Loan without a bank for business. Business loan. For what purposes can you take out a loan for small business development?

To start any business project, start-up capital is required. 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 turn to private investors for help or try to get a loan from a bank. Fortunately, this is not as difficult as it seems. Today, many financial organizations are ready to issue loans to small businesses from scratch. All thanks to targeted government support and the federal program for the development of small and medium-sized enterprises (SMEs).

Borrowed funds can be an excellent launching pad for a young entrepreneur. But business lending has its own nuances that need to be taken into account. Firstly, a loan is usually issued for specific purposes. This could be business development, starting a new business, purchasing equipment, repaying tax payments, replenishing working capital, etc. You will not be able to use the money in any other way. Otherwise, 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 establishing documents for the commercial real estate and commercial equipment you own (if any). In addition, to obtain a large loan, you may need a third party guarantee or other guarantees of your solvency (collateral, intermediation of the SME Corporation, etc.).

Requirements for the borrower

To take out a loan for a business plan, you need to meet the requirements established by the management of the banking organization. Each bank has its own internal standards, which only company employees know about. But, nevertheless, there are general criteria that are more or less the same for all financial institutions in the Russian Federation. These include:

• citizenship of the Russian Federation;
• age - from 23 to 65 years;
• business period is from 12 months.

Moreover, the last point does not mean that you will not be given a loan to develop a small business from scratch. It is quite possible to get it, you just need to use one of the government support programs.

Governmental support

The Russian government has long realized 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 federal authorities, but also regional administrations take part in their preparation.

Stimulating SME lending

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 a small business from scratch on these terms in 45 Russian commercial banks, including Sberbank, Vozrozhdenie, Alfa-Bank, Raiffeisenbank, etc.

Among the 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 preferential lending. The guarantor in this case is JSC Federal Corporation for SMEs.

Free loan

You can also receive money for business development 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. Moreover, 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 free loans of up to 15 million rubles. Separately, you can get up to 300 thousand rubles. from the regional Ministry of Economic Development as part of a regional competition.

Non-profit foundations

You can take out a loan for a small business, from scratch, without collateral or guarantors, not only from the state, but also from non-governmental organizations. For example, the International Business Leaders Forum (IBLF). Under the “Youth Business of Russia” program, 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. The interest rate is 12%, the debt can be deferred for 6 months.

All you need to apply for a loan is a ready-made business plan. The promotion is designed to support young businessmen, so the age of the potential borrower should be no more than 35 years.

TOP 5 business loans

Most loan offers that are not included in the program prepared by the SME Committee are issued to entrepreneurs whose business has been in existence for at least 1 year. Discussion of individual conditions is possible if there is security or guarantee from persons enjoying the confidence of the management of the banking organization.

5th PLACE: loans from Alfa-Bank JSC

Alfa-Bank is one of the most customer-oriented Russian banks. He actively cooperates with the SME Corporation and provides loans for small businesses from scratch on preferential terms. He also develops his own financial instruments for young entrepreneurs:

• "Partner". Loan for business development at 16.5% - 17.5% per annum. You can borrow from 300 thousand to 6 million rubles, no deposit is required. A prerequisite is to have 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” for the company. Issued for 12 months. The loan size varies from 500 thousand to 6 million rubles. Interest rate from 13.5% to 18%. No collateral is required, but a surety from an individual is required. A one-time fee of 1% is charged for opening an overdraft limit.

If you have just started a business from scratch, then the likelihood of approval is very small

4th PLACE: business loans from JSC Rosselkhozbank

Rosselkhozbank specializes in financing enterprises one way or another related to agriculture and the food industry. Therefore, the company has many targeted lending programs. Entrepreneurs involved in small businesses may be interested in the following loans:

• "Optimal". Non-targeted loan from 100 thousand to 7 million rubles. Repayment period - 5 years. Issued on the security of real estate, commercial equipment, transport or special equipment. Deferments for debt payment are not provided;
• "Fast decision". Loan in the amount of 100 thousand to 1 million rubles. The loan term is short, only 12 months. Can be used to pay lease payments or update the material and technical base of the enterprise. Collateral is not required.

Interest rates of Rosselkhozbank depend on the size of the loan and its repayment period. And they are calculated by credit managers individually.

3rd PLACE: targeted 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 greatest interest.

Under this program, entrepreneurs can receive a loan 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, renovate 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 credit line with a maximum disbursement limit.

To obtain a loan, you must provide collateral and enlist the support of guarantors. The minimum period of business existence 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 enterprise development here using one of three special programs:

• “Trust” 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 transfers 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

A 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 their 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 amounts starting from 850 thousand rubles. for the purchase of equipment and special vehicles from the bank’s partners. Repayment period - 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 material support;
• "Kommersant". Express loan for business development at 13% in the amount from 500 thousand to 5 million rubles. You can spread your monthly payments over a period of up to 5 years. The loan is not targeted and is provided against a minimum package of documents (business plan, individual entrepreneur certificate, etc.).

You can apply for a loan from VTB 24 either at the bank’s office or through a form on the official website.

Full 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. Material support can also be obtained from non-governmental organizations created on the initiative of entrepreneurs themselves. The main thing is to prepare a convincing business plan and find guarantors who will be willing to take on your financial obligations in the event of a crisis.

Business loan: overview of current offers:

The line of credit products includes standard and unique offers.

A loan for contract performance is a product developed for companies that become winners of state or municipal tenders. Borrowed funds have a specific purpose and are issued by the bank to fulfill contractual obligations by the company executing the order. This is an additional product to the bank guarantee, but it can also be issued in cases where it is not provided. Features and conditions:

• credit limit - up to 50% of the contract amount (up to 20 million rubles);
• rate - 19.5–22% per annum;
• pledge - the right to claim proceeds from a financed project.

With the financial support of our bank, projects on the construction and restoration of roads, renovation of apartment buildings, landscaping, and supply of equipment to medical institutions have already been successfully implemented.

Loans for business development are issued to legal entities on individual terms. Amount - from 300 thousand rubles. The possibility of partial or full repayment is provided, which allows you to create a debt repayment schedule taking into account the seasonality of the business. Movable and immovable property, surety of owners, bills of exchange are accepted as security. A one-time issue, a line of credit with issuance or debt limits are possible. Purpose of the loan:

• replenishment of working capital;
• reconstruction;
• acquisition of fixed assets.

Overdraft based on turnover

If there is insufficient or no funds in the current account, you can take out a business loan - an overdraft for turnover. Credit limit - up to 50 million rubles. The exact amount is determined after analyzing the average monthly turnover. The limit can be set to 50% of the received value. Product advantages:

• the ability to quickly use funds to replenish cash gaps, that is, pay wages to employees on time, pay contractors, pay contributions and taxes;
• Taking out a loan for business development is more profitable than withdrawing funds from circulation. With borrowed money you can expand production, purchase new equipment, and introduce modern technologies.

Overdraft compliment

We are making a profitable offer to representatives of the small economic segment and offer to take advantage of a business development loan with the issuance of money when opening a current account. Start-up companies use these funds to cover cash gaps. Detailed loan terms are described on our website.

The loan is cheap: in addition to interest, the client only pays a one-time processing fee of 990 rubles.

How to get a loan to develop and open a business?

Our bank is interested in cooperation with reliable borrowers, so we impose certain requirements on organizations. Experience of successful work, a competent business plan, sustainable, promising economic activity are positive aspects when considering an application for a loan for developing or starting a business.

We need to analyze how your business profile and business practices correspond to our credit policy. To begin interaction, please make an appointment with the bank manager. You can do this on the website by filling out the form.

At the meeting, the terms of the loan are discussed, then the package of submitted documents is studied. For a number of products, the decision is made within one business day, in some cases the review takes three days.

We are ready to help you choose the most suitable specific product for your business; we are interested in long-term and mutually beneficial cooperation.

Business development and expansion requires regular investment. The question of the need for financial investments sooner or later arises among both beginning entrepreneurs and successful businessmen. In such a financial situation, the question arises: “Where can I get a loan for an individual entrepreneur?”

And this article presents how banks where you can get an individual entrepreneur loan without guarantors or collateral. In order to collect for you all the best bank conditions in one place, we analyzed quite a lot of loan offers that provide loans for individual entrepreneurs in 2019.

Ways to get an individual entrepreneur loan

Bank lending is an effective and prompt solution to financial problems, a beneficial tool for the development of small and medium-sized businesses, and the ability to respond in a timely manner to emerging negative circumstances. Loans for individual entrepreneurs are available for targeted business development, replenishment of working capital, purchase of new equipment, and expansion of the production base. Almost every credit institution has loan offers, even for individual entrepreneurs with zero reporting (declaration).

Private entrepreneurs confirm their solvency on the basis of accounting documents, which indicate income from FCD; using declarations; income and expense journals; other accounting reports. In order to obtain a loan for an individual entrepreneur from scratch, it is necessary to draw up a promising business plan. It should reflect specific indicators for future periods, taking into account the specific nature of doing business in Russia and the real level of demand for specific services or goods.

When considering an application for a loan for entrepreneurs, it is important for the bank to understand for what purposes the loan money will be used, and from what funds it is planned to repay the debt. The bank’s credit manager will answer the question of how exactly to get an individual entrepreneur’s loan under the chosen program.

What loans can an individual entrepreneur take out?

For small and medium-sized businesses, banks offer loans in the following areas:

1. Express - loans: designed for businessmen with limited time. A minimum package of documents is provided. The decision to approve the loan and issue it is made within an hour. The interest rate for such programs is much higher, the loan term is shorter.
2. Consumer loan for individual entrepreneurs. This type of loan can be taken out by an individual entrepreneur as an individual. For a large amount, a wider package of documents is required. If you need a large amount, you should be prepared to provide loan collateral in the form of real estate, vehicles no older than 3 years, or capable and solvent guarantors.
3. Target programs, including government: include loans for small businesses. This is a type of financing the activities of legal entities, when the Assistance Fund can act as a guarantor. Issued only for specific purposes. Designed for entrepreneurs engaged in promising business and already registered for more than three months.
4. A number of banks provide Individual entrepreneur cash loan, revolving/non-revolving lines of credit and overdrafts.

TOP 6 profitable banks for an individual entrepreneur loan

Ratings of banks offering the most profitable loan products for individual entrepreneurs are formed from an assessment of general conditions, a list of required documents, interest rates, loan duration, and possible cooperation with starting individual entrepreneurs.

It is beneficial for individual entrepreneurs to take out a loan from the bank where the current account is opened. Loans are offered to regular customers on favorable terms. Before opening an individual entrepreneur account, it is recommended to monitor banks not only regarding favorable tariffs, settlement and cash services, but also from a lending point of view. Our blog specialists have already analyzed and compiled rating of the best banks for individual entrepreneurs .

In 2019, the best loan offers are from the Housing Finance Bank, OTP Bank, Renaissance Credit and Sovcombank. We invite you to familiarize yourself with the terms of individual entrepreneur lending programs for both individuals and specialized loan programs for individual entrepreneurs.

The best bank giving a loan to individual entrepreneurs without collateral or guarantors

OTP is one of the best banks that provide consumer loans to individual entrepreneurs without collateral or a guarantor. The undeniable advantage of this credit institution is the ability to submit an application online from the official website and receive a final decision in 15 minutes. OTP Bank offers profitable cash loans for both individuals and individual entrepreneurs.

Loan terms for people running their own business

• Loan amount from 15 thousand to 4 million rubles.
• The loan is issued for a period of 12 to 120 months.
• Interest rate - from 10.5% per annum.
• Providing security in the form of a guarantor or collateral is not required.

The only documents you need to submit are a passport of a citizen of the Russian Federation, a Unified State Register of Individual Entrepreneurs (USRIP) certificate, and an INN. The bank is ready to cooperate with beginning businessmen.

Cash loan for individual entrepreneurs from scratch on the day of application

Renaissance Credit is one of the few banks that provides consumer loans to individuals developing their business. We list the main advantages and possibilities of a cash loan for individual entrepreneurs in this bank:

• Credit limit - from 30 to 700 thousand rubles;
• Interest rates range from 10.9%;
• Duration of the loan agreement: from 24 to 60 months;
• To apply for a loan, it is enough to present a passport of a citizen of the Russian Federation and a second document of your choice;
• No collateral is required, but proof of title to the property will guarantee a reduced interest rate.

The application is sent from the bank's website. If approved, you must visit the office and submit a minimum package of documents. Private entrepreneurs only need to bring a certificate of state registration of individual entrepreneurs. A balance sheet is not required. You can also provide a title for a car or documents for an apartment as your solvency. (The deposit will not be used!). Offers from Renaissance Credit Bank can be taken advantage of by businessmen starting an individual entrepreneur business from scratch. The optimal rate and loyal conditions will allow you to quickly receive the required amount on the day of application without unnecessary paperwork.

Sovcombank - cash loan at low interest

Sovcombank offers consumer loans to all categories of citizens, including individual entrepreneurs.

1. The limit is 1 million rubles for any purpose.
2. Base interest rate from 12% per annum;
3. The application can be submitted via the Internet, the loan is issued at the bank office.
4. The loan is issued for a period of up to 60 months.
5. Review of the application from one hour to three days.

Individual entrepreneurs have the opportunity to get a loan in a larger amount by providing real estate or a vehicle as collateral. There is a program “For Responsible Plus”. No documentation is required from private entrepreneurs. Therefore, a consumer loan from Sovcombank is suitable for individual entrepreneurs with zero reporting.

Attention! The bank approves loans to new customers only for persons over 35 years of age. If you have less, then it’s better to leave your application at another bank.

Loan "Trust" for business development from Sberbank

A loan for individual entrepreneurs is offered by the country's main lender, Sberbank. The Trust program will allow you to resolve current financial difficulties and implement plans in the future.

Business loan terms from Sberbank

1. Type of loan - without collateral and for any needs.
2. The loan is available to individual entrepreneurs whose annual revenue does not exceed 60 million rubles.
3. When taking out a loan secured by a guarantee, a reduced interest rate applies.
4. The base rate is 16.5% per annum.
5. The maximum loan term is 36 months.
6. Credit limit - up to 3 million rubles.

Sberbank requires documents for an individual entrepreneur's loan, such as a citizen's passport - an individual, a military ID if available, a Unified State Register of Individual Entrepreneurs certificate, a certificate from the Federal Tax Service on the registration of a private entrepreneur, the latest version of financial statements with the seal of the tax authority, tax payment receipts. Licenses, permits to operate, lease agreements (sublease) or certificates of ownership of non-residential premises may be required.

Bank providing a loan for individual entrepreneurs secured by an apartment from BZHF

Very often, entrepreneurs need a large sum of money to develop their business, to increase turnover or for other purposes related to business development. It is very difficult to take out a large loan without collateral, even if you collect certificates. And then the best option is a loan for an individual entrepreneur secured by an apartment.

The Housing Finance Bank is by far the most popular bank among individual entrepreneurs that provides loans secured by real estate. The issuance of the required amount of money to businessmen occurs without bureaucracy, unnecessary certificates and in the shortest possible time. Due to the fact that the apartment is collateral, the bank evaluates your credit history and your business more favorably. This gives a real opportunity to take out a loan for an individual entrepreneur without refusal.

Under what conditions can you take out a loan?

• The loan term is up to 20 years, and the rate is from 11%.
• Amount up to 8 million rubles (but not more than 70% of the market value of the apartment).
• If the apartment is owned by a spouse, then she can be indicated in the loan agreement as a mortgagor.
• Early repayment at any time without penalties or moratoriums.
• The apartment must be located in the cities where the bank operates: Krasnodar, Moscow, Nizhny Novgorod region, Novosibirsk, Omsk, Perm, St. Petersburg, Yekaterinburg, Kazan, Volgograd.

Business loan for individual entrepreneurs secured by real estate

In the last few years, P2B crowdlending projects have been actively developing all over the world, when individual investors lend to borrowers without the participation of credit institutions. In Russia today there are also such companies offering lending to small and medium-sized businesses on simpler and more understandable terms.

One of these companies is the investment and business financing agency “Money in Business”, which lends to individual entrepreneurs secured by real estate and without providing management, accounting and other financial statements.

The loan offer is inherently unique and cannot be compared with any other bank. If an entrepreneur urgently needs money, we recommend paying attention to this company.

Brief terms of the individual entrepreneur loan:

1. The minimum amount is from 500 thousand rubles for a period of 2 years with the possibility of extension.
2. Funds are issued strictly for targeted financing of your business.
3. It is possible to provide commercial or residential real estate, as well as real estate of third parties, as collateral.

Thus, answering the question of where to get a loan for an individual entrepreneur and how to get it is not so difficult. If the terms of a specialized loan for a small business are difficult to meet, it is possible to take out a standard consumer loan in an amount acceptable for starting a business. I hope the review of the conditions of banks issuing loans to individual entrepreneurs was useful for you and you will find financing for your business from the proposed list.

How to get a loan to start a small business from scratch? Where can I get a soft loan to open a small business? What are the conditions for a loan to open a small business?

The most common question that new entrepreneurs ask themselves is: where to get start-up capital to open a business? If you can’t borrow money from your parents, friends, or get a loan from the government, there is only one option left – a bank. There is always money there and in any quantity.

Denis Kuderin is with you, a finance expert at HeatherBober magazine. I will tell, how to take out a loan to open a small business, what requirements do banks impose on beginning businessmen, and whether preferential loans exist in nature for newly-minted individual entrepreneurs and LLCs.

Read the article to the end - at the end 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. Loan for starting a small business - assistance to a beginning entrepreneur

Small business (SB) is a commercial enterprise whose number of employees does not exceed 100 people and whose annual revenue does not exceed 400 million rubles . Provided for small businesses special taxation regime and simplified accounting procedures.

Lack of start-up capital – the main stumbling block for novice businessmen. A lack of assets slows down the development of one’s own business, prevents the implementation of potentially profitable commercial ideas and interferes with self-realization.

Psychologically, people who are at the initial stage of opening their own business ready to risk borrowed funds for a successful start. They have a thoughtful plan and development strategy.

All that remains is 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 break even or at least do not go bankrupt in the first 1-2 years after opening.

For this reason, banks are not eager to give out money to everyone. They have no interest in financing 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 security and guarantor

Mortgaged property - reliable money back guarantee. Secured loans are beneficial both to banks and, partly, to the borrowers themselves. The interest rate on such loans is lower, the terms are longer, and the documentation requirements are more flexible.

The following is taken as collateral:

• liquid real estate - apartments, houses, land plots;
• transport;
• equipment;
• securities;
• other liquid assets.

It’s even better if, in addition to collateral, you have guarantors - individuals or legal entities. Have the right to become a guarantor city ​​or regional Entrepreneurship Centers, Business incubators and other structures that help aspiring businessmen.

Condition 3. Clean credit history

Banks check the credit history of all borrowers without exception.

• successfully closed loans;
• there are no sanctions for past delays;
• There are no existing loans.

If you want to fix your credit history, it will take time. The most effective way is to take out several consecutive loans from microfinance organizations and close them on the company’s terms.

Condition 4. Complete package of documents

The more documents you provide to the bank, the greater the chances of a positive response. Make sure all documents are current and properly completed.

A definite plus - Availability of ready-made licenses and other permits for the type of activity you are going to engage in.

Let's take a break and watch a short video on the topic.

3. How to get a loan to open a small business from scratch - 5 simple steps for the borrower

First, decide on the amount you need. There is no need to take more than required, but lack of funds is also undesirable. Ideally needed professional financial analyst to calculate all costs.

Immediately think about whether you can provide the bank with collateral, if required, and find guarantors.

Open checking account– no businessman can do without it.

The most convenient and fastest way to open accounts is in the following banks:

Step 1. Select a bank and lending program

Banks offer dozens of types of lending programs for beginning businessmen. Your goal is to choose the one that best suits your needs.

First, you should take an interest in the offers of the bank whose services you use. Salary clients and those who have a bank account deposit or current account, banks offer more favorable conditions.

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 “National Rating Agency”;
• experience– you should 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 from other businessmen who have already used the company’s services;
• Availability of preferential loans with state support– in case you manage to use such programs.

And another tip - read the latest news about the bank. Suddenly he changes owner or transfers its assets to another bank. You don’t need any extra hassle with details.

In the Russian Federation, several dozen banks a year lose their licenses. Cooperate only with those companies whose position is stable and strong.

Step 2. Prepare documents

I already spoke about the package of documents above - the more complete it is, the better.

You will need:

• passport;
• the second document – ​​preferably TIN;
• certificate of registration of 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 are applying for a secured loan);
• business plan;
• income certificate (if any).

The bank has the right to require other documents - for example, list of purchased property for business activities, office lease agreement, etc.

Step 3. Submit an application

All modern banks accept applications online. Fill out the form, submit and wait for a decision. Please indicate the most detailed and reliable data– the bank will carefully check this information.

Do not try to hide information that is important for the lender - bankruptcy in the past, existing loans. The bank security service works no less efficiently than the police, when it comes to screening the borrower.

Banks will never take risks by issuing loans to those who are trying to defraud them. On the contrary, they will blacklist such citizens.

A significant portion of loans for start-up businessmen are issued on the terms down payment 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. 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 an agreement 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 calm environment. It’s even better to have it 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 meet your capabilities;
• the procedure for calculating fines;
• conditions for early repayment of the loan;
• obligations and rights of the parties.

Study at the same time pledge agreement if you take out a loan with a guarantee. You need to know your rights as the owner of the collateral property.

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 completely.

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. Receive funds and open a business

All that remains is to receive funds to your current account or in cash and open your own business with them. Or the company will transfer money to the account of the seller from whom you are purchasing equipment or special equipment under the contract factoring or leasing.

4. Where to get a loan to open a small business - review of the TOP 5 banks

The expert department of our magazine 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 purpose 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

You can get a loan from them up to 1,000,000 rubles at 3% per month. Application review period is up to 1 hour. Issuing money during the day.

The main advantages of the service are convenience and speed. All processes take place online - from submitting an application to receiving money in the company’s account. All you need is a passport and company documents. From the start of filling out an application on the website until the money arrives in the company’s existing bank account, no more than 1 day passes.

The service is available for individual entrepreneurs and LLCs. Suitable for short loans in urgent need. For example, when you need to fill a cash gap, pay salaries to employees, purchase goods or replenish working capital.

6. How to increase your chances of getting a loan to start a small business - 4 useful tips

If you 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 obvious signs of solvency, try taking advantage of preferential loan programs and with the help of Entrepreneurship Centers In your city.

Such structures will provide guarantee to the bank or even take on part of the loan payments.

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 state reimburses the costs to the banks.

Franchising is an additional guarantee of MB success. Perfect option - buy a franchise from the bank’s partner companies. Financial institutions partner with large brands that have an effective business model.

Tip 3. Provide collateral and issue a guarantee

Collateral and guarantee help you achieve your credit goal as quickly as possible. If there is collateral interest rates are falling, and loan amounts and terms, on the contrary, are growing.

But it’s worth soberly assessing your financial capabilities. If you cannot pay off the loan, the collateral will be sold at a price of 40-50% of its real value. Yes, and you will let down the guarantors - your debts will also affect their credit history.

Tip 4. Use the services of financial brokers

Financial brokers know much more about business loans than first-time entrepreneurs. The services of such companies cost money, but if you find a truly professional and experienced broker, your costs will more than pay off.

7. Conclusion

A loan for starting a small business is a chance for entrepreneurs to launch a promising business project without having personal savings. Many successful businessmen started with borrowed funds and now have billions in profits.

Question for readers

Do you think it’s worth pledging personal property as collateral for a business loan?

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To organize your own business or expand an existing one, you need financial investments. What to do if your own funds are not enough? For most entrepreneurs, the answer is obvious - go to the bank and get a loan for business development under certain conditions. Is it so easy for a borrower to take out a loan, is there a real alternative to 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, the total income of 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. To start their own business or its sustainable development, they do not always have enough working capital, so they have to find sources of financing.

Just a dozen years ago, the unstable situation in the economy allowed only a few to obtain much-needed funds, 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 all go bankrupt, because some of them are part of larger industries, joint-stock companies, and some themselves become medium-sized and then large businesses. In addition, many individual entrepreneurs use the so-called “gray scheme” for generating income, so banking institutions cannot see the real income of the enterprise, 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 easily find and buy a ready-made version of the 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 the bank this is one of the main components, and for the 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, vehicles, machinery and even real estate (factoring, leasing, commercial mortgages, 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 can be movable and immovable property, a guarantee from individuals or legal entities, a deposit in the 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 by both major players in the banking market (Unicreditbank, Raiffeisenbank, etc.) and 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
	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 significantly 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, a tax return, and indicate a 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

Recently, the state has shown 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) of the Central Bank.

Microloans

In the West, the process of microcrediting small businesses by the state through financial institutions has been introduced everywhere. In Russia, this practice is very poorly developed, or rather, it is in its infancy. The advantage of a microloan compared to a bank loan is a lower 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 does not have the opportunity to secure collateral, he can take advantage of the unique opportunity of state assistance and apply for 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 affordable service, so it is chosen even by those entrepreneurs who have something to offer as collateral, since the service is financially beneficial, because the borrower does not need to arrange collateral and insurance for 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. Regional entrepreneurship funds are responsible for issuing subsidies, so 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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