How to get a loan to start a business. How to get a loan for a business from scratch? Which banks and on what terms provide loans for businesses from scratch?

Beginning entrepreneurs ask - which bank and where to get a loan for a business from scratch, where do they get a commercial loan? After all, not every institution will contact a client who does not yet have a stable income, just ideas?

Any young businessman can get money to start his business without racking his brains to find money, you just need to contact banking company. You will be offered several programs, and the choice of a businessman depends on his specific goals.

Loans to start and develop your business are profitable. They were developed specifically, focusing on the needs of entrepreneurs. There should be no problems with paying off the debt, because this can be done at the expense of the profits received.

The income from your own “brainchild” is, as a rule, more than the average salary of a Russian. This means that larger amounts can be contributed towards repayment. This way you can pay off your debt ahead of schedule.

According to experts, the payback on the amount issued to open a small business is achieved on average in 10-12 years. Therefore, many companies are not ready to approve an application from every aspiring entrepreneur. IN Lately Lenders took into account various risks, tightened their terms and raised rates.

Types of loan programs and key features

• Commercial mortgage. Everything here follows the classical scheme. To start, you often need premises (office, warehouse, retail, industrial, etc.). Of course, you can rent the premises, but there is an opportunity to buy it with a mortgage. To obtain it, you will need to mortgage the commercial property you are purchasing.
• Money for replenishment working capital. The simplest option is to open a credit line to replenish the operating system. The advantage is that there is no collateral required. The money can be used to pay for the supply of goods, salary payments and other expenses. There is a limit - a threshold of the amount that the borrower can receive. The limit depends on the monthly or annual turnover of the company. You can pay off debt not only through an annuity scheme. An individual schedule and deferred payments are possible.
• You can receive funds if you provide a business plan. Some organizations will give you money if you prove to them that your undertaking will be profitable. There are difficulties here, since many beginning entrepreneurs do not bother to write such a plan at all.
• Car loan. The purchase of transport is often required. A car loan is a good alternative to leasing. But you will need to make a down payment for the car. The key feature is that the car will be pledged to the bank until the debt is fully repaid.
• Overdraft. It allows you to “intercept” when there is a shortage of funds, and this allows the entrepreneur not to lose income. Overdraft is different in that it can be renewed. For example, you can receive tranches within six months (every 30 days). The amount starts from 250 thousand rubles. There is also a limit here, amounting to 30% of the company’s monthly turnover. But without collateral, approval cannot be obtained. The collateral can be real estate (both commercial and residential), a security deposit, transport or equipment.

Let's talk about programs.

To register you need:

• fill out the form,
• have with you a passport of a citizen of the Russian Federation, registration certificate or military ID,
• provide financial documents entrepreneur or legal entity (TIN).

The company gives preference to those individuals who will work under a specific franchise provided by one of Sberbank’s partners. The most important thing is to pay attention to a quality project and franchise.

Borrowers with a positive credit history are more likely to be approved. Read more about the meaning of CI in this article.

Also of great importance are the applicant’s financial situation, the presence of collateral, the number of dependents, the presence of a carefully drawn up business plan, a guarantee and the size of the down payment.

But now there are a large number of companies operating in Russia, and many of them offer their commercial lending services. We can also recommend contacting the following companies:

• Ural Bank for Development and Reconstruction, where you can sign an agreement at an interest rate of 11.5% per annum for a period of up to 3 years. Most profitable program— Overdraft, which is provided in the form of a line of credit for an enterprise. Details in this article;
• Alfa-Bank offers favorable conditions for its partner companies, rates starting from 15% per year. You can receive a large sum of up to 6 million rubles without guarantee, detailed information presented ;
• VTB 24, Avangard and Uralsib Bank also offer profitable products; details can be found in this review.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

Let's look at the loan application process:

• Contact the office of the financial institution.
• Select a program (for example, Sberbank offers 10 products).
• Register in tax office as an individual entrepreneur.
• Make a plan. The better it is presented, the greater the chances of approval of the application. This is the beginning of any business, and therefore banking organizations carefully study the project. The merchant must determine the main short-term and long-term directions of development of the company, carry out quantitative and qualitative analysis, calculate production volumes, the ratio of profits and costs, analyze market conditions.
• Choose a suitable office location, take care of advertising, hire employees, etc.
• Collect all the necessary papers and submit an application to the bank. To find out what documents you will need to prepare, check out this article.
• Prepare money for the down payment.
• Wait for a positive response, open your own business and develop it. Client analysis is carried out by credit specialists or through the system

The issue of starting your own business is often decided by a fairly round sum. Not everyone has savings, but in such cases they go to one place - the bank. Banking institutions can provide the most different types loans for companies of any level, including even those who want to open their own.

Which best deals On the market? What are the requirements of banks for borrowers? How to get a loan to start a business from scratch? First things first.

Not everyone is able to get a loan to start a business from scratch; banks have strict and slightly exaggerated requirements for such clients. Banks do not like to work with individual entrepreneurs (individual entrepreneurs hereinafter) and individual individuals. persons who run their own business.

The explanation for all this is obvious - banking institutions need guarantees that they will be repaid the loan. Not every aspiring entrepreneur can boast of this point, solvency.

An example on the surface, take the same mortgage: the bank will not issue money until it is sure of the borrower’s constant average income for the next few years.

The guarantee of repaying the bank's debt is money, constant income, reliability and profitability. As an additional guarantees can be used for valuable property, however, this is already inherent in all types of loans.

Lately Russian banks They only complicate the lending conditions, but you shouldn’t be upset - with the right approach, you can go through technical difficulties and get what you want.

Today we will look at: how to get a loan to start a business from scratch, what are the requirements for the borrower, factors for approving applications and an analysis of popular offers on the market from banks.

How to get a loan to start a business from scratch

It’s worth starting to study offers on the market with the leader, the main bank of the Russian Federation - Sberbank. He serves all clients, be they individual entrepreneurs, private entrepreneurs, LLCs, etc. Before going to the bank, it is important to understand whether you meet the basic criteria for approving a loan.

In order for the bank to approve the loan, it is important to know:

1. A competent business plan is the key to success. Every businessman must have a project on which he is going to work. This, by the way, does not depend on the size of the business and applies to both small and large businesses. It is important to reflect the company’s development strategy (for example, will it be long-term or short-term development).

Quantitative and qualitative analysis must be carried out with the processing of data on production, employee qualifications, etc. It is necessary to calculate the output products, the ratio to demand, and take into account potential costs and competition.

The business plan must convince investors that they should invest in this idea. The situation is the same with banks.

1. . If an individual entrepreneur at a bank says that he wants to open his own unique establishment, which the world has never seen before, then with a high probability he will leave with a refusal.

A franchise means a well-promoted brand in a certain business segment. For example, a franchise could be the Coca-Cola chain, McDonald's, etc. Doing business under the franchise of such companies guarantees stable profits and, accordingly, costs a lot of money, counting in the billions.

For a beginning individual entrepreneur, simpler options are suitable and, by the way, it will be very convenient if the franchise company is already a partner of the bank where you need to take out a loan. Sberbank singles out a company like Harat’s; it is one of many that sells affordable prices franchises.

1. It is worth considering the possibility of collateral before going to the bank.

Quite often, banks are approached by “naked” individual entrepreneurs who do not have the opportunity to pledge valuable property as proof of their solvency on the loan. Banking institutions are very careful in issuing money individual entrepreneurs who want to make money by creating their own small business.

An excellent option would be to have your own real estate or any other valuable property, such as a car. If you register the property as collateral for a loan, this will give the bank a guarantee that if you fail, they will be able to get their money back. For those who do not have property, it is necessary to have funds for an initial rather high contribution (from 30%).

If everything is ready, then you can start. Let's take an example of applying for a loan at Sberbank.

We head to Sberbank and do everything gradually:

1. A form is submitted where all the information is signed with a statement of intention to receive a loan for small development.
2. You need to select the loan program “Business Start”.
3. As an individual entrepreneur, you must register with the service.
4. Collect all documents required by the bank. This is not just an ordinary package of physical documents. persons (military ID for men, certificate 2-NDFL, pension certificate, passport), but also papers related to the business (the business plan itself, franchising (if any), confirmation of the availability of property as collateral, certificate of an individual entrepreneur or another company).
5. Complete the application itself Money.
6. Give the bank funds that will be used to pay off the down payment. (Or confirm the pledge with expensive property).
7. Get money and start the process of opening your business.

Requirements for the borrower

Here we will talk about the maximum requirements, compliance with which can increase the chances of receiving a loan by up to 90%.

Sberbank has standard conditions; any other bank will make similar demands:

• certificate 2-NDFL;
• accounts in other banks, ownership valuable papers and shares that can act as collateral;
• excellent credit history. An extremely important point that banks focus on both when working with individuals and individual entrepreneurs. If there is a current outstanding debt, then this is a big minus, because it burdens the client with additional financial costs;
• co-borrowers or simply business partners who have already proven to the bank that they can be trusted;
• the presence of valuable property registered in the name of the client, which is suitable as collateral;
• reports on monthly payments (rent, loan payments, utilities, etc.);
• business plan. The main item on this list that is worth doing well. It depends on him whether the bank will issue a loan or not. It should be voluminous and informative.

Speaking personally about the person who goes to apply:

• age from 27 to 45 years. Not earlier than 27, because there is a possibility that the client may be subject to military conscription, which will prevent him from paying the debt to the bank;
• no debts on other payments;
• absence of criminal convictions (especially for serious crimes);
• a certificate stating that the borrower is not registered in a mental health/drug dispensary.

Factors influencing the bank's decision to issue a loan

In fact, the above quite well reveals the meaning of those moments where it is said what the positive decision of the beneficiary directly depends on. When combining all of the above, three factors emerge: a competent, structured and relevant business plan with profit prospects, the client’s knowledge of a certain level of finance and a suitable franchise.

If the bank evaluates all three factors perfectly, then the client is very close to receiving a loan. It is also important to know that banks carry out planned work under their business lending programs.

The bottom line is that banks analyze the client according to two patterns:

1. Employees check the client's solvency and risk level, and then make a verdict.
2. “Scoring” is used, a system that operates automatically according to specified algorithms. The system filters borrowers by risk groups.

Sometimes two methods are used at once.

The following points may affect the issuance of a business loan:

• Company age. This indicator is considered one of the main criteria for approval of the application. Banks usually do not trust companies that were created less than six months ago, and especially those that were recently organized. But this does not mean that a start-up company will not be able to get a loan. There will be banking institutions who will issue a loan, but only at a high interest rate.
• Tell only the truth. Any information that the client provides to the bank is carefully checked. If employees find false information, then this will have an extremely negative impact on the loan decision.
• Oddly enough, for family people the approval rate is statistically much higher. You need to devote a lot of time to your family and this can distract from business. The logic of banks is probably that a family person has a more developed sense of responsibility;
• Social media. Recently, there have been noticeable trends in banking institutions checking their clients for social security. networks. Employees determine the level of “seriousness” of a person, analyze how much time he spends on such sites, whether he is looking for ways to get easy money, options to avoid repaying a loan, etc.

Analysis of the conditions of popular banks

Let's start by considering the conditions for a business loan from the most popular bank in the country - Sberbank.

This banking institution can issue a specialized loan for the following purposes:

• When funds are needed to put them into circulation for the company;
• If you need finance for the purchase of equipment, transport, etc.;
• If you need an express loan;
• Leasing;
• Business asset and Business investment;
• And simply for any purpose at the request of the client;

The bank dictates the following conditions for loans for any needs:

• The loan is issued for a period of 6 months to 4 years;
• The loan rate will start at 14.50% per annum;
• The deposit is optional and can be arranged at will;
• The amount of money issued is from 300,000 rubles. and up to 5,000,000 rub.

At Sberbank, to complete an application, a package of documents with 18 items is required. You can try to fill out a preliminary application using the Sberbank website.

Rosselkhozbank and its loans for small businesses

At this banking institution available loans for both large and small businesses.

Loans for small businesses can be issued for the following purposes:

• Purchase of equipment;
• Making investments in certain projects;
• When purchasing real estate;
• If you need to put funds into circulation;
• Any loans issued in other banks can be refinanced in this one;
• If it is necessary to perform seasonal work.

Conditions for providing loans:

• Time frame for loans up to 3 years;
• The amount of funds provided starts from RUB 50,000. and up to 100,000,000 rubles;
• Loan rates range from 9 to 20%.

Registration possible grace period(deferment of loan repayment) up to one year. On the bank’s official website you can make a preliminary calculation and immediately submit an application.

Alfa Bank and its terms and conditions for loans

At this banking institution you can get a business loan for the following purposes:

• Overdraft;
• If you need funds to purchase vehicles or equipment;
• Repair Vehicle and improvement of production;
• To refinance a loan from any other bank;
• For any need.

For any purposes stated by clients, Alfa Bank dictates the following conditions:

• The loan is issued for a period of 13 months and up to 3 years;
• Loan amount from RUB 500,000. and up to 6,000,000 rubles;
• The interest rate will be from 12.5% ​​per annum.

It is possible that the bank will require you to open a current account with Alfa Bank to issue a loan. If the client has a desire, then provision is possible. To receive a loan, you will need to provide 9 items to the department.

VTB 24 – conditions for loans for small businesses

VTB 24 offers a lot of credit lines for small businesses. Exist special programs, which are suitable for newly opened companies.

Goals can be very different:

• Replenishment of the company's working capital;
• Refinancing of loans already taken from other banks;
• Express loans for any purpose if you urgently need money;

Express loans at VTB 24 are issued on the following conditions:

• Time frames up to 60 months;
• Issued from 500,000 rubles. up to RUB 5,000,000;
• The pledge is solely at the will of the client;
• Loan rate from 14% to 19%.

The bank also has special programs, for example:

• “Turnover” – if you need to add money to the company’s turnover;
• “Overdraft” - so that there are funds in excess of the available amount to ensure stability;
• “Business prospect” - for the purchase of the required equipment or for the modernization of equipment.

The rate directly depends on whether the company is a client of the bank, as well as what collateral the organization will have for the loan.

If collateral is provided and the firm has good credit and banking history, then the client can count on receiving minimum rate on loan.

How to get money to start a business, watch the following video:

Oct 5, 2017 Help manual

You can ask any question below

Any business requires constant investment of finances, otherwise stagnation and losses are not far off. And already at the start, from the moment of registering the legal status, initial costs and investments cannot be avoided. It’s good if you have start-up capital or help from friends. What should those who do not have free funds do, but still need them?

Bank lending is one of the most attractive tools for small business development. Prompt receipt of funds helps entrepreneurs quickly and effectively respond to emerging problems. Current proposals are developed for different needs - development of the company, replenishment of working capital, expansion of product or production base, equipping new jobs, etc. Almost every bank today offers a wide range of loan products for small and medium-sized businesses to choose from.

When considering an application for a loan, banks take into account the possible monthly income of the entrepreneur (current and planned), and analyze the risks and prospects of the industry. The main and decisive aspect in favor of granting a loan is the client’s solvency. Typically, an individual entrepreneur has two subject statuses market relations- employee and business owner. This duality provides certain advantages to the borrower, but can also lead to negative consequences.

Main influencing factors

Practice shows that banks are much more willing to lend to employees who have proof of their ability to work and pay. In this case, not only the basic salary is considered as income, but also additional sources profits (rent of property, pension/benefits, interest on deposits) and part-time employment. As confirmation, it is enough to provide the established forms of documents - income certificates, lease agreement, work book.

If you are an entrepreneur, it is quite difficult to assess the level of solvency. For example, the main income from financial and economic activities can be confirmed by declarations, a book of income/expenses or accounting reports. But what to do if you need to provide specific figures for future periods, and the business has opened from scratch? In this case, credit institutions require a business plan to be written, in the preparation of which the manager must take into account the specifics of Russian realities, as well as explain in detail what the borrowed funds will be used for and from what sources it will be covered.

Types of business loans

To get approval and quickly apply for a loan, let’s figure out what types of lending exist and how they differ.

Available loans for entrepreneurs:

1. Express loans– are the easiest to process; a minimum package of documentation is required: a passport and a driver’s or pensioner’s license. Interest rates, of course, significantly “bite” due to the inherent risks, the amounts issued are small (within 100,000 rubles), and the purposes of spending are very limited. Suitable for those who have little time and no other available options.
2. Consumer loans– are issued for any purpose, however, business ideas are not included in this list. If you intend to take consumer loan How individual, don’t even mention that you are going to invest money in the development of the company. Otherwise you will get a refusal. It is required to provide more supporting documents, but this in turn gives a chance to borrow a large amount and for a long period, and the interest rate is significantly lower than in the previous option. Be prepared for banks to check your solvency and the fact of actual employment - by calling you at work, for example. In addition, if the client is registered as an individual entrepreneur, it will be very difficult to hide this. In this case, a guarantor is usually required, and for amounts exceeding 500,000 rubles, a pledge is required to be issued on existing property. In some credit institutions, the terms of the agreement clearly state the impossibility of issuing borrowed money entrepreneurs when registering consumer programs.
3. Target programs– targeted types of lending for small and medium-sized businesses. Combines properties consumer loans and financing legal entities. They are offered for specific purposes - to open a company, to purchase real estate, transport or expensive equipment. The property acquired by the debtor acts as collateral, therefore interest rates slightly lower than consumer lending. Overdraft, franchising and factoring are issued without collateral.

There are a number of banks operating under the government program to support small businesses. As part of such proposals, the Small Business Assistance Fund can act as a guarantor for a businessman. But this is not available to all businessmen, and, above all, to those who have already worked for at least three months. Regional budgets also offer their own programs for beginners, under which you can count on reimbursement of interest on loans, subsidies or grants for business development.

Which banks can you get a loan from?

Most large banks provide loans to small businesses, among which Sberbank, VTB 24, and Bank of Moscow stand out first. The list of proposals is very wide; below are the most interesting and effective ones.

Current programs in Sberbank of Russia:

1. Replenishment of working and fixed assets for entrepreneurs with annual revenue not exceeding 400 million:

• “Business turnover” - in the amount of 150,000 rubles, for a period of up to 4 years, rate from 14.8%.
• “Business overdraft” - if there is insufficient money in the bank account in the amount of up to 17,000,000 rubles, for a period of up to 1 year, the rate is from 12.97%.
• “Business real estate” – for purchase commercial real estate for amounts from 150,000 rubles, term up to 10 years, rate 14.74%.

2. Express offers for entrepreneurs with annual revenue not exceeding 60 million:

• “Express secured” – in the amount of 300,000-5,000,000, for a period of 6-36 months, at 16-23% per annum. If security is provided, preferential terms are considered. No confirmation of the purpose of use is required, no fees are charged for early repayment and design. Short application review period.
• “Trust, standard tariff” - for amounts up to 3,000,000, duration up to 3 years, interest from 19.5%.
• “Business trust” – provision of up to 3,000,000 without collateral, for a period of up to 4 years at 18.98%. There are also no commissions, but 1 guarantor is required, except for certain categories of business.

3. Leasing offers– for the purchase of cars, trucks, special vehicles. Issued up to 24,000,000 rubles, duration from 12-21 months. Mainly required advance payment from 10%, and the repayment schedule and rates are specified depending on the specific program.

4. Bank guarantee – a means of ensuring partnership obligations. Issued for amounts starting from RUB 50,000. up to 3 years at 2.66%.

Interesting basic programs at VTB 24:

1. "Overdraft"– to cover cash needs, from 850,000 is issued for a total period of 1-2 years, the duration of the tranche (continuous debt) is 30-60 days. Interest from 18.5% per year. Without deposits, commissions and the need to reset your account monthly.
2. "Loan for mortgaged property» – for the purchase of objects pledged by the bank. Issued up to 150,000,000, duration up to 10 years. An initial fee not less than 20% of the cost, annual interest are specified individually.
3. “Targeted lending secured by purchased goods”– amount 850,000 for 5 years. When registering an additional collateral, it is possible to receive money without paying an advance. There is a commission from 0.3%, annual rate from 14.5%.
4. "Revolving loan"– from 850,000 rub. provided for seasonal and cyclical processes or replenishment of working capital. Duration up to 2 years, rate from 16%.

Advantageous offers from the Bank of Moscow:

1. "Business Perspective"– for the development of the company, replenishment of fixed/working assets, from 3,000,000 to 150,000,000 rubles are issued, for a period of up to 5 years. The conditions are negotiated individually depending on the assessment of the borrower's potential solvency.
2. "Overdraft» – up to RUB 12,500,000 is available. to finance payment gaps, including paying taxes and paying salaries to employees. Terms up to 1 year, tranche up to 30 days. Entrepreneurs who have been operating for at least 9 months can count on it.
3. Turnover program– to replenish working capital, it is realistic to borrow from 1,000,000 to 150,000,000 rubles, for a period of up to 2 years. After analyzing your creditworthiness and subject to working for at least 9 months. the interest rate on the loan is determined.
4. Program "For Development"– any property owned by the borrower is accepted as collateral. Amounts up to RUB 150,000,000, duration up to 60 months.

Algorithm of actions

• To get a loan, you must first decide on a bank and familiarize yourself with the proposed financing conditions.
• Then collect the required documents for filing the application and subsequent registration. Each institution has its own list; they usually ask the borrower to provide a questionnaire indicating personal data; passport and military ID; registration certificates, extract from the Unified State Register of Individual Entrepreneurs and a license to operate. For the guarantor - also a questionnaire and passport; if there is temporary registration, a document confirming it; military ID and 2nd personal income tax certificate for hired employees. In some cases, they ask for a list of assets and the franchisor’s consent to cooperate.
• Entrepreneurs must be asked to provide financial statements for the last period and the balance sheet at the end of the period. You will also need a book on income and expenses, a collateral sheet of property and a business plan with prospects for the development of the company.
• If they don’t give you a loan without a guarantor, try to negotiate with one of your close friends or associates.
• Once all the documentation has been prepared, you can submit your application. To be sure, try to contact several financial organizations at once. If one is rejected, it is quite possible that another will be approved.

There is a high probability of obtaining a loan from clients with a positive credit history, no criminal record or late payments. The period of activity is generally at least 1 year, and the property has liquid, easily realizable assets.

Why can an entrepreneur be denied a loan?

A special department, the credit committee, reviews applications in banks. Funds may be denied for various reasons. The main one is insufficient solvency. That is why it is necessary to pay maximum attention to drawing up a business plan.

Bankers have a biased attitude towards individual entrepreneurs due to the specific legal status. An individual entrepreneur can quickly complete his activities and “wind up” the business. The closing procedure is easier than that of an LLC, for example. It is more difficult to calculate financial prospects; therefore, they are more willing to accommodate those businessmen who can provide property as collateral. If there is a decline in the industry, which has already happened with the tourism business, taking out loans for the opening and development of a company is also pointless due to the expected refusal. And the presence of overdue payments for taxes, contributions and debts wages, will serve as an additional reason for making a negative decision.

In conclusion, we note that an entrepreneur can always count on a cash loan, the main thing is to choose the optimal option. When choosing, you need to decide what is more important: getting money quickly but at a high cost, or building long-term relationships with a financial institution, working for the future and proving your solvency.

Be sure to watch the video

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

What loans can you get to open and develop a business in Moscow?

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

• loan for current expenses: money is provided for any purpose;
• , to implement expense transactions and increase in inventory;
• for the purchase of commercial real estate and land;

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

A targeted loan can be obtained by both beginning businessmen and owners of long-established enterprises. Especially for startups, 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 financing for the development of a business developed according to your own business plan.

Loans for small businesses - conditions and requirements

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

Conditions depend on credit program:

• rates from 11% per annum;
• a loan for a business from scratch in Moscow can only be obtained with a guarantor or secured by security;
• term – up to 5 years;
• When purchasing commercial real estate, transport and equipment, a down 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 financial activities enterprises;
• constituent documents.

If the loan is issued to start a business, then the borrower needs to 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. Credit calculator will help you quickly calculate monthly payment, percentage and amount of overpayment.

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 loan for business development for LLCs. You just need to choose the most optimal program with suitable conditions and requirements.

If you need to get a loan to develop your business, it is advisable to familiarize yourself with the programs of several banks. It’s even better to consult with a professional consultant who will help you choose the optimal conditions. An equally important task is to familiarize yourself with the agreement, 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 completed for at least 6 months, otherwise the application will be rejected.

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

Types of loans for LLC

Typically, lending is carried out with a smaller amount and a large percentage. Then credit institutions present a division of amounts. The first can be issued without collateral, but 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 off your debt by depositing funds into your current account. The money is debited automatically. The goal is to support the company's turnover. The money can be spent on eliminating shortages in the cash register and payment turnover. Funds can go to the budget. This lending option is considered the most profitable. Interests can be fixed or differentiated. Repayment is carried out automatically.
• Credit line. Used for business expansion. A line of credit can be revolving or non-revolving. Typically these loans are used to purchase new funds. It is possible to purchase raw materials. Financial organizations lend in cashless form. The funds are spent in whole or in part. A non-target program is used, but credit organisation can control expenses.
• Investment loan. To expand your business or need to purchase equipment, you can take out 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 investment plan, which reflects ways to increase income.

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

Conditions

A loan for business development for LLCs is issued in Sberbank, VTB 24, Alfa-Bank and others financial institutions. Each program offers its own conditions. It is possible to issue loans with collateral, guarantee or without providing collateral.

Banks offer loans up to 5 million rubles at a rate of 14.5 to 17%. Often businessmen are offered government 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 steps:

1. Contact a bank that has existing accounts.
2. Apply for a loan.
3. Collect documentation.
4. If approved, 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 contact?

Loans to small and medium-sized businesses are provided in different banks. 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 lending, which all entrepreneurs can apply to. The programs are valid for representatives of small and medium-sized businesses, as well as for large corporate clients. The bank offers several programs with collateral, guarantee 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 through which you can apply for subsidies to develop your business. Support can be refundable or non-refundable. Not everyone will be able to receive such funding. Socially oriented, industrial, agricultural, and business projects have an advantage.

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

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

How to apply?

Loans are issued to small and medium-sized businesses within a few days. This 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 refused.

From scratch

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

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

Beginning businessmen often have their loan applications automatically rejected. The way out in this situation would be to design consumer loan to an individual by providing property as collateral. Loans for business development from scratch are issued with guarantors.

No collateral

Applying for 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. A condition for registration of such a transaction is the guarantee of the business owners.

Requirements

A business development loan for an LLC is provided if several requirements are met:

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

Documentation

An application is required to receive a business development loan for an LLC. The documents may differ depending on whether the person is a bank customer 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 documents, registration documents. You will also need a card with sample signatures of persons who have the right to sign. We need their passports and TIN. The list of documents is sometimes expanded.

Sum

A loan for business development 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 company's solvency and fulfillment of the obligations assumed when signing the loan documents.

Rates

Interest on loans for all clients is determined for each client individually. Loan fees depend on several factors:

• solvency;
• financing period;
• loan currencies;
• the presence of collateral or surety.

Base rates are now 14.5-17% per year. And according to benefit programs 10% applies from the state.

Deadlines

Under standard programs, loans are issued for a period of up to 3 years. Sometimes longer lending times apply. Early repayment is also possible, but you need to find out immediately if there is an additional fee for this.

Redemption

The loan is repaid in equal or differentiated installments. Sometimes probable individual options repayment schemes. The transfer is made from a current account to a credit account. If you fail to make a payment on time, the bank will accrue late payment and your credit rating will be lowered.

Advantages and disadvantages

A business loan has its advantages:

• no withdrawal of funds from circulation is required;
• It is possible to obtain a loan without collateral;
• you can become a member state program by taking out a preferential loan.

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