Lending programs for small and medium-sized businesses now exist in almost every major bank. For individual entrepreneurs and legal entities, not just money is offered, but targeted programs developed taking into account the needs of business owners and the characteristics of the field of activity.

What loans can be obtained for opening and developing a business in Moscow

Small and medium-sized businesses are offered several targeted programs:

• loan for current expenses: money is provided for any purpose;
• , to implement expense transactions and an increase in inventory;
• for the purchase commercial real estate and land;

Loan programs differ in the form of receipt. Many banks have express lending, which allows you to urgently receive funds without guarantors and with a minimum package of documents.

A target loan can be issued by both novice businessmen and owners of long-standing enterprises. Especially for start-ups, banks offer loans to small businesses from scratch. As part of this program, you can buy a franchise, a ready-made enterprise, and also receive funding for the development of a business developed according to your own business plan.

Small business loans - conditions and requirements

Conditions vary depending on the bank and the purpose of the loan. Lenders consider applications from owners of enterprises with annual revenues of up to 400 million rubles. Special requirements are put forward in relation to the duration of the company. The business should not be less than 3 months old (in some banks - at least 6-12 months).

Conditions depend on credit program:

• rates from 11% per annum;
• a business loan from scratch in Moscow can only be obtained with a guarantor or on bail;
• term - up to 5 years;
• when purchasing commercial real estate, vehicles and equipment, an initial payment is required.

To get a loan to buy a business in Moscow, you will need to collect an extensive package of papers:

• personal documents of the business owner (passport, TIN);
• reports on financial activities enterprises;
• founding documents.

If a loan is issued to open a business, then the borrower must provide a business plan and documents on registration of an individual entrepreneur or LLC. When choosing a loan program, one should proceed from the goals, requirements of banks and their capabilities. Credit calculator help you quickly calculate monthly payment, percentage and amount of overpayment.

To support your own business, you can use third-party funds provided by financial institutions. Credit institutions offer a wide range of economic means that you can use under certain conditions and start your own business.

Business loan from scratch. Types of loans

Sometimes you need to get started a small amount. Then you can get a personal loan. The bank will not be interested in what purpose it is spent. A novice entrepreneur can use it to start a business. But you need to remember that the amount of consumer credit can be insignificant. The credit institution, considering the application, will be guided by the amount of permanent income. Therefore, if the business is small, this type of loan can be used. Loans aimed only at business development are developed by banks independently. Here are some of them.

Target investment loan.

The business may involve a new project, an expansion of a production line, or a technological innovation. The Bank can finance development in the field of scientific discoveries. Exist special programs directly created for this type of funding.

The loan can be in the form of a lump sum payment, or divided into installments over the course of, for example, a year. The factors are different and depend on the specific institution. Some give out funds only when the entrepreneur invests some part of his personal money. At long term Loans sometimes require collateral.

Getting a loan from a microfinance organization.

Currently, you can lend to companies that do not have the status of credit institutions. Small organizations issue amounts with lower requirements for a package of documents. The disadvantage of such a loan will be too high interest. This can negatively affect the development of a start-up business.

Leasing for business

This type of loan is essentially like renting a car. Only then, after the end of the contract, the car will be owned by the lessee. That is, a company that issues a loan only for the purchase of transport remains the owner of the subject of the loan agreement until the lease is repaid. The borrower transfers ownership of the car only if the lease is repaid.

Factoring.

The loan is characterized by the receipt Money by the borrower until the sale of the goods. The factor (bank) transfers to the borrower a certain part of the funds for a third party. The borrower acts as a seller in relation to a third party. After that, the bank has the right to present claims to the buyer under the transaction. This type of loan is rare.

Private investment

Such loans are financed by individuals who later want to own part of the assets of the business for which the loan is issued. The loan is used to develop high technologies, new developments in production.

One of the leaders in private investment is the service from Alfa-Bank - ALFA.POTOK, reviews of which can be found in large numbers on the Internet. The peculiarity of the service is that the loan is approved in the shortest possible time, even if you are not a bank client.

For which borrowers will Alfa.Potok be most useful?

First of all, it is worth contacting those entrepreneurs who need to close the cash gap or take money for a short period of time (for example, to participate in public procurement auctions under 44 or 223 FZ), in order to deposit the required amount on the public procurement platform or purchase goods, make a delivery and wait transfer from the customer to your current account.

Marginality in such operations usually ranges from 10% to 50%, while for using a loan you will spend from 500 to 5,000 rubles, and earn from 100,000 to 1,000,000, depending on the amount of the contract.

If you are just starting a business, then this solution will not suit you and the project specialists will not approve you as a borrower. The minimum requirements are an already existing stable business.

Financing from the budget

Commonly used government organizations to finance scientific developments or business directions that the state wants to support. Budget institutions act as guarantors and thus support the business. The state, in turn, if there are problematic moments for the return, guarantees its partial repayment.

Mortgage lending for non-residential real estate

With this type of loan, the bank can provide financial resources for obtaining real estate used in business activities. The terms of issuance, as a rule, are the same as in residential mortgages.

Factors affecting the issuance of a loan for an individual entrepreneur / LLC

For a positive result, certain conditions must be met. A businessman must evoke a positive attitude of employees credit institution. The borrower must have certain documents confirming serious business intentions. No less important appearance. Scoring programs for assessing creditworthiness involve obtaining certain points. The higher their number, the greater the likelihood of a positive decision.

Credit rating

The more written evidence of solvency on the loan, the better. Documents confirming income can be a certificate 2-NDFL, tax returns, which reflects the income received for a certain period of time. Any documents that could reliably confirm cash income are suitable. In addition to income, the bank considers the amount of expenses. It is desirable not to have significant items of expenditure. So the chances of getting the desired loan will be greater.

Business plan and documentary proof of business ideas

You can confirm your future activities with a written project for business. A clear plan for its development. In a personal conversation with a bank manager, you can talk about upcoming prospects, but it will be better if the ideas are in writing. A project outlining specific directions for the development of entrepreneurship will add an extra plus to a positive decision.

Appearance

You need to be not only neat and polite with the employee accepting the application. A calm, confident look without a shadow of doubt in one's own abilities will only positively affect the result. The state of alcoholic and drug intoxication is excluded.

Express assessment of certain factors on the possibility of repayment of the loan

Some banks have developed their own programs for the possibility of prompt analysis of the client's solvency. A large set of positive assessments in the survey is a priority. What points are of interest to credit organizations:

1. Family status.
2. official work experience.
3. Career growth and position.
4. What will the loan be used for?
5. History of received and paid loans.
6. Having minor dependents.
7. Received education.

The more reliable the ability to return the borrowed funds is confirmed, the more chances there will be for success.

How to get a loan to start a small business from scratch. Step-by-step instruction

There are certain difficulties with financing the activities of the company. There are certain points that delimit the possibilities of obtaining from the status of a borrower.

3.1 Business loan for sole proprietors and LLCs. What is the difference

1. The conditions for issuing a loan to a company and an individual entrepreneur may differ due to the different legal nature of borrowers. Basic moments:
2. A legal organization can pledge property that belongs to the organization.
3. An entrepreneur can pledge his personal property.
4. A legal organization is liable for debts only with its property.

In case of non-return, bailiff a penalty will be imposed even on the property that is not used in business.

3.1.1 What documents are needed to open a business

Before starting a business, you need to pass state registration(). This function is performed tax authority. Before submitting documents, you need to decide what status you will have while doing your own business.

There are 2 options to choose from - register as a legal entity or become a private entrepreneur. Depending on the status, the package of documents is different.

To register an LLC, the package of documents includes an application for registration, a decision of the founder or a protocol if there are several participants, the charter of the organization and a document on state duty. For an entrepreneur, you only need an application in a certain form, a copy of your passport and a receipt for state duty.

Which banks issue loans for small businesses from scratch

Many financial institutions are actively engaged in lending. The main ones are:

A loan to start a business from scratch in Sberbank

Previously, there was a Business Start program, but in 2016 it was canceled.

On the this moment relevant type of credit "Trust".

Interest from 16.5-18.5%. Term up to 3 years. You can receive an amount up to 3,000,000 rubles.

It is possible to use the "Business Turnover" tool.

Provided to increase the assets of the organization - working capital. Up to 48 months interest rate 11.8 per annum. The amount that can be approved is from 150,000 rubles.

Loan for starting a business from scratch in Rosselkhozbank

There are a number of programs, including individual applications. Mainly financed investment projects and targeted loans. This should be a loan for the purchase of agricultural machinery, animals for breeding.

It is obligatory to have an open bank account and pass state registration. The return period is from 5 to 15 years. Rates are selected individually.

Loan for starting a business VTB24

The Bank has developed the Kommersant program.

There are three varieties, the conditions for which are characteristic the minimum rate, quick receipt and providing a loan at reduced requirements for the package required documents. If you take out a secured loan, the interest rate will be minimal.

Long term return and the ability to pledge any property. 4.4 Favorable conditions for business lending in other banks. Which banks provide soft loans for business

In the case of minimal opportunities for obtaining a loan due to lack of collateral, lack of 2-NDFL certificates, guarantors, you can contact the bank, less stringent conditions are imposed. In such banks, interest rates are higher, but the speed of approval of the application and the issuance of funds is very high.

Trust bank

The main direction of the bank is lending to small and medium-sized businesses. the minimum period for consideration of the application.

Alfa Bank

Acceptable rate from 11.9%. quick decision - on the day of application, credit limit up to 3,000,000 rubles, which is enough for most entrepreneurs.

Also, this solution is ideal for refinancing a loan in another bank.

Raiffeisenbank

High interest rate, but you can get an express loan.

Loan from VTB Bank of Moscow

Bank loan for entrepreneurs Tochka (apply online)

Loan amount up to 1 million ₽

For up to 5 years

With an interest rate of 12%

Same day decision

Where to refinance a business

If circumstances arise that prevent the repayment of the loan, the loan can be refinanced.

That is, apply to another bank for financing the outstanding debt. Not all credit institutions issue loans to repay a loan. The main banks providing this kind of service: Otkritie Bank, Sberbank, VTB24, Rosselkhozbank, Alfa Bank.

How to increase your chances of getting loans to start a business

There are several possibilities for obtaining a successful result on the issue of lending to a business in a bank.

1. You can buy the right to sell a product or provide a service that belongs to a particular brand. A franchise is a real tool that increases the chances of obtaining a loan.
2. It is advisable to find guarantors. These can be persons, regardless of status: organizations, individual entrepreneurs, just individuals. Solvent guarantors, who assume the obligation to repay in the event of a loan default, will significantly increase the chances.
3. It is necessary to confirm your skills and experience, which will be applied in future entrepreneurial activities. If the business is directed to the provision of services for the production or repair of shoes without the appropriate qualifications, then the bank will most likely refuse to issue a loan.
4. You can contact a mortgage broker for help. Receipt detailed information will open up new opportunities for business financing.
5. Under no circumstances should false or false documents be submitted to the bank. Each credit institution has a department dealing with its own security. Unit employees through various organizations and government agencies in without fail check the received data.
6. You can contact specialized centers that support small businesses. Such centers through state support can take on some of the responsibility. In addition, the organization can offer a number of credit institutions that are ready to lend to businesses for more favorable conditions.

Business loan without guarantors

Some banks work with clients on more favorable terms. Many of them do not require the involvement of third parties who could vouch for the borrower to ensure loan repayments. List of credit institutions:

Name	Return period	Interest rate, % per annum	Limit amount, rub.
Rusfinancebank	6-36 months	26.54 to 38.42	300 000
Post Bank	Up to 60 months	From 12.9	1 000 000
Tinkoff	Up to 36 months	From 14.9	1 000 000
Sberbank	Up to 24 months	13,9	100 000
SKB-Bank	3 years	29,5	180 000
Promsvyazbank	12 to 60 months	12,9	1 500 000

Loan for business without collateral and guarantors

Not all entrepreneurs can provide property to secure loan obligations. Many financial institutions lend to start-up businesses without collateral. Here are some of them:

Loan for business secured by real estate, car (list of banks)

Banks are often reluctant to lend without collateral. Required to confirm real estate or by car. But interest and conditions are softer than without security. This can be seen in the example of banks issuing on the security of real estate:

Vehicle secured loan:

How to get a loan to start a business for start-up entrepreneurs: step by step instructions

So, in order to get a business loan from scratch, you need to perform a number of actions.

1. It is necessary to determine on what the most favorable terms for a business it is possible to obtain a loan. Are there guarantors willing to provide monetary obligation. For detailed advice, you can contact a credit broker.
2. You need to choose a bank that could provide the most Better conditions to finance a start-up business.
3. A detailed business plan needs to be developed.
4. Contact the bank for advice and a list of documents that must be provided.
5. Collect as complete a package of documents as possible, fill out a questionnaire and submit it to the bank for consideration.
6. Who provides assistance in obtaining a loan for business development

It happens that the abundance of information is confusing and does not give a clear answer to the questions that have arisen regarding the loan. In such cases, it is necessary to contact special financial centers.

A loan broker will advise you in detail on the issues that have arisen and will provide real assistance. At its core, a person engaged in participation in lending is a link between those who need money and the bank.

A credit institution would like the money to generate income. Therefore, intermediary activity is beneficial for both the bank and the future entrepreneur. The obstacles that have arisen with the help of a credit broker will be overcome in a very short time. Mediation services can solve problems and bring business ideas to life.

Get a loan quickly without collateral and guarantors online

These options are suitable for you if you urgently need money for your business, but there is no time to get large loans.

With a lack of funds to develop your business, the first thing that comes to mind is to take a loan for a business. Experts believe that these are expenses with growing value and they are justified. But, it must be taken into account that loan payments should not exceed 40% of your income. Thanks to this article, you will understand how to get a loan for a business and what you need for this, detailed instructions will tell you about all the nuances associated with lending and give valuable advice.

Bank loan is requested by the borrower sum of money which the bank provides for a limited period, for specific conditions, for specific purposes with the payment of a percentage for the use of the resource.

Choose lending programs according to your needs. The interest rates for secured loans are lower than for unsecured loans.

1. Think about the correctness of the decision and cock your forces
Initially, you need to finally decide whether you need a loan, make sure that it will not be a burden on your family budget in the future.

One of the criteria for a bank to make a positive decision on a loan is your wage. Your monthly payment should not exceed 45-50% of your salary. But, think about whether you can afford such an amount? This purchase is really worth giving away half of the income. After all, if the purchase is not so expensive, then it is better to accumulate the amount you need.

If you still decide to take a loan, then it is recommended to pay no more than 30% for its payment.
2. Apply to several banks

It is necessary to apply for several banks at once. This will help you:
1) Increase your chances of getting a loan.
2) Choose the most favorable credit conditions.

3. Filter information
At the moment when the questionnaire is being filled out, you should give the impression of a solvent person, talk with a loan officer. For leading questions, let me know maximum income without specifying costs. Try to behave as confidently as possible, avoid mistakes in the questionnaire, read everything very carefully.
Remember, before sending all the documents to the security service to check your data, a bank employee assesses the client and draws up a brief description of him.

4. Stay Connected
After you have filled out the questionnaire and indicated all phone numbers. Keep in mind, the security service will check and ring phones.
If within some time the bank employees cannot contact you, most likely you will receive a refusal.

5. Card for payment is more convenient
If you want to purchase goods that can be paid by bank transfer, then it would be best to issue a credit card and use it to make purchases. According to statistics, credit cards are more profitable because:
1) Any credit card eat " Grace period» Each bank has its own conditions. Usually interest-free use of the loan goes up to 60 days
2) Continuous use throughout the entire validity period of the card, paid - use.

6. Ready to repay quickly?
It is advisable to take a loan for up to two years in foreign currency (dollars, euros), their interest rate is much lower.

7. Save on interest
Try to collect all the certificates that the bank asks for. If you take a loan from a bank that does not require a certificate of income, then you need to immediately expect a higher interest rate, unless you are a regular customer of this bank.

Another point, the larger the down payment, the lower the interest on the loan.

Consumer loan for individual entrepreneurs

According to the existing rules, such a loan is provided to individuals. In some situations, it is beneficial for an individual entrepreneur to take a consumer loan for individual and use it for business expenses.
This type of lending is issued by banks in short term and with a small package of documents. Its disadvantage is a limited amount of not more than 700 thousand rubles.

Loan to increase working capital

In this case, it is recommended that an individual entrepreneur take a loan when opening a new store or branch, for the purchase of raw materials and goods, expanding the list of products.
It can be used when there is a shortage of funds in the current account.

commercial mortgage

This type of borrowing allows you to take a loan to open a business to purchase warehouses, offices, provided that it is pledged to a bank.
It is also used by small business clients to buy out leased space.

Auto loan for IP

In this case, money can be taken on credit for the purchase of commercial or freight vehicles, special equipment, including agricultural.
For this type of lending, additional collateral is not required - it becomes the purchased vehicle.

Project finance

This small business loan is suitable for entrepreneurs to purchase expensive equipment in order to expand production.
The purpose of project financing is to raise funds for the implementation of the project. Cash flow, received from the implementation of the project, serves as the basis for the return of the debt.
An investment project as a loan for business development is limited in time, budget, resources, and clear conditions developed for the needs of the customer.

Franchise lending

Under this program, you can take a business loan to purchase a franchise in the amount of 80% of its value. The list of franchises is offered by the bank.
You can take a loan in cash or transfer to a card and current account. Choose a convenient form of receipt, based on the estimated costs.

To take profitable loan, it is necessary to monitor all the banks of the city. The choice will take a lot of time, but you will find the most suitable option. There are services on the Internet where you can simultaneously compare banks and choose for yourself under what conditions you can take a loan

1. World percent.ru
2. Banki.ru

Necessary conditions for obtaining a loan

1. profitable activity for at least three months;
2. positive credit history;
3. pledge in the form of goods or property;
4. presence of guarantors.

With the development of your business, there is a need to purchase office equipment, stationery, visual aids, building materials for repair. In this case, it is irrational to take a loan for a business. For example, it would not be very reasonable to take a computer on credit to an entrepreneur or company, since these are cheaper expenses.

How to get a loan without refusal

Each bank sets its own requirements for borrowers. If you do not fit into the conditions for taking a loan from one bank, look at the conditions of another.

To decide for yourself how best to take a loan, read the bank's requirements for the borrower and assess your situation:

1. citizenship of the Russian Federation;
2. individual entrepreneur or legal entity;
3. permanent or temporary registration for at least 6 months;
4. from how many years you can take a loan, each bank determines for itself, most often from 21 years old (at the time of registration) to 65 years old (at the time of graduation);
5. having a business plan.

A detailed business plan with all calculations of the enterprise's activities will be the basis for a positive response from the bank. Briefly, it should contain:

1. the purpose of creating an individual entrepreneur or legal entity;
2. justified need for lending to your business;
3. settlement minimum financial resources to start a business;
4. estimated profit from the use of borrowed funds;
5. expected payback periods;
6. algorithm of the enterprise or individual entrepreneur.

How to get a business loan from scratch

Initial investment is almost always necessary for a start-up business. And what do you need to take a loan without having a credit history, guarantors and an object for collateral.
In this case, you can take out a large loan using guarantee fund guarantees to support small and medium-sized businesses under the state program.

Advantages:

1. worked out guarantee scheme;
2. saving time;
3. a package of certificates for the fund will be formed by the bank;
4. expedited loan decision.

If you decide to take a loan without refusal, then use the services of a guarantee fund. You need to contact the location of your business.

Also, do not ignore the state soft loan for the development of small businesses - a non-refundable subsidy. The state implements this program through the employment service.
The money received under the preferential program has a designated purpose. State structures conduct strict control over the spending of subsidized funds.
In case of misuse of money, the state will require the return of the entire amount.

What documents are needed to get a loan

Each bank determines the list of required documents in its own way. Most often require:

1. statement;
2. the passport;
3. founding documents;
4. certificate of state registration;
5. financial statements of the enterprise;
6. proof of ownership;
7. business plan;
8. tax return;
9. certificates confirming the income of the borrower.

If a bank loan involves the registration of collateral, then what documents are needed to take a loan:

1. ownership certificate for land plot or real estate;
2. documents confirming the fact of acquisition of machinery, equipment;
3. technical passports for machinery and equipment;
4. accounting documents for the purchase of collateral goods;
5. certificate of free collateral.

What other documents are needed to take a loan and reduce the risks of refusal:

1. room open account in a lending bank;
2. providing information on additional sources of income;
3. international passport with the last trips abroad;

documents must be valid and properly executed.
It is impossible to get a loan without business development certificates, but providing collateral will significantly reduce their number.

What to do if a borrower dies

On the issue of documents, one cannot ignore the sad point: if a person took a loan and died, then according to paragraph 1 of Art. 1175 of the Civil Code of the Russian Federation, the heir who received the inheritance is liable for the debts of the person who received the inheritance within the value of the transferred property.
But, often banks insure borrowers against the risk of death. IN loan agreement an insurance clause is written. If you have insurance, check your insured event, the expiration date of the insurance and submit the documents to the bank.

Pros and cons of lending

Employees of any bank will give you advice on how to get a loan. But, it is unlikely to touch on the topic of the advantages and disadvantages of borrowing money.

Benefits of loans:

1. quick resolution of financial problems;
2. opening or expanding a business at the right time;
3. simplifies seasonal business;
4. receiving benefits from the bank in the future for services;
5. reduce the tax base.

minuses:

1. overpayment due to interest;
2. time spent on finding a bank for lending;
3. preparation of a large number of documents;
4. age restrictions;
5. appraisal of the mortgaged property below market value.

When choosing a bank, take into account not only the terms of credit, but also the quality of service and the attitude of bank specialists towards you. An important point is an informal assessment of your business opportunities.
This will also come in handy in the future if difficulties or questions arise. Loyal bank employees will always go to dialogue with you and offer a way out of this situation.
Getting a loan for a business is not easy, but it is even more difficult to repay it in a timely manner and without loss. Listen to the rules of the experts:

1. try to live within your means and not create a lot of debt for yourself;
2. do not take the first approved bank loan without comparing the conditions for taking a loan and the interest rates of other banks;
3. make payments not only strictly on schedule, but if possible, increase them, at least by some minimum amount;
4. avoid late payments;
5. inform the bank about the financial problems that have arisen.

Having taken a loan, you should be aware that you will have to give back more. But you have more opportunities to develop your business.

Hollywood films often show us unemployed people who come to the bank with a business plan and apply for a loan to start a business. In Russia, it is worth recognizing that this system is practically not developed, however, in our country, if you wish, you can get borrowed funds and start your own business.
In today's article, we will talk about how and where you can get a loan to start a business. We will also discuss what is needed for this and what are the alternatives to bank lending.

The desire to run your own business is quite often broken by the need to have start-up funds. And if in some activities, then many popular and sought-after small business sectors require significant investment.

Example. To open a mini-bakery, you will need funds to rent premises, purchase ovens, tables, and bring the necessary communications. The total amount of investments at the initial stage can range from 200-300 thousand to a million rubles.

Unlike very common and investment loans, getting a business loan from scratch is quite difficult and time-consuming. This is due to the high risks of the bank - not every credit institution will decide to sponsor a "pig in a poke".
In fact, today loans for small businesses from scratch are actively issued by only Sberbank. At the same time, it also imposes a lot of requirements and restrictions.
If you are interested in how to get a loan to start a business, we suggest that you consider the usual conditions for such loans:

• Low interest rate is the main advantage.
• The amount does not exceed 1 million rubles.
• Participation share own funds – at least 20%(i.e. a loan to start a small business covers a maximum of 80% of the required amount).
• Collateral for a loan is a guarantee of third parties and a pledge of property. Small loans from banks may be limited to guarantee.
• The loan is issued based on the study of the business plan. At the same time, banks most often limit the areas of activity they lend and offer their own standard schemes.

Sberbank issues loans to open a business and purchase franchises. In the first case, the client is offered a choice of a dozen areas of activity, for each of which a standard business plan has already been developed.

• The client is obliged to register as a legal entity or individual entrepreneur, undergo training at the bank and work through accounts opened with the creditor.
• If necessary (for example, when the client does not have a regular income at the time of obtaining a loan) the bank can offer a deferment for payments up to six months.

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

Not having the necessary amount and the ability to save it, many people leave the dream of own business. However, there a great opportunity become an entrepreneur without the necessary initial capital - apply for a loan to start a small business from scratch.

So how do you start your business with just an idea? We offer a short guide on how to get a business loan from scratch.

• Determine which banks financial groups in your area are lending to start-ups. Usually this list limited to just a few titles.
• Carefully study the requirements for borrowers and the project posted on banking portals. Determine how you fit under these restrictions, whether your business complies with them.
• If all the conditions suit you, it's time to get busy. One idea is not enough- the bank needs to find out how much you plan to spend, for what, in what time frame, and also when the project will start to pay off.
• Make sure you have enough savings to cover at least 20% of the project costs.
• Desirable make pre-arrangements on rent, purchase of goods, raw materials, negotiate with the seller of transport and equipment.
• Gather all the documents you need to apply well in advance.
• Decide on the collateral and guarantee that you can provide to the bank. in this case, they are not issued - the bank needs significant guarantees for the return of funds.
• Submit an application to the bank, attaching a business plan and a package of documents.
• Application processing may take from 3-4 days to 2 weeks depending on the complexity of the project and the volume of documents.
• In case of a positive decision, you sign the loan and collateral documentation, open a bank account.
• The loan is usually provided in the form non-renewable line.
• It should be remembered that a loan for opening a business is targeted, and its use must clearly comply with the business plan. For each transaction, you provide the bank with supporting documents (receipts, checks, sales contracts).

Are there worthy alternatives to a bank loan?

If you have studied the material on how to get a loan to start a small business, and came to the conclusion that such a loan is impossible, there is a way out. Note that many novice entrepreneurs face a number of problems:

• The Bank does not lend to the chosen scheme of activity, as it is unable to assess its profitability.

As a rule, such loans are issued only for very popular types of business - hairdressing services, bakeries, beauty salons, etc.

• The entrepreneur does not have the opportunity to secure the loan with collateral and surety.
• Loan amount is not enough to cover the necessary expenses (for example, you need to purchase an expensive production line, raw materials, materials).
• The client has a negative credit history.

However, even in these cases, you can get funds and open the business of your dreams. Let's list them:

• Many aspiring entrepreneurs bypass, and in vain. Via gratuitous financial assistance, you can cover a significant part of the costs of starting a business.
• Entrepreneurs who are confident in the profitability of their future business can look for a suitable investment company. This will require a detailed business plan, luck and a good gift of persuasion.
• Small business willingly funded business angels. These are individuals who not only invest, but also provide assistance, share their experience with a novice entrepreneur.
• If you need a small amount and you receive stable income, you can easily get a regular consumer loan and send funds to start a business. The main advantage of this method is that such loans do not require collateral.

Conclusion

So, you can get a loan to open a business in Russia, but this procedure has a lot of restrictions and obstacles. A few banks that issue such ones impose rather serious requirements on borrowers, issue funds only against collateral and surety. In addition, there are restrictions on the scope of the future enterprise.

At the same time, there are alternatives. A small business start-up loan can be replaced by investments, consumer loans, government subsidies, personal or family savings. The final choice remains with the future entrepreneur.
If you are interested in the topic of the article, leave your comments and ratings. This will help us fill the site with extremely important and necessary materials!

Evgeny Smirnov

# Business loans

Conditions and requirements of banks

A bank loan is not the only form of lending available to individual entrepreneurs and LLCs. Exist alternative ways attract finance to the business, which will also be discussed in this article.

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• Why banks are reluctant to issue loans to start a business
• Business Development Loan: Application Procedure
• Features of lending to IP and LLC
• List of documents for obtaining a loan
• What do you need to get a loan
• How to get a loan to open and expand a business
• Requirements for the borrower
• How to increase your chances of getting a loan
• Which banks give loans
• Consumer loans
• Business loans
• Alternative lending options
• Results

For dynamic development sector of small and medium-sized businesses, the state needs to provide entrepreneurs with access to affordable loans. Growing a business from scratch is often impossible without additional funding.

The operating business, gaining access to new sources of investment, increases profits and becomes a reliable borrower for the bank. Active, solvent businessmen with profitable assets at their disposal are considered by the bank as a more reliable and disciplined audience of borrowers.

Why banks are reluctant to issue loans to start a business

The economic conditions in Russia have developed in such a way that banks lend individual entrepreneurs and legal entities reluctantly. At the same time, the conditions under which loans are issued do not always correspond to the profitability threshold of an entrepreneur interested in financing.

Even less willing Russian banks provide loans for new business from scratch. The problem lies in the risks to which banks are exposed. The low percentage of approved loans for business creation and expansion confirms this. But distrust of startups has its own logic and is easily explained by such arguments as:

• a business that exists only on paper does not inspire confidence in the credit commission;
• a novice entrepreneur often does not have a positive credit history, which increases the risks;
• a business that is not yet functioning cannot be guaranteed to generate profit to pay off a loan;
• a business created from scratch often does not have property that could act as collateral;
• a loan to start a business must be supported by a well-written business plan;
• taking a loan for a business from scratch, the entrepreneur does not share the risks with the bank.

If an individual entrepreneur or LLC issues a loan for business development, then the chances of positive decision from the commission are increased.

Business Development Loan: Application Procedure

Features of lending to IP and LLC

The organizational form of the enterprise practically does not affect the requirements for the borrower and the procedure for obtaining a business loan. Many banks set identical lending conditions for individual entrepreneurs and LLCs. Differences may relate only to the documents that must be submitted to the bank and the form of guarantee. In particular, an individual entrepreneur must provide a spouse's guarantee, and in order to receive a loan by a limited liability company, the guarantee is signed by all the founders and actual owners of the enterprise.

Also, lending to individual entrepreneurs is characterized by a faster consideration of the application compared to LLC. This is due to the fact that individual entrepreneurs keep financial records in a simplified form, and the credit commission takes less time to assess the solvency of the borrower. For this, special methods are used. European Bank Reconstruction and Development. To assess the creditworthiness of an LLC, banks often use a more detailed classical financial analysis.

There are few significant differences between lending to individual entrepreneurs and LLCs, but they still exist, and this must be taken into account when applying to the bank.

List of documents for obtaining a loan

To obtain a business loan, the borrower must provide the following documents:

• notarized constituent documents;
• taxpayer registration form;
• a card with samples of signatures and seals;
• orders on the appointment of officials related to operations on a credit account;
• licenses and patents;
• financial statements for the last quarter and the past year;
• certificate of operations on current accounts registered with other banks;
• certificates confirming the absence of debt to the state;
• statements on loans opened in other banks.

When applying for a loan secured by material security, the bank requests title documents for collateral. When issuing a loan for the development of an already functioning business, the bank may require agreements with counterparties. And when financing a project from scratch, the credit commission will want to study the business plan. At the same time, different banks practice a different approach to the analysis of the borrower and have the right to require additional documents from the client.

What do you need to get a loan

Lending to small and medium-sized businesses in Russia is in transition, but individual entrepreneurs and legal entities have access to credit, albeit limited. If the business is consistently profitable, has a sufficient material and technical base and all the signs of a prosperous enterprise, then the bank will provide a loan at a rate of 12-15%. With absence collateral and a positive credit history, the cost of the loan will be higher.

With a deposit

Business lending for large sums and on long term in practice, it is possible only if there is collateral. The bank needs mandatory material guarantees, and therefore the pledge is issued:

• when buying property acting as collateral;
• with targeted lending to a functioning business;
• when applying for a long-term loan for business development;
• when opening a loan under the state support program.

The presence of collateral increases the chances of a positive decision of the credit commission. In addition, collateral is the basis for lowering the interest rate for using a loan.

Without collateral

Lending to businesses without collateral and guarantors for large amounts exceeding 1 million rubles is not carried out in practice. Banks regard such loans as risky, limiting maximum amount hundreds of thousands of loans. But even with these restrictions, the interest rate on an unsecured loan is comparable to offers for individuals.

A business development loan without collateral can be beneficial for individual entrepreneurs and legal entities. people with little authorized capital and high turnover rates. Cash loan under high percent can be successfully offset by the sharp increase in profitability achieved through additional financing. For example, an increase in working capital new year holidays through an unsecured loan can have a positive impact on the store's income.

How to get a loan to open and expand a business

In banks that specialize in financing small and medium-sized businesses, there are many lending programs without collateral. An entrepreneur who does not have collateral at his disposal can count on obtaining a loan, but in this case annual interest will be higher, and the requirements for business will be tougher. If we are talking about lending to a startup, here banks are even more conservative. Despite the fact that many of them declare their readiness to lend to businesses from scratch, in practice such loans are issued extremely rarely. Interest on such loans is comparable to microloans.

An unshakable argument for the credit commission is a stable business that generates a profit sufficient to pay off the debt. Therefore, in practice, getting a loan to start a business from scratch is very difficult.

Requirements for the borrower

Unlike consumer loans, the amounts of which usually do not exceed hundreds of thousands of rubles, in the business lending niche, loans are measured in tens of millions of rubles. Big loans mean big risks. Therefore, banks, in order to immediately weed out an insolvent audience, set a number of requirements for the borrower:

• no outstanding loans;
• timely payment of taxes;
• legitimacy of business activity.

The higher the requirements of the bank, the more favorable credit conditions it will be able to offer. In such a situation, an entrepreneur can almost always receive funds for business development - the only question is the conditions. Unsecured loans for developing business imply conditions comparable to consumer loans for individuals.

How to increase your chances of getting a loan

When issuing a loan to start a business, the bank uses a multi-stage check of the borrower's solvency. A significant indicator of the client's reliability is his credit history. The discipline of the borrower is the factor that primarily determines whether the money will be issued or not. By the way, bad credit history is better than none at all.

In order for the chances of obtaining a loan to be real, the business must consistently make a profit over the past few reporting periods. The positive dynamics of the enterprise for which funding is requested is a green light for the credit commission. In addition, if a company has a liquid material base at its disposal, the chances of obtaining a loan for development are significantly increased.

If an entrepreneur decides to open a business by taking a loan from a bank for these purposes, then he must present a detailed business plan to the bank, in which:

• describe the essence of your idea;
• provide a detailed implementation algorithm;
• make all calculations;
• take into account the main risks.

The business plan is subjected to detailed analysis by the credit commission. It must be compiled competently and in detail, because for the bank it acts as an indicator of the borrower's competence. Having a business plan, however, does not guarantee that the bank will give you the money you need. In this case, a guarantee from third parties will help to increase the chances of obtaining a loan for a business. But it is more reasonable for a resourceful entrepreneur to borrow money directly from a potential guarantor than to involve a bank in the procedure.

Which banks give loans

traditionally small and medium business lending to state and large commercial banks. To date, many institutions are the most active creditors of entrepreneurial activity.

Consumer loans

Consumer lending is more expensive loan product, which is characterized low percentage failures. Suitable for small private enterprises with a high capital turnover rate.

Bank	Loan terms	Interest rate	Credit amount (rubles)
Promsvyazbank	Up to 84 months	From 6.9%	Up to 3 million
Alfa-Bank Cash loan	Up to 84 months	From 11.99%	Up to 4 million
Home Credit Bank	Up to 84 months	From 10.9%	Up to 1 million
Sovcombank	Up to 84 months	From 8.9%	Up to 400 thousand
Tinkoff	Up to 36 months	From 12%	Up to 2 million
Oriental	Up to 70 months	From 9.9%	Up to 3 million
Renaissance Credit	Up to 70 months	From 10.5%	Up to 700 thousand
Sberbank	Up to 84 months	From 11.9%	Up to 5 million

Business loans

Getting this type of loan is more difficult, but the rate for them is slightly lower. You can contact the following banks:

Bank/Loan program	Loan terms	Interest rate	Loan amount (rubles)
Sovcombank Superplus	Up to 120 months	From 11.9%	Up to 30 million
Sberbank Trust	Up to 36 months	From 15.5%	Up to 3 million
Sberbank Business Trust	Up to 48 months	From 15.5%	Up to 3 million
VTB Express	Up to 60 months	13 to 16%	Up to 5 million
AK Bars Development	Up to 60 months	Individual calculation	individually
Promsvyazbank Business	Up to 180 months	Individual calculation	Up to 250 million
UBRD "Business Growth"	Up to 24 months	From 16%	Up to 1 million

It will not be difficult for the owner of a developing business with collateral to take out a loan for the further development of his own business. Such clients largest banks Russia is ready to offer small interest And flexible terms repayment. The situation is different with those who enter the business with zero capital, relying only on loan funds. Banks set more stringent conditions for this category of borrowers, limiting the maximum loan amount and repayment period.

Alternative lending options

A bank loan is not the only form of lending available to individual entrepreneurs and LLCs. There are alternative ways to raise finance for a business. Among them:

• Express loan is a form of lending in which a company can take out a loan within a few hours without collateral.
• Purchase of collateral property - allows you to buy the tangible assets necessary for the business with a deferred payment. If the company needs office equipment or furniture, you can purchase all this under the program for the liquidation of collateral.
• Overdraft is a form of quick credit for a short period of time for settlements with counterparties.
• Factoring - convenient way crediting accounts receivable.
• Refinancing - repeated lending to a business in order to repay loans to the borrower in other banks.

Results

Small businesses, no matter what difficulties they face in the Russian legal field, have real access to loans. To do this, it is enough to provide legal documents, tax reporting, contracts and management documentation, information about accounts in other banks, data on payment discipline, as well as papers required for registration of collateral.

Having a package of documents for a business that generates income, an entrepreneur will receive a loan on favorable terms. If we talk about such a service as a loan for starting a business from scratch, then Russian market such loans are issued infrequently. To receive money, an entrepreneur must provide a detailed business plan, product prototypes, project documentation and other “evidence base” that will force the loan commission to take a risk and finance a startup. But even in this case, there is no guarantee that funds will be received on the same terms as a functioning business is financed.