Many people want to open their own business, but not everyone has enough money for it. It's not simple enough. Also, after the opening, you should invest in the development of the business. Money is needed for renting real estate, transport, equipment, purchasing goods and raw materials, hiring staff, etc. And for each purpose, you can choose your own lending option. Let's consider whether and how to get an individual entrepreneur loan.

How to get a business loan

Individual entrepreneurs, i.e. individual entrepreneurs, can conduct business in order to generate income, however, they are just individuals with the corresponding rights and obligations. When applying for a loan for opening and developing a business, individuals can count on benefits and special programs, but banks very strictly check their solvency and often refuse to lend.

More chances are for those who can provide security, or for the owners of an already operating business (with six months of experience). And the constant demand stable income during the last months. Roughly speaking, it is almost impossible to get an IP loan if the activity is not profitable. In this case, a non-purpose loan should be considered.

A non-purpose loan has disadvantages: a short loan term and a small amount. In fact, it is possible to take a large amount, but for this, most likely, you will have to provide expensive and liquid property as collateral:

• Real estate;
• Transport;
• Securities;
• Equipment and special equipment.

If we are talking about a targeted loan for an individual entrepreneur, then the entrepreneur should be prepared for the analysis of financial and economic activities by the bank. So the lender can be sure of the profitability of the business. Therefore, a novice businessman will face difficulties in applying for a loan, because he actually does not have the opportunity to provide enough documents confirming the fact of investing money in a business.

Most banks require payment documents that can confirm the purchase of fixed assets - goods, raw materials, materials, equipment, etc., extracts from bank accounts, lease contract commercial real estate(if any), the presence of guarantors.

Important: the chances of a positive response from the bank increase significantly when providing collateral, since any business, especially a new one, is associated with risks, and banks do not like to risk their money.

The following factors will also play a big role: a positive credit history, the absence of bankruptcy status in the recent past, a complete package to confirm solvency - reflecting the regular business profit for Last year, primary documents, auditors' reports, other documents (confirmation of the ownership of expensive property).

The meaning is financial service in that a businessman gets the opportunity to receive after certain periods of time, subject to the repayment of current debt, for example, every 3 months. The advantage is that the overpayment will be less, because interest is calculated on the amount of the tranche, and not on the entire available loan amount.

The calculation here is that the entrepreneur receives from the bank exactly as much as he needs for a comfortable business. Making a profit, a businessman can short time successfully pay off debts and, accordingly, receive the next tranche without any problems.

There are special lending programs: for the purchase of transport, for business expansion, etc. In this case, the borrower is obliged to report to the bank on intended use borrowed funds, of course, providing the relevant documents.

Typically, the loan period does not exceed 5 years, and the loan amount is no more than 1 million rubles, although it all depends on the particular bank and program. The main problem here is that lenders refuse to issue such loans without collateral.

The highest probability of a positive response from the bank will be when applying for a consumer loan. In this case, the loan is non-purpose, i.e. the lender does not care how the borrower is going to use the money. But getting a big loan is hard.

A consumer loan is suitable when the full amount is not enough to start and develop a business. For example, the premises have already been rented, there is equipment, but there is no money to purchase goods. Then the entrepreneur will be able to easily issue a consumer loan and start doing business.

Required documents

Package required documents will be different for each loan option for individual entrepreneurs and each bank may have its own. Although there is a list of required documents:

• The passport;
• OGRNIP record sheet or OGRNIP certificate;
• Tax return for the last reporting period;
• Certificate of income from the place of work (if, as an individual entrepreneur, you continue to work for hire).

If you continue to work for hire and have the status of an individual entrepreneur, you have nothing to pledge, we recommend that you first try to get a loan as a regular individual. face, because banks are extremely reluctant to lend to individual entrepreneurs. It is a paradox, but in our country it is easier for an ordinary hard worker to get a loan than for an entrepreneur with his own business.

Despite the unfavorable economic situation, certain efforts are still being made in our country to support individual entrepreneurs, as evidenced by the lines of lending programs for Russian banks.

Of course, today the topic of simplifying the process of obtaining money for the development of small and medium-sized businesses is hotly discussed by members of the public, and something has already been done in this direction. At the same time, a significant part of experts in the field of lending states that if the conversation turns to an urgent loan from a banking institution, then it is more profitable to do this if an individual appears as a debtor.

Analysts also confidently say that loans for consumer purposes are processed faster compared to other programs, since less information is subjected to verification and analysis. Does this mean that it is not so difficult to get loans for individual entrepreneurs without a certificate of income at present? Partly yes.

The thing is that in most cases, entrepreneurs use a simplified taxation system, so banks spend relatively little time on analysis financial condition the above category of borrowers.

The documents

It should be noted that loans for individual entrepreneurs are issued only upon the provision of a certain list of documents. First of all, you need to fill out an application. It is also necessary to provide employees credit institution borrower's identity document. In addition, loans for individual entrepreneurs are issued subject to the provision of a certificate in which the an identification number taxpayer (it is issued by the Federal Tax Service). Be prepared for the fact that you will be required to provide a document that will indicate the size of your wages or income - in the latter case, a report is drawn up, which is certified by employees tax service. If we take into account the statistical information, Gazprombank is in the first place in terms of loyalty to potential borrowers, although its interest rates cannot be called low.

The bank must have guarantees

Of course, the bank must have certain guarantees in case of non-repayment of the debt, therefore, in some cases, it requires additional execution of a guarantee agreement or a pledge agreement.

At the same time, loans for individual entrepreneurs up to 300 thousand rubles are issued without the use of interim measures. If we are talking about larger amounts of the loan, then only a solvent person is considered as a guarantor, who, in the event of a violation of the loan obligation by the borrower, will have to compensate the debts. Moreover, it will be necessary to provide documents confirming the financial solvency of the guarantor.

Of course, competition in the field advantageous offers lending programs is high, so financial institutions periodically soften the requirements for borrowers. For example, those who wish can apply for a loan for an individual entrepreneur at Sberbank in the amount of up to three million rubles for a period of 3 months to 3 years with a minimum interest rate of 15.62. The program is called "Business Trust". At the same time, it does not provide for material support, and the owner of the business acts as a guarantor directly.

Express lending

Currently, many borrowers choose short-term loans for IP. Such programs make it possible to quickly resolve current issues that a novice businessman often encounters.

The decision to issue a short-term loan, as a rule, is made quickly - within 3 days.

Overdraft

A convenient option for obtaining funds for the development of your own business is such a type of lending as an overdraft. It is beneficial in that there is no strict debt repayment schedule, and loan payments are made as funds are received on the borrower's current account. You can get such a loan for an individual entrepreneur in Sberbank. At the same time, the maximum amount of payment will be 40% of the average monthly income received on the settlement and foreign currency accounts of the debtor for the last quarter.

The main options for loan programs

To date, there are several programs that provide an opportunity for a businessman to borrow money from a bank: universal loans, loans for current activities, investment loans, commercial mortgages, leasing and factoring.

In addition to the above loan methods, consider the most popular types of loans at the present time.

Universal Credit

Do not know what is the best way to get a loan for the development of IP? Use the universal program. Its advantage is that it does not provide for any special conditions. And financial resources, received under a universal loan, can be spent solely at your own discretion. Perhaps, best loan For business IP - this is just such an option. With it, you can both replenish working capital and purchase fixed assets. In particular, VTB24 Bank offers to use the Kommersant program. By choosing it, you will receive a maximum of 1 million rubles for a period of six months to 5 years. The interest rate depends on the period during which you repay the debt: up to 1 year - 21%, up to 2 years - 25%, up to 5 years - 29% per annum. This program is beneficial in that the borrower does not pay commissions for obtaining a loan.

You can use the offer of Alfa-Bank. You can use the received money as a replenishment working capital and investment projects. The minimum threshold is 3 million rubles, the maximum is 50 million rubles. Money is borrowed for a period of six months to 3 years.

Attention should be paid to the universal program developed by Uralsib Bank. Its significant advantage is the fact that the borrower is provided with sufficiently long terms grace periods- the principal amount of the debt can be repaid with a delay of a whole year.

Loans for current activities

If a businessman needs to replenish working capital or buy equipment, machinery or vehicles, as well as modernize production, then loans for current activities are specially provided for these purposes. To apply for a loan under the above program, security measures, including a guarantee, are required. Moreover, in order to issue such a loan to an individual entrepreneur, the bank may require the pledging of not only equipment, but also goods in circulation or purchased.

However, at present, unsecured loans against proceeds are also common, the amount of which is fixed on the organization's current account. In particular, you can borrow money against cash proceeds at Uniastrum Bank. The amount of borrowed funds varies from 50 to 70 percent of the average monthly cash income.

UralSib Bank offers to replenish working capital with credit money in the amount of three hundred thousand to ten million rubles. The maximum repayment period is 1 year.

You should pay attention to the offer of "Absolut Bank". The lending program he developed takes into account the scale of the enterprise's turnover. It depends on this limit, interest rate and period of repayment of the debt. In particular, the Support program provides for a loan from three hundred to nine hundred thousand rubles. At the same time, the maximum debt repayment period is one year if the loan was used to replenish working capital, and two years if the money was spent on the purchase of fixed assets.

Conclusion

Such a procedure as obtaining an individual entrepreneur loan, today should be not only simple, but also beneficial for representatives of small and medium-sized businesses.

A businessman, choosing between one or another lending program, should initially think about what is of paramount importance for him: as soon as possible, but on onerous terms, to receive money or to competently build long-term partnerships with the bank. If he chooses the latter, then the quality of cooperation will be impeccable, and, consequently, the loan will be provided on favorable terms.

Not all "newly minted" entrepreneurs open their own business without attracting loan funds. Banks, in turn, are constantly implementing such loan products and issue loans to individual entrepreneurs for business development in Moscow, in particular for the purchase of equipment, the purchase of goods and,. Consider the terms of the loan.

On what conditions are loans issued for individual entrepreneurs for business in Moscow?

First of all, a company applying for a loan must be a resident of the Russian Federation and operate in the region where the bank is registered. Another requirement put forward by almost all Moscow banks is to secure a loan with collateral. To open or maintain an existing business, you can get a loan secured by:

• apartments;
• houses or cottages;
• land plot;
• transport (including special equipment);
• office, retail and warehouse premises;
• commercial real estate.

If you need it in Moscow from scratch, then banks are also ready to consider this option and issue a loan for the purchase of commercial real estate, including under construction. Such a loan is designed for 5-10 years. You can apply for such a loan without certificates of confirmation of solvency, as well as without collateral and guarantors at a rate of 12% or more at Sberbank of Russia. The purchased property will serve as collateral for the loan.

A loan for an individual entrepreneur to open a business is issued only in Russian rubles by crediting the account. A cash loan can be obtained if the bank makes such a decision after considering the application.

Successful development of individual entrepreneurship is possible if sufficient funds are available. Not all businessmen have such a financial airbag. What could be easier than borrowing money for your own business? However, this issue requires careful study, as this moment There are different types of small business loans.

Personal cash loan

It is very problematic for entrepreneurs to get loans with real money, but this method is in demand for financing their own business. Not everyone can take a cash loan for an individual entrepreneur, because banking organizations put specific conditions compliance with which significantly increases the possibility of obtaining a loan for small entrepreneurs. Borrowers with a bad history run the risk of not getting a long-awaited loan.

It would probably be superfluous to say that an entrepreneur must have a registration certificate, but the fact that the object must be registered with the tax authorities and regularly pay all contributions is an extremely important factor. The period of doing business should be more than six months, and the age of the entrepreneur himself should be from 21 to 60 years. The maximum that an individual entrepreneur is entitled to count on is half a million rubles, if security is not provided, but if there is something to offer the bank from collateral, then the amount can increase significantly.

You can apply for money at:

• Alfa Bank;
• Raiffeisenbank;
• Sberbank;
• Sovcombank;
• OPT Bank, etc.

Loan for individual entrepreneurs without collateral and guarantor

Banks offer loan programs that are suitable for different purposes, and loan amounts may vary. If you need a loan for an individual entrepreneur without collateral and a guarantor, then you don’t have to rely on large numbers, since banking institutions must be sure that the businessman will return the money on time and in full. Maximum Credit small business, which can be counted on under such conditions, will be equal to 100-150 thousand rubles.

An entrepreneur must understand that the bank will be more willing to issue loans to individual entrepreneurs to those entities that need money for business development, and not for paying off wage arrears. Before you borrow money, you should think carefully about the purpose of the loan. Among banking institutions, who will lend money for small business loans without requiring any commitment can be distinguished:

• Sberbank;
• VTB 24;
• UBRR.

Sole proprietorship loans

Banking organizations they are happy to issue loans to individual entrepreneurs on security, because in this way they get confidence that the loan will be repaid. In case of non-payment of borrowed funds, they will be able to realize mortgaged property in order to obtain Money. Collateral can be both movable and various real estate, bank accounts, etc. It is worth knowing what these loan offers are provided at a lower interest rate than unsecured loans.

The amounts of products provided may vary and depend on the value of the collateral. The better, for example, an apartment (elite location, area, developed infrastructure of the area, etc.) provided as security, the larger the loan will be. It is important to understand that the client will not receive 100% of the market value of the collateral. You need to be prepared that the bank will offer about 60%, although the figure itself can vary significantly.

Consumer loan for individual entrepreneurs

Since a private entrepreneur is an individual, there are no barriers to obtaining a consumer loan for an individual entrepreneur. The application can be addressed to any bank and receive a certain amount depending on the level of income, the collateral or guarantee provided. Interest rates may vary depending on the bank, the amount requested and the term of the loan.

A similar request can also be made to micro-organizations that issue express loans without collateral or guarantee. However, it should be borne in mind that you will have to sacrifice significant amounts to repay the loan, because financial institutions set a high interest rate: as insurance in case of loan default and cover their own risks.

Loan for opening a sole proprietorship

Bankers see no barriers not to lend to a start-up small entrepreneur when he creates his own enterprise or other business. Minus - credit institutions take a big risk, because only the businessman's own ideas will be at his disposal. As a safety net, a financial institution will offer a beginner IP a small amount to implement their ideas.

The main document that a businessman will need to create a business from scratch and get a loan to open an IP is a business plan, and the more competently it is written, the more likely it is to receive financial injections into your own startup. A loan to a start-up entrepreneur largely depends on this document, since it sets out all the estimated income and expenses.

Money for the promotion of your own project can be obtained not only in banks. The state comprehensively supports the undertakings of small and medium-sized businesses. To get started, you can contact the employment center and present a business plan with your ideas. It is important that you can count on an amount equal to 58,800 rubles. With the development of agricultural business, it is worth contacting the Ministry of Agriculture of the Russian Federation for a soft loan. Implement own business can be applied to the Bank for Small and Medium Enterprises under the program state support.

How to get a business loan

Not everyone is ready to give money at interest to a novice entrepreneur so that he can open and run his own business. For some businessmen who have been cooperating with banks for more than a year, it is easier to solve such a problem, since they have a trusting relationship, and banks may offer them to issue an overdraft. If an entrepreneur has been cooperating with an institution for more than a year, then such an opportunity can become a real lifesaver.

How to get a business loan if you need money to buy equipment or vehicles? Do not forget that all this can be purchased on lease. This method can be beneficial in that it does not take much time to process documents, and the overpayment will be minimal, if not zero. In addition to all that has been said, one should not forget about the assistance, benefits and benefits provided by the state through SME Bank.

Documents for an IP loan

Just at the request of a person, a loan can be issued only for consumer needs, and even then, at least a passport is required for this. What documents are needed for an individual entrepreneur loan can be seen in the list below. It should be borne in mind that each creditor has the right to require additional certificates or papers (declarations, statutory documents, etc.), so it is important to be prepared for such a turn of events. As a rule, of the main documents that will have to be submitted to the bank, there will be the following:

• the passport;
• A completed application form;
• IP registration certificate;
• business plan (for startups);

Loan for individual entrepreneurs in Sberbank

What does it offer largest bank country? On the site you can familiarize yourself with the conditions that apply in order to get a loan for an individual entrepreneur in Sberbank. The most simple to obtain are the following:

Loan for individual entrepreneurs in VTB 24

You can choose a loan for individual entrepreneurs in VTB 24:

Loan for individual entrepreneurs in Rosselkhozbank

Depending on the terms and conditions of the loan, the loan rate for individual entrepreneurs in the Russian Agricultural Bank will directly depend. Recently, the bank managed to open several products for specific purposes:

• for the purchase of equipment and machinery;
• for the purchase of commercial real estate;
• for the purchase of land plots;
• for the purchase of farm animals (young animals);
• for investment purposes;
• commercial mortgage (mortgage loan).

Among the new products, it is worth highlighting the Investment Standard product with the following conditions:

• the maximum provided is 6,000,000 rubles;
• the term for providing funds is up to 8 years;
• special conditions - an individual loan repayment schedule, the possibility of a delay of up to one and a half years.

Loan for individual entrepreneurs in Alfa Bank

Getting a loan for an individual entrepreneur at Alfa Bank is easy. There are 2 offers for small entrepreneurs, and no deposit is required:

Loan for individual entrepreneurs in Sovcombank

With a minimum package of documents, you can get a loan for an individual entrepreneur at Sovcombank, and management reporting is not required. The main advantages - the decision will be made within 1-3 days, and a car or real estate can serve as collateral - these parameters will affect the percentage and amount of the loan. Here is what the bank has to offer today:

Loan for individual entrepreneurs in Post Bank

As for Post Bank, there are no separate bank loans for entrepreneurs. Take without secured loan for individual entrepreneurs at Post Bank, it is possible on the terms of a simple consumer loan:

Loan for individual entrepreneurs at Otkritie Bank

For a period of up to 3 years, you can get a loan for an individual entrepreneur at Otkritie Bank. The interest rate is not fixed and is calculated depending on the volume of cooperation (service), it is flexible. Money is given to:

• investment decisions;
• contract financing;
• overdraft;
• replenishment of working capital;
• refinancing;
• express financing.

To conduct IP accounting online, use.

Video: loans for individual entrepreneurs

The main problem that arises when applying for a consumer loan for an individual entrepreneur (IP) is that it is often difficult for him to prove his solvency to the bank. While a hired worker can easily prove his income with certificates of employment, an enterprising private trader is almost always deprived of such an opportunity.

When the client is in doubt

To confirm their income, a businessman can use only managerial and financial statements associated with its business activities. But these documents rarely reflect the true state of affairs, since they serve only as an indication of the minimum legal limit on taxable income.

Their actual level is deliberately underestimated in order to also reduce the amount that the entrepreneur must part with when paying taxes.

Therefore, the bank can almost never determine how much an individual entrepreneur actually earns. This gives rise to understandable skepticism when considering such a borrower as a potential client of the bank.

Why is it dangerous to hide occupation?

A natural question arises: why not use the usual program to obtain a loan, hiding your IP status from creditors?

Sometimes it is really simple and convenient - for example, in order to purchase on borrowed funds furniture or household appliances.

In this case, the borrower is not controlled too much, and the chances of obtaining a loan in this way are quite high. If it's a big cash loan, then it is hardly possible to hide the nature of their activity.

After all, every client of a bank who has requested an amount of at least 50 thousand rubles is, as a rule, checked by the banking security service, which quickly finds out the truth.

And then the borrower, who withheld information from the lender, most likely will not be able to get a loan not only in this bank, but anywhere else.

Loan to frontman is a risky game

Another fairly common way for IP to deceive a bank is issuance of a loan to a front person. As a rule, he is a friend or relative of a businessman who is employed and, as a result, has a source of income that is “transparent” for the creditor.

The danger lies in the fact that in the process of obtaining and repaying a loan, a figurehead has a lot of opportunities for fraud, blackmail and other actions that can cause serious damage to the borrower. After all, friendly and even family relations are subjected to a severe test of strength when self-interest interferes with them.

Loans without income statements: pros and cons

There are loans for registration of which it is not required to indicate sources of income at all. We are talking about loans offered by shopping centers, credit cards, express loans, etc.

In order to issue any of these loans, two documents are usually sufficient: a civil passport and some kind of certificate of your choice (for example, a driver's license).

The advantage of such loans is that they are easy and quick receipt money. Serious disadvantages are small amounts and high interest due to high risks for creditors. Therefore, such loans are often too disadvantageous for the borrower.

What to do if banks do not trust?

There are a number of ways that allow individual entrepreneurs to lull the suspicion of overly cautious creditors without any deceit and omissions. Here are just a few of the most commonly used:

• applying to the bank that carries out the movement of funds of the individual entrepreneur associated with his business;
• timely payment of the necessary documents and, as a result, the absence of a file cabinet of unpaid documentation (K-2);
• providing creditors with the maximum amount of accounting and other documentation;
• timely repayment of previous loans to create a positive credit history.

Consumer loan for individual entrepreneurs: the main methods of registration

Obviously, in a number of cases, it is preferable for a businessman who wants to get a loan to use one of the special credit programs.

This is about various ways apply for a consumer loan for individual entrepreneurs for such necessary needs as:

• acquisition of equipment, as well as technical and transport vehicles;
• modernization in order to expand the range;
• diversifying risks and increasing profitability by developing a new line of business.

Since the degree of risk is high, loan products for individual entrepreneurs are on average more expensive than loans for individuals.

What is required to participate in the loan program?

To apply for a consumer loan for an individual entrepreneur using a loan program, an entrepreneur it is required to present to the bank a full package of documents on registration of the company and extended reporting data.

It will be difficult for a novice businessman to get money from the bank until his financial statements become positive.

The main requirements for participants in the loan program for most banks are as follows:

1. duration of entrepreneurial activity is not less than a year;
2. availability of profit;
3. liquid pledge;
4. good credit history.

As a rule, for a loan to start a business, which is usually issued for three years to participants in municipal and government programs support for entrepreneurs (less often - by banks), from the borrower a detailed business plan is required.

In a development loan, the borrower is required to use the funds for specific purposes specified in the loan agreement.

What do banks offer?

The consumer loan for individual entrepreneurs offered in 2016 by various banks, with most similar parameters, differs significantly in details. Each bank has its own questionnaire, which the client fills out when receiving a loan.

To apply for a loan, it is usually necessary, at a minimum, for the client to have the following documents:

• passports;
• TIN certificates (for individuals);
• registration certificate (for individual entrepreneurs);

Credit programs of Russian banks

Consumer loan at Sberbank: basic conditions

Sberbank can provide loans to individual entrepreneurs under a program for individuals. Used as collateral vehicle, in this case the rate is 27%, the maturity is 5 years. At the same time, the attitude towards credit history is quite loyal.

The main barrier to getting a loan- the car is too old, and this value is not the same for different brands.

There are also loans secured by guarantee (19.5-24%), issued for 5 years, and loans for 7 years secured by real estate (15%). The loan “Trust”, specially designed for developing business, must be repaid over 3 years, the rate fluctuates in the range from 19 to 23%.

Consumer loan for individual entrepreneurs: requirements of Ak Bars bank

The Sprint program offered by the bank is designed for 3 years and exists for providing loans to individuals under surety and collateral. The loan is issued in rubles, there is no commission. The rate is 26.5-31%.

The “Successful” loan and the “Development” secured loan (both for up to 5 years) are intended for entrepreneurs. The rate is from 14.9 to 22%. The deposit must be insured.

Consumer loan OTP Bank: conditions for obtaining

Express loan (from 35.9%) for a period of 1 year is available to individuals.

The loan to "Business People" is intended for entrepreneurs who do not form a legal entity, it is given for a period of up to 3 years at 29.9 - 37.9%.

Bank loans UralSib

Consumer credit for individual entrepreneurs is issued under the credit programs "Entrepreneur" and "Business Trust".

To obtain the first one, registration, guarantee and pledge are not required. FROM loan repayment period - 5 years, rates - 22-25%.

The second requires a guarantee, maturity - 3 years, rate - 20.4-22.4%.

VTB 24 bank loans

The Kommersant program offered by the bank is the opportunity to obtain a consumer loan for individual entrepreneurs for up to 5 years at 21.5-31%

Sole Proprietor or Individual?

So what kind of credit programs is still better for a businessman to deal with? Each situation creates its own preferences.

Take out a loan in general to an individual much easier than sole proprietorship, if it does not require intentional concealment of the source of income. Otherwise, special loan programs for entrepreneurs seem to be a much safer option.

About the features of obtaining a consumer loan individual entrepreneur and the main types of loan programs for individual entrepreneurs, you can find out in this video: