I need an urgent loan for a business. Loans for business for a ready-made business. For what purposes the loan is provided

A loan for a business in Moscow and the regions today is an important factor in the successful development of almost any enterprise. To implement your plans, Promsvyazbank offers favorable conditions for a small business loan - specially developed unique products.

Credit-Business is a program for clients who seek to develop their business, but do not have the necessary funds for this. Having issued a loan to replenish working or fixed assets (3-9 million rubles), within 5 days you can implement the outlined business plans.

For those who are thinking about expanding their business, PSB offers the "Credit-Invest" program - an opportunity to purchase on favorable terms equipment, vehicles, repair production or office premises, replenish working capital.

Interested in the question long-term financing business? A floating rate loan will provide your company with stability in a volatile financial market.

Lending terms

The main conditions of a small business loan in PSB:

• an individual entrepreneur, LLC can act as a borrower, Joint-Stock Company, an individual, namely a citizen of the Russian Federation, who owns a stake in a small and medium-sized business, individual entrepreneur, the sole executive body of the enterprise.
• the borrower must have a permanent registration in the region of the bank's presence for at least 1 year;
• the company must be registered and operate in the region of the physical presence of Promsvyazbank;
• an important condition - the period of the actual activity of the enterprise must exceed 36 months.

Our advantages

Using banking products PSB, you can count on reliable and efficient cooperation. Promsvyazbank is one of the leading private Russian banks and is one of the 500 largest financial institutions in the world in terms of size equity capital... We guarantee:

• favorable terms for business lending in Moscow and the regions;
• wide range banking services, lending programs for small and medium-sized businesses;
• professional advice on all issues.

We will select the best financial solutions for you to implement any ideas!

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

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

To increase the chances of getting a loan for an individual entrepreneur, it is recommended to correctly draw up a business plan, find guarantors or provide liquid collateral in the form of real estate. Having a positive credit history is also important indicator 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 carry great risks, so the size of the start-up loan is small and the interest rate is high.

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

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

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 the following products to businessmen:

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

It is important to note that not all banks cooperate with aspiring businessmen. Therefore, you need to carefully study the conditions. Experts recommend taking out a loan in a financial institution, where to open a current account.

The best loan offers for businessmen in 2017

Sberbank of Russia

A profitable loan for a beginner individual entrepreneur is offered by Sberbank of Russia. The product "Trust" allows you to realize your idea. Business loan conditions:

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

Bank of Moscow

The financial organization has developed a universal loan for the opening and development of entrepreneurial activities.

• The loan amount is 150,000 - 150,000,000 rubles.
• The crediting period is 1-60 months.
• The interest rate is formed 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 the application can be filled out on the website, and in a few minutes you can find out about the decision.

• The loan amount is 15,000 - 750,000 rubles.
• The crediting period is 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 amount is 30,000 - 500,000 rubles.
• The interest rate is formed individually and can be 15.9-29.1%.
• Lending period: 24-60 months.
• No collateral required.
• For registration, it is enough to present a valid Russian passport and an additional document.

Sovcombank

Lending terms:

• The maximum loan amount 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 pick up an offer on favorable terms.

Loan conditions for individual entrepreneurs at Sberbank. Calculator for 2017

Sberbank of Russia offers various products for individual entrepreneurs. One of these programs is the "Business Project", which allows 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 lending.
• A long period.
• An extension can be obtained if necessary.
• Consultation of specialists.

Conditions for granting a loan for individual entrepreneurs:

• The crediting period is 3-120 months.
• Minimum bet the percentage is 11.8%.
• The loan is provided only in Russian rubles.
• Minimum availability of own money: 10%.
• The principal can be deferred by one year.
• Loan amount: 2,500,000 - 200,000,000 rubles.
• Collateral in the form of liquid collateral or surety is required.
• There are no additional fees.
• When providing a collateral, the property must be insured.

To obtain a loan for starting a business, you need to fill out an electronic application form on the Sberbank website. All information must be correct to eliminate the risk of rejection.

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

It is important to note that the calculator provides approximate figures. More precise information should be checked with the bank manager.

Loan without collateral and guarantors at Sberbank. Is it possible to arrange and how to do it?

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

To obtain a loan, on the website of a financial organization, go to the "Small Business" section, then select "Loans and guarantees", where click on the "Business Trust" tariff.

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

To receive long-term loan, you need to 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, business documentation).
• Wait for the decision of the creditor.
• If the application is approved, then potential borrower the manager will call 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 leave an application for a consumer loan.

Lending terms:

• The loan is inappropriate.
• The maximum loan amount can be 1,500,000 rubles.
• The crediting period is 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 of 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 to be zero. Is it possible to get approval for a loan in such a situation?

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

Primary requirements:

• If an 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 is able to document his income, then collateral may not be required.
• Submission of documents: help about financial condition, registration certificate, zero reporting and others.

However, you need to understand that in this case, banks are trying to minimize their risks, therefore they do not provide large amount at high interest rates, compared to loans that are issued to companies with an available income.

Not all "newly minted" entrepreneurs start their own business without involvement credit funds... Banks, in turn, constantly introduce such loan products and issue loans to individual entrepreneurs for business development in Moscow, in particular for the purchase of equipment, the purchase of goods, etc. Consider the terms of lending.

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

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

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

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

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

In advanced economies, individual entrepreneurship brings huge amounts of money to the state treasury. In Russia, this stratum of business is not yet highly developed, because a lot of money is needed to create your own business. You can get them in two ways - to attract an investor or to take a loan from a bank. The actual question today is how to take a loan without refusal for an individual entrepreneur without collateral and a guarantor for starting a business, because novice individual entrepreneurs cannot always provide collateral.

What is an individual entrepreneur loan without collateral and guarantors

To conduct business, it is not always required to acquire real estate and equipment that could be offered to the bank as collateral as security for the fulfillment of obligations. For the most part, this concerns the service sector - tailoring, hairdressing, etc. In this regard, loans to individual entrepreneurs without collateral and guarantors are very relevant. You can borrow a certain amount from the bank different ways, and the purpose of the loan plays a dominant role in this.

Overdraft

Overdraft lending is a non-earmarked loan. Private entrepreneurs often resort to its use to replenish working capital. This loan product is included in the line of most banking organizations and is provided to those customers who have a current account. Overdraft is charged in excess of the balance Money and is used to bridge the cash gap or for urgent payments, for example, for the supply of materials or equipment.

Regular loan

Lending to individual entrepreneurs without collateral and guarantors can be carried out in the form of a simple loan, and both novice businessmen and those who have been working in the market for several years can apply for it. You should not count on a large amount of money, but this type of loan will be relevant for solving any urgent problems. An entrepreneur can also take out loans in cash as an ordinary individual - for this option for obtaining a loan, a minimum package of documents is required, because the approval of an application for customer credit it is much easier.

Full credit line

The main advantage of a credit line over an overdraft is that such a loan is issued for a longer period. It can be renewable or not. The first option is more preferable, since this money can be used again when paying off part of the debt. Interest is accrued only on the funds used, which helps to rationally manage the loan.

For what purposes do banks provide loans to individual entrepreneurs

Although at present, loans for individual entrepreneurs without collateral and guarantors are issued by many banks, it cannot be said that lenders are willing to take this kind of borrowing, since the risk of non-repayment of the borrowed money is very likely. If a private trader has been working for several years, then it is easier to take money from the bank to develop his business, because the borrower can show his solvency by providing financial documentation, from which it will be clear that the business is making a profit. The situation is much more complicated with newcomers.

Business loan from scratch

If you decide to start your own business, but there is not enough money for this, you can contact credit institutions, although you immediately need to be prepared for the fact that not all of them will gladly lend money to start your business. In order to get a loan for an individual entrepreneur without collateral and guarantor, you will need to draw up a high-quality business plan. A serious approach to drafting this document and adapting it to the realities of work in the region will help persuade lenders to lend you the necessary amount of money.

Consumer loan for individual entrepreneurs

As already mentioned, an entrepreneur is allowed to borrow money from a bank as natural person... To do this, you can apply for a consumer non-targeted loan, which can then be used for a start-up or development of your own business. The advantage of this approach is that there is no need to report to the creditor for the money spent. In addition, there is no need to work on a business project, especially since it is advisable to use the services of specialists for its preparation, which also need to be paid.

Investment lending

In Russia, the practice of investment loans for individual entrepreneurs without collateral and guarantors is poorly developed. Only a few banks are ready to work according to this scheme, and even then they resort to such special offers rarely. Alternatively, you can turn to private investors who will agree to allocate money for startups if they see that it is possible to make a profit from this. However, in any case, to implement this idea, you will need a quality business plan.

For business development

Without the presentation of liquid collateral and guarantors of individual entrepreneurs, it is easier to issue a loan for the development of an existing business. In this case, it is recommended to contact the bank where the current account is opened. So the lender can see the movement of working capital and assess how profitably the borrower's business is functioning. Depending on this, not only a certain amount will be offered, but also individual terms of service - the size of the interest rate and the term of the loan.

Relending

If the loan burden during business becomes exorbitant, and it is difficult to calculate on the existing debt, you can contact the lender for refinancing the existing debt. The advantage of a banking program is that the existing debt is broken down over a longer period, and monthly payments decrease. However, you need to understand that in the end you will have to return a large margin to the bank in the form of accrued interest.

Leasing programs

If money is needed to purchase equipment, commercial real estate or vehicles, banks offer individual entrepreneurs to use leasing programs. The program is especially relevant if you need to purchase expensive property. If certain conditions are met, entrepreneurs are provided with property for a specific period for an agreed payment, which can subsequently be redeemed. A clear advantage of the leasing option of lending for individual entrepreneurs is the absence of the need to provide collateral.

Small business lending without collateral and guarantors

Loan programs for individual entrepreneurs are diverse. Proposals have different interest rates and are provided for a specific period, and the amount of loans also differs depending on the lender. This is due to the fact that the consideration of applications from applicants takes place on an individual basis. For beginner individual entrepreneurs, it will be more difficult to get a loan without guarantors and collateral. The amount itself will be small, since newcomers are in the first risk group and banks are always reinsured, since there is a possibility of not getting back the money borrowed by the IP.

Interest rates

If a pledge or surety cannot be provided by the borrower, then one should not expect low interest rates from the lender. Their value may vary depending on the selected credit proposal... The interest rate is directly related to the success of the business, good credit history and other circumstances. Decrease interest rate will help additional insurance risks and life of individual entrepreneurs.

Loan term and amount

As for the timing of the provision of money, it all depends on the product chosen. For example, an overdraft loan is provided for a year, while a credit line can be opened for 3 or even more years. Loans for a minimum period are popular, because the overpayment in this case small. Don't count on large sum money if a loan for an individual entrepreneur is requested without collateral and a guarantor. The debt can be repaid according to an annuity, differentiated or individual payment schedule.

Borrower requirements

In addition to the mandatory requirements of banks for the success of doing business or a well-written business plan, the borrower himself must meet certain parameters. Each lender has his own idea of ​​the ideal borrower, but for most banking institutions the following parameters are dominant:

• Russian citizenship;
• registration in the region of doing business;
• age range (mainly from 21 to 60 years old);
• positive credit history;
• the presence of employees (not always).