Which banks provide loans for business development. Loan for starting a business: step-by-step plan for obtaining. Agreement with the bank

In the article, we reviewed the conditions of 5 banks that provide loans to start-up entrepreneurs. We also collected the entire list of documents required to obtain a loan and listed the main reasons for refusal.

Types of lending to beginning businessmen

Various forms of financing are available for aspiring self-employed entrepreneurs. Among them are:

• to purchase a franchise banks issue funds more readily than according to a business plan. As proof of intentions, you must provide the bank with an agreement with the franchisor;
• An overdraft is provided by the bank servicing the entrepreneur's current account. This is an opportunity to pay bills “on credit”, even when the businessman does not have enough funds;
• government benefit programs allow you to receive small amounts for a large package of documents. To obtain government funding, you will have to go through many authorities. For example, you can receive a subsidy in the amount of an annual unemployment benefit (no more than 58,800 rubles);
• non-bank credit organizations they also provide funds to start-up businessmen, but as a rule, for short periods and at high interest rates;
• private loan - funds are taken against a receipt from a private person;
• the venture fund finances innovative projects and unique developments;
• consumer loan- the last option for individual entrepreneurs who cannot get a business loan. It is easier to receive money as an individual; it can be used for any purpose, but the amounts of such loans are much smaller.

Where to get a loan for a start-up entrepreneur

“Business Invest” is a loan for starting a business or purchasing working capital. The maximum amount of approval is limited only by the wealth of the businessman, which is determined by the collateral.

To receive money, an entrepreneur must operate for at least 3 months. The repayment schedule can be developed individually. The Business Turnover tariff is available exclusively to small enterprises and individual entrepreneurs with annual revenues of less than 400 million rubles.

VTB 24

You can fill out an application for a loan for aspiring entrepreneurs immediately on the bank’s official website.

This bank issues loans for starting businesses in the field of agriculture (purchase of land, equipment, grain, livestock, and so on). The purchased property is pledged or a guarantor is required.

The minimum amount is 100 thousand rubles. The bank extremely rarely approves the issuance of money to entrepreneurs who started their activities less than a year ago.

Ural Bank for Reconstruction and Development

The Business Growth tariff is available exclusively to persons from 20 to 65 years old. Collateral is not required, but guarantees from persons capable of influencing the development of the business are required. “Express credit,” on the contrary, requires collateral, but at the same time allows for a negative credit history.

The “Business Development” tariff is issued on the security of real estate or any other valuable property of the entrepreneur. To determine the interest rate, bank experts analyze the solvency of the business.

Features of lending to start-up entrepreneurs

A businessman at the beginning of his business should not be surprised by inflated interest rates on loans, because he is not the most desirable borrower for the bank.

During a startup, it is not yet entirely clear whether the entrepreneur will be able to receive the necessary profit and, accordingly, repay the loan. Funding a business start-up is a risky business for banks, so they treat lending to projects from scratch with extreme caution.

Before going to the bank, you need to take into account all the nuances that increase your chances of getting a loan. These include:

• , which illustrates in detail where the funds will be sent and how they will be returned to the lender;
• the property provided as collateral guarantees the solvency of the bank client;
• guarantee from an organization with a good credit history (ideally, this is an existing client of the selected bank who can vouch for a young colleague and recommend him as a responsible borrower);
• investing your own funds in a business also indicates the serious intentions of the borrower (it is advisable to invest at least 30% of the amount required for a startup into the business).

A business plan, collateral and a guarantor will not only help in approving a loan, but also help reduce the interest rate. Without collateral, an entrepreneur can only count on inflated interest rates.

A certificate of income from your place of work will help reduce your loan rate. Therefore, if there is an opportunity to open a business without leaving your job, it is better to take advantage of it.

Documents for obtaining a bank loan

To obtain a loan, an individual entrepreneur will need:

• passport with registration;
• confirmation of registration with the tax office and the Unified State Register of Individual Entrepreneurs;
• if property is provided as collateral, confirmation of ownership (spouse’s permission to use the collateral);
• business plan;
• if the individual entrepreneur was registered more than three months ago - the latest statements and statement from the current account.

Detailed information about how to take out a loan and what documents are needed should be checked on the bank’s official website, since each financial institution has its own requirements.

Reasons for bank refusal to issue a loan

If, based on the results of the analysis of all the documents, it comes to the conclusion that the business will not bring profit, and the entrepreneur will not be able to pay off all his debts.

Delays in previous payments and other “stains” on your credit history can permanently block an individual entrepreneur’s access to credit. The client's potential solvency is carefully studied, and if the bank discovers debts on any payments (rent, taxes, alimony), it has the right to refuse to issue a loan without giving a reason.

To open your own business, very often, additional funds are required. For help, you can contact financial organizations that provide loans for starting a business from scratch.

Experts note that such a loan pays off within one year. Therefore, many banks cooperate with budding businessmen. After the economic crisis, the conditions for providing large loans were tightened, but with a competent approach, you can increase the chances of approval of the application.

To increase the chances of obtaining a loan for an individual entrepreneur, it is recommended to competently draw up a business plan, find guarantors or provide liquid collateral in the form of real estate. Having a positive credit history is also an important indicator of a potential borrower.

Where to get a loan for an individual entrepreneur (individual entrepreneur) to open a business from scratch (for a small business)

Many banking organizations are developing special programs for private entrepreneurs who want to start from scratch. In this case, the lender takes into account only the plans and ideas of the borrower. Thus, financial institutions bear large risks, so the size of the loan for starting is small and the interest rate is high.

Before contacting a bank, you need to develop a business plan, which should include items with the following information:

• The required amount of funds to be raised.
• Purpose of using money.
• Estimated profit from business activities.
• What amount can be withdrawn from circulation in order to make mandatory loan payments.
• Alternative business development solutions.

This document will allow the lender to assess the feasibility of providing a loan. In addition, when making a decision, the presence of a business plan is taken into account.

Banking organizations offer businessmen the following products:

• Express loan. Designed for individual entrepreneurs who urgently need additional funds. The decision is made within one hour. The borrower needs to provide a minimum of documentation. It is important to note that such a loan is issued at high interest rates.
• Consumer loan for individual entrepreneurs. In this case, you need to collect the necessary package of documents. Security in the form of collateral or surety may also be required.
• Cash loan for businessmen. Some financial institutions offer credit lines to budding entrepreneurs.

It is important to note that not all banks cooperate with start-up businessmen. Therefore, you need to carefully study the conditions. Experts recommend applying for a loan from a financial institution where you can open a current account.

The best loan offers for businessmen in 2017

Sberbank of Russia

Sberbank of Russia offers a profitable loan for a starting individual entrepreneur. The product “Trust” allows you to realize your idea. Business loan terms:

• The loan is provided for any purpose, without providing liquid collateral.
• With collateral, the loan is issued at a reduced interest rate.
• The base rate is only 16.5%.
• The lending limit is 3,000,000 rubles.
• The maximum loan period is 3 years.

Bank of Moscow

The financial organization has developed a universal loan for opening and developing business activities.

• The loan size is 150,000 – 150,000,000 rubles.
• Loan period 1-60 months.
• The interest rate is determined on an individual basis.
• Collateral is required.
• The decision on the application is made no more than 5 days.

OTP bank

The main advantage of OTP Bank is that you can fill out an application on the website and find out about the decision within a few minutes.

• The loan size is 15,000 – 750,000 rubles.
• Loan period 12-48 months.
• The rate is 14.9%.
• No collateral required.

Renaissance Credit

The financial organization specializes in providing consumer loans not only to the population, but also to individual entrepreneurs.

• The loan size is 30,000 – 500,000 rubles.
• The interest rate is determined individually and can be 15.9-29.1%.
• Loan period: 24-60 months.
• No collateral required.
• To apply, it is enough to present a valid Russian passport and an additional document.

Sovcombank

Lending terms:

• The maximum loan size can be 400,000 rubles.
• The base rate is 12%.
• The application is filled out online, and the loan is issued at the representative office of the financial institution.
• The maximum loan period is 5 years.
• The decision is made within one hour.

Thus, a novice businessman can choose an offer on favorable terms.

Loan conditions for individual entrepreneurs in Sberbank. Calculator for 2017

Sberbank of Russia offers various products for individual entrepreneurs. One of these programs is “Business Project,” which allows you not only to open a new business, but also to modernize and expand it.

The main advantages of such a long-term loan are:

• Significant amounts of lending.
• A long period.
• If necessary, you can get a deferment.
• Consultation with specialists.

Conditions for providing a loan for individual entrepreneurs:

• The loan period is 3-120 months.
• The minimum interest rate is 11.8%.
• The loan is provided only in Russian rubles.
• Minimum availability of own money: 10%.
• Payment of the principal debt can be deferred for one year.
• Loan size: 2,500,000 – 200,000,000 rubles.
• Security in the form of liquid collateral or surety is required.
• There are no additional fees.
• When providing collateral, the property must be insured.

To receive a loan to start a business, you need to fill out an electronic application form on the Sberbank website. To eliminate the risk of refusal, all information must be reliable.

To calculate the approximate overpayment on the loan and the amount of monthly payments, you need to go to: http://www.sberbank.ru/ru/person/credits/money/consumer_unsecured. Fill in all fields and click on the “Calculate” button.

It is important to note that the calculator allows you to find out approximate numbers. More accurate information should be clarified with the bank manager.

Loan without collateral or guarantors from Sberbank. Is it possible to register and how to do it?

Sberbank of Russia provides an opportunity for aspiring entrepreneurs to obtain a loan without providing liquid collateral in the form of real estate or vehicles.

To receive a loan, go to the “Small Business” section on the financial institution’s website, then select “Loans and guarantees”, where you click on the “Business Trust” tariff.

The loan is issued for a period of up to 4 years. The minimum interest rate is 18.5%. The loan amount can reach 3,000,000 rubles, without charging additional fees.

To obtain a long-term loan, you must complete several steps:

• Fill out an application at a representative office of a banking organization or on the official website.

• Provide a list of required documents (constituent, financial, documentation of business activities).
• Wait for the creditor's decision.
• If the application is approved, then the manager will call the potential borrower to clarify all the nuances of obtaining a loan.

It is important to note that such a program has some limitations, therefore it is not available in all cities of Russia.

If the future client cannot find guarantors and provide collateral, then there is another option for obtaining a loan for the development of an individual entrepreneur. To do this, you need to submit an application for a consumer loan.

Lending terms:

• The loan is non-targeted.
• The maximum loan size can be 1,500,000 rubles.
• Loan period 3-60 months.
• There are no hidden fees.
• No collateral required.
• The interest rate is formed on an individual basis and can be 14.9-22.9%.

Thus, a novice businessman can take advantage of several offers from a financial institution.

Loan for individual entrepreneurs with zero reporting

An individual entrepreneur must submit special reports, even if he does not carry out his main activity. Such reporting is considered zero. Is it possible to get approval for a loan in such a situation?

Any financial organization, before making a decision on an application from an individual entrepreneur, first of all takes into account financial statements. Therefore, they try not to cooperate with businessmen whose reporting is zero. To increase the chances of approval, it is necessary to provide liquid collateral or find solvent guarantors.

Primary requirements:

• If the entrepreneur has a zero declaration, then the main condition for lending is to carry out activities for more than 1 year, after passing the registration procedure. If the borrower can document their income, then no security may be required.
• Submission of documents: statement of financial condition, registration certificate, zero reporting and others.

However, you need to understand that in this case, banks are trying to minimize their risks, so they provide a small amount at high interest rates, compared to loans that are issued to companies with existing income.

Working for yourself is much more interesting and, most often, more profitable than for a third-party organization. Therefore, citizens are interested in starting their own business. But not every person has his own funds to start an activity. Therefore, the issue of lending to start-up entrepreneurs (IE) is extremely relevant. Next, we will consider the features of processing bank loans and the procedure for receiving gratuitous assistance from the state.

How can a start-up entrepreneur get a loan?

In almost all banks, the most basic requirement for a client-entrepreneur is that he or she has experience in this area of ​​activity. Some institutions consider applications if the work experience is at least a year, others - at least 6 months. In any case, an unemployed citizen or an employee who has just decided to start a business is unlikely to be able to get a loan from a bank as an individual entrepreneur for these purposes.

Almost the only way out in this situation will be. Such loans are issued for any purpose, so the funds can be used to open your own business. The disadvantage of this solution is that a citizen can receive a rather modest amount of . In addition, the cost of loans for individuals is an order of magnitude higher compared to loans for businesses.

You can also consider getting a loan from outside the bank. But a private loan or a loan from a non-bank financial institution usually involves high interest rates for using the funds.

An alternative to a loan can be government assistance for starting a business. The Employment Center offers unemployed citizens a subsidy in the amount of an annual unemployment benefit. The amount depends on the salary level for the previous period, but cannot exceed 58,800 rubles. Those. This is not a loan, but gratuitous financing.

To receive funds from the Center, the borrower must:

• register with the Unemployment Center;
• take a training course “Features of Entrepreneurship”;
• write and defend your own business plan before the commission;
• obtain consent to issue financing;
• register as an entrepreneur;
• get money and start your own business;
• report on the funds spent (confirm their intended use).

You can also use programs from banks with state participation (Sberbank, Rosselkhozbank, VTB). SME Bank also offers assistance in financing entrepreneurs. Support is provided through partner banks, which independently decide whether to provide a loan or refuse. Therefore, such programs are mainly provided to existing enterprises with experience in business, rather than to newbies.

Features of a loan for opening an individual entrepreneur

An individual entrepreneur is a citizen and a legal entity at the same time. Therefore, a bank loan can be issued both as part of the provision of services to organizations.

It should be understood that any loan received by an individual officially has nothing to do with the business. When considering issues in bankruptcy court, these loans cannot be written off.

Regardless of how exactly the loan is issued (to an individual or an organization), most banks ask for collateral as a guarantee of repayment of the debt. The collateral can be:

• real estate (residential, commercial);
• a vehicle (for personal use or used for business purposes);
• equipment, special equipment;
• inventory, raw materials and supplies.

Usually, when lending to individual entrepreneurs, bank employees carry out a full financial and economic assessment of the activity with a visit to the place of business. But when financing the opening of a company, clients still have nothing to show, since there is no activity. To increase his chances of receiving a loan from a bank, the client can voice what investments he has already made in organizing the activity, and confirm this documentary or visually:

• provide a receipt for the purchase of raw materials, building materials, equipment (or a receipt for prepayment);
• provide a certificate of ownership (or a signed lease agreement) for the property that will be used in the business;
• show the property that is intended for the activity;
• provide an account statement or demonstrate your own savings.

Before applying for a loan for an individual entrepreneur, you should understand what types of loans there are.

• factoring – covering receivables with debt;
• leasing – the client uses the loan subject as a lease, and becomes the owner only after full payment of the debt under the contract.

Loan payments may be as follows:

• annuity (every month the total payment amount is the same);
• differentiated schedule (the body is paid every month in equal parts, the interest gradually decreases);
• individual schedule (set taking into account the specifics of the client’s work).

Banks providing loans to individual entrepreneurs: review of offers*

As part of the product, Business Start issues a loan for the purchase of a franchise or the organization of a business based on an existing standard project. In the latter case there are some peculiarities. To expand the sales market, a well-known trademark is not used; the borrower works independently.

A franchise involves opening your own business under a well-known brand using a well-promoted brand and established business connections. The borrower receives comprehensive support in all aspects of the business from the franchisor (owner of the trademark), as well as from Sberbank. The client uses a ready-made business plan that has already proven itself to be successful and profitable, rather than coming up with something of his own. This allows you to significantly minimize the risks of entrepreneurial failure.

Loans for individual entrepreneurs from Rosselkhozbank have an agricultural focus (purchase of grain, young animals, etc.). You can also get a loan secured by purchased equipment and apply for a loan to purchase business real estate. As part of the “State Contract” product, entrepreneurs can receive up to 45 million rubles to ensure the execution of the State Order.

No collateral is required for this loan, and the amount can be disbursed in full (up to 100% of the required amount). The loan repayment schedule can be drawn up individually, taking into account the receipt of payments from the customer. But loans from Rosselkhozbank can be obtained by those entrepreneurs who have been working for at least a year. Those. The offer can be taken advantage of if a decision is made to open a new line of business in the presence of an existing one. For example, the borrower raised cattle and now decided to grow wheat.

VTB 24 issues an “Investment” loan for the implementation of new projects. Credit money can be used for construction, repairs, purchase of real estate, special equipment, etc. A loan can be issued for a period of up to 7 years; it is allowed to cover the loan with collateral only for 85% of the total debt. Applications from 4 million rubles are considered. and higher. You can fill out the form directly on the website.

*Data update date – April 2015.

Until recently (five to seven years ago), banking organizations were reluctant to lend to small and medium-sized businesses who were just starting their entrepreneurial activities. Currently, the situation has changed dramatically and all kinds of consumer loans have become available to individual businessmen for the development of their private projects.

Modern business lending mechanisms have already been sufficiently improved so as not to limit the requests of clients engaged in their own business. Today, individual entrepreneurs can get a profitable loan from a bank under various programs - for specific purposes, for business development, with or without guarantors, with or without collateral. We’ll talk further about the most attractive offers from financial companies for individual entrepreneurs this year.

Features of obtaining a loan for individual entrepreneurs

This year, Russian banks will present all kinds of loan programs for individual entrepreneurs. According to some of them, businessmen can get a loan even without guarantors and without collateral.

Financial institutions often issue loans to entrepreneurs for the following purposes:

• to establish a business;
• purchase of special machinery and equipment;
• purchase of necessary raw materials;
• for investment projects;
• for the acquisition of real estate;
• for the purchase of specialized vehicles and other purposes.

The most pressing issue for individual entrepreneurs who decide to take out a loan from a bank is the amount of the annual loan rate in those offers where guarantors and collateral are not required.

According to Article No. 317.1 of the Civil Code of Russia, financial companies have the right to independently set interest rates on their credit programs. Full text of the article is available

Requirements and documents

In order for an individual entrepreneur to take out a loan without collateral and without guarantors, he needs:

• study all existing offers of banking organizations;
• choose the most suitable project for yourself;
• collect a package of required documents;
• Appear in person with the prepared documentation to the bank.

At the bank, first of all, the client will be asked to fill out a loan application form (a form to fill out and a sample form will be provided). In addition to this form, the borrower must present the following documents to bank employees:

• your civil passport;
• a certificate stating that the applicant is registered in the State Register as an individual entrepreneur;
• a certificate confirming the registration of an individual entrepreneur with the tax service;
• papers proving the existence of a business - cash register receipts, acts of acceptance and transfer of work, invoices, sales receipts, and so on;
• documents confirming the right to the entrepreneur’s property (only if collateral is required);
• reporting act from BKI;
• If the loan is provided without collateral, then guarantor documents will most likely be required.

The bank may also offer to open a credit or debit plastic card (usually this card is needed to transfer a loan, or the bank initially issues a loan to the card. For example, using this scheme you can get money from Touch Bank. Details). Additional documentation will be required for these purposes.

List of bank offers

Study the offers and apply for the one that is most attractive to you!

This year, many leading Russian banks are offering loans to entrepreneurs without collateral. The best offers for domestic representatives of individual entrepreneurship are:

Superplus program from Sovcombank – loan for small and medium-sized businesses, loan amount within 1,000,000 rubles, interest rate – from 19%.

Project for individual entrepreneurs "Trust", Sberbank of Russia. They issue cash for any purpose without collateral or guarantors for up to 3 years. The maximum amount is 3 million rubles at an annual interest rate of 17%.

“Credit Business” program from Promsvyazbank. The maximum amount for an individual entrepreneur to develop a business in this bank is 3 million rubles. The percentage is set individually.

"Business lending" from Otp-Bank – a project to support small businesses, a flexible approach to borrowers, long-term cooperation, interest - from 18% per year. Consideration of an individual entrepreneur's application lasts 24 hours.

“Overdraft for Business” program from the banking company “Tochka”. According to the terms of the individual entrepreneur, they will issue a loan in the amount of 30,000 - 500,000 rubles. The rate is 21-25% per annum.

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

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

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

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

1. Loan for starting a small business - assistance to a beginning entrepreneur

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

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

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

All that remains is to present your ideas to creditors and make them believe in the commercial potential of the future business.

But remember that only about 10% of small businesses break even or at least do not go bankrupt in the first 1-2 years after opening.

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

Condition 2. Availability of security and guarantor

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

The following is taken as collateral:

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

It’s even better if, in addition to collateral, you have guarantors - individuals or legal entities. 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;
• There are no existing loans.

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

Condition 4. Complete package of documents

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

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

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

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

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

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

Open checking account– no businessman can do without it.

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

Step 1. Select a bank and lending program

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

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

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

Other important criteria:

• independent bank rating– in Russia the most authoritative rating companies are RA “Expert” and “National Rating Agency”;
• experience– you should not trust institutions that opened less than 5 years ago;
• financial indicators– if banks have nothing to hide, they publish financial reports on their website;
• reviews from other businessmen who have already used the company’s services;
• Availability of preferential loans with state support- in case you manage to 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 are applying for a secured loan);
• business plan;
• income certificate (if any).

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

Step 3. Submit an application

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

Do not try to hide information that is important for the lender - bankruptcy in the past, existing loans. The Bank'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. 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 calm environment. It’s even better to have it studied by a lawyer who understands the intricacies and pitfalls of business lending.

What to look for:

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

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

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

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

Step 5. Receive funds and open a business

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

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

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

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

1) Sberbank

– the most famous bank in the Russian Federation, the leader of the country’s credit market. Uses the services of this organization 70% of Russia's population. Here they issue loans to individuals and 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 other programs - “ Loan to replenish working capital», « Express bail», « Loan for the purchase of equipment and transport», « Leasing», « Business Asset», « Business-Invest" and others.

– loan programs for individuals and beginning businessmen. 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 from 15%. The interest-free period 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 a non-targeted loan without collateral in the amount of up to 3 million rubles and a 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" Take advantage of VTB Bank's offers depending on your goals.

4) Alfa-Bank

– loan programs for business and regular consumer loans in the amount of up to 5 million.

Pay attention to the unique product from Alpha - the Gemini card. This is a debit and credit card in one piece of plastic. Renewable limit – 500,000 rubles. The grace period applies to cash withdrawals. The record period of preferential use is 100 days.

5) Renaissance

– consumer loans for any needs in the amount of up to RUB 700,000. Special conditions for bank clients 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 preferential loan 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 loan to start a small business - 4 useful tips

If you want to increase the chances of a positive response from the bank - use our advice.

Read, memorize and put into practice!

Tip 1. Seek support from financial funds

If you do not have collateral, additional income and other obvious signs of solvency, try taking advantage of preferential loan programs and with the help of Entrepreneurship Centers In your city.

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

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

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

Tip 3. Provide collateral and issue a guarantee

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

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

Tip 4. Use the services of financial brokers

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

6. Conclusion

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

Question for readers

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

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

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