fellow with questions - let him give it his all, but then you won’t have to waste time and nerves. Find out from him exactly what documents are needed to get a small business loan from a bank, but initially be prepared to provide any of the papers listed in this article. Think about how long it will take to obtain those documents that you do not yet have on hand, ask a lawyer you know to advise you on registration issues. All this will allow you to feel confident in front of employees of the financial monitoring department.

Lending programs for small and medium-sized businesses now exist in almost every major bank. For individual entrepreneurs and legal entities, not just money is offered, but targeted programs developed taking into account the needs of business owners and the characteristics of the field of activity.

What loans can be obtained for opening and developing a business in Moscow

Small and medium-sized businesses are offered several targeted programs:

• loan for current expenses: money is provided for any purpose;
• , for the implementation of expenditure operations and an increase in inventory;
• for the acquisition of commercial real estate and land;

Loan programs differ in the form of receipt. Many banks have express lending, which allows you to urgently receive funds without guarantors and with a minimum package of documents.

A target loan can be issued by both novice businessmen and owners of long-standing enterprises. Especially for start-ups, banks offer loans to small businesses from scratch. As part of this program, you can buy a franchise, a ready-made enterprise, and also receive funding for the development of a business developed according to your own business plan.

Small business loans - conditions and requirements

Conditions vary depending on the bank and the purpose of the loan. Lenders consider applications from owners of enterprises with annual revenues of up to 400 million rubles. Special requirements are put forward in relation to the duration of the company. The business should not be less than 3 months old (in some banks - at least 6-12 months).

Conditions depend on the loan program:

• rates from 11% per annum;
• a business loan from scratch in Moscow can only be obtained with a guarantor or on bail;
• term - up to 5 years;
• when purchasing commercial real estate, vehicles and equipment, an initial payment is required.

To get a loan to buy a business in Moscow, you will need to collect an extensive package of papers:

• personal documents of the business owner (passport, TIN);
• reports on the financial activities of the enterprise;
• founding documents.

If a loan is issued to open a business, then the borrower must provide a business plan and documents on registration of an individual entrepreneur or LLC. When choosing a loan program, you should proceed from the goals, requirements of banks and your capabilities. The loan calculator will help you quickly calculate the monthly payment, percentage and amount of overpayment.

A successful business is an opportunity to have high incomes, independence and provide a future for yourself and your children. The vastness of our country and the unmet need for modern services and goods makes such opportunities real. Today, more and more people are thinking about starting their own business. A successful, original idea, implemented on the market, allows you to receive a stable and sometimes quite high income. But even with a promising business idea, creating your own enterprise is not such an easy task. The implementation of any idea should begin with market research and an analysis of the necessary resources for the implementation of the project. However, even having calculated a real business project, a novice entrepreneur, most often, is faced with the problem of lack of funds to launch it. Money is needed for the purchase of equipment, raw materials, the purchase of goods for retail trade and, finally, for informational, advertising promotion of a product or service.

If you decide to run a business on your own and do not want to turn to existing entrepreneurs, and relatives and colleagues are not able to help you, then the only way out of the situation is to get a loan. However, if you apply for a bank loan without preparation, you will most likely be refused.

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

On television, in the press, and simply on street advertisements, you can often see offers of loans to develop small businesses from scratch. However, in order to receive such funds, it is necessary to overcome certain bureaucratic procedures. It is especially difficult to do this in the absence of collateral instruments and a long credit history. Nevertheless, today it is quite a real task to receive the necessary funds on fairly favorable terms.

Many entrepreneurs do not apply to credit institutions for fear of falling into "financial bondage".

Of course, there is always risk in business, but if you have a real business plan, then a bank loan can be a good start. Your status as an entrepreneur does not play a significant role. Loans are issued to individual entrepreneurs, limited liability companies, joint-stock companies. The form of taxation you choose also does not play a significant role. What is the best bank to work with? There is a universal advice - try to contact the bank in which you have already been served. If you have already taken small consumer loans and repaid them on time, had deposit accounts or received a salary, then the bank will treat you with great confidence. Before contacting the bank, prepare the primary information on your project. Be very careful about justifying the amount of the loan itself. Getting several tens of millions of rubles to open a business without collateral and guarantee is an unrealistic task. But a loan to start a business from scratch without collateral in the amount of several hundred thousand or one or two million rubles is quite real. Typically, banks issue such loans for a period of three to five years.

Many entrepreneurs decide to expand their business. But in this case, there may be a lack of funds to achieve the goal. Banks offer to issue a business development loan for LLC. You just need to choose the most optimal program with suitable conditions and requirements.

If you need to get a loan for business development, it is advisable to familiarize yourself with the programs of several banks. Better yet, consult a professional consultant who will help you choose the best conditions. An equally important task is to familiarize yourself with the contract, which specifies the terms of the transaction.

Features of small business lending

A company registered as an LLC cannot issue a consumer loan compared to an individual entrepreneur. Therefore, they have little choice. But banks are constantly releasing new programs. The main requirement is the activity of the company. It must be carried out for at least 6 months, otherwise the application will be refused.

The organization provides an opportunity to use a credit line, which will increase with expenses. This is an unsecured loan. Even during the crisis period, banking institutions provide loans to the population. The bank usually does not lend to large enterprises without collateral and guarantors.

Types of loans for LLC

Usually lending is carried out with a smaller amount and a higher percentage. Then credit organizations will present the division of the amounts. The first can be issued without collateral, and the second must be secured. The loans themselves are divided into the following types:

• Overdraft. Transfer of the approved amount to the borrower's current account. You can pay the debt by depositing funds into the current account. Money is debited automatically. The goal is to support the turnover of the company. The money can be spent to eliminate shortages in the cash register, payment turnover. Funds can go to the budget. This loan option is considered the most profitable. Interests are fixed and differentiated. Repayment is automatic.
• Credit line. Used for business expansion. The credit line can be revolving and non-revolving. Typically, these loans are used to purchase new funds. Purchase of raw materials is possible. Financial institutions lend in non-cash form. Funds are spent in whole or in part. A non-targeted program is used, but a credit institution can control spending.
• Investment loan. To expand the enterprise or the need to purchase equipment, you can apply for such a loan. But the conditions for it are more stringent compared to other loans. It is necessary to collect a lot of documents, as well as create an investment plan that reflects ways to increase income.

A credit institution may require the first payment of 30-40%. The loan period is 15 years. If the company has been operating not so long ago, then there may be a refusal. Loans are not issued with a zero balance. Sometimes a deposit is required.

Terms

A business development loan for an LLC is issued at Sberbank, VTB 24, Alfa-Bank and other financial institutions. Each program has its own terms and conditions. It is possible to issue loans secured, surety or without providing security.

Banks offer loans up to 5 million rubles at a rate of 14.5 to 17%. Often, businessmen are offered state programs and registration through large institutions of the Russian Federation.

Receipt

How to get a loan for business development? To do this, you need to go through several stages:

1. Contact a bank that has valid accounts.
2. Apply for a loan.
3. Collect documentation.
4. Upon approval, read the terms and conditions.
5. Sign documents and receive money.

If you contact a bank that does not have accounts, the institution may require you to transfer all or part of the funds.

Where to apply?

Loans for small and medium businesses are provided by different banks. The amounts and rates for each client may be different:

• Sberbank - up to 5 million rubles from 16%;
• Alfa-Bank - up to 6 million rubles at 17%;

• Raiffeisen Bank - up to 4.5 million rubles, and the rate is set individually;
• VTB 24 - up to 4 million rubles from 14.5%;
• "Bank of Moscow" up to 150 million rubles at an individual rate.

Sberbank

Sberbank offers business loans, where all entrepreneurs can apply. Programs are valid for representatives of small and medium-sized businesses, as well as for large corporate clients. The bank offers several programs secured, surety and without collateral.

The amount can reach up to 5 million rubles. The rate is 16-19.5% per year. Loans are provided for various purposes: reconstruction, purchase of fixed assets, expansion.

Government program

Not everyone knows that there are various business support programs for which you can apply for subsidies to develop your business. Support can be returnable or non-refundable. Not everyone can get this kind of funding. Socially-oriented, industrial, agricultural, business projects enjoy the advantage.

The number of jobs, the usefulness of products or services are taken into account. It is also important to evaluate the originality, profitability and payback period of the project. Working programs and conditions for participation in them are issued on the official websites of the city.

The application is free of charge, so every organization can try. If you prepare an appropriate business plan, then it is realistic to receive funds from the state. More preference is given to entrepreneurs who already have an established business with a steady income.

How to apply?

Loans for small and medium-sized businesses are issued within a few days. It depends on the conditions and requirements, for example, when obtaining a loan with collateral.

Obtaining a loan for an LLC is usually carried out with the provision of liquid collateral or the invitation of a guarantor. Otherwise, the loan will be denied.

From scratch

Loans are issued for business development from scratch, but it is quite difficult to arrange them. Banks impose strict requirements on borrowers:

• making a profit by the enterprise;
• company registration for at least 6 months-1 year.

Business start-ups are often automatically rejected for loans. The way out in this situation is to issue a consumer loan to an individual, providing property as collateral. Loans for business development from scratch are also issued with guarantors.

Without collateral

Getting a loan for an LLC without collateral is quite difficult. Borrowers should remember that some institutions, for example, Sberbank, VTB, provide such loans, but the rate will be quite high. The condition for the execution of such a transaction is the guarantee of the business owners.

Requirements

A business development loan for an LLC is provided subject to several requirements:

• staff - no more than 100 people;
• profit per year - up to 400 million rubles;
• the income of micro-organizations is 60 million rubles, and the staff - no more than 15;
• registration in the Russian Federation;
• business legality;
• age 23-65 years;
• positive credit history;
• good financial turnover.

The documents

An application is required to obtain a business development loan for an LLC. The documents may differ depending on whether the person is a bank client or not. Regular borrowers must provide recent financial statements, collateral papers, and guarantors.

If the client does not use the services of the bank, then he must prepare constituent, registration documents. You will also need a card with sample signatures of persons who have the right to sign. We need their passports, TIN. The list of documents is sometimes extended.

Sum

A business development loan for an LLC is issued in the amount of 3-5 million rubles. But some institutions, for example, the Bank of Moscow, issue large sums. The condition is the solvency of the company and the fulfillment of obligations that are assumed when signing loan documents.

Rates

Interest on loans for all clients is determined for each client individually. The fee for using loans depends on several factors:

• solvency;
• funding period;
• loan currency;
• existence of a pledge or surety.

Base rates are now 14.5-17% per year. And according to preferential programs from the state, 10% is valid.

Timing

Under standard programs, loans are issued for up to 3 years. Sometimes there is a longer crediting time. Early repayment is also possible, but you need to immediately find out if there is an additional commission for this.

Redemption

The loan is repaid in equal or differentiated installments. Sometimes individual repayment scheme options are possible. The transfer is made from a current account to a credit account. In case of untimely payment by the bank, a delay is accrued, and the credit rating is also lowered.

Advantages and disadvantages

A business loan has its advantages:

• withdrawal from circulation of funds is not required;
• it is possible to obtain a loan without collateral;
• You can become a member of the state program by issuing a preferential loan.

But it should be borne in mind that banks in the field of lending work only with proven businessmen. Borrowers must confirm solvency, open current, deposit accounts, corporate cards for the company. Only then is a loan possible.

Starting your own company or promoting a project is expensive. For start-up businessmen, such capital investments become an unbearable burden, so loans to support enterprises become excellent sources of financing at the start.

What are the features?

If you are a business owner, then you probably often have situations when you need to make cash injections. This may be the purchase of new equipment or consumables in large quantities, the modernization of an existing enterprise or its expansion, the development of a business, etc.

It often happens that at the moment it is impossible to withdraw from circulation a large sum of money, which is so necessary for the purchase of a certain product or service. In this case, banking institutions that work with legal entities can come to your aid.

At the moment, there are banks that are entirely aimed at working with entrepreneurs and owners of enterprises, firms and companies. This is where you can find the most advantageous offers and flexible terms.

If you need the lowest rates, then you need to contact large state-owned banks - Sberbank, VTB, Gazprombank. If you need flexible options for confirming income, and programs without collateral, then choose less “promoted” brands, for example, Promsvyazbank, Avangard, etc.

What is the lender looking for? For the time of your work in the market, for performance indicators, financial indicators of profitability and profit. All this will need to be documented. It is not uncommon that security in the form of guarantees, guarantees or material assets is required.

Who works with SMEs

PJSC "Sberbank of Russia"

The most could not stay away. Every year, Sberbank offers more favorable rates and conditions to attract entrepreneurs. And in 2019, he registered a subsidiary microcredit company, Outstanding Credits.

The start of the pilot project is scheduled for the 3rd quarter of this year in three cities of the Russian Federation - Moscow, St. Petersburg and Nizhny Novgorod. The conditions are as follows:

• The debt service period is 12 months.
• The limit is up to 1,000,000.

The level of interest rates has not yet been announced, but, according to experts, they will not be higher than competitors - 30% per annum. To sign the agreement, you must provide a passport and legal documents, fill out an application with all the information about the company. The borrower must be between 25 and 60 years of age.

The advantages of the organization over other companies include a quick response, a minimum package of papers, and prompt issuance of a loan.

At the moment, the institution is ready to issue money within the framework of the bank branch for programs

1. "Express bail",
2. "Confidence",
3. "Business Trust" with and without collateral.

PJSC Promsvyazbank

For small businesses, where the revenue is not more than 540 million rubles. the "Credit-Business" package is valid:

• Amount - from 3 million to 150 million rubles.
• The term is up to 15 years, the maximum limit is given only for the purchase of real estate. To replenish working capital - 3 years, for - 10 years.
• Deferred payment repayment - one year.
• Flexible approach to collateral selection.
• Currency - US dollars, Euro, Rubles.
• The answer is provided within 5-10 days.

As part of the offer, you can profitably purchase a vehicle, equipment, real estate, perform repairs, and replenish working capital.

For companies with revenues up to 4.5 million rubles, there are several loan programs. These are "SuperOverdraft" and "Overdraft". The first one is available for enterprises with maximum account turnover. Issue up to 60 million for 5 years.

The “Short-term lending” offer allows you to receive money for business development for an LLC in the form of a line of credit or a commercial loan (here rubles are given immediately). Loan amount and interest are set independently. As a rule, collateral is a prerequisite.

JSC Rosselkhozbank

Money to replenish working capital in the framework of 5 projects:

• "Micro overdraft": 300 thousand for 12 months.
• "Micro" - 4,000,000 for 3 years.
• "Working Standard" - money to replenish working capital for 2 years, it is possible to issue 100% on the security of goods and materials.
• "Individual lending", where% and limit are specified by the bank independently, depending on the personal preferences of the client. The investment period is 2 years.
• "Personal overdraft" - rubles to cover cash gaps, the limit is up to 10,000,000.

The first two proposals are designed to provide money to microbusiness enterprises. In addition, the institution offers projects for the promotion of agricultural, construction companies, livestock and fishing businesses that carry out seasonal activities.

PJSC Vozrozhdenie

A good Invest program, where they lend up to 250,000 at a rate of 13% per annum for up to 5 years. Even before submitting an application, the manager, based on the personal data of the borrower and his company, will be able to announce a personal% on the loan.

The lender always takes into account, is ready to offer flexible cash settlement conditions.

PJSC VTB24

A minimum of formalities and a quick response are promised for the Kommersant project:

• The rate is from 14%.
• The limit is from 500 thousand to 5,000,000.
• The term is 5 years.

The Investment Lending program will allow you to launch any business process:

• The amount is from 850,000.
• Deferral of repayment - six months.
• From 11.8% per annum.

As part of obtaining loans from banks, do not forget about bonuses from the state. These are certain programs aimed at supporting SMEs. Regional microloan funds are ready to lend up to 1,000,000 in 2019 at 8.5-11% per annum. Payment is expected within 3 years.