Types of loans provided to small businesses. How to get a loan for small business from the state: types of loans and documents for receipt. Procedure for obtaining a concessional loan

03 Sen.

Hello! In this article we will tell about how to get a loan for small businesses from the state.

Today you will learn:

1. What are the types of loan from the state for business.
2. Who can receive state support.
3. What organs to seek help.
4. What documents must be collected.

The government offers an alternative - state support for small businesses. But before turning to the authorities for help, it should be understood what kind state credit It will be optimal for you - it is from this that we will begin.

Types of loans from the state for business

In 2017, the Government actively supports novice entrepreneurs and provides assistance in the form of such forms of material support as:

• Microfinance small businesses;
• Guarantee from the state;
• (gratuitous credit);
• Compensation payments;
• Tax relief.

Now we will look at each of the types of state support for small and medium-sized businesses separately.

Microfinance small business

Each region of the Russian Federation has a microcredit fund of small and medium businesses. It is he who promotes the issuance of borrowed money Entrepreneurs on a preferential basis.

Lending conditions in each region are different. The essential advantage of this type of lending is its availability: money is provided regardless of the employment area.

There are only some restrictions that are defined by each region independently. For example, for Moscow is the limitation of the summendant to the young entrepreneur.

The averaged conditions for obtaining a preferential loan:

• or physical () on the territory of the subject of the Russian Federation, in which the loan will be obtained;
• From 50 thousand to 1.5 million rubles (limitations may be imposed depending on the organization's activities);
• Interest rate preferential loan ranges from 8 to 12% and will depend on the prospects of your business, market needs, borrower solvency, quantities borrowed money and credit period, type of provision;
• Money is provided under the provision: property deposit, guarantee, pledge of the product in circulation, other;
• The loan is issued in non-cash form;
• In case of non-compliance with the terms of the provision of money, penalties are provided in the form of an increased interest;
• There is a limit on the number of loans;
• The duration of consideration of documents for the provision of funds is from 5 to 10 days depending on the region.

State guarantee

In this case, the money will give you commercial Bank, and the State Fund represented by the Federal Notary Chamber will speak by the Guarantor. However, it should be borne in mind that not all participate in the state program commercial banks. Them full list In your region, you can get on the official website of the Government of the Russian Federation.

Unlike the first option, the receipt of funds under state guarantee does not differ in terms of the usual loan. Consideration of the application will not be rapidly. Also get prepared for the fact that the Foundation will not be charged in the entire amount, but only for a part.

The most likelihood of obtaining the property of the Foundation has the enterprises of the Social Area for servicing citizens, production and industry, innovation. Special attention When considering the application for a guarantee, the Fund draws to the number of jobs created by the Organization.

Subsidies

The subsidy is the most desired entrepreneur the type of state support. The thing is that it is provided to businessmen at no cost.

However, not all entrepreneurs may receive subsidies.

Businessmen need to comply with sufficiently harsh conditions for obtaining:

• It is necessary to stand in the center of employment as unemployed;
• Answer questions of psychological test in the same employment center;
• Pass learning in the direction of "Entrepreneurship";

At the same time, all waste of government money must comply and confirm documented. After the entrepreneur receives a positive response from the center, he must register his company. Only after that money will go to the account.

It often happens that in granting subsidies, the entrepreneur refuses. Grant can be allocated for a purchase or, equipment or product for sale, intangible resources. It must be indicated in your business plan.

Grant

It is also provided to businessmen free of charge. The disadvantage of grants is that not everyone can get it.

The grant is entitled to:

• Novice entrepreneurs (lead activities not more than 12 months);
• Entrepreneurs who do not have debts on taxes, loans;
• Enterprises that create many jobs.

Also, to obtain a grant, the importance of the area in which the organization is functions. Each region defines these areas on their own.

Compensation payments and tax odes

In this case, the state simply compensates for the entrepreneur part of cash, which he spent on business development.

Such relaxation can count: companies that produce innovative products, enterprises producing import-substituting goods, as well as service manufacturers.

As for tax sending, in 2017, a novice entrepreneur has the opportunity to take the so-called. They are to liberate a businessman from paying taxes within two tax periods.

You can take advantage of vacation if:

• You are a novice entrepreneur;
• Organization on one of the following taxation systems: or;
• You are busy in the field of production, social security or science.

Requirements for borrowers

Let us consider in more detail what claims for applicants for government support are presented to obtain one or another benefits. Information is shown in the table.

	Terms of receipt	Important features
Microfinance	- registered in the region of obtaining funds; - the loan must be provided by property	- Purpose: Development of small and medium businesses; - loan terms - no more than a year
State guarantee	- the bank must participate in the state program; - You must be a valid organization of at least 6 months; - obligatory registration in the region of obtaining a loan; - You do not have problems with creditors and tax; - It is necessary to repay a certain percentage of the loan with its own means (installed in each region)	— Priority species Financing activities are: production, innovative activities, construction, services for the provision of services, transportation, tourism (across the Russian Federation), education, medicine, housing and communal services. - does not apply to the extraction and implementation of fossil, gambling area, banking and insurance, Funds valuable papersLombardy
Subsidy	- the significance of the business for the subject of the Russian Federation. In each subject, their significant directions (learn the priority areas of activity for your region can be on government resources); - the presence of a business plan, which must comply with certain criteria (also installed in each region); - the entrepreneur must invest a certain amount own funds (Depends on the program)	Funds are issued for the purchase: - raw materials and materials; - manufacturing equipment; - Intangible resources. The term of use is limited. As a rule, amounts to 1-2 years
Grant	- Entrepreneurship is less than a year; - The businessman has no problems with loans and loans ("net" credit history); - the company creates a certain number of jobs; - You did not receive other state benefits; - availability of own funds	Means highlighted the development of medium and small businesses
Compensation payments	Borrowers can be: - manufacturers and developers of an innovative product; - sellers of import-substituting goods; - organizations employed in the provision of services	Trucks: the development of medium and small business
Tax breaks	- Employment of business activities no more than a year; - You are on the tax system: PSN or USN; - Assistance is provided to firms engaged in science, production providing services to the population.

Summing up, we can say that government assistance is available for:

• Novice businessmen ();
• Organizations employed in the field of production, the development of innovative goods;
• Enterprises providing services to the population;
• Entrepreneurs without problems on loans.

Where to contact

For each material benefit is responsible state bodyTo which the entrepreneur should apply.

Microfinance is engaged in the Enterprise Support Fund in your region. To get a loan on preferential terms, you need to collect a package of documents (it differs for IP and legal entities).

You can familiarize yourself with this question in more detail on the official website of the Foundation in your region, we will call only the main generally accepted documents:

• Application and application form, as well as guarantor;
• Entrepreneur data;
• Constituent documents;
• Extract from the register of small and medium-sized businesses;
• Certificate of introduction to / and extracting from there;
• Copy of the applicant's passport;
• Copy reduss;
• Licenses for activities;
• Accounting and tax reports.

After you have collected all documents, you should apply for a loan to the Support Fund. You can also download such a statement on the official website of the Foundation in your region.

For state guarantee, you should contact all the necessary documents to the bank, which participates in the affiliate program with the Fund for the Promotion of Entrepreneurship.

Already the Bank itself will appreciate the possibility of state support and transfer the application to the Fund, which considers it within three days. The standard package of documents required to obtain a loan should be attached to guarantee.

Subsidy or grant can be obtained from the labor exchange. To do this, you must comply with a number of conditions that we have already told above. The package of documents for the subsidy includes an application and a business plan.

You can get compensatory payments at the Employment Center. To do this, provide a business plan and a corresponding statement.

For receipt tax benefits Contact B. tax inspectionThere you will receive information and documents that you need to collect.

Non-state support for small business

If you do not pass by any parameters to obtain state aid, you can apply for non-state help to small businesses.

Such assistance is provided non-state funds With bank organizations, it is expressed in the form of a grant. At the same time, the non-state grant may be issued both with return and free of charge.

Obtaining a grant occurs on a competitive basis. At the same time, the members of the commission will be assessed by the economic benefit of the project.

To the standard package of documents for receiving a grant, you will need to attach the product and its cost.

Today there is a direct financing of individual entrepreneurship at the expense of the state. To support small businesses in 2020, several state programs were developed, whose goal is to assist IP. Many of the projects have been actively active for several years, others have just started their development.

Small Business Support System in the Russian Federation

The most common practice is the compensation of the part interest rate for credit. Suppose the company attracted funds to finance its current activities under 15% per annum. The refinancing rate is currently 7.75% per annum. The state can compensate for up to 3/4 from the refinancing rate, or up to 6% per annum. Thus, the enterprise will pay for the loan by 15% per year, and only 9%. After all, 6% compensates for him.

Support for small entrepreneurship in 2020 - measure is very good and attractive. But she has two problematic issues. First, not every small enterprise is credited, especially now, when the policy of banks in terms of the provision of funds has tightened. Secondly, to obtain compensation, it is necessary to collect a fairly voluminous package of documents, which will not go any small enterprise. Often the small business accounting is carried out on outsourcing, so it is not completely obvious who will form required package documents. Nevertheless, this measure works in all regions and is the most popular.

Who provides support for small entrepreneurship in 2020?

Currently, state support measures for small businesses are governed by a number of specialized regulations of both regional and federal importance. The existing small business support system in 2020 includes commercial and non-commercial financial institutionsacting as a kind of mediator between the IP and state authorities:

• private banking and credit institutions,
• investment and venture funds,
• private and public business schools,
• non-profit partnerships and public organizations.

The efforts of the legislative power system of interactions of all links of this chain is increasingly simplified, and the interaction itself becomes more efficient and affordable.

Two other state support tools implements the support and development of entrepreneurship, which exists on each territory and is created on the basis of the Federal Target Program for the establishment of the support infrastructure and the development of small and medium-sized businesses. The first tool from their number is microcredit. Depending on the economic situation in the region, the support and development of entrepreneurship issues loans to enterprises without collateral, under promising projects or to finance current activities.

The third tool for state support for small businesses in 2020 is the guarantee of the Foundation for Support and Entrepreneurship Development. With insufficient or quality of collateral, a small enterprise can contact the support and development of entrepreneurship. This organization will consider the application and, if a positive decision takes a positive decision, make an agreement of the guarantee with the bank. As a result, the company does not need to look for a pledge for financing, everything can be done faster and easier.

Thus, small businesses have enough opportunities to receive state support for lending. In fact, a small enterprise can quickly raise money at a low interest rate, taking into account subsidies. This allows enterprises to earn additional profits and use it for further investment in development.

What kind of help can count the entrepreneur?

According to the current legislation, each citizen who passed the official registration procedure as an IP or founder of LLC may expect to support state support. Receive material assistance In the form of subsidies, a young business can, from the moment of registration of which has not passed more than two years.

The size of the state subsidy is calculated from a number of objective and subjective reasons, in particular, depending on the region in which business registration was carried out. For example, for Moscow entrepreneurs maximum size Subsidies equals 500,000 rubles, while in most subjects this indicator does not exceed 300 thousand.

Among the measures for state support for small businesses can be noted free programs Professional formations that will help beginner entrepreneurs to gain knowledge and skills for business. An interesting proposal acting in some regions is preferential lease terms. municipal property For small business representatives.

The volume of loans to small and medium businesses in Russia in 2017 increased by 15% against the background of reducing rates and the action of preferential state programs, found out in Expert RA. Since the crisis of 2014, for three years, lending to SMEs decreased

Photo: Kirill Kitigar / Kommersant

Signs of life

In 2017. russian banks They gave out 6.1 trillion rubles to small and medium enterprises. Credits are 15% more than in 2016, it is said in the study of the expert RA rating agency (RBC) dedicated to small and medium-sized businesses (SME). The sector demonstrates the growth for the first time since 2013, the volume of issuance is the largest for three years, but the pre-crisis values \u200b\u200bof the lending to SME in Russia still did not reach: according to the results of 2013, SMEs were issued 8.1 trillion rubles. loans.

If you rely on the data of the Central Bank, the Credit Portfolio of the SME in the Russian banking sector is reduced by the fourth year in a row - minus 7% for the results of 2017 (up to 4.2 billion). But the "expert RA" calculated that the negative dynamics is due to changes in the register of small and medium-sized businesses in August 2017. Because of this, more than 600 thousand organizations, some of them with a credit burden, ceased to be considered subjects of SMEs. If it were not for this circumstance, the loan portfolio for the first time since 2014 would also have grown up - up to 4.9 trillion rubles, the authors of the study were calculated. The volume of the loan portfolio is less than the volume of loans issued due to the predominance of Credit SMEs for a period of up to one year.

The study "Expert RA" is based on the official statistics of the Central Bank, the results of the survey of banks, as well as in-depth interviews with the participants of the SME lending market (representatives of 47 banks).

What business in Russia refer to small and medium

For small and medium-sized businesses in Russia there is a legislative definition. In micro-enterprises, up to 15 people should work, in small - up to 100, on average - from 100 to 250 people. To include in the SC group, there are restrictions on revenue - 120 million, 800 million and 2 billion rubles. For micro, small and medium enterprises, respectively.

main reason Rising trend in the lending market for small and medium-sized businesses - a decrease in interest rates on loans for this category of enterprises. The weighted average rate on long-term loans in this sector decreased from 14.2 to 10.9%, for short-term (up to one year) - from 14.8 to 12.4%.

In addition, in 2017, individual entrepreneurs received individual entrepreneurs in 2017 (under 6.5% per annum) received individual entrepreneurs. Finally, the government approved new programon which the loans of SME enterprises working in priority sectors will subsidize from federal budget under 6.5% per annum (now real rates preferential credits 9.6-10.6% are a preferential rate plus a bank margin in the amount of 3-4 pp). The priority sectors include agriculture, manufacturing, construction, transport, communications, tourism, health care and waste disposal.

According to Expert RA, not only the volume of lending, but also the number of applicants filed and approved applications for SME loans. The first indicator grows one and a half times the second year in a row (based on a survey conducted by the rating agency among banks), and the number of actually concluded agreements on the results of 2017 also increased by one and a half times after a decrease in a year earlier.

Market for state banks

Considering that the main drivers of lending to SME lending remains the state program, for banks that are not among the largest, there are less opportunities to compete in the loan market to rare enterprises. At the end of 2017, the share of SME loans, issued by banks from Top-30 in assets, reached a historic maximum - 66% (in monetary terms, the ITB loan portfolio in the largest banks amounted to 2.8 trillion rubles). The total amount of loans issued by banks from the top 30 small and medium enterprises in 2017 showed an explosive growth - plus 34%, up to 4 trillion rubles. (There was no such dynamics since 2011).

The leader in lending to SMEs in 2017 was Sberbank - the largest russian bank In fact, alone ensured the growth of the sector in 2017 (without taking into account Sberbank's indicators, the cumulative loan portfolio of SME would decrease by 14%). Gosbank increased the Credit portfolio of SME by 17%, and the amount of issuance is 60%. Also in the top 5 of the largest lenders of small companies in 2017, VTB, Moscow Industrial Bank, St. Petersburg Bank and Alfa Bank were included. Mosoblbank's loan portfolio increased faster (four times), " Russian capital"(Plus 174%) and SMP Bank (plus 104%).

In the case of small banks, the situation is directly opposite. For the year, the volume of issuance of ICC loans decreased by 9% (up to 2.1 trillion rubles), a loan portfolio - by 24%, to 1.4 trillion rubles. (minimum since 2011).

The reasons for the leadership of large banks are somewhat more often involved in state support programs and are more active than small banks, offer borrowers from SMB preferential debts refinancing conditions.

What do they take and when will be returned

In 2017, more than half (51%) loans issued to small and medium businesses accounted for the trade sector. Banks traditionally lend this sector most willingly, notes Expert RA. At 14% of loans accounted for small enterprises in the manufacturing industry and construction, 6% - in insurance and financial SMEs. Agriculture In the general structure of lending to SMEs, it looks modestly (share of 3%), however, participants in the survey of expert RA noted the intensification of lending to the industry, and some banks (VTB24, Ak Bars, Raiffeisenbank) increased the share of loans in this direction by 49-68% .

Mostly small companies take a short time (up to the year) - money is needed to finance the working capital and eliminate cash ruptures. However, as noted by the Expert RA, in 2017, the share of loans for investment projects to small and medium businesses (that is, for a period of three years) exceeded the pre-crisis indicators, reaching 18% of the total lending.

Enterprises from SMEs are still the most unreliable borrowers. The share of overdue debt in the Credit portfolio of SMEs is 14.9%. It is much higher than retail loans (7%) and loans to large businesses (5%). Do not give debts mainly to banks that are not included in the TOP-30 - they have a share of overdue debt of this group reaches 21.7% (increased by 6 per year).

Growth will continue

"Expert RA" predicts that with a stable price for oil, inflation and continued reduction key bet The Central Bank of the SME Credit Portfolio in 2018 will increase by 15%, up to 4.9 trillion rubles. (For the base, the agency takes data from the official statistics of the Central Bank). At the same time, the banks will not hurry with mitigating lending conditions: only 14% of banks from the survey participants "Expert RA" are ready for such a step. The rest are either not going to change the approaches to the assessment of borrowers (57%), or will be tightened (29%).

The main increase in lending to SME in 2018 will have to large banksthat will increase credit limits to the most high-quality borrowers, RBC said the managing director of banking ratings "Expert RA" Alexander Sarayev. A group of SMB borrowers with a middle risk, with which the average and small credit organizationswill still experience substantial limitations in borrowed resources. According to Sarayev, it can be expected that against the background of a reduction in the risk appetite in medium and small banks, financing deficit in a wide range of SME will increase, despite the overall growth of the market.

The SME lending market has a prospect except for companies that have sufficient and stable revisions on accounts, Senior Analyst Fitch Alexander Danilov. Only so banks in which these companies are served can more or less reliably assess their solvency, while their reporting is non-informative. "For customers from the street, a loan will be problematic - banks are reluctant to do with it, because it is difficult to assess the risks," the Danilov clarifies.

RBC interviewed representatives of Russian banks with capital from 200 billion rubles. On their assessment of the prospects for the lending market of SMEs. The leader in lending to the Sberbank sector in 2018 is going to increase the ITB loan portfolio from the current 1.3 trillion rubles. by 250 billion rubles. To do this, the Bank plans to develop online lending and credit analysis technology based on the use of large data. The press service of the bank noted that Sberbank in March launched online lending to small businesses. Other banks answered RBC (Promsvyazbank, Uralsib, SMP Bank) predicted that the SME lending market would grow, and they do not intend to change their approaches to assessing the quality of the borrower. "We expect that by the end of 2018, the Rates on SME loans can fall. The reason for this will be reduced rates from the Central Bank. As a result, the growth of lending to the SME segment in 2018 will continue and reaches a level of 9-10%, "predicts the Vice President - Managing Director for the Development of Small Business Promsvyazbank Cyril Tikhonov. Lending to SME will grow due to "improving the situation in russian economy"And reduce loans for loans, he believes.

Many novice entrepreneurs have problems searching for starting capital to open their own business. Various financial institutions and individuals refuse to give money to inexperienced businessmen. The only way out of this situation is to receive a loan. Loans to small businesses from the state in 2019 can be obtained on preferential programs.

Types of state aid to small businesses

Despite the delayed economic crisis, the government of our country continues to provide financial assistance novice entrepreneurs.

In 2019, they can get a preferential loan using the following forms:

• Financial interest rate compensation. The state reimburses a part of funds, which were spent on re-equipment and modernization of the enterprise. Entrepreneurs who are engaged in the development and implementation of innovative products, production of products under the import substitution program, the provision of services to the population;
• State subsidy for an advance payment under the financial lease agreement. If you take equipment or transport in leasing, within such a program, you can get a substantial discount on any technique;
• The warranty fund that acts as a guarantor to obtain a loan in the bank.

How to get a loan?

The easiest way to get a loan from the state is microfinance. it government programaimed at supporting novice entrepreneurs. To get a loan loan from scratch, you need to contact a special foundation that is engaged in supporting small businesses in your region. If you make all the documents and ensure reliable security, the chances of making money will increase significantly.

Microfinance conditions:

• The maximum loan amount is 50 thousand-1 million rubles;
• Loan period - 3-12 months;
• Interest rate - about 10%;
• Money is issued under guarantee, bank guarantee or pledge of property.

Another option is guarantee. In this case, the SMP Support Fund acts as a guarantor, and financial assistance to small businesses, a bank loan issues a bank that takes part in the implementation of this program.

Let's deal with more details, how to get a business loan through surety:

• Contact the SMP Support Fund to obtain a list of banks participating in the State Program;
• Carefully learn the list and select a suitable credit institution;
• Collect required documents and take them to the bank;
• If the application is approved, contact the Fund to provide guarantee.

The best preferential loan to small businesses from the state is allowing the factory subsidy. This program works through the employment service. It is aimed at reducing unemployment.

1. Stand up in the employment center and get the status of the unemployed;
2. Complete special tests;
3. Take the direction of entrepreneurship basics for training courses;
4. Make a business plan;
5. Register an IP;
6. Open the bank account.

Do not forget that the money received from the state has special purpose, so you can not spend them on your personal needs. The government agencies strictly control enterprises that have received subsidies, so be prepared for the fact that you can come to you at any time with an unscheduled check.

After you get and spend money, you need to report them target use. Each transaction must be confirmed by a documentary - invoice, payment order or check. If you took the money to create jobs, you need to provide copies into control labor contracts. In the case of the dismissal of one of the employees, it is necessary to take another person in a two-week period.

After submitting the report, a representative of the State Structures may come to you to verify documents with the availability of acquired tools. If you find out that you spent money not for the appointment, you will have to return the entire amount to the state.

Where to get a loan?

We looked at several ways to get a loan for the opening of a small business. State subsidies issued organs local governments and employment centers. In addition, these are centers for supporting small businesses operating in each region of our country. Such institutions work closely with the bodies of municipal self-government.

If you do not know where to get a small business loan, contact local administrationOr stand up for unemployment in the employment center at the place of residence. After that, you need to write a statement. The next step is to search for suitable and preparation of the project plan. Do not forget to calculate the payback period and business profitability. Your application will be reviewed at a special meeting. If the Commission decides that it will take a positive decision on granting a subsidy.

Now let's talk about how to get a loan for the development of small businesses. Such a subsidy is given only individual entrepreneurs or legal entities. At the same time, the age of the company should not exceed 1-2 years, that is, a preferential loan as helping small business from the state in 2019 only a young enterprise can receive. If you work in one of the priority areas of activity, you can safely count on receiving a subsidy. In other cases, the application may be rejected.

Do not forget that government assistance can only be used on intended purpose:

• Purchase of raw materials and components;
• Buying equipment;
• Purchase innovative technologies, patents and other intangible assets;
• The use of funds is 2 years from the date of issuing a loan. In some cases, exceptions are allowed.

Who give loans?

The easiest option, how to organize your business from scratch, without having starting capital on the hands is state lending on preferential terms. But one very important point should be allocated - the state usually credits only priority activities. If you have not yet decided, pay attention to the following industries:

• Housing and utilities system;
• Building;
• Transport;
• Production;
• Innovation;
• Education and sport;
• Culture;
• Health.

I would like to note separately that the most profitable business today in the small town or a major megalopolis is social protection of the population. Such a direction of activity receives maximum support from the state.

Reflecting which business to open in 2019, do not forget that the sphere of trade and catering is not subject to state lending. But still, there is a way to get a loan for small business in the field of trade. If the project is aimed at helping the socially unprotected segments of the population - pensioners, large families or disabled governmental support You are guaranteed. Before you ask for help to the state, we carefully consider what you can earn in the crisis of 2019. After that, you can make a business plan and apply for a loan into the relevant authorities.

It should also be remembered that at the expense of the state loan it is impossible to open its company "turnkey". Such programs are aimed at co-financing the project, so the businessman must invest part of its money.

Required documents

Chief flaw state lending - This is a large package of documents to be provided to the bank:

1. Certificate O. state registration enterprises or IP;
2. Constituent documents;
3. Taxpayer certificate;
4. Information about financial condition enterprises;
5. Staff schedule;
6. Request;
7. Business plan.

In addition, some banks may request documents identifying the identity of the client, or confirming its powers.

All documents considers the Special Commission. To verify information, appropriate requests for tax inspectorate and registration authorities are applied. If you have previously indicated unreliable data in financial reportsto reduce tax loadMost likely you will refuse to lending.

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State microloans

If you know exactly how to increase your capital having small amount Money, try to get microloans for business development. As part of this program, you can count on financial assistance in the amount of up to 3 million rubles for a period of 1-5 years.

This form of lending is intended for enterprises that cannot get a loan in a commercial bank.

Advantages of microloans:

• Low interest rates;
• Simple design procedure;
• Minimum requirements.

Microloam can be issued in different financial organizationswho cooperate with state funds. Before applying, first find out if you can get a loan from the state in this structure.

conclusions

Now you know how to get a loan on business development. The most important thing is to choose a priority activity and draw up a competent business plan. In this case, you are guaranteed to get help from the state to develop your company.

Constituting a high-quality business plan for starting or expanding activities, replenish and upgrades of non-regulatory funds, many entrepreneurs are looking for favorable ways Attracting additional funds. Loans for small businesses benefit from private investors' proposals. minimal rates and large selection of programs:

• Express loans - up to 200 - 300 thousand rubles. on the increase in working capital. For the design of the loan, IP and Jurlitsa engaged in trading activities may apply.
• Microcredit - up to 1.5 million rubles To replenish the main and working capital. The advantage is given to companies carrying out trade and manufacturing activities providing services.
• Small loans - up to 5 million rubles For issuing, small and medium-sized representatives can apply.
• Loans under the program "Agro +" - up to 1 million rubles Entrepreneurs specializing in agricultural sphere.
• Overdraft (consumption over the balance of the balance in the account) - up to 1.5 million rubles. on rapid turnover. The program is designed for lending to Jurlitz.
• Credit lines - the amount is calculated individually, depending on the revolutions on the account. Funds are provided only to legal entities.
• Credit cards - up to 100 thousand. For minor purchases and spending on travel. Loans are drawn up on IP and Yurlitz different spheres.

Depending on the choice of the program, the Bank is evaluating the documentation from 1 day to 2 months. Additional benefits are provided to customers that have a current or current bank account.

To whom leaned

As part of international financialization programs, the issuance of loans is not available to companies offering alcohol and tobacco products, gambling business, Real estate or c / b. The negative decision of the banks are accepted when applying for a loan to create a loan authorized Fund and repayment of current obligations.

Posantly belong to manufacturing companies. The owners of small production shops (shoes and tailors) can qualify for a loan with a large business experience, a wide range of raw materials and customer base suppliers.

Loyal conditions are provided:

• Commercial enterprises (to increase working capital) - shops, catering or beauty salons.
• Autodists, issuing a loan for the purchase of vehicles.
• Agrariy (issuance of borrowed funds is carried out under the Agro + program).

At the start of the business banks are inexpensively provide loans. More chances to get a loan to change the activities or master the new business direction.

Lending goals

Loans are provided to entrepreneurs for different purposes:

• To cover additional costs.
• For maintenance and repair of buildings, structures.
• Upgrading equipment.
• To open a business.

Who gets under the category of borrowers?

Entrepreneurs issuing an application to the Bank for a loan is made a number of requirements:

1. Legal status - IP or Jurlso, JSC or private person with equity participation.
2. Registration location is the advantage of the company registration and activities in the Bank.
3. Business period - from 6 -12 months. From the moment of registration.
4. The maximum number of employees is up to 100 people.
5. Confirmation of the lack of imposed arrests and prohibitions.

A number of criteria are also presented to business owners as individuals:

• Russian citizenship.
• Lack of overdue for the same loans.
• Registration on the territory of the Finagement.
• The client must comply with the status of the PI, or to have ownership of business.
• Age valves - from 21 to 60 years.
• The presence of a landline phone.

Based on the selection of a program or loan parameters, banks can make additional conditions.

Overpayment

SME lending programs are distinguished by minimal overpayment. Thus, the average overpayment amount is the range from 16 to 24% per annum. A number of companies set borders from 14.9 to 18.5%. Also on the market there are programs with rates from 28% and more, which is typical of small banks.

Package of documents

Participants of the Lending Program and SMEs without collateral and guarantors are invited to collect a typical documentation package:

• Application for consideration. Served in the office or on the company's website.
• Original or photocopy of passport.
• Certificate of State Registration (Copy).
• For Jurlitz - photocopy of the Charter, extracts from the registers of shareholders, the order for the appointment of the Glavbuch, the minutes of the meetings of shareholders, etc.
• For a registered business - a report on the movement of funds in the account.

The Bank reserves the right to demand additional papers:

• Constituent documentation for Jurlitz.
• Confirmation of the settlement of customer relations with bodies calling for citizens to military service.
• Confirmation of expenses related to the acquisition of rights to share property.

Loan size

The average loan size is 4.5 million rubles. Some companies are ready to issue a loan in the amount of 500 thousand to 1 million rubles, others up to 7 million rubles.

How long to make a loan?

The average period of crediting SMEs is 36 months. Less often banks draw up contracts for 5-7 years, which is typical for large systemic organizations.

How to pay off debt?

On the financial market Russia more often meet programs designed for repayment of the loan by an annuity method. Customers enroll payments to equal shares, according to the loan repayment schedule. Differentiated scheme in practice is extremely rare.

Choosing a bank

If there is accreditation in the bank, you should contact it, this will allow you to clarify the conditions and compare them with the proposals of other companies:

• VTB24 - "Reverse" from 850,000 rubles, from 11.8%, up to 3 years. Commission for the provision of a loan - from 0.3%.
• Zenith - up to 30 million rubles, 13-14.5%, up to 2 years. The first installment is not required. It is possible to delay on the repayment of the principal debt to 12 months.
• Criungvestbank - 3 programs are provided: on business development from 500,000 to 70,000 rubles. For up to 7 years, 13%, on a turnover of 13% or overdraft from 16%.
• Left-Bank - from 150,000 to 3000,000 under 15% to 6 years (universal program "Business without borders").
• Promtransbank - from 150,000, from 15 to 35% per annum, up to 5 years.
• Rosselkhozbank - from 1mln., 13%, from 6 months.
• Center-Invest - from 300 000r. Under 12% per annum, up to 36 months.
• Energomashbank - overdraft from 300 000r., From 17% per annum, up to 12 months.

Positive and negative characteristics

Pluses include:

High flexibility in determining rates and personal maintenance conditions.

Receipt of the agreed amount without collateral and guarantors.

Loyal conditions for regular customers.

Cons include:

• Informing a bank about doing business.
• Long collection of documentation.
• Small percentage of approval of applications for opening a business.
• Restrictions in the choice of business direction.

Small Business Lending Promotion Fund

When making a loan in a bank, entrepreneurs can not always provide a deposit covering possible risks. The possibility of obtaining the possibility of obtaining the guarantee of the FSCMB, equal to the design of the collateral. Depending on the type of activity of the borrower, the Foundation is a guarantor on a loan from 60 to 90% of the requested loan (up to 60% for wholesale and retail enterprises, travel agencies, up to 70% for transport and agricultural companies, etc.).

Dates of the design of the loan - from 3 to 60 months.

Foundation partners:

• PJSC Sat RF.
• PJSC Bank "Levoberezhny".
• Akib "Education".
• JSC "RSKB".
• PJSC "Bank Zenit".
• PJSC "VTB24".
• PJSC "Promsvyazbank".
• JSC "Bank Intesa".
• JSC "SMP-Bank".
• PJSC Bank "FC Opening".

In search of the best favorable conditions According to the current lending to SMEs, many entrepreneurs will be interested in the conditions of Sberbank, in 2017 the company offers:

• The amount of the loan: from 10 million rubles Up to 1 billion.
• Objectives: Purchase OS, modernization and reconstruction of production lines, the implementation of new projects and replenishment of working capital (in areas: C / x, products, electricity, gas and water, construction, transport and communication).
• Rates: from 9.6%.
• Terms of preferential funding: up to 3 years.

The loan design is carried out in a series of stages:

• Acquaintance with the terms of issuing a loan, consulting an employee of the background.
• Preparation of the documentation package.
• Submission of applications and collected papers.
• Familiarization of the Foundation staff with the place of operation.
• Conclusion of the contract.

Listed on the account of the entrepreneur.

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