Business lending from scratch. Sberbank loan for individual entrepreneurs to start a business from scratch
How to get a loan to start a small business from scratch? Where can I get a soft loan to start a small business? What are the conditions for a small business loan?
The most common question new entrepreneurs ask themselves is where to get start-up capital to start a business? If you can’t borrow money from parents, friends or get a loan from the state, there is only one option left - a bank. There is always money and in any quantity.
With you is Denis Kuderin, an expert in finance for the HeatherBober magazine. I will tell, how to get a loan to start a small business what requirements banks impose on novice businessmen, and whether there are soft loans in nature for newly-minted individual entrepreneurs and LLCs.
We read the article to the end - in the final you will find an overview of banks with the most favorable lending conditions and tips on how to increase the chances of a positive response from a financial company.
1. Small Business Startup Loan - Helping a Start-up Entrepreneur
Small business (SB) is a commercial enterprise with less than 100 employees and no more than 100 annual revenues. 400 million rubles . For small businesses provided special tax regime and simplified accounting procedure.
Lack of start-up capital - the main stumbling block for novice businessmen. The lack of assets hinders the development of one's own business, prevents the realization of potentially profitable commercial ideas and hinders self-realization.
Psychologically, people who are at the initial stage of opening their business, ready to risk borrowed funds for a successful start. They have a well-thought-out plan and development strategy.
It remains only to present your ideas to creditors and make them believe in the commercial potential of the future business.
But remember that only about 10% of small businesses pay off or at least do not burn out in the first 1-2 years after opening.
For this reason, banks are not eager to distribute money to everyone. They have no interest in funding projects with an uncertain future. Therefore, they you need a clear business plan, a guarantee or a franchise. And even better - liquid collateral.
Condition 2. Availability of collateral and guarantor
Mortgaged property - reliable money back guarantee. Secured loans are beneficial to both banks and, in part, to the borrowers themselves. The rate on such loans is lower, the terms are higher, and the documentation requirements are more loyal.
Taken as a pledge:
- liquid real estate - apartments, houses, land plots;
- transport;
- equipment;
- securities;
- other liquid assets.
It is even better if, in addition to collateral, you have guarantors - individuals or legal entities. The guarantor has the right to become city or regional Centers of Entrepreneurship, Business incubators and other structures that help novice businessmen.
Condition 3. Net credit history
Banks check the credit history of all borrowers without exception.
- successfully closed loans;
- no penalties for past delays;
- no existing loans.
If you want to fix credit history, it will take time. The most effective way is to take several consecutive loans from MFIs and close them on the company's terms.
Condition 4. Full package of documents
The more documents you provide to the bank, the more chances for a positive response. Make sure all documents are up to date and properly formatted.
A definite plus availability of ready-made licenses and other permits for the type of activity you intend to do.
Let's pause, watch a short video on the topic.
3. How to get a loan to start a small business from scratch - 5 easy steps for a borrower
First, decide on the amount you need. There is no need to take more than is required, but a lack of funds is also undesirable. Ideally you need professional financial analyst to calculate all costs.
Immediately consider whether you can provide the bank with collateral, if required, and find guarantors.
open checking account No business can do without it.
It is most convenient and fastest to open accounts in the following banks:
Step 1. Choose a bank and a loan program
Banks offer dozens of varieties of lending programs for business start-ups. Your goal is to choose the one that best suits your needs.
To begin with, you should take an interest in the offers in the bank whose services you use. Salary customers and those who have a bank deposit or current account banks offer more favorable terms.
It is more reliable to cooperate with well-known financial market players who have many branches in different cities of the Russian Federation.
Other important criteria:
- independent bank rating– in Russia, the most authoritative rating companies are RA Expert and the National Rating Agency;
- work experience- do not trust institutions that opened less than 5 years ago;
- financial indicators– if banks have nothing to hide, they publish financial reports on their website;
- reviews of other businessmen who have already used the services of the company;
- Availability of concessional loans with state support- in case you manage to take advantage of such programs.
And another tip - read the latest news about the bank. Suddenly he changes ownership or transfers its assets to another bank. Extra hassle with the details you do not need.
Several dozens of banks a year lose their licenses in the Russian Federation. Collaborate only with those companies whose position is stable and strong.
Step 2. We prepare documents
I have already spoken about the package of documents above - the more complete it is, the better.
You will need:
- the passport;
- second document - preferably TIN;
- certificate of registration of an individual entrepreneur or LLC;
- fresh extract from the Unified State Register of Legal Entities;
- certificate of registration with the Tax Service;
- licenses and permits (if any);
- documents for collateral (if you apply for a secured loan);
- business plan;
- income statement (if any).
The bank has the right to require other documents - for example, list of purchased property for doing business office lease, etc.
Step 3. Apply
All modern banks accept applications online. Fill out the form, send it and wait for a decision. Specify the most detailed and reliable data The bank will carefully check this information.
Do not try to hide important information for the lender - bankruptcy in the past, existing loans. The Bank's security team works as efficiently as the police when it comes to checking the borrower.
Banks will never take the risk of lending money to those who try to cheat them. On the contrary, they will blacklist such citizens.
A significant part of loans for start-up businessmen is issued on terms initial payment in the amount of 10-30% of the loan amount. It is worth preparing this amount in advance and convincing the bank that you have it.
Step 4. We conclude an agreement
A loan agreement is a serious thing. The financial well-being of your company and your own emotional and psychological well-being for many years to come depend on it. Paying under a contract that you have not read is dangerous and stupid.
I recommend that you familiarize yourself with the draft of this document in advance and read it at home, in a relaxed atmosphere. Better yet, let it be studied by a lawyer who understands the intricacies and pitfalls of business lending.
What to look for:
- final interest rate;
- payment schedule - is it convenient, does it correspond to your capabilities;
- the procedure for calculating fines;
- conditions for early repayment of the loan;
- obligations and rights of the parties.
At the same time study pledge agreement if you take a loan with a guarantee. You need to know your rights as the owner of collateral.
Remember: if some clauses of the agreement do not suit you, you have the right to demand that the bank change the wording or even remove this clause altogether.
There are no standard and formal banking agreements - they are all drawn up taking into account the individual conditions and circumstances of the transaction.
Step 5. We receive funds and open a business
It remains only to receive funds to a current account or in cash and open your business on them. Or the company will transfer money to the account of the seller from whom you purchase equipment or special equipment under the contract factoring or leasing.
4. Where to get a loan to start a small business - an overview of the TOP-5 banks
The expert department of our journal monitored the credit market of the Russian Federation and compiled a list five most reliable banks.
Please note that in some of them it is more convenient to take out a consumer loan without specifying the purposes or to issue a credit card with a revolving limit. This option is suitable if you need a relatively small amount within 300-750 thousand rubles .
1) Sberbank
- the most famous bank of the Russian Federation, the leader of the country's credit market. Uses the services of this organization 70% of the population of Russia. It provides loans to individuals, legal entities.
Beginning entrepreneurs should pay attention to the loan program " Confidence”, which is ready to finance the needs of small and medium-sized businesses.
Business Development Loan Available to companies with annual revenue up to 60 million rubles . The rate under the program is 16.5% per annum. The maximum amount is 3 million rubles.
There are also other programs Loan for replenishment of working capital», « Express bail», « Loan for the purchase of equipment and vehicles», « Leasing», « Business Asset», « Business Invest" and others.
- credit programs for individuals and business start-ups. Tinkoff calls itself the most convenient bank for doing business.
If you require a small amount for the current needs of the enterprise, order a Tinkoff Platinum credit card. Its renewable limit is 300 000 rubles and the base rate is 15%. The interest-free period of use lasts 55 days. The card will be issued and delivered to your office or home free of charge.
- loans to individuals, companies and start-up entrepreneurs. Pay attention to non-targeted loan without collateral for an amount up to 3 million rubles and base interest rate of 14.9% per annum.
There are special programs for existing and newly opened MB enterprises - “ turnover"(replenishment of working capital)," Business Perspective», « Overdraft". Use the offers of VTB Bank depending on your goals.
4) Alfa-Bank
– credit programs for business and ordinary consumer loans in the amount of up to 5 million rubles.
Pay attention to the unique product from Alpha - the Gemini card. This is a debit and credit card in one plastic. Revolving limit - 500 000 rubles. The grace period applies to cash withdrawals. The record grace period is 100 days.
5) Renaissance
– consumer loans for any needs up to 700 000 rub. Special conditions for bank customers and borrowers who have provided additional documents.
If you urgently need a small amount for the current needs of the MB, order a Renaissance credit card with a limit 200 thousand and a grace period of 55 days. Free issue and annual maintenance. The rate is 24.9% per year.
5. How to Increase Your Chances of Getting a Small Business Loan - 4 Helpful Tips
Want to increase the chances of a positive response from the bank - use our advice.
Read, memorize and put into practice!
Tip 1. Seek support from financial funds
If you do not have collateral, additional income and other clear signs of solvency, try using preferential loan programs and with the help of Centers for Entrepreneurship In your city.
Such structures will provide a guarantee to the bank or even take over part of the payments on loans.
A number of Russian banks cooperate with the Centers and are ready to provide loans to entrepreneurs at a lower rate and without any collateral. The costs are reimbursed to banks by the state.
A franchise is an additional guarantee of the success of the MB. Perfect option - buy a franchise in partner companies of the bank. Financial institutions cooperate with large brands that have an effective business model.
Tip 3. Provide collateral and issue a surety
Pledge and guarantee help to achieve the loan goal as quickly as possible. If there is a deposit interest rates are falling, while loan amounts and terms, on the contrary, are growing.
But it is worth soberly assessing your financial capabilities. If you fail to repay the loan, the collateral will be sold at a price of 40-50% of its real value. Yes, and guarantors let you down - your debts will be reflected in their credit history.
Tip 4. Use the services of financial brokers
Financial brokers know much more about business loans than aspiring entrepreneurs. The services of such companies cost money, but if you find a truly professional and experienced broker, your costs will pay off with interest.
6. Conclusion
A small business loan is a chance for entrepreneurs to launch a promising business project without having personal savings. Plenty of successful businessmen started out on debt and now have billions of dollars in profits.
Question for readers
Do you think it is worth pledging personal property as collateral for a business loan?
We wish you generous creditors and successful commercial projects! Write comments on the article, rate, share with friends on social networks. See you soon!
Very often, future individual entrepreneurs who want to open their own business do not have enough money for this. That is why many novice businessmen resort to the services of banks in order to obtain a loan. In Russia, loans are always issued only after a detailed assessment by the bank of the financial situation of a potential borrower.
And it must be admitted that domestic banks are not too willing to issue loans for development to entrepreneurs who cannot confirm their solvency. In this regard, the question arises of how to get a business loan from scratch? We will try to understand all the nuances in our today's publication.
Features of bank lending
Undoubtedly, banks issue loans to small businesses from scratch on favorable terms for themselves. In turn, for a novice entrepreneur, the loan products offered by the bank are far from always profitable and acceptable.
The way out of the situation for a businessman may be participation in the state program of subsidizing and supporting small businesses. Moreover, there are such programs to support entrepreneurs in each of the constituent entities of the Russian Federation. The future businessman has the opportunity to apply to local authorities with a request for support for his project.
Thus, in order to reach a compromise with the bank, it is easier for a novice entrepreneur to get a loan for the purchase of equipment, vehicles or real estate. The conditions for such loans are much better, because in the event of bankruptcy, the bank will have the opportunity to sell the property of the entrepreneur at an auction.
Before going to the bank, an entrepreneur should analyze all the information about the property that he owns, because the more property he can provide to the bank as collateral, the more favorable credit terms the bank will offer. In addition, the loan amount will be much larger.
Note that not only a house, apartment or car, but also plots of land, jewelry, securities or shares in an organization (cooperative) can act as collateral for a loan.
Drawing up a business plan
To get a business loan from scratch, you first need to draw up a business plan, which should contain the following information:
- a detailed description of the actions of the entrepreneur;
- review of the market of competitors;
- review of the product sales market;
- loan repayment schedule.
In addition, attention should be paid to the use of accounting calculations. Their presence in the business plan provided to the bank significantly increases the chances of obtaining a loan.
Main problems
A serious obstacle in obtaining a loan for business development is the lack of collateral. The pledge acts as collateral for the borrowed funds. Bank employees, seeing the reluctance of the borrower to provide a loan to small businesses from scratch, quite justifiably consider such clients to be uncertain about the success of their future enterprise. As a result, the chances of obtaining a bank loan are reduced to a minimum and obtaining a loan becomes almost impossible.
Another problem is that lending to small businesses takes a lot of time. Bank employees carefully study the business plan of a potential borrower. The time for making a decision on a loan is usually delayed. In any case, a well-written business plan increases the chances of an entrepreneur to get a loan to develop a business from scratch.
Sberbank loan products for business
Sberbank offers a range of convenient loan programs for small businesses. This is one of the most popular Russian banks on the business lending market. In turn, it owes its popularity to the convenience of credit programs. Therefore, we consider it necessary to consider loans to small businesses from scratch from this bank in more detail. Here are examples of Sberbank lending programs:
1. Program "Business Trust"
- goal - current business needs;
- loan amount - from 80,000 to 3,000,000 rubles;
- term - from 3 months to 3 years;
- loan rate - 18.9%.
2. Program "Business Turnover"
- purpose - current expenses, participation in tenders or replenishment of turnover funds;
- loan amount - from 150,000 rubles;
- term - from 1 month to 4 years;
- loan rate - 14.8%.
3. Program "Business-Invest"
- the goal is the modernization of production, the repair of fixed assets, the acquisition of fixed assets, the repayment of debts to banks (leasing companies);
- loan amount - 150,000 - 3,000,000 rubles;
- term - from 1 month to 10 years;
- loan rate - 14.82%.
On average, in the territory of the Russian Federation, banks lend to small businesses at 15-20% (per year). In addition, most banks insist on the obligatory insurance of the collateral. The advantage of Sberbank is the provision of loans of 17-18% in a fairly short time.
Conditions and documents for obtaining a loan at Sberbank
Under the terms of Sberbank, the age of the borrower must be 25-60 years. To obtain a loan, you need to collect the main package of documents:
1. Passport of a citizen of the Russian Federation.
2. Questionnaire (information about the entrepreneur).
3. Military ID or registration certificate.
Additional documents that the bank may require:
- a document that confirms the temporary registration of the applicant;
- certificate 2-NDFL (for the last 3 months);
- a document confirming the consent of the franchisor to cooperate with the entrepreneur;
- a document confirming the approval by the franchisor of the list of acquired assets;
- original license;
- original Certificate of registration in the state register (EGRIP);
- certificate of registration with the tax authority.
It should be borne in mind that additional documents may be needed if the entrepreneur plans to work on a franchise model of business organization.
Application review
The Credit Committee of Sberbank considers loan applications. Employees of the credit committee analyze the data provided by the entrepreneur. The credit history of a businessman, the amount of his income, the presence of real estate and movable property and a guarantor, a business plan submitted for consideration are subject to consideration.
The Credit Committee also considers other factors beyond the control of the entrepreneur.
After analyzing the information received, a decision is made to issue a loan or to refuse to issue a loan.
In any case, do not despair if you have not been able to get a business loan from scratch. You can try to take a consumer loan, the bank's requirements for such loans are softer, and the package of documents is not so impressive.
The Business Start loan product allows you to receive funds to open a business under a franchising program or under a standard business plan developed by Sberbank.
The credit institution has concluded agreements with companies that are ready to provide a franchise to a budding entrepreneur. For example, the partners of the program are the network of Italian restaurants Sbarro, Stardogs, Subway fast food restaurants, Expedition stores, Lena Lenina's manicure studio, BegemotiK toy store, Baby Club chain of early development clubs, Baon clothing stores and Newform, Chistoff laundromats, etc.
The scheme for obtaining a loan is as follows. A potential borrower contacts the bank and chooses a franchise. Studying the multimedia course "Fundamentals of Business". Applies to the franchisor for consent to interaction. If the company is ready to cooperate, then the borrower fills out an application for a loan and submits a package of documents to the bank. The term for consideration of the application is three days.
Beginning entrepreneurs ask - in which bank and where to get a loan for a business from scratch, where do they apply for a commercial loan? After all, not every institution will contact a client who does not yet have stable income, only ideas?
Any young entrepreneur can get money to start his business without racking his brains over finding money, you just need to contact a 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 debt repayment, because this can be done at the expense of the profits received.
Income from your own "brainchild", as a rule, is more than the average salary of a Russian. This means that larger amounts can be deposited on account of repayment. So you can close the debt ahead of schedule.
According to experts, the payback of the amount issued for the opening of 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. Recently, lenders have taken into account various risks, tightened their conditions and raised rates.
Types of loan programs and key features
- Commercial mortgage. Here everything is according to the classical scheme. To start, you often need a room (office, warehouse, retail, industrial, etc.). Of course, you can rent the premises, but it is possible to buy it in a mortgage. To obtain it will be necessary to pledge the purchased commercial property.
- Money to replenish working capital. The easiest option is to open a line of credit to replenish the OS. The upside is that there is no collateral required. Money can be used to pay for the supply of goods, payment of salaries and other expenses. There is a limit - a threshold of the amount that a borrower can receive. The limit depends on the monthly or annual turnover of the company. It is possible to extinguish the debt not only according to the annuity scheme. An individual schedule and deferred payments are possible.
- You can get money if you provide a business plan. Some organizations give out money if you prove to them that your undertaking will be profitable. There are difficulties here, since many beginner IPs do not bother to write such a plan at all.
- Car loan. Often a vehicle needs to be purchased. 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 full repayment of the debt.
- 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. Here, too, there is a limit of 30% of the company's monthly turnover. But without security, approval cannot be obtained. The collateral can be real estate (both commercial and residential), a security deposit, vehicles or equipment.
Let's talk about programs.
For registration you need:
- fill out a questionnaire
- have with you a passport of a citizen of the Russian Federation, a registration certificate or a military ID,
- provide financial documents of an entrepreneur or legal entity (TIN).
The company gives preference to those persons who will work under a certain franchise, represented by one of the partners of Sberbank. It is most important to pay attention to a quality project and a franchise.
Borrowers with a positive credit history are more likely to be approved. Read more about the meaning of CI in this article.
The financial situation of the applicant, the availability of collateral, the number of dependents, the presence of a carefully drawn up business plan, the guarantee and the amount of the down payment are also of great importance.
But now in Russia there are a large number of firms, and many of them offer their commercial lending services. We can also advise you to contact the following companies:
- Ural Bank for Development and Reconstruction, where you can draw up an agreement at a rate of 11.5% per annum for a period of up to 3 years. The most profitable program is Overdraft, which is provided in the form of a credit line for an enterprise. Details in this article;
- Alfa-Bank offers favorable conditions for its partner companies, the rate is from 15% per year. You can get a large amount within 6 million rubles without a guarantee, detailed information is presented;
- Also profitable products are offered by banks VTB 24, Avangard and Uralsib Bank, details can be found in this review.
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Consider the process of applying for a loan:
- Contact the office of the financial institution.
- Select a program (for example, Sberbank offers 10 products).
- Register with the tax office as an individual entrepreneur.
- Make a plan. The better it is presented, the greater the chance 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 the company's development, conduct a quantitative and qualitative analysis, calculate production volumes, the ratio of profits and costs, and analyze the market situation.
- Choose a suitable office location, take care of advertising, hire employees, etc.
- Collect all the necessary papers and apply to the bank. To find out what documents you will need to prepare, check out this article.
- Prepare money for the first installment.
- Wait for a positive response, open your own business and develop it. Client analysis is carried out by credit specialists or through the system
To start any business project, you need start-up capital. It takes time to accumulate it on your own. And this will take not 2-3 months, but at least 5-6 years. If you do not intend to wait, you will have to seek help from private investors or try to get a loan from a bank. Fortunately, it's not as difficult as it seems. Many financial institutions are ready to issue loans to small businesses from scratch today. All thanks to targeted state support and the federal program for the development of small and medium-sized businesses (SMEs).
Borrowed funds can be an excellent launching pad for a young entrepreneur. But business lending has its own nuances that must be taken into account. First, the loan is usually issued for specific purposes. This can be business development, starting a new business, purchasing equipment, paying off tax payments, replenishing working capital, etc. You will not be able to use money in any other way. Otherwise, a conflict with bank representatives and supervisory authorities cannot be avoided.
Secondly, to get a loan to start a small business from scratch, you need to provide a business plan. As well as an official certificate confirming your status as an individual entrepreneur, and the right to establish documents for your commercial real estate and commercial equipment (if any). In addition, a third party guarantee or other guarantees of your solvency (collateral, mediation of the SME Corporation, etc.) may be required for obtaining a large loan.
Requirements for the borrower
To take a loan under a business plan, you need to meet the requirements established by the management of a banking organization. Each bank has its own internal standards, which are known only to employees of the company. But, nevertheless, there are general criteria that are more or less the same for all financial institutions in the territory of the Russian Federation. These include:
- citizenship of the Russian Federation;
- age - from 23 to 65 years;
- business term - from 12 months.
Moreover, the last point does not mean that you will not be given a loan for developing a small business from scratch. It is quite realistic to get it, just for this you will need to use one of the state support programs.
Governmental support
The Government of the Russian Federation has long recognized the importance of small and medium-sized businesses. To stimulate the entrepreneurial activity of the population, various financial and information support tools are being developed. Moreover, not only the federal authorities, but also the regional administration take part in their preparation.
Stimulating lending to SMEs
The small business lending incentive program is one of the largest projects of the SME Corporation. Together with the Ministry of Economic Development and the Central Bank of the Russian Federation, the organization has developed a fundamentally new instrument for financing young businessmen. The corporation managed to fix the interest rate on loans from 5 million to 1 billion rubles. at the level of 10.6% (9.6% - for medium-sized enterprises). You can get a loan for small businesses from scratch on these terms in 45 Russian commercial banks, including Sberbank, Vozrozhdenie, Alfa-Bank, Raiffeisenbank, etc.
Among financed industries:
- Agriculture;
- production and supply of electricity, gas and water supply;
- food production;
- construction;
- connection;
- freight and passenger transportation.
A loan for the development of small businesses from scratch from the state is issued as part of concessional lending. JSC "Federal Corporation of SMEs" acts as a guarantor.
Gratuitous loan
Money for business development can also be obtained free of charge. If an entrepreneur complies with the requirements of Russian legislation and has no outstanding tax debts, he is entitled to targeted subsidies. And both federal and regional.
To apply for a subsidy, you must first choose a direction. This can be done, for example, on the website of the Innovation Promotion Fund. To start a business from scratch, the organization issues gratuitous loans up to 15 million rubles. Separately, you can get up to 300 thousand rubles. from the regional Ministry of Economic Development within the framework of the regional competition.
Nonprofit foundations
It is possible to take a loan for a small business, from scratch, without collateral and guarantors, not only from the state, but also from non-governmental organizations. For example, the International Business Leaders Forum (IBLF). Under the program "Youth Business of Russia", which is supervised by the Youth Business International (YBI) foundation, you can get a loan of up to 300 thousand rubles for a period of 1 to 3 years. Interest rate - 12%, debt deferral for 6 months is possible.
All you need to apply for a loan is a ready-made business plan. The action is designed to support young businessmen, so the age of a potential borrower should not be more than 35 years old.
TOP 5 business loans
The majority of loan offers not included in the program prepared by the SME Committee are issued to entrepreneurs whose business has existed for at least 1 year. Discussion of individual conditions is possible if there is a security or guarantee from persons who enjoy the confidence of the management of a banking organization.
5th PLACE: loans from Alfa-Bank JSC
Alfa-Bank is one of the most client-oriented Russian banks. He actively cooperates with the SME Corporation and provides loans for small businesses from scratch on favorable terms. It also develops its own financial instruments for young entrepreneurs:
- "Partner". Business development loan at 16.5% - 17.5% per annum. You can take from 300 thousand to 6 million rubles, no deposit is required. A prerequisite is the presence of a current account with Alfa-Bank JSC. Repayment period - from 13 months to 3 years;
- "Overdraft". Money for current needs, a kind of "spare account" of the company. Issued for 12 months. The loan amount varies from 500 thousand to 6 million rubles. Interest rate from 13.5% to 18%. A pledge is not required, but the presence of a guarantee of an individual is required. A one-time fee of 1% is charged for opening an overdraft limit.
If you just started a business from scratch, then the probability of approval is very small.
4th PLACE: business loans from Rosselkhozbank JSC
Rosselkhozbank specializes in financing enterprises, one way or another connected with agriculture and the food industry. Therefore, the company has many targeted lending programs. Small business entrepreneurs may be interested in the following loans:
- "Optimal". Non-purpose loan from 100 thousand to 7 million rubles. The repayment period is 5 years. It is issued on the security of real estate, commercial equipment, transport or special equipment. Debt repayment deferrals are not granted;
- "Fast decision". A loan in the amount of 100 thousand to 1 million rubles. The loan term is short, only 12 months. It can be used to pay rent payments or update the material and technical base of the enterprise. Security is not required.
Rosselkhozbank's interest rates depend on the size of the loan and its maturity. And they are calculated by credit managers on an individual basis.
3rd PLACE: target loan from PJSC Russian Capital
Russian Capital has a large number of corporate lending programs. But for small businesses, the target package "Business Development" is of the greatest interest.
Under this program, entrepreneurs can borrow from 1 to 150 million rubles. at 11% per annum. The loan repayment period is up to 10 years. The money can be used to purchase equipment, upgrade real estate, or replenish working capital. Funds are issued both in the format of a one-time loan and in the form of a non-revolving line of credit with a maximum disbursement limit.
To obtain a loan, you must provide collateral and enlist the support of guarantors. The minimum life of the business is 9 months. Borrowers can be individual entrepreneurs and legal entities that are tax residents of the Russian Federation.
2nd PLACE: non-targeted business loans of Sberbank PJSC
Sberbank has been successfully lending to small businesses for a long time. You can get a loan for the development of an enterprise here according to one of three special programs:
- "Confidence" Basic loan for up to 3 years at 16.5% - 18.5% per annum. The client can count on an amount of up to 3 million rubles, no guarantee or collateral is required;
- "Express Overdraft" This loan also does not require collateral. The loan term has been reduced to 12 months, the interest rate is 15.5%, and the maximum amount is 2 million rubles.
- "Business Turnover" and "Business Invest" These two arrangements are very similar, the rate is from 11.8%, the maximum loan amount is not limited, it is determined only by the solvency of the borrower and the value of the collateral. These offers are targeted loans, this is the main difference.
Loan term Business Turnover - up to 3 years, Business Invest - up to 10 years
The decision on the application is made within 3 working days, online registration is possible.
1st PLACE: loans for business development of PJSC Bank VTB 24
A distinctive feature of VTB 24 programs is a clear specialization. The bank has both investment proposals and targeted loans for the development of small businesses from scratch, the purchase of special equipment and other needs. The most popular loans are:
- "Target". Issued in the amount of 850 thousand rubles. for the purchase of equipment and special vehicles from the bank's partners. The repayment period is up to 5 years. It is possible to defer payments on the principal debt for 6 months. Base rate - 10.9%;
- "Investment". Can be used to implement various business processes. Amount - from 850 thousand rubles, term - up to 10 years. The rate, as in the previous case, is 10.9%. It is necessary to provide financial support;
- "Kommersant". Express loan for business development at 13% in the amount of 500 thousand to 5 million rubles. You can split monthly payments for up to 5 years. The loan is not targeted and is provided under a minimum package of documents (business plan, IP certificate, etc.).
You can apply for a loan from VTB 24 both at the bank's office and through the form on the official website.
A complete list of small business lending products www.vtb24.ru/company/credit/
conclusions
Small business loan from scratch issued by both government funds and commercial companies. Financial support can also be obtained from non-governmental organizations created on the initiative of the entrepreneurs themselves. The main thing is to prepare a convincing business plan and find guarantors who will be ready to take over your financial obligations in the event of a crisis.