If you want to organize your own business in Moscow, every entrepreneur is faced with a choice: to implement their own ideas or to purchase a ready-made business. In any case, you need initial capital to start. In his absence The best way is to take a loan from a bank. However, not every financial institution is willing to provide small business loans. And those that provide such services, expose unfavorable loan conditions for a novice entrepreneur, require a huge list of documentation. Answer the question: "Where can I get a loan to buy a ready-made business in Moscow?" our service will help. We have collected up-to-date information about best banks and financial institutions that are interested in investing in private enterprise.

Terms of Service

Most banks issue a loan for a ready-made business only to trusted clients who own various types of movable/real estate and have large turnovers. If you are a beginner entrepreneur, then it is relatively easy to get a consumer loan or use specialized lending programs that operate on an ongoing basis in many banks. An example of this is a current loan at Sberbank called Leasing for Business.

In this case, a loan for the purchase of premises or the purchase of any business equipment is provided on the following terms:

• the maximum loan amount is up to 24 million rubles. (depends on solvency and collateral);
• obtaining a loan for the purchase of a small business is possible both with collateral and without collateral;
• payment term up to 120 months;
• you can take a loan to buy an existing business at a low interest rate of 10%;
• consideration of the client's application takes place within 24 hours.

How to receive funds through CreditZnatok?

The CreditZnatok service has already helped many start-up entrepreneurs to get money to purchase an existing business in Moscow. To apply for a loan through our website, you should familiarize yourself with the available offers in detail, choose for yourself optimal conditions loans and submit an electronic application. Its form will become available to you after clicking the appropriate button. After filling out and sending the application, a representative of a financial institution will contact the entrepreneur shortly to determine the exact purpose of the loan (purchase of a ready-made business, purchase of premises, equipment, etc.). It is possible that you will receive the necessary amount only by personally visiting the premises of the bank, because you will need to provide some original documents, which will be additionally notified to you by a representative.

In the article, we have compiled a list of 12 largest banks that give entrepreneurs and organizations a loan to start a business from scratch. Also from the article you will learn what documents are needed to obtain a loan, what are the conditions for lending and how to get a loan.

Which bank to get a loan to start a business

Rates may vary depending on the region of the country. Most banks offer an individual approach to entrepreneurs, choosing for them the maximum loan amount and interest rate, in relation to the risks of the business plan, the amount of collateral and other parameters. Therefore, the specified data is not always unchanged.

How to get a small business loan from scratch

The path to begins not with a visit to the bank, but with preparation.

First of all, you need:

1. . Detailed description project, directions for its development, will be needed in any startup. It is on the basis of this document that potential investors form a picture of the business and decide whether it is worth investing in it. It is advisable to include in the business plan all accounting calculations, a market overview, a work plan and a loan repayment schedule.
2. Define bail. Of course, in theory, a loan for opening an individual entrepreneur can be obtained for one “beautiful” business plan, but in practice, banks are wary of entrepreneurs who do not have real estate, a car or other valuables that can act as collateral. The businessman himself should also not forget that the loan will have to be repaid, and even with rather big interest. Therefore, before going to the bank for a loan, you need to take care of your own "airbag" - cash savings or property (real estate, car, securities and stocks).
3. Register an individual entrepreneur or LLC. To obtain a business loan, you will need documents confirming that the person is registered with the tax authorities as an entrepreneur.
4. Select a bank. You need to study not only the tariffs of banks, but also reviews about them. Only directly the clients of the institution can tell about all the pitfalls of the service.

When the preparation is over, the bank is selected, you can apply. You can do this at a bank branch or online.

Step-by-step instruction

Consider obtaining a loan to start a business using the example of visiting Sberbank:

1. Fill out an application form, which contains information about the entrepreneur and his intentions regarding obtaining a loan.
2. Select a lending program to start or.
3. Submit documents to the bank along with an application for a business loan.
4. Pay off the down payment, or pledge valuable property.
5. Get the required amount and start your business.

Online application

Most banks today accept applications for a loan via the Internet. For this you need:

1. Go to the bank's website;
2. Find the "Small Business Lending" section;
3. Fill out the form with full information;
4. Enter your phone number;
5. Submit the form for consideration and wait for a response.

Small Business Loan Approval Conditions

A loan agreement between a bank and an entrepreneur carries risks for both parties. The lender will not be happy if the borrower receives the money and disappears or fails to repay the debt. Therefore, before issuing a loan, the bank finds out the following information:

• how much is required and for what needs;
• the entire amount is needed by the borrower at once or in several payments;
• what is the planned profit of the enterprise, how stable;
• what is the planned income of a businessman, taking into account necessary payments on credit;
• whether there are dark spots in the applicant's credit history.

How to get approved for a loan

When an entrepreneur comes to a bank seeking a loan for a start-up in the small business sector, the specialists of the financial institution require certain guarantees from him. These include:

1. Good credit history. If a businessman has overdue or outstanding payments behind him, the chances of new loan reduced to almost zero. Financial institutions prefer not to deal with unscrupulous borrowers.
2. Mortgaged property- an indicator of a serious approach to credit. It is better to think about what can be pledged to the bank in advance and stock up on documents confirming the ownership and value of the property.
3. Competent business plan, reflecting confidence in obtaining a stable income.
4. Parallel Income. If the entrepreneur is employed in a stable job or has other income that does not depend on the new business, then his chances of repaying the loan in the future increase. Income is confirmed by a 2-personal income tax certificate.
5. Guarantee. A natural or legal person with a favorable credit history can vouch for the borrower.
6. Starting capital more than 25-30% of the required amount. Starting a business still requires some savings. Starting a business with a loan is always risky, and even more so, you should not expect that the bank will issue a loan for the full amount needed for a startup - you still have to invest some personal funds.
7. Franchise. Banks are more willing to lend money for a proven brand than for a brand new venture. Therefore, if something is not right in other points, it is better to think about buying a franchise, this will increase the chances of obtaining a loan.

There are other factors that, to a lesser extent, but also increase the chances of successfully obtaining a loan for a small business:

• age from 30 to 45 years;
• permanent registration at the place of residence;
• real estate property;
• no criminal record;
• registered marriage.

Who decides

The main task of the bank before approving a loan is to assess the risks and reliability of a particular entrepreneur. To avoid further problems with debts, banks use two main methods:

• expert review- a subjective decision made by the inspectors of the financial institution;
• automated scoring system (scoring)– the operator enters the client’s data into the program, fills out the questionnaire, all further analysis takes place without human intervention.

Some banks use two methods at once, which makes the check even more thorough.

What documents need to be provided

Regardless of the bank and tariff, you will need a passport and a military ID to get a loan. If a young man is expected to serve in the army, the bank will most likely refuse to provide a loan.

The bank may also request:

• income statement (2-NDFL);
• extract from the Unified State Register of Legal Entities (for LLC from the Unified State Register of Legal Entities);
• business plan;
• documents on the ownership of the property left as a pledge;
• guarantor's letter;
• for the franchisee: an agreement with the franchisor;
• for persons with temporary registration: its confirmation;
• if any: contracts with suppliers, lease agreements for business premises, licenses.

Bank agreement

The final document before obtaining a loan is an agreement that must be carefully studied before signing. This document prescribes all the conditions for granting and repaying a loan, so special attention should be paid to the following points:

• final interest rate;
• payment schedule;
• fines;
• early repayment;
• obligations and rights of the parties.

Features of small business lending

Why is it so important to get a loan at the rate for a start-up small business? The fact is that all credit programs are developed specifically for certain needs, which means that they take into account the needs of the client as much as possible. So, lending to start-ups in small businesses has its own distinctive features.

1. The loan amount is greater than that of a consumer loan;
2. The issued funds are most often transferred to the current account of the entrepreneur;
3. More interest rate;
4. Collateral and guarantors are important;
5. Life and collateral insurance is required.

The bank refused to issue a loan - what to do?

All launch plans own business can collapse if the bank refuses to issue a loan. In this case, you can contact another bank, but no one can guarantee that they will make a different decision.

It is worth noting that when checking the credit history, the bank will definitely receive information that the data on the citizen has already been requested by another bank.

It is also very difficult to work on mistakes, since by law a financial institution is not required to substantiate its refusal and voice its reason.

But even if the bank refused the application, and it is not possible to change its decision, this is not a reason to give up. There are other ways to earn money:

• The amount of loans for the needs of individuals is smaller, but it is easier to get them. Some banks in exchange for high interest don't even ask credit history borrower, which means you can take several such loans at once.
• non-bank loan. If the credit history does not satisfy even for obtaining a consumer loan, then the option remains to contact non-bank organization authorized to issue loans individuals. However, they issue small amounts, for shorter periods and at high interest rates - in a word, on the most unfavorable conditions for the entrepreneur.
• . Each region has its own state and commercial centers that finance outstanding business projects. However, in order to achieve such assistance, the business idea must be truly original and profitable. Municipal authorities willingly finance programs that ensure the flow of funds and resources to the region. This may be a new production Agriculture, education, tourism and ecology.
• Broker services. For a fee (up to 15% of the loan amount), an experienced broker will analyze the needs and capabilities of the entrepreneur and select the best offer for him. Also, the broker will help in evaluating the loan.
• Partnership with a large company. If an entrepreneur has connections among business giants, you can find a patron who will help, including with financing.

In order for a start-up small business to be able to develop at a successful pace, as a rule, financial injections are required.

When the founders do not have sufficient funds for development, they come to the rescue bank loans. And although looking at advertising, it seems that getting the right loan is as easy as shelling pears, in fact, entrepreneurs can get a business loan without down payment only under certain conditions.

Conditions are put forward by banks and serve to guarantee the return of borrowed funds. At the same time, not only the timely repayment of the debt, but also the interest on it is important.

How to get and apply

First of all, it is necessary to talk about who banks are ready to issue loans for organizing small businesses.

The requirements for a small business client are:

1. Ownership of liquid property(equipment, real estate, securities, etc.). If a businessman can provide security for a future loan valuable pledge, the bank will almost always meet halfway, as collateral is the best money-back guarantee. However, it is important to understand that the value of the collateral should be 150-200% higher than the loan amount.
2. Company age. This criterion is especially important for individual entrepreneurs, although there is little trust in firms that have not managed to earn a reputation. For this reason, it is recommended to register a company in advance, thereby increasing the likelihood of bank approval of a loan application.
3. Yield. The firm may not be new, but the profit is almost zero. Such a company may not be given money for development. Banks do not require incredible profitability, but at least minimum percentage will have to show.
4. Business plan. It is required when we are not talking about loans for current activities. Bank specialists will definitely get acquainted with it to make sure that the money will be used to purchase liquid assets. Loans are reluctant to pay wages or rent.
5. Credit history and reputation. While history is easy to verify, reputation is more difficult. By sending a request to the CBI, the bank will be able to find out exactly how the client previously fulfilled its obligations. The bank will be able to learn about the reputation from the reviews of business partners.

Based on the foregoing, it is obvious that obtaining a loan for a small business is extremely difficult:

• indeed, there is no history as such yet;
• age is not yet great;
• a business plan is not the most important of the criteria;
• and the lack of liquid property can completely cross out all hopes for a profitable loan.

That is why in the end it is often used one of two options:

1. Make a loan to an individual (director, founder, owner).
2. Participate in the state program.

In the first case there is a standard procedure for obtaining a loan, such as a consumer loan. Most often, only two documents are used: a passport and proof of size. monthly income. And here there is the main difficulty, since it is rather difficult to confirm the amount of income of an individual entrepreneur, since he does not receive a salary.

Disadvantages of this solution:

• a loan to an individual cannot be reflected in an expense item when the entrepreneur calculates the taxable base;
• restriction on the amount of the loan (significantly less) and on the timing of its repayment;
• the borrower himself has to come to terms with the fact that the bank will have to repay the loan even if the enterprise goes bankrupt.

The second option is much more promising.– receiving a grant or loan from the state. There are even gratuitous loans that entrepreneurs who meet the conditions of the state program do not even need to repay. To receive such a loan, you will need to take part in a government program or become a grant recipient.

The main difficulty here is to comply with a large number of formalities. In addition, entrepreneurs will have to prove their business acumen and interest officials in their innovative projects.

Small business loans from the state in 2019

If we compare 2019 with 2019, then there is a reduction in state funding for concessional financing of small businesses.

Get a loan from the government preferential terms enterprises will be able to:

• where the state has no more than 100 employees;
• turnover for the year on all accounts does not exceed 400 million rubles;
• the applicant must prove his solvency;
• show a positive story.

The process of obtaining a loan in general terms looks like that:

• An application for a government loan is drawn up and submitted to regional Fund entrepreneurship support.
• Simultaneously, the Bank, working with the Fund, is submitted financial statements enterprises for comprehensive study.
• After approval of the application and documentation submitted by the applicant, the Fund transfers the money to the bank, and the bank issues a loan to the applicant.

In the Entrepreneurship Support Fund (local territorial subdivision) you can find out a lot of useful information:

Each territorial division operates on the basis of.

Table 1. Basic conditions for concessional state lending to small businesses in 2019

Express loans

Favorably differs from the usual speed of its design. Most often, entrepreneurs resort to this type of borrowing of working capital, since the requirements for the borrower are minimal and in the absence negative history The probability of getting an express loan is almost 100%.

All express loans are unsecured, and this is another unconditional advantage. The company does not have to prepare documentation for collateral, draw up an encumbrance, the procedure for obtaining the required amount takes several times less time than with the standard one.

Expenses for an express loan include a commission (1-2% of the loan amount), as well as interest for the use of borrowed funds.

You can lower the rate by choosing targeted borrowing, for example, for the purchase of vehicles, replenishment of working capital, etc. By providing the bank with collateral and guarantors, you can reduce the interest rate by 5-7%.

Interest rates on this banking product are usually high and amount to 25-30% per annum.

For example, in Sberbank, the Trust loan for small businesses is a very profitable product aimed at providing loans in the shortest possible time.

Table 2. Terms of the credit "Trust" in Sberbank.

Those enterprises whose annual turnover does not exceed 60 million rubles.

Investment

Investment loans are effective business development tools. The process of registration and approval of applications from entrepreneurs for an investment loan is quite complicated.

Its main principles are:

1. For the bank, the intentions of the entrepreneur in relation to borrowed funds are of great importance, even more than his real financial position. Therefore, the package of documents includes a feasibility study - a feasibility study.
2. Interest on a future loan should be significantly less than the expected return on investment.
3. The borrowing period is determined individually, depending on what the payback period will be for this specific investment project(the borrowing period is not less than the payback period).
4. If the project is very promising, the bank can even provide the borrower with a grace period during which the client will only repay the interest on the loan.

If we turn to the practice of issuing investment loans to representatives of small and medium-sized businesses, then often we are talking about money for:

• construction of production facilities:
• equipment purchases;
• setting up the production of agricultural products;
• a loan for the purchase of a ready-made business, etc.

The enterprise concludes an investment agreement with a bank, according to. classifies contracts for receiving investments as a mixed type of contracts, since its parties can be not only a bank and a representative of a small business, but also the state.

Express loans and investment loans to small businesses in Russian banks

The conditions for granting loans, as well as the amount of loans provided in domestic banks, are quite different. This opens up opportunities for businessmen to conclude an agreement with the bank on favorable terms.

Such conditions optimally correspond to the current financial situation of the borrower. Table 3 shows the current offers of the largest Russian banks for small businesses.

Table 3. Conditions for providing express loans and investment loans to small businesses in the largest Russian banks as of 01.10.2016

Business plan loan

The peculiarity of lending according to a business plan is that an entrepreneur who wants to get a loan from a bank prepares a package of documentation in which he substantiates the following points:

1. Money is required for a specific purpose, now and for a specific period.
2. The loan will be used to extract the maximum benefit.
3. Repayment of the loan in the current state of affairs will not be difficult for the borrower.

A detailed business plan is a large volume of documents, therefore, for the approval of applications, a compressed version of only 4-10 pages is submitted, no more.

In the vast majority of cases, business plans are prepared according to the standard scheme:

• describes the economic potential of the enterprise, as well as the size current yield and predictable after receiving a loan, all cost groups are listed in detail;
• the marketing plan describes all the activities that will be implemented by the enterprise in order to bring its product to a given sales volume;
• the technical part, which describes the product, the necessary improvements, as a result of which it will be possible to increase sales.

The first thing that will be done by banking specialists in the process of reviewing a business plan submitted by a potential borrower is an assessment of the risks associated with the repayment of a loan. when financing business projects, it is almost never used.

Therefore, the document itself necessarily contains a section on risk assessment by the borrower, where justification should be given for all categories of risks. After reviewing the submitted concise business plan, the bank examines the project and decides whether to approve the application immediately or consider a detailed business plan.

Based on the results of the study, the conditions for the loan are offered to the enterprise. Most often conditions:

• individual;
• taking into account risks;
• taking into account the current financial position of the enterprise.

As a rule, those banks that develop the direction of small business financing offer on their websites a sample description of a business for obtaining a loan. This information gives a clear idea of ​​how you should prepare your project before submitting it for consideration to a particular bank.

Rating of banks for small business

Major marketing and analytical agencies (Moody's, Rus-rating, NRA, etc.) regularly publish ratings of banks, including those that offer the most profitable loan small business.

• annual gross issuance of loans for small business development;%
• the range of services provided;
• completeness of online service and other indicators.

• by assets - the value of the bank's property, the size of its capital, the amount of all liabilities of small businesses to the bank, the volume valuable papers etc.;
• credit - is compiled on the basis of the volume of loans issued.

source of reliable information about financial stability any commercial bank is the Central Bank. The regulator's website regularly publishes solvency data major players banking business where you can get information about banks of interest.

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Choosing a bank to receive a loan for small business development is a very difficult decision for an entrepreneur. It is necessary not only to compare the conditions for providing investments.

It is also necessary to compare the reliability of a credit institution, as well as take into account the real possibilities for the timely repayment of a loan along with interest. Real help in search the best option brokerage organizations can provide a loan.

Video: IncomePoint.tv: Loans for small businesses.

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

Most frequently asked question, which start-up entrepreneurs ask themselves - where to get start-up capital to start a business? If you can’t borrow money from parents, friends or get a loan from the state, there is only one option left - a bank. There is always money and in any quantity.

With you is Denis Kuderin, an expert in finance for the HeatherBober magazine. I will tell, how to get a loan to start a small business what requirements banks impose on novice businessmen, and whether there are in nature soft loans for newly-minted sole proprietorships and LLCs.

We read the article to the end - in the final you will find an overview of banks with the most favorable conditions lending and advice on how to increase the chances of a positive response from a financial company.

1. Small Business Startup Loan - Helping a Start-up Entrepreneur

Small Business (MB) – commercial enterprise, the number of employees of which does not exceed 100 people, and the annual revenue is not higher than 400 million rubles . For small businesses provided special tax regime and simplified order bookkeeping.

Lack of start-up capital - the main stumbling block for novice businessmen. The lack of assets hinders the development of one's own business, prevents the implementation of potentially profitable commercial ideas and hinders self-realization.

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

It remains only to present your ideas to creditors and make them believe in the commercial potential of the future business.

But remember that only about 10% of small businesses pay off or at least do not burn out in the first 1-2 years after opening.

For this reason, banks are not eager to distribute money to everyone. They have no interest in funding projects with an uncertain future. Therefore, they you need a clear business plan, a guarantee or a franchise. And even better - liquid collateral.

Condition 2. Availability of collateral and guarantor

Mortgaged property - reliable money back guarantee. Secured loans are beneficial to both banks and, in part, to the borrowers themselves. The rate on such loans is lower, the terms are higher, and the documentation requirements are more loyal.

Taken as a pledge:

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

It is even better if, in addition to collateral, you have guarantors - physical or legal entities. The guarantor has the right to become city ​​or regional Centers of Entrepreneurship, Business incubators and other structures that help novice businessmen.

Condition 3. Net credit history

Banks check the credit history of all borrowers without exception.

• successfully closed loans;
• no penalties for past delays;
• no existing loans.

If you want to fix credit history, it will take time. Most effective method– take several consecutive loans from MFIs and close them on the terms of the company.

Condition 4. Full package of documents

The more documents you provide to the bank, the more chances for a positive response. Make sure all documents are up to date and properly formatted.

A definite plus availability of ready-made licenses and other permits for the type of activity you intend to do.

Let's pause, watch a short video on the topic.

3. How to get a loan to start a small business from scratch - 5 easy steps for a borrower

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

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

Open checking account No business can do without it.

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

Step 1. Choose a bank and a loan program

Banks offer dozens of varieties of lending programs for business start-ups. Your goal is to choose the one that best suits your needs.

To begin with, you should take an interest in the offers in the bank whose services you use. Payroll clients and those who have in the bank deposit or current account banks offer more favorable terms.

It is more reliable to cooperate with famous players financial market which have many branches in different cities RF.

Other important criteria:

• independent bank rating– in Russia, the most authoritative rating companies are RA Expert and the National Rating Agency;
• work experience- do not trust institutions that opened less than 5 years ago;
• financial indicators– if banks have nothing to hide, they publish financial reports on your site;
• reviews of other businessmen who have already used the services of the company;
• Availability of concessional loans with state support- in case you manage to take advantage of such programs.

And another tip - read latest news about the bank. Suddenly he changes ownership or transfers its assets to another bank. Extra hassle with the details you do not need.

Several dozens of banks a year lose their licenses in the Russian Federation. Collaborate only with those companies whose position is stable and strong.

Step 2. We prepare documents

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

You will need:

• the passport;
• second document - preferably TIN;
• certificate of registration of an individual entrepreneur or LLC;
• fresh extract from the Unified State Register of Legal Entities;
• certificate of registration with the Tax Service;
• licenses and permits (if any);
• documents for mortgaged property(if you apply for a loan with collateral);
• business plan;
• income statement (if any).

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

Step 3. Apply

Everything modern banks accept applications online. Fill out the form, send it and wait for a decision. Specify the most detailed and reliable data The bank will carefully check this information.

Do not try to hide important information for the lender - bankruptcy in the past, existing loans. The Bank's security team works as efficiently as the police when it comes to checking the borrower.

Banks will never take the risk of lending money to those who try to cheat them. On the contrary, they will blacklist such citizens.

A significant part of loans for start-up businessmen is issued on terms initial payment in the amount of 10-30% of the loan amount. It is worth preparing this amount in advance and convincing the bank that you have it.

Step 4. We conclude an agreement

A loan agreement is a serious thing. The financial well-being of your company and your own emotional and psychological well-being for many years to come depend on it. Paying under a contract that you have not read is dangerous and stupid.

I recommend that you familiarize yourself with the draft of this document in advance and read it at home, in a relaxed atmosphere. Better yet, let it be studied by a lawyer who understands the intricacies and pitfalls of business lending.

What to look for:

• final interest rate;
• payment schedule - is it convenient, does it correspond to your capabilities;
• the procedure for calculating fines;
• terms early repayment credit;
• obligations and rights of the parties.

At the same time study pledge agreement if you take a loan with a guarantee. You need to know your rights as the owner of collateral.

Remember: if some clauses of the agreement do not suit you, you have the right to demand that the bank change the wording or even remove this clause altogether.

Model and formal banking agreements does not happen - they are all compiled taking into account individual conditions and circumstances of the transaction.

Step 5. We receive funds and open a business

It remains only to receive funds to a current account or in cash and open your business on them. Or the company will transfer money to the account of the seller from whom you purchase equipment or special equipment under the contract factoring or leasing.

4. Where to get a loan to start a small business - an overview of the TOP-5 banks

The expert department of our journal monitored the credit market of the Russian Federation and compiled a list five most reliable banks.

Please note that in some of them it is more convenient to take a consumer loan without specifying the purposes or to issue credit card with a renewable limit. This option is suitable if you need a relatively a small amount within 300-750 thousand rubles .

1) Sberbank

- most famous bank Russian Federation, the leader of the country's credit market. Uses the services of this organization 70% of the population of Russia. It provides loans to individuals, legal entities.

Beginning entrepreneurs should pay attention to the loan program " Confidence”, which is ready to finance the needs of small and medium-sized businesses.

Business Development Loan Available to companies with annual revenue up to 60 million rubles . The rate under the program is 16.5% per annum. Maximum amount- 3 million rubles.

There are also other programs Top-up credit working capital », « Express bail», « Loan for the purchase of equipment and vehicles», « Leasing», « Business Asset», « Business Invest" and others.

- credit programs for individuals and business start-ups. Tinkoff calls itself the most convenient bank for doing business.

If you require a small amount for the current needs of the enterprise, order a Tinkoff Platinum credit card. Its renewable limit is 300 000 rubles and the base rate is 15%. The interest-free period of use lasts 55 days. The card will be issued and delivered to your office or home free of charge.

- loans to individuals, companies and start-up entrepreneurs. Pay attention to non-targeted loan without collateral for an amount up to 3 million rubles and base interest rate of 14.9% per annum.

There is special programs for existing and newly opened MB enterprises - " turnover"(replenishment of working capital)," Business Perspective», « Overdraft". Use the offers of VTB Bank depending on your goals.

4) Alfa-Bank

– credit programs for business and ordinary consumer loans up to 5 million

Pay attention to the unique product from Alpha - the Gemini card. This is a debit and credit card in one plastic. Revolving limit - 500 000 rubles . Grace period applies to cash withdrawals. The record grace period is 100 days.

5) Renaissance

– consumer loans for any needs up to 700 000 rub. Special conditions for bank customers and borrowers who have provided additional documents.

If you urgently need a small amount for the current needs of the MB, order a Renaissance credit card with a limit 200 thousand and a grace period of 55 days. Free issue and annual maintenance. The rate is 24.9% per year.

5. How to Increase Your Chances of Getting a Small Business Loan - 4 Helpful Tips

Want to increase the chances of a positive response from the bank - use our advice.

Read, memorize and put into practice!

Tip 1. Seek support from financial funds

If you do not have collateral, additional income and other clear signs of solvency, try using preferential credit programs And with the help of Centers for Entrepreneurship In your city.

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

A number of Russian banks cooperate with the Centers and are ready to provide loans to entrepreneurs at a lower rate and without any collateral. The costs are reimbursed to banks by the state.

A franchise is an additional guarantee of the success of the IB. Perfect option - buy a franchise in partner companies of the bank. Financial institutions cooperate with large brands that have an effective business model.

Tip 3. Provide collateral and issue a surety

Pledge and guarantee help to achieve the loan goal as quickly as possible. If there is a deposit interest rates are falling and loan amounts and terms - on the contrary, grow.

But it is worth soberly assessing your financial capabilities. If you fail to repay the loan, the collateral will be sold at a price of 40-50% of its real value. Yes, and guarantors let you down - your debts will be reflected in their credit history.

Tip 4. Use the services of financial brokers

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

6. Conclusion

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

Question for readers

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

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

A bit of theory

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

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

Minimum package of documents

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

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

Main package of documents

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

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

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

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

Registration

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

What is the result?

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

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