Bank loan for small business development. How can an individual entrepreneur get a loan to start a business from scratch? Concessional lending to small businesses

Content

To organize your own business or expand an existing one you need financial investments. What to do if own funds lacks? For most entrepreneurs, the answer is obvious - go to the bank and get a loan for business development under certain conditions. Is it really that easy for a borrower to get a loan? real alternative bank loans and what conditions must be met in order for the money to be received - more on this below.

Small business lending

Representatives of small businesses include small enterprises without the formation of a legal entity, total income which, together with assets for the past year, does not exceed 400 million rubles, and the number of workers does not exceed 100 people. Individual entrepreneurs are another layer representing small businesses. They don’t always have enough to start their own business or develop it sustainably working capital, so we have to find sources of funding.

If a dozen years ago the unstable situation in the economy made it possible to obtain much-needed cash only a few, since investors were in no hurry to invest in small projects. Today, the picture has changed, and small businesses can count not only on private investors and foreign funds, but also confidently turn to domestic banks and even the state.

Bank loans to small businesses

It cannot be stated categorically that anyone can come to a banking institution and take out a loan for business development. The first thing you need to do before applying for a loan is to draw up a competent business plan, based on the calculations of which bankers will make a decision on issuing funds. Moreover, the answer will not always be positive; you may receive a refusal or the amount issued will be less than stated.

The lender will not take risks by investing money in a deliberately losing idea, since the main thing for him is the return of the invested funds, and even in an increased form. For the same reason, banks rarely offer investment loans, the essence of which is to invest money in business development. It's easier for them to borrow funds and get a margin on it.

State small business lending program

If things don’t work out with a financial institution, you have the opportunity to turn to the state and ask for money for your own business. True, you will have to come to terms with the fact that the amount issued will be small - depending on the region, it can range from 50 thousand to 1 million rubles. The rate on such microfinance loans is 10–12%, although they are issued for a shorter period, which, as a rule, does not exceed one year. The entrepreneur will have to provide a guarantee or pledge of property, the sale of which will help cover the debt.

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

According to available statistics, about 80% of small businesses cease to exist in the first year of their operation. It cannot be said that they are all going bankrupt, because some of them are part of larger industries, joint stock companies, and some themselves move into the category of medium and then large business. In addition, many individual entrepreneurs use the so-called “gray scheme” for generating income, so banking institutions cannot see real income enterprises, which could significantly increase the chances of receiving a loan.

It is not difficult to get a loan to develop your own business from a bank, however, for a positive answer, you will need to fulfill a number of conditions, since it is very important for a financial institution to obtain a guarantee of repayment of the borrowed funds. Don’t forget about the opportunity to start your own business through a franchising scheme. In this case, it will be easier to get a loan to purchase a franchise.

Requirements for the borrower

The borrower must meet a number of requirements. Since the business is only planned to be developed, it will not be possible to provide any evidence of its competitiveness and profitability. For this reason, the bank will check the future small business entity as an individual in order to understand how responsibly the person treats their obligations. Bankers will check the borrower’s credit history and send requests to the Insurance Fund and the Pension Fund. If a person was previously an employee, they can make a request to the company where he worked.

Business requirements

Banks do not impose any requirements for the new project as such. They are directly interested in the business plan, so its development must be taken extremely seriously. If you don’t have the skills, it is recommended to hire specially trained people or a company that will draw up a document, taking into account all the client’s wishes. An entrepreneur can find and buy without any problems ready-made option plan, which spells out all the features of doing business in a particular region. If you plan to carry out licensed activities, for example, selling alcohol, you must present a license.

How to get a business development loan for an individual entrepreneur

For businessmen who want to get money to expand their own business, it is somewhat easier. This is due to the fact that they can document the presence of profit and even provide collateral in the form of their own property. For a bank this is one of the main components, and for a businessman it will bring additional bonuses in favor of a positive outcome of the situation. However, this result is only possible if the client is trustworthy and complies with all the conditions for conducting the business:

pays wages;
provides contributions to the Federal Tax Service (use the service for generating reports to the Federal Tax Service online);
pays all taxes and fees on time; has a profit, etc.

Check out the service for.

For what purposes can you take out a loan for small business development?

As already reported above, the bank is not so important what the borrower is going to do. What is more important to him is whether he will make a profit to cover the debt. If the business is firmly on its feet and the entrepreneur has plans to expand it, you can apply for finance to purchase equipment, Vehicle, equipment and even real estate (factoring, leasing, commercial mortgage, etc.). If you need to increase the amount of working capital, then you can also safely apply for a working loan for the development of a small business or take out an overdraft.

Unsecured

In the practice of Russian banks, there are loans that give an entrepreneur the opportunity to receive funds without providing collateral. However, it is worth saying that loans of this kind are issued extremely rarely, since a banking institution requires a certain guarantee. For this reason, to minimize your own risks, the interest rate on unsecured loans for business development is higher than standard offers.

Secured

Providing collateral increases the entrepreneur's chances of receiving a loan. The collateral may be movable and real estate, guarantee of individuals or legal entities, availability of a deposit in this bank, etc. In this case, bankers are more willing to make a deal with an entrepreneur, since the sale of collateral in case of non-repayment of the debt will be able to cover the resulting debt.

Which banks give loans to small businesses?

A loan for business development can be obtained from many banks in Russia. Proposals are made as major players banking market(Unicreditbank, Raiffeisenbank, etc.), as well as its smaller representatives (OTP-Bank, Rosenergobank, etc.). The table shows the five largest players:

	Banking product	Amount, rubles	Duration, months	Interest rate
Sberbank		100000–3000000
	Express overdraft


Rosselkhozbank	Secured by the purchase of commercial real estate			individually
	Secured by purchased machinery and/or equipment	up to 85% of the cost of purchased machinery/equipment		individually
	State support for small and medium-sized businesses	5000000–1000000000
	Kommersant	500000–5000000
	Revolving loan
	Investment loan
Alfa Bank	For any business purpose without collateral
	Overdraft
	Cars and special equipment for leasing			individual
Credit Bank of Moscow	For small and medium-sized businesses with bail			individual
Credit Bank of Moscow	For small and medium-sized under guarantee			individual

How to get a loan for a small business from a bank

Before going to the bank with a request for a loan for the development of a small business, you should carefully study all available offers and get advice from colleagues who have already taken out a loan for business development. In some cases, when it is not possible to provide collateral or guarantee, it may be more profitable to take a consumer loan in cash and use this money for your own business, because the interest rates on such loans can be much lower.

What documents are required for registration?

If a bank is selected, you need to collect a certain package of documents. Depending on the institution and the purpose of the business development loan, it can vary significantly. Bankers will definitely require a citizen’s passport and papers confirming the registration of the case. You will have to fill out an application form with all the necessary information. In addition, you will have to attach a business plan, tax return, indicate your current account, if you have one. It is possible that other documentation will have to be submitted at the review stage.

State lending to small businesses

IN Lately The state is showing interest in small business representatives. Both in the capital and in the regions, you can become a participant in special programs through which you can receive start-up capital to develop your own business. For 2019, a program was adopted to expand state participation in promoting the development of entrepreneurship, reducing interest on loans depending on the level of inflation and the refinancing rate ( key rate) Central Bank.

Microloans

In the West, the process of microcrediting small businesses has been universally introduced by the state through financial structures. In Russia, this practice is very poorly developed, or rather, it is in its infancy. The advantage of microcredit compared to bank loan is a reduced interest rate and small requirements for the borrower. Funds are issued up to 3 million for a period of one to 5 years.

The state program applies to small businesses that were unable to borrow money. A distinctive feature of the loan is that the money is issued strictly for a specific project, which is closely monitored by the state. It will not be possible to take out a loan for the development of a small business and spend it in another direction - an inspection by the competent authorities can take place at any time.

Guarantee for a loan from an accredited bank

If a small business representative is unable to secure collateral, he can use unique opportunity state aid and issue a state guarantee from the Entrepreneurship Support Fund. Its essence is that the bank issues a loan to an entrepreneur for business development under guarantees provided by the state. This service is not free, so the borrower will have to pay a certain percentage of the loaned amount.

This opportunity can only be taken advantage of by those entrepreneurs who are confident on their feet and have profit from running their own business. State guarantee is a popular and accessible service, therefore, it is chosen even by those entrepreneurs who have something to offer as collateral, since the service is profitable in financially, because the borrower does not need to arrange collateral and insurance of the pledged property at his own expense.

Receiving a subsidy for business development

Entrepreneurs belonging to the category of business people whose businesses are successful and generate income have the right to know that they can count on receiving free assistance from the state for the development of their business. They are issuing subsidies regional funds entrepreneurship, therefore the specific volume of injections is determined in each region separately depending on the available budget. The maximum amount is limited to 10 million rubles. It can be spent at the discretion of the business owner: renting production premises, creating new jobs, etc.

Concessional lending to small businesses

Beginning entrepreneurs who have no debt to the state, are not on the verge of bankruptcy, make payments on time under existing contracts and repay interest according to the schedule, have the right to count on a lower annual interest rate or an extended period of using the loan under the preferential lending program. Obtaining a loan for business development is carried out through SMEs in branches of partner banks, among which are:

Revival;
GenBank;
Interkommertsbank;
Loko-Bank;
Promsvyazbank;
Universal Credit;
Uralsib.

For successful accounting of individual entrepreneurs, use.

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Creating a business from scratch in Moscow has become an affordable reality, thanks to advantageous offers from financial institutions. The “Creditznatok” service describes the best Moscow microfinance organizations and Russian banks that provide loans to small entrepreneurs. Using their services is a confident start to bringing your business ideas to life.

Majority financial companies provide financial support to clients, offering to take out a loan to open a small business on favorable terms. By turning to microfinance organizations for financial assistance, you can be sure that your startup and further development their own business will have a stable financial basis.

Starting a medium-sized business: what is needed?

Starting your own business depends on the chosen type individual activities. Creating any startup from scratch requires drawing up a detailed business plan, including calculation of capital investment. You can choose anything as a type of activity: beauty salon services, trading through an online store, passenger and cargo transportation, etc. In any case, it will be difficult to launch a startup without funds. The question is, where can a novice entrepreneur get money to create and implement his project? Our answer is to take a loan through the online service “Creditznatok”.

Advantages of cooperation with microfinance organizations that issue loans for the development of small and medium-sized businesses:

minimum package documents;
speed of service;
service mobility (online consultations);
a wide range of amounts required to develop a business from scratch;
the ability to choose the duration of the contract;
loyal money back conditions.

How to choose a loan to start your own business?

Conditions for obtaining a loan may vary. They depend on the personal wishes of the beginning private entrepreneur, the calculations of the estimates in the business plan, and the profitability of the business at its initial stage. All financial organizations provide funds for starting a business from scratch only in national currency.

When selecting financial firm It is important to consider whether the organization you choose has a service for extending the term of the loan agreement for starting your business. No less important nuance Choosing a suitable company that is ready to “sponsor” your own business is the time of consideration of the application. Average term Making a decision on your request for a loan to start your business takes 1-3 business days.

Leading microfinance organizations of the Russian Federation offer loans on loyal terms:

amount of the amount that can be received “in hand”: 50 thousand - 24 million rubles;
loan repayment terms: 6-120 months;
interest rate: 10%-45%;
documents required to be presented: constituent, personal.

Do you want to get a loan to create a profitable business? We recommend that you carefully read detailed descriptions companies presented on the page. To start your own business from scratch as early as possible, leave a request on the website right now. A loan for aspiring entrepreneurs issued through our service is a unique way to realize your dream.

Those who want to open their own business should understand this simple thing: if it doesn’t work out the first time, this does not mean that you should give up everything.
The problem of start-up capital often slows down starting your own business.

Dear readers! The article talks about typical solutions legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and FOR FREE!

Start-up: debt cannot be avoided (in what cases is a loan needed to start a business)

Most people who are at the initial stage of opening their own business are psychologically ready for this, have a well-thought-out idea, and have collected all the necessary information.

However, faced with the need for financing, the question arises: where to get the money? There is a way out - go to the bank for a loan or find other sources.

Non-bank financing comes in a wide variety of forms. Let's look at some options in more detail.

Private moneylender

If you don’t have a project that will pay off in a few months or you don’t have friends who can “protect” you in case of aggravation of relations with the moneylender, it is better not to contact him.

Such loans cost from 3 to 10% per month (36-120% per annum). Typically, these loans are issued on the security of a car or real estate, but unlike bank loans, a collateral agreement is not drawn up.

Relatives and friends

The terms of the debt should be negotiated immediately, and on your part you should unquestioningly adhere to the agreements. After all, 99.9% of such relationships turn into hostility due to reluctance to return the money.

Sale of shares

If you decide to let an investor into your business, then he should be familiar to you.

It is not worth offering him a share that is larger than yours, and all agreements must be immediately legally formalized, clearly stipulating the process of dividing possible profits.

Ideally, the investor will not be directly involved in the management of your business.

Sale of own assets

All assets that are not income generators are liabilities. They don’t help you make money, but it’s almost impossible to live without them.

The main secret to successfully starting a business is saving on liabilities (cheap telephone, travel to public transport, inexpensive clothes).

But business is growing 200 % per year, and in a couple of years you will be able to buy an expensive liability - a car, a house. And the approach to getting rid of liabilities in favor of assets must be balanced.

Bank loan

One of the most common ways to start, but also one of the most expensive. Banks are willing to provide loans to “promoted” entrepreneurs, but there are many obstacles for newcomers. Let's look at this method in more detail.

How to get a loan to open a small business from a bank?

If you need a relatively small loan to open a small business, but you need money quickly, it makes sense to get a loan in the name of an individual.

In this situation, the bank will require an explanation of how you are going to provide it in the event of your possible insolvency.

Depending on the size of the loan, such security will be a guarantee from third parties or material security (real estate or liquid property - products made of precious metals, antiques).

Requirements for the borrower

What your organization needs at the time of applying for a loan:

Exist for some time (the best option is a year).
Have non-zero tax accounting reports for this period.
No debts on these reports.
Complete legitimacy and transparency of operations.
Business plan.

If you start a business from scratch

Previously, the practice of lending to startups was not advertised; only selected banking institutions lent to them, and then only with an impeccable business plan.

A loan for opening a new business was included in the high-risk category for the bank. A budding entrepreneur does not yet have permanent income and it is difficult for a bank to compile business analytics to assess its solvency. You do not have guarantors or collateral.

Thus, loan rates for a start-up business were much higher than for an existing one. Today things are different; banks even offer special programs for newbies".

Collection of documents

Documents required to be submitted to the bank:

certificate of positive credit history of the borrower;
proof of project implementation entrepreneurial activity(business plan, license);
documents for collateral;
passport, TIN.

No guarantors

There are banks that provide express loans to individuals without collateral or collateral, but at a fairly high interest rate.

Credit agencies provide loans even without registration, work book and 2nd personal income tax certificate.

But their operating principle is not entirely decent: they often falsify the documentation necessary to obtain a loan, which can cause problems for you. In addition, the credit agency will charge a huge percentage for the very fact of receiving a loan.

Price issue

Banks offer many loans. The largest of them can offer the following conditions:

Rosbank. Provides a loan for the purchase of real estate, equipment or transport, as well as replenishment of working capital or renovation of premises until 40 million rubles. for a period up to 5 years(commission from 0.3% to 1.5% plus deposit). Credit rate from 12% to 16.5%.
Bank "Petrocommerce". Offers up to 50 million rubles. for a period up to 10 years. Loan rate - 12,5% , plus a guarantee from the Fund for Assistance in Lending to Small Businesses.
"Forabank". You can apply here if you have your own property and have guarantors, to receive a loan at a rate of 14% per annum for 10 years and within 600 million rubles.
Sberbank. They have a Business Start program. Its peculiarity is the proposal to open a franchise business. The bank issues the amount up to 3 million rubles. at a rate of 1 7,5 – 18,5% . on 3.5 years.

Watch a video about the features of a loan for starting a small business

Tips from experienced borrowers

To reduce interest rate apply for a loan for a legal entity. For the bank, it does not matter to whom to issue a loan: an entrepreneur, an individual or an LLC. Therefore, there is no need to focus on slogans like “special loans for individual entrepreneurs».

Banks include individual entrepreneurs and LLCs registered less than 6 months ago into the “unreliable borrower” category. Registration at a drug dispensary, overdue loans in other banks, and a criminal record also have an impact.

A refusal can be obtained due to debts to pay taxes, debts of fees to various budget funds. Unpaid settlement documentation and non-payment will not speak well of you. wages employees of the company.

How to get a government loan?

Only state banks have the right to engage in such lending. Their distinctive feature is reliability.

IN state bank The interest rate tends to remain the same throughout the loan term.

Receipt state loan perhaps very favorable conditions, if you can count on benefits. For example, for young families interest rates are lower and loan terms are longer.

If such a loan is not repaid on time, only legal methods are used to repay it. No one will extract money by force; the maximum threat is legal proceedings.

Support bodies

State and municipal funds today operate in many Russian regions.

They conduct examinations of entrepreneurs’ projects, provide them with financial support, and also finance regional support programs.

Surety funds and guarantee funds provide lending assistance by providing loan guarantees and guarantees.

Conditions

The leading position among banks willing to provide loans for small businesses belongs to Sberbank of Russia. To obtain such a loan, in accordance with the state loan program for small businesses, a minimum package of documents is expected from the entrepreneur, and funds are provided in cash.

Within state program The provision of loans for small businesses requires the fulfillment of a number of certain requirements:

the period allotted for consideration of the loan application from the date of submission of the borrowers’ documents should not be more 8 days;
the size of the provided credit resource is not limited;
loan terms cannot exceed 3 years;
for the entire loan amount in mandatory it is necessary to provide surety or guarantees from third parties;
collateral must be provided.

Documentation

Each banking institution sets its own requirements and requests for obtaining a loan.

An approximate list of documentation that an individual entrepreneur needs to collect:

A copy of your passport with registration at the location where the loan was issued.
A copy of the state registration certificate.
Copies of permits for the right to engage in certain types of activities.
Documentation confirming your implementation of business activities (business agreements, etc.).
Lease agreement for premises based on the location of your business.
Certificates from the Pension Fund and the Compulsory Compulsory Medical Insurance Fund.
Certificate of tax registration.
List of property offered as collateral.
Documentation confirming ownership of the property being pledged.
Certificate of absence of encumbrance on the collateral property.
Certificate of inventory balances in the warehouse.
Marriage (divorce) certificate of the entrepreneur and consent of the other half to pledge the property.

Is this real?

A government loan can be obtained, but, like any other type of lending, it has a number of disadvantages. The most significant of them is the difficulty in obtaining it. The procedure for reviewing a submitted application can take quite a long period of time, and it is not a fact that one can be guaranteed to count on a positive outcome.

The requirements for small businesses are too high; it is necessary to collect a large number of documents. The amount of support, in turn, is limited by the indicators of “increase in tax payments.”

No business can predict what a given year will be like for it.

Among other things, the matter is getting worse " punitive measures» for an unfulfilled business development plan, for failure to submit timely reports to government support authorities.

Perspective of a small business started with a loan

Today, some sectors of small business are underdeveloped. The reasons for this lie in the needs of such a business, because development requires long-term and relatively inexpensive loans, since most entrepreneurs urgently need to replace technologies or introduce modern equipment.

To open your own business, very often, additional funds are required. For help, you can contact financial organizations that provide loans for starting a business from scratch.

Experts note that such a loan pays off within one year. Therefore, many banks cooperate with budding businessmen. After economic crisis The conditions for providing large loans have been tightened, but with a competent approach, you can increase the chances of approval of the application.

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

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

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

Before contacting a bank, you need to develop a business plan, which should include items with the following information:

The required amount of funds to be raised.
Purpose of using money.
Estimated profit from business activities.
What amount can be withdrawn from circulation in order to make mandatory payments on loan.
Alternative business development solutions.

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

Banking organizations offer businessmen the following products:

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

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

The best credit offers for businessmen in 2017

Sberbank of Russia

Sberbank of Russia offers a profitable loan for a starting individual entrepreneur. The product “Trust” allows you to realize your idea. Business loan terms:

The loan is provided for any purpose, without providing liquid collateral.
With collateral, the loan is issued at a reduced interest rate.
The base rate is only 16.5%.
The lending limit is 3,000,000 rubles.
The maximum loan period is 3 years.

Bank of Moscow

The financial organization has developed a universal loan for opening and developing business activities.

The loan size is 150,000 – 150,000,000 rubles.
Loan period 1-60 months.
The interest rate is determined on an individual basis.
Collateral is required.
The decision on the application is made no more than 5 days.

OTP bank

The main advantage of OTP Bank is that you can fill out an application on the website and find out about the decision within a few minutes.

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

Renaissance Credit

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

The loan size is 30,000 – 500,000 rubles.
The interest rate is determined individually and can be 15.9-29.1%.
Loan period: 24-60 months.
No collateral required.
To apply, it is enough to present a valid Russian passport and an additional document.

Sovcombank

Lending terms:

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

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

Loan conditions for individual entrepreneurs at Sberbank. Calculator for 2017

Sberbank of Russia offers various products for individual entrepreneurs. One of such programs is “Business Project”, which allows you not only to open new business, but also to modernize and expand it.

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

Significant amounts of lending.
A long period.
If necessary, you can get a deferment.
Consultation with specialists.

Conditions for providing a loan for individual entrepreneurs:

The loan period is 3-120 months.
Minimum bid the percentage is 11.8%.
The loan is provided only in Russian rubles.
Minimum Availability own money: 10%.
Payment of the principal debt can be deferred for one year.
Loan size: 2,500,000 – 200,000,000 rubles.
Security in the form of liquid collateral or surety is required.
There are no additional fees.
When providing collateral, the property must be insured.

To receive a loan to start a business, you need to fill out on the Sberbank website electronic form applications. To eliminate the risk of refusal, all information must be reliable.

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

It is important to note that the calculator allows you to find out approximate numbers. More accurate information should be clarified with the bank manager.

Loan without collateral or guarantors from Sberbank. Is it possible to register and how to do it?

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

To receive a loan, go to the “Small Business” section on the financial institution’s website, then select “Loans and guarantees”, where you click on the “Business Trust” tariff.

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

For getting long term loan, you need to complete several steps:

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

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

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

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

Lending terms:

The loan is non-targeted.
The maximum loan size can be 1,500,000 rubles.
Loan period 3-60 months.
There are no hidden fees.
No collateral required.
The interest rate is determined individually and can be 14.9-22.9%.

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

Loan for individual entrepreneurs with zero reporting

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

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

Primary requirements:

If the entrepreneur zero declaration, then the main condition for lending is the implementation of activities for more than 1 year, after completing the registration procedure. If the borrower can document his or her income, collateral may not be required.
Submission of documents: certificate of financial status, registration certificate, zero reporting and others.

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

In this article we have collected 16 banks with favorable loans for business development. The table contains interest rates and maximum amounts. We have also prepared a list of documents for individual entrepreneurs and LLCs that banks require to issue a loan.

Which bank to get a loan for business development

An important step towards obtaining favorable loan for small businesses - choosing a bank with optimal conditions. For comparison, you should study several proposals, especially since today there are so many options that it’s easy to get confused.

16 top banks and short description You will find their rates in our table:

Bank	% bid	Amount of credit
Sberbank	from 11.8%	up to 3 million rubles
Alfa Bank	from 12.5%	up to 6 million rubles
VTB 24	from 10.9%	from 850,000 rub.
Rosselkhozbank	10,6%	up to 1 billion rubles
Moscow Industrial Bank	from 11%	up to 130 million rubles
Tinkoff business	from 12%	up to 300,000 rub.
Raiffeisen Bank	12%	up to 135 million rubles
Uralsib	from 13.1%	up to 170 million rubles
Ural Bank for Reconstruction and Development	from 13.5%	up to 30 million rubles
Opening	from 10%	up to 1 million rubles
Promsvyazbank	from 12%	up to 150 million rubles
Sovcombank	from 12%	up to 30 million rubles
Binbank	15,25%	up to 150 million rubles
SKB bank	from 14.5%	from 70 million rubles
UniCredit Bank	14,25%	up to 73 million rubles
OTP bank	from 14.9%	up to 200,000 rub.

In addition to the interest rate, the conditions for obtaining a loan and the requirements of the bank are extremely important for the borrower: collateral, guarantee, business plan, and so on.

Types of loans

Each lending system has its own goals, objectives and features. The main ones:

Universal lending. The most popular type of lending among entrepreneurs. Borrowed funds a businessman can spend it for any need: to expand his business, to pay off payments to partners, or to increase production turnover.
Leasing. Gradual, monthly payments, purchase of property into the ownership of the organization. Typically, businessmen lease real estate, vehicles or equipment from the bank, and after a certain number of monthly payments, the leased property becomes their property.
Investment loan. Funds are issued by the bank for the development and profit growth of the enterprise. It is quite difficult to get such a loan from a bank. First of all, the entrepreneur has to prove to the bank through a detailed business plan that the investment will increase income by 20 times or more.
Commercial mortgage. Its main difference from a loan to an individual is that funds are issued for non-residential, commercial real estate, which after purchase becomes collateral. If a businessman stops paying his mortgage, the property is put up for auction.
Overdraft. Additional funds for a short period of time. An overdraft is provided by the bank servicing the company's current account. Namely: if there are not enough funds in the account to pay, the bank credits the missing amount to it. Further receipts to the current account will be automatically debited to pay the overdraft.
Commodity lending. In this case, the borrower is provided not with funds, but with the necessary equipment.
Factoring. Or assignment of debt. For example, an entrepreneur takes out a machine in installments to increase production volumes, and then turns to the bank so that the financial institution pays off the debt to the seller.
Venture lending. For a long time, under high interest interested investors provide the necessary funds for the development of small businesses. Such investments are available only to innovative projects, which are usually related to science, medicine, and new technologies.
Working loans, loans for current activities. Money is issued for the purchase of non-expendable property.
Refinancing. Used if it is necessary to repay other loans or optimize their conditions. For example, equipment can be purchased in installments at 20%, or you can take out a loan at 10% for its purchase. It is obvious which solution is more profitable.

To determine which type of financing is suitable for each specific situation, you need to take into account the purpose of the loan, the amount, the possibility of collateral and other guarantees.

Important things to know before applying to a bank for a loan

Some tips for entrepreneurs who are thinking about applying for a business loan:

Loans for small businesses are always issued at high interest rates, so it is better to apply for them only in extreme cases. Large amounts require collateral, which means that the entrepreneur risks not only the future of the company, but also his own property.
Loans for starting a business are more difficult to obtain than loans for its development. It is easier for a bank to check an existing business financial condition and reliability, while to lend to an enterprise from scratch, a financial institution will have to rely only on a business plan, collateral and guarantors.
A guarantor will never be superfluous, even if the bank does not require his presence. The guarantor must have an ideal credit history. Finding a guarantor is not always easy, because his reputation can also be damaged by an unscrupulous borrower.
Before going to the bank, you should take care of your business plan. By issuing loans for small businesses, the bank also exposes itself to certain risks, so before agreeing to a loan, it must make sure that the enterprise is profitable.
Important right choice jar. You should start studying offers from the bank where the current account is opened. To our existing clients financial institutions They are more loyal and can offer favorable conditions.
Entrepreneurs working in the field of ecology, science and innovation have a chance to receive a government subsidy for business development or a loan for preferential terms- if there is such a chance, it is better not to miss it.

Required documents

Each bank has its own.Mainly:

application form for a loan indicating the amount and needs for which it will be spent;
citizen's passport;
documents about state registration Individual entrepreneur or LLC;
certificate of registration with the tax authorities;
balance sheet and statements of income and expenses of the company;
licenses and permits to conduct certain activities;
extract from the company's current account;
documents for collateral property.

For individual entrepreneurs you may also need:

extract from the Unified State Register of Individual Entrepreneurs;
military ID;
certificate of income (if there is parallel income).

For LLC:

extract from the Unified State Register of Legal Entities;
current version of the charter;
minutes of the first meeting of founders;
appointment orders general director and chief accountant;
extract from the list of company participants.