Business lending from scratch. Business loan from scratch for small business and SP

Sometimes, a person comes home from work in the evening and realizes that he will not return there tomorrow. It comes to the realization that there is strength and desire to become the master of your own life. At this moment, the search for a profitable business begins, which, in addition to money, will also bring independence from the employer.

The main question, after choosing a field of activity, is where to get the required amount. The increased demand for loans to start a business has led most banks to develop business loan programs for individual entrepreneurs from scratch.

Before looking for a suitable bank, you must:

• Choose which line of business is most profitable for you, in demand by the consumer, what you understand. Find out who your competitors are, in what quantity, what advantages are in their offers. See what segment of the population will be your consumer. Find the right suppliers. Compare by seasons, as usual, the product / service is being promoted. All this in economics is called SWOT-analysis.
• The main enemy of a novice entrepreneur is optimism in forecasts. Therefore, it is important to calculate the risks and the most unfavorable outcome.
• Calculate in detail all expenses and estimated income for the first 3 months of the start of activity. This includes the wages of employees.
• Find a premise that suits the chosen line of business. Pre-negotiate the lease.
• Compose all calculations and business reasoning and draw up a detailed business plan.
• Collect at least 20% of the amount needed to start.
• Create an IP.

Standard conditions of banks when issuing a loan for starting a business

The requirements are the following:

• positive ;
• availability of own funds about 20% of the required amount;
• guarantees in the form of collateral real estate are welcome;
• having a business plan;
• guarantors;
• a positive characteristic of the entrepreneur;
• IP documents;
• solvency guarantees (certificates from work, bank statements, etc.)

Which banks offer loans when creating an IP from scratch

The vast majority of banks provide an individual entrepreneur with a loan at least 3 months after the start of activities on favorable terms.

Only one bank now allows itself to lend to a business from scratch. The main and so far unique in its proposals is Sberbank of the Russian Federation.

The rest of the credit organizations meet the needs of entrepreneurs who have been successfully working for at least 3 months. Offers for representatives of small and medium-sized businesses that have already started their activities are very attractive and extensive, ranging from acquiring and salary cards, financing an organization for the purchase of fixed assets to investing in business development.

Sberbank RF

Probably the most interesting and profitable offers for 2017, it is with this bank. Now Sberbank offers loans for up to 3 million rubles.

The priority is the franchise. This type of business contains a minimum of risks, since the brand has already been promoted and all questions on starting a business have proven answers.

The bank cooperates with dozens of companies that are ready to sell a business on a turnkey basis with a developed business plan, calculated risks and full information about the technical details.

Leasing - if your business is related to transportation or construction, then you can use the Sberbank leasing program and take commercial, construction, agricultural or other special equipment, cars.

In some cases, the availability of transport or a fleet of vehicles is already lending to a business. Sberbank Leasing is a company with 25 years of successful experience.

There are currently two programs:

Offered by this bank, it does not require you to specify the purpose of receipt. You can use the collateral or unsecured program. Standard package of documents. When you receive such a loan, no one will know why you take it. You can start a business from scratch with such a loan, if the loan amount and your savings are sufficient for this.

Sberbank, like any other financial and credit organization, is interested in borrowers being able to make payments on time and in full. Therefore, it offers several dozen ready-made business plans that are guaranteed to bring profit. In addition, the bank's policy turned towards combining lending with education. Most novice businessmen are in dire need of increased knowledge.

The Business Start program includes free training for aspiring entrepreneurs. The bank both teaches and helps to choose the right direction in business.

To make it easier for a beginner to adapt to the new conditions for managing their own business and not become bankrupt, in the very first months of work, ready-made, developed and tested schemes and brands are offered. This is the essence of the franchise. Under such a program, an individual entrepreneur can be issued after the bank approves the loan.

• during the previous 3 months, the person should not have had a business;
• the age of the borrower is 20-60 years;
• guarantor - 21-60 years old, provides a 2-NDFL certificate or a tax return;
• loan amount 100 thousand - 3 million rubles, at the request of the client, for a period not exceeding 3.5 years at 17.5% or more;
• the first installment is more than 40%.

Requirements:

• rent and repair of premises;
• purchase of equipment;
• advertising.

Sberbank now acts as a lender, teacher, mentor and intermediary between aspiring entrepreneurs and large companies ready to start small businesses. If you need an integrated approach to your undertaking and want guarantees of success, Sberbank is for you.

Alfa Bank

One of the first banks practicing fast lending to small and medium-sized businesses from scratch.

If the amount you need is less than 150 thousand rubles, then it will take 3 hours to apply for paperwork, open debit and credit cards. And the required amount will be transferred to your Alfa-Bank card.

There are several offers this year. Basically, in order to reduce risks, the bank finances a business from scratch only in the amount of up to 100 thousand rubles. And up to 50 thousand rubles. available in even shorter timeframes.

In other cases, the following conditions and requirements must be met:

• guarantee of spouses;
• the age of the borrower is 22-60 years;
• the presence of an active current account in Alfa-Bank;
• IP operating for more than six months.

Lending to an already registered individual entrepreneur under the "Partner" program:

• without collateral, if the IP has been registered for more than 1 year;
• 500 thousand - 6 million rubles;
• term - from 13 months to 3 years;
• interest rate - 12.5% ​​subject to the bank's standard terms and conditions. In other cases - 17.5% - 19.5%, depending on the period for which the loan was taken;
• without collateral;
• issued only if there is an account in this bank.

This rate is valid if the loan repayment period is 13 months.

• considered 2 days;
• up to 40 million rubles;
• term - no more than 4 years.

Loan for IP from scratch:

• term - up to 7 years;
• interest rate - 11.99%;
• amount - up to 3 million rubles;
• without collateral, guarantors.

Consumer loan in cash:

• rate - from 15.99% to 24.99%, depending on the loan amount and maturity;
• without guarantors and collateral;
• amount - from 50 thousand to 1 million rubles;
• loan term 1-5 years;
• without insurance.

Applications can be submitted online through the official website of Alfa-Bank.

A personal visit to the office with all the documents in such a serious matter will bring more benefits and increase the likelihood of success. Loyal bank, always meets the needs of a potential client.

Bank Tinkoff

It offers a number of programs for entrepreneurs, where the main advantage is the ability to carry out all operations online, via the Internet anywhere in the world.

The standard offer of this bank for small businesses:

• interest rate 20-30%;
• the amount of 3 thousand - 200 thousand rubles;
• term 3 months. - 3 years

Requirements:

• passport;
• IP registration document;
• statement;
• the presence of guarantors or collateral (will reduce the interest rate).

Far Eastern Bank

• interest rate - from 12.5%;
• amount - up to 100 million rubles;
• secured by real estate, which covers the cost of the loan;
• or third party (legal) guarantee.

• cashless payments;
• in case of early repayment, the rate is reduced by 1%.

Other offers

Raiffeisenbank offers several business programs, including Classic-Light secured by property with an individual interest rate. But IP must already exist.

In fact, loans for individual entrepreneurs from scratch in all banks, except for Sberbank of the Russian Federation, are offered in the form of a regular consumer loan. And they act according to a standard package of documents.

Zapsibcombank issues loans for the purchase of fixed assets at 12.8% per annum.

Rosselkhozbank - the program "Lending to SMEs" at 11% per annum in the amount of more than 50 million rubles. up to three years.

AK Bars Bank issues loans for 3 years at 15.8% under SME-Investments.

A bank with suitable lending conditions must be chosen by carefully considering each offer.

Having compiled a list of the most promising ones, consider all programs and apply immediately for all credit institutions that you have chosen. After several banks approve a loan for you, choose the one where it will be beneficial for you to cooperate in the future.

How to get a loan for business development

You can apply for a loan online. Apply without leaving home. If approved, the employees themselves call back, clarify the nuances, offer to appear with a package of documents (they dictate the entire list) at the bank branch closest to you.

The easiest way to find money to start a business is to get a regular consumer loan. This applies to the situation if you do not intend to apply to Sberbank of Russia, the IP has not yet been registered.

Banks will issue you a loan, as a consumer, on general terms for any program convenient for you. Not all banks need to state the purpose of the loan.

The conditions and requirements for consumer loan borrowers of all financial and credit organizations rarely differ from each other.

The main requirements for a consumer loan borrower are:

• the presence of a passport of a citizen of the Russian Federation with registration (not always);
• documents confirming financial stability, solvency;
• guarantors (most often the closest relatives);
• secured property (depending on the amount of the loan).

Getting a loan for a start-up entrepreneur differs in requirements.

Credit for IP with zero reporting

Zero reporting is submitted by those organizations that did not start their activities, suspended it for a while. This means that for a certain amount of time the company did not receive income from its work.

Loans in such situations are issued quite difficult. In such a situation, one cannot do without collateral and guarantors with guarantees of financial condition. Banks consider several reasons why an organization may have zero reporting:

• The IP has not started its activity yet;
• a company on the verge of bankruptcy;
• true income is hidden;
• the company is in crisis.

Each of the reasons represents a risk for the financial institution not to return the loaned money.

In order for the bankers to gain confidence, the entrepreneur, in addition to the usual package of documents, must provide the bank with other papers:

• passport with registration or residence permit;
• a completed application form (the form is issued by the bank);
• application;
• business plan (the requirements for it are quite stringent);
• certificate from the Federal Tax Service;
• documents on collateral and independent appraisal;
• IP data (name and other details);
• extracts from the bank servicing the current account of the individual entrepreneur and its owner, as an individual;
• guarantors with documents and certificates of financial solvency.

If all the documents are in order, there is property worthy of the value of the loan, and the guarantors call for material and moral trust, then the loan will be approved.

Small business support centers for lending without collateral and guarantors

You can apply to such an institution with a minimum initial amount, but with an interesting idea. Also, with a zero declaration, it is in such organizations that they help to establish a business, correct errors and improve work.

The support center works specifically with entrepreneurs in their region, locality. The main condition is that your business idea must be relevant for the area where the IP will deploy its activities.

It is not necessary to have a business plan - you will be helped to compose it or correct the shortcomings of the existing one. The body will help to resolve organizational issues and correctly draw up IP documents.

Getting a loan through the Small Business Support Center is easier than doing it yourself. Banks' confidence in this organization is high. In each region there are banks with which the Center cooperates.

Entrepreneur requirements:

• responsibility, serious attitude;
• a complete package of necessary documents;
• business plan;
• guarantee of representatives of the Center (if necessary).

Without a guarantee and collateral, an individual entrepreneur with a zero declaration cannot receive a loan, even by contacting the IB Support Center. The way out is a consumer loan for physical. face.

If an entrepreneur is a conscientious taxpayer, does not have any debts to financial and credit organizations, is not blacklisted by the banking system, has just started his business and has all the prerequisites for the successful development of entrepreneurship, then there will be no problems obtaining a loan. The only question is the amount of the loan.

Banks limit the amount of money that can be issued without guarantors and collateral. There are practices when a loan is issued against the security of manufactured products. This may be a crop of sunflower grains, construction projects.

As for residential buildings, this procedure is widely used in Russia. The bank in this case acts as a customer, owner, investor until the building is put into operation.

During the period of monetary relations of purchase and sale with such real estate, all operations pass through the creditor bank. The system often leads to a violation of the law by both parties due to miscalculations in the business plan and force majeure during construction and sales.

From a review of all methods of lending to individual entrepreneurs from scratch, the conclusion is that: the only bank that lends, and selects a suitable business, and brings together with the right partners, and teaches the first basics of start-up entrepreneurs is Sberbank of Russia.

In other cases, you should be patient, try to win a grant to create an IP and, after 3-6 months of positive dynamics, apply for a guaranteed loan for your IP in any other bank.

In other cases, limit yourself to obtaining a consumer loan without guarantors, without collateral.

The main point is that there must be own funds accumulated for the business.

Is it possible to take a consumer loan for a business and what are the alternative options for supporting small businesses? Watch the next video:

Oct 24, 2017 Benefit Help

You can ask any question below

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.
• Share of 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 give up the dream of owning their own business. However, there is a great opportunity to become an entrepreneur without the necessary initial capital - to get 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.

• Find out which banks and 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. By using 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 private individuals who not only invest, but also provide assistance, share experience with a novice entrepreneur.
• If you need a small amount and you get a stable income, you can easily get a regular consumer loan and direct the 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!

Making a loan for the development of commercial activities is a common practice. But in reality, individual entrepreneurs, especially newly opened ones, may experience difficulties in obtaining such financing. To get money for a business, the borrower needs to consider all possible options, evaluate their merits and choose the best one.

Ways to get a loan for individual entrepreneurs

A private businessman can get a loan to develop his business as:

• an individual - a consumer lending agreement is drawn up;
• individual entrepreneur - a corporate agreement is concluded.

Funds can be issued to a private borrower either secured by real estate or without it. But without collateral, you can count - banks are not ready to issue more.

At the same time, it is important that most credit organizations put forward requirements for the “age” of an individual entrepreneur - 3 or 6 months, or even a year, must pass from the moment of registration.

Features of business lending for entrepreneurs

Corporate finance differs from consumer finance in that:

• it is possible to receive large amounts - with high-quality security, banks are ready to issue up to 100 million rubles;
• rates are much lower - for some programs, lending at 5 percent is possible;
• it is almost always necessary to have a current account in the bank chosen for obtaining a loan;
• the procedure requires coordination with many departments, which does not make it any easier.

Without providing security, a bank will not issue a large amount on a commercial loan - either a guarantee or a pledge is required.

Is it possible to get financing for a newly opened entrepreneur?

The date of registration of an individual entrepreneur does not always coincide with the date of the actual start of activity. Often, after receiving the constituent documents, months pass before the moment when the businessman really begins to master the chosen area.

If an entrepreneur has just opened, then it will be difficult to get money - few banks are ready to give a loan to develop a business from scratch.

There are more chances to get financing from entrepreneurs who opened a year or more ago - even if the activity has not actually been carried out yet, banks are more loyal to such borrowers.

How to get a loan for a business if an individual entrepreneur has just opened

The analysis showed that not a single bank is ready to lend to newly created individual entrepreneurs - it is necessary that the IP existed for at least 12 months.

For newly registered borrowers, there are only 2 ways to get the required amount:

• apply for a personal loan;
• ask to consider the application on an individual basis.

Each option has its own characteristics.

Making a loan for an individual entrepreneur

A newly registered private businessman can apply for funding as an individual. For this it is necessary that:

• the conditions of the program of the selected bank allowed lending to individual entrepreneurs for personal purposes;
• the financial institution did not have a requirement for a minimum period of business;
• the borrower has a good credit history;
• there was no need to confirm the income with a reporting declaration.

The bank may ask you to provide additional documents confirming income (account statements, alternative sources of income, etc.).

If you need a large amount, then you can’t do without collateral - only with collateral you can get an amount of up to 10 million rubles. The exact amount of financing will depend on the value of the property provided as a guarantor.

If a private businessman additionally works for hire, then it will be easier to get a loan - it will be possible to confirm the salary with a 2-NDFL certificate, and indicate the individual entrepreneur as additional income.

Agreement of personal conditions

If in the basic programs of the bank there is no way to receive financing for newly opened businessmen, then it is worth trying to negotiate as part of an individual offer. There are no universal tips on how to act so as not to be refused. But to increase the likelihood of approval, you can try to contact the bank, where:

• a current account is already being opened or is planned to be opened;
• have large savings;
• the loan has already been processed and successfully repaid.

The request of a potential borrower will be submitted to the credit committee, which will decide on the possibility of issuing the required amount to the entrepreneur. Unfortunately, practice shows that most of these applications are rejected - banks are not ready to take on increased risks.

Business lending for sole proprietors without collateral

No bank is ready to finance the activities of newly registered private businessmen without collateral. But not all credit institutions require collateral - some are ready to accept a guarantee.

It is important that, as a guarantor, the bank may require to involve both another individual and a business partner. For married borrowers, in most cases, you will need to use your spouse as a guarantor.

What documents are needed to apply for business financing

A set of documents for obtaining a loan is individual in each bank. But most often, financial institutions require the provision of:

• passports - without it, it will not be possible to draw up an agreement, a temporary certificate when replacing or losing a passport for lending purposes is not considered;
• the second document - a foreign passport, driver's license, SNILS and others are accepted;
• IP registration certificates - confirms the conduct of activities and the date of commencement of private practice;
• OGRNIP - certifies that information about the entrepreneur is entered in a single register and determines the assigned individual number;
• declarations and other reporting - the documents included in the list depend on the method of taxation used.

Additionally, other evidence of financial reliability may be provided - account statements, documents on the ownership of real estate and / or other property, an agreement on the transfer of a house or apartment for rent, and others.

Banks that are ready to lend to the development of IP business

It is important to understand that without doing business, the tax return will be zero. An analysis of bank loan offers revealed 3 financial institutions that are most loyal to entrepreneurs without current activities, provided that a year or more has passed since the actual registration.

Loan "Parter" from

A financial institution offers to issue without collateral from 300 thousand rubles to 6 million. The interest rate depends on 16.5% to 17.5% per annum, depending on the term. You can receive funds for replenishment of working capital, as well as for the acquisition, repair or reconstruction of fixed assets.

To draw up the required amount, it is necessary to provide a guarantee of another third party, but not the owner of the IP. If the borrower is married and wants to receive more than 3 million rubles, then it is necessary to involve a spouse as a guarantor.

To apply, the client must be between the ages of 22 and 65.

Quick Decision Loan from

To obtain a loan in the amount of 100 thousand to 1 million rubles, no collateral is required. The interest rate depends on the term, the loan can be issued for a period of up to 1 year.

The loan is provided for current purposes - payment of rent, settlements with counterparties, purchase of materials and other valuables, etc. It is mandatory to open a checking account.

For lending, life and / or health insurance of an individual entrepreneur and a guarantee of related persons and / or companies are required. If the businessman is married, the spouse is required to vouch for him.

Credit "Trust" from

A client between the ages of 23 and 65 can apply.

Funds are issued for business development, but it is unnecessary to confirm what exactly they were spent on. The loan rate per year is 18.5% (standard conditions) or 17% (repeated applications or personal offer). But if the borrower plans with the funds issued and provides documents confirming the intended use of the funds, then the rate will be 16.5% per annum.

Beginning entrepreneurs ask - in which bank and where to get a loan for a business from scratch, where do they apply for a commercial loan? After all, not every institution will contact a client who does not yet have stable income, only ideas?

Any young entrepreneur can get money to start his business without racking his brains over finding money, you just need to contact a banking company. You will be offered several programs, and the choice of a businessman depends on his specific goals.

Loans to start and develop your business are profitable. They were developed specifically, focusing on the needs of entrepreneurs. There should be no problems with debt repayment, because this can be done at the expense of the profits received.

Income from your own "brainchild", as a rule, is more than the average salary of a Russian. This means that larger amounts can be deposited on account of repayment. So you can close the debt ahead of schedule.

According to experts, the payback of the amount issued for the opening of a small business is achieved on average in 10-12 years. Therefore, many companies are not ready to approve an application from every aspiring entrepreneur. Recently, lenders have taken into account various risks, tightened their conditions and raised rates.

Types of loan programs and key features

• Commercial mortgage. Here everything is according to the classical scheme. To start, you often need a room (office, warehouse, retail, industrial, etc.). Of course, you can rent the premises, but it is possible to buy it in a mortgage. To obtain it will be necessary to pledge the purchased commercial property.
• Money to replenish working capital. The easiest option is to open a line of credit to replenish the OS. The upside is that there is no collateral required. Money can be used to pay for the supply of goods, payment of salaries and other expenses. There is a limit - a threshold of the amount that a borrower can receive. The limit depends on the monthly or annual turnover of the company. It is possible to extinguish the debt not only according to the annuity scheme. An individual schedule and deferred payments are possible.
• You can get money if you provide a business plan. Some organizations give out money if you prove to them that your undertaking will be profitable. There are difficulties here, since many beginner IPs do not bother to write such a plan at all.
• Car loan. Often a vehicle needs to be purchased. A car loan is a good alternative to leasing. But you will need to make a down payment for the car. The key feature is that the car will be pledged to the bank until the full repayment of the debt.
• Overdraft. It allows you to "intercept" when there is a shortage of funds, and this allows the entrepreneur not to lose income. Overdraft is different in that it can be renewed. For example, you can receive tranches within six months (every 30 days). The amount starts from 250 thousand rubles. Here, too, there is a limit of 30% of the company's monthly turnover. But without security, approval cannot be obtained. The collateral can be real estate (both commercial and residential), a security deposit, vehicles or equipment.

Let's talk about programs.

For registration you need:

• fill out a questionnaire
• have with you a passport of a citizen of the Russian Federation, a registration certificate or a military ID,
• provide financial documents of an entrepreneur or legal entity (TIN).

The company gives preference to those persons who will work under a certain franchise, represented by one of the partners of Sberbank. It is most important to pay attention to a quality project and a franchise.

Borrowers with a positive credit history are more likely to be approved. Read more about the meaning of CI in this article.

The financial situation of the applicant, the availability of collateral, the number of dependents, the presence of a carefully drawn up business plan, the guarantee and the amount of the down payment are also of great importance.

But now in Russia there are a large number of firms, and many of them offer their commercial lending services. We can also advise you to contact the following companies:

• Ural Bank for Development and Reconstruction, where you can draw up an agreement at a rate of 11.5% per annum for a period of up to 3 years. The most profitable program is Overdraft, which is provided in the form of a credit line for an enterprise. Details in this article;
• Alfa-Bank offers favorable conditions for its partner companies, the rate is from 15% per year. You can get a large amount within 6 million rubles without a guarantee, detailed information is presented;
• Also profitable products are offered by banks VTB 24, Avangard and Uralsib Bank, details can be found in this review.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

Consider the process of applying for a loan:

• Contact the office of the financial institution.
• Select a program (for example, Sberbank offers 10 products).
• Register with the tax office as an individual entrepreneur.
• Make a plan. The better it is presented, the greater the chance of approval of the application. This is the beginning of any business, and therefore banking organizations carefully study the project. The merchant must determine the main short-term and long-term directions of the company's development, conduct a quantitative and qualitative analysis, calculate production volumes, the ratio of profits and costs, and analyze the market situation.
• Choose a suitable office location, take care of advertising, hire employees, etc.
• Collect all the necessary papers and apply to the bank. To find out what documents you will need to prepare, check out this article.
• Prepare money for the first installment.
• Wait for a positive response, open your own business and develop it. Client analysis is carried out by credit specialists or through the system

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?

The most common question new entrepreneurs ask themselves is 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 soft loans in nature for newly-minted individual entrepreneurs and LLCs.

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

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

Small business (SB) is a commercial enterprise with less than 100 employees and no more than 100 annual revenues. 400 million rubles . For small businesses provided special tax regime and simplified accounting procedure.

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 - individuals 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. The most effective way is to take several consecutive loans from MFIs and close them on the company's terms.

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. Salary customers and those who have a bank deposit or current account banks offer more favorable terms.

It is more reliable to cooperate with well-known financial market players who have many branches in different cities of the Russian Federation.

Other important criteria:

• independent bank rating– in Russia, the most authoritative rating companies are RA Expert and the National Rating Agency;
• 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 their website;
• 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 the 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:

• 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 collateral (if you apply for a secured loan);
• 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

All 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;
• conditions for early repayment of the loan;
• 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.

There are no standard and formal banking agreements - they are all drawn up taking into account the individual conditions and circumstances of the transaction.

Step 5. 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 out a consumer loan without specifying the purpose or to issue a credit card with a revolving limit. This option is suitable if you need a relatively small amount within 300-750 thousand rubles .

1) Sberbank

- the most famous bank of the 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. The maximum amount is 3 million rubles.

There are also other programs Loan for replenishment of 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 are 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 in the amount of up to 5 million rubles.

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. The 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 loan 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, while loan amounts and terms, on the contrary, are growing.

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. Plenty of successful businessmen started out on debt 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?

We wish you generous creditors and successful commercial projects! Write comments on the article, rate, share with friends on social networks. See you soon!