How to get a business loan from scratch? Loan to start a small business from scratch - choose a bank Loan to start a business from scratch.

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

Business loan from scratch. Types of loans

It happens that you need a small amount to get started. Then you can get a loan for personal purposes. The bank will not be interested in what purposes it is spent on. A budding entrepreneur can spend it on starting a business. But you need to remember that the size of a consumer loan may be insignificant. When considering an application, a credit institution will be guided by the amount of regular income. Therefore, if your business is small, you can use this type of loan. Loans aimed only at business development are developed by banks independently. Here are some of them.

Targeted investment loan.

Business may involve a new project, expansion of a production line, or implementation of innovative developments in the field of technology. The bank can finance development in the field of scientific discoveries. There are special programs specifically created for this type of financing.

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

Obtaining a loan from a microfinance organization.

Currently, you can get loans from companies that do not have the status of credit institutions. Small organizations issue amounts with fewer requirements for the package of documents. The disadvantage of such a loan will be too high interest rates. This may have a negative impact on the development of a new business.

Leasing for business

This type of loan is essentially similar to renting a car. Only then, after the end of the contract, will the lessee own the car. That is, a company that issues a loan only for the purchase of transport remains the owner of the subject of the loan agreement until the lease is repaid. The ownership of the car is transferred to the borrower only upon repayment of the lease.

Factoring.

The loan is characterized by the receipt of funds by the borrower before the sale of the goods. The factor (bank) transfers a certain part of the funds to the borrower on behalf of a third party. The borrower acts as a seller in relation to a third party. After this, the bank has the right to make claims against the buyer under the transaction. This type of loan is not very common.

Private investment

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

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

For which borrowers will Alpha.Potok be most useful?

First of all, it is worth contacting those entrepreneurs who need to close the cash gap or borrow money for a short period of time (for example, to participate in bidding on government procurement under 44 or 223 Federal Laws), in order to deposit the required amount on the government procurement site or purchase goods, make a delivery and wait transfer from the customer to your bank account.

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

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

Funding from the budget

Typically used by government organizations to finance scientific developments or business areas that the government wishes to support. Budgetary institutions act as guarantors and thus support the business. The state, in turn, if problems arise regarding the return, guarantees its partial repayment.

Mortgage lending for non-residential real estate

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

Factors influencing the issuance of a loan to individual entrepreneurs/LLCs

For a positive result, certain conditions must be met. A businessman must evoke a positive attitude from the employees of the credit institution. The borrower must have certain documents confirming serious intentions in business. Appearance is no less important. Scoring programs for assessing creditworthiness involve obtaining certain points. The higher their number, the more likely a positive decision is.

Credit assessment

The more written evidence of loan solvency, the better. Documents confirming income can be a 2-NDFL certificate, tax returns that reflect the income received for a certain period of time. Any documents that could reliably confirm cash income are suitable. In addition to income, the bank considers the amount of expenses. It is advisable not to have significant expense items. This will give you more chances to get the loan you want.

Business plan and documentation of business ideas

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

Appearance

You need to be not only neat and polite with the employee accepting the application. A calm, confident look without a shadow of doubt in one’s own abilities will only have a positive effect on the result. The state of alcohol and drug intoxication is excluded.

Express assessment of certain factors regarding the possibility of loan repayment

Some banks have developed their own programs to enable rapid analysis of a client's solvency. A large set of positive ratings during the survey is a priority. What points are interested in credit institutions:

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

The more reliably the ability to repay borrowed funds is confirmed, the greater the chance of success.

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

Sometimes certain difficulties arise with financing the company's activities. There are certain points that differentiate the possibilities of obtaining from the status of a borrower.

3.1 Business loan for individual entrepreneurs and LLCs. What is the difference

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

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

3.1.1 What documents are needed to open a business

Before starting a business activity, you need to undergo state registration (). This function is performed by the tax authority. Before submitting documents, you need to decide what status you will have when running your own business.

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

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

Which banks issue loans for small businesses from scratch?

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

Loan for starting a business from scratch at Sberbank

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

At the moment, the “Trust” type of loan is relevant.

Percentages from 16.5-18.5%. Duration up to 3 years. You can receive an amount of up to 3,000,000 rubles.

It is possible to use the “Business turnover” tool.

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

Loan for starting a business from scratch at Rosselkhozbank

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

It is necessary to have an open bank account and undergo state registration. Repayment periods range from 5 to 15 years. Rates are selected individually.

Loan for starting a business VTB24

The Bank has developed the Kommersant program.

There are three varieties, the conditions for which are characterized by a minimum rate, quick receipt and provision of a loan with reduced requirements for the package of necessary documents. If you take out a secured loan, the interest rate will be minimal.

Long repayment period and the ability to pledge any property. 4.4 Favorable terms for business lending in other banks. What banks provide preferential loans for businesses

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

Trust Bank

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

Alfa Bank

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

This solution is also ideal for refinancing a loan with another bank.

Raiffeisenbank

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

Loan from VTB Bank of Moscow

Loan from the bank for Tochka entrepreneurs (apply online)

Loan amount up to 1 million rubles

For up to 5 years

With an interest rate of 12%

Same day decision

Where to refinance a business

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

That is, turn to another bank to finance an unpaid debt. Not all credit institutions issue loans for loan repayment. The main banks providing this type of service are Otkritie Bank, Sberbank, VTB24, Rosselkhozbank, Alfa Bank.

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

There are several possibilities for obtaining a successful result regarding business lending from a bank.

1. You can buy the right to sell goods or provide services belonging to a particular brand. A franchise is a real tool that increases your ability to obtain a loan.
2. It is advisable to find guarantors. These can be persons, regardless of status: organizations, individual entrepreneurs, just individuals. Solvent guarantors who undertake repayment obligations in the event of loan default will significantly increase the chances.
3. It is necessary to confirm your skills and experience that will be used in future business activities. If the business is aimed at providing services for the production or repair of shoes without the appropriate qualifications, the bank will most likely refuse to issue a loan.
4. You can turn to credit brokers for help. Obtaining detailed information will open up new opportunities for business financing.
5. Under no circumstances should you submit counterfeit or inaccurate documents to the bank. Each credit institution has a department dedicated to its own security. Employees of the unit, with the help of various organizations and government bodies, must check the received data.
6. You can contact specialized centers that support small businesses. Such centers, through government support, can assume part of the obligations. Additionally, the organization can offer a number of credit institutions that are ready to lend to businesses on more favorable terms.

Business loan without guarantors

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

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

Business loan without collateral or guarantors

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

Business loan secured by real estate, car (list of banks)

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

Loan secured by a vehicle:

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

So, to get a business loan from scratch, you need to perform a number of steps.

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

It happens that the abundance of information is confusing and does not provide a clear answer to questions regarding the loan. In such cases, you need to contact special financial centers.

The credit broker will advise you in detail on any issues that arise and provide real assistance. At its core, a person involved in lending is a link between someone who needs money and the bank.

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

Get a loan quickly without collateral or guarantors online

These options are suitable for you if you urgently need money for your business, but do not have time to apply for large loans.

Many entrepreneurs decide to expand their business. But in this case there may be a lack of funds to achieve the goal. Banks offer to issue a loan for business development for LLCs. You just need to choose the most optimal program with suitable conditions and requirements.

If you need to get a loan to develop your business, it is advisable to familiarize yourself with the programs of several banks. It’s even better to consult with a professional consultant who will help you choose the optimal conditions. An equally important task is to familiarize yourself with the agreement, which specifies the terms of the transaction.

Features of small business lending

A company registered as an LLC cannot issue a consumer loan compared to an individual entrepreneur. Therefore, they have little choice. But banks are constantly releasing new programs. The main requirement is the activity of the company. It must be completed for at least 6 months, otherwise the application will be rejected.

The organization provides the opportunity to use a credit line, which will increase with expenses. This is lending without collateral. Even during a crisis, banking institutions provide loans to the population. The bank usually does not provide loans to large enterprises without collateral and guarantors.

Types of loans for LLC

Typically, loans are provided with a smaller amount and a higher interest rate. Then credit institutions present a division of amounts. The first can be issued without collateral, but the second must be secured. The loans themselves are divided into the following types:

• Overdraft. Transfer of the approved amount to the borrower's current account. You can pay off your debt by depositing funds into your current account. The money is debited automatically. The goal is to support the company's turnover. The money can be spent on eliminating shortages in the cash register and payment turnover. Funds can go to the budget. This lending option is considered the most profitable. Interests can be fixed or differentiated. Repayment is carried out automatically.
• Credit line. Used for business expansion. A line of credit can be revolving or non-revolving. Typically these loans are used to purchase new funds. It is possible to purchase raw materials. Financial institutions provide non-cash loans. The funds are spent in whole or in part. A non-targeted program is used, but the credit institution can control spending.
• Investment loan. To expand your business or need to purchase equipment, you can take out such a loan. But the conditions for it are more stringent compared to other loans. It is necessary to collect a lot of documents, as well as create an investment plan that reflects ways to increase income.

A credit institution may require a first payment of 30-40%. The loan period is 15 years. If the company has not been operating for very long, then there may be a refusal. Loans are not issued if the balance is zero. Sometimes collateral is required.

Conditions

A loan for business development for LLCs is issued by Sberbank, VTB 24, Alfa-Bank and other financial institutions. Each program offers its own conditions. It is possible to issue loans with collateral, guarantee or without providing collateral.

Banks offer loans up to 5 million rubles at a rate of 14.5 to 17%. Often businessmen are offered government programs and registration through large institutions of the Russian Federation.

Receipt

How to get a loan for business development? To do this, you need to go through several steps:

1. Contact a bank that has existing accounts.
2. Apply for a loan.
3. Collect documentation.
4. If approved, read the terms and conditions.
5. Sign documents and receive money.

If you contact a bank that does not have accounts, the institution may require you to transfer all or part of the funds.

Where to contact?

Loans to small and medium-sized businesses are provided by different banks. Amounts and rates for each client may be different:

• Sberbank - up to 5 million rubles from 16%;
• "Alfa-Bank" - up to 6 million rubles at 17%;

• "Raiffeisen Bank" - up to 4.5 million rubles, and the rate is set individually;
• VTB 24 - up to 4 million rubles from 14.5%;
• "Bank of Moscow" up to 150 million rubles at an individual rate.

Sberbank

Sberbank offers business lending, which all entrepreneurs can apply to. The programs are valid for representatives of small and medium-sized businesses, as well as for large corporate clients. The bank offers several programs with collateral, guarantee and without collateral.

The amount can reach up to 5 million rubles. The rate is 16-19.5% per year. Loans are provided for various purposes: reconstruction, purchase of fixed assets, expansion.

Government program

Not everyone knows that there are various business support programs through which you can apply for subsidies to develop your business. Support can be refundable or non-refundable. Not everyone will be able to receive such funding. Socially oriented, industrial, agricultural, and business projects have an advantage.

The number of jobs and the usefulness of products or services are taken into account. It is also important to assess the originality, profitability and payback period of the project. Working programs and conditions for participation in them are documented on the official websites of the city.

The application is free, so every organization can try. If you prepare an appropriate business plan, then it is possible to receive funds from the state. More preference is given to entrepreneurs who already have an established business with a regular income.

How to apply?

Loans are issued to small and medium-sized businesses within a few days. This depends on the conditions and requirements, for example, when obtaining a loan with collateral.

Obtaining a loan for an LLC is usually carried out with the provision of liquid collateral or the invitation of a guarantor. Otherwise, the loan will be refused.

From scratch

Loans are issued for business development from scratch, but obtaining them is quite difficult. Banks impose strict requirements on borrowers:

• making a profit by the enterprise;
• company registration for at least 6 months to 1 year.

Beginning businessmen often have their loan applications automatically rejected. The solution in this situation would be to issue a consumer loan to an individual, providing property as collateral. Loans for business development from scratch are issued with guarantors.

No collateral

Applying for a loan for an LLC without collateral is quite difficult. Borrowers should remember that some institutions, for example, Sberbank, VTB, provide such loans, but the rate will be quite high. A condition for registration of such a transaction is the guarantee of the business owners.

Requirements

A business development loan for an LLC is provided if several requirements are met:

• staff - no more than 100 people;
• profit per year - up to 400 million rubles;
• microorganizations have an income of 60 million rubles, and a staff of no more than 15;
• registration in the Russian Federation;
• legality of business;
• age 23-65 years;
• positive credit history;
• good financial turnover.

Documentation

An application is required to receive a business development loan for an LLC. The documents may differ depending on whether the person is a bank customer or not. Regular borrowers must provide recent financial statements, collateral papers, and guarantors.

If the client does not use the services of the bank, then he must prepare constituent and registration documents. You will also need a card with sample signatures of persons who have the right to sign. We need their passports and TIN. The list of documents is sometimes expanded.

Sum

A loan for business development for an LLC is issued in the amount of 3-5 million rubles. But some institutions, for example, the Bank of Moscow, issue large sums. The condition is the company's solvency and fulfillment of the obligations assumed when signing the loan documents.

Rates

Interest on loans for all clients is determined for each client individually. Loan fees depend on several factors:

• solvency;
• financing period;
• loan currencies;
• the presence of collateral or surety.

Base rates are now 14.5-17% per year. And under preferential programs from the state there is 10%.

Deadlines

Under standard programs, loans are issued for a period of up to 3 years. Sometimes longer lending times apply. Early repayment is also possible, but you need to find out immediately if there is an additional fee for this.

Redemption

The loan is repaid in equal or differentiated installments. Sometimes individual repayment scheme options are possible. The transfer is made from a current account to a credit account. If you fail to make a payment on time, the bank will accrue late payment and your credit rating will be lowered.

Advantages and disadvantages

A business loan has its advantages:

• no withdrawal of funds from circulation is required;
• It is possible to obtain a loan without collateral;
• You can become a participant in the state program by applying for a preferential loan.

But it should be borne in mind that banks in the field of lending work only with trusted businessmen. Borrowers must confirm their solvency and open current and deposit accounts and corporate cards for the company. Only then is it possible to obtain a loan.

If we talk about individual entrepreneurs, businessmen often take out a regular consumer loan for an individual and use it for business purposes. In this case, the advantages are obvious: you will be able to receive money quickly and without collateral; you will not need to collect an impressive package of documents to the bank and wait for the bank’s specialists to analyze them and then make a decision on issuing a loan.

For newcomers to business who have not worked for even 3 months, this may be the only way to receive money for the development of the company. Banks, unfortunately, refuse to lend to startups. But you shouldn’t count on large sums; by taking out a consumer loan for an individual without collateral, you can get no more than 500-700 thousand rubles.

The service will calculate tax and prepare reporting for businesses using the simplified tax system, UTII and patent. It will also help generate invoices, acts and invoices.

Loan from a microfinance organization

Surely you have heard about companies that offer loans quickly, “before payday” to individuals. Some of them provide services to small and medium-sized businesses, so you can borrow a small amount and for a short period of time from them.

In addition to private microfinance organizations, there are government ones that provide loans for businesses from the state budget. These are various funds for the support and development of small businesses, small business lending funds, microfinance centers.

You can receive no more than 1 million rubles from a microfinance organization and, as a rule, the loan is issued for a period of no more than a year. The interest rate is different and an individual approach is applied to each. The interest rate of state-owned microfinance organizations is the most attractive: it is significantly lower than that of private ones, but you will have to make more efforts to obtain a loan. Commercial microfinance organizations request a minimum of information, but the overpayment on the loan is significant. The package of documents required to obtain a loan should be clarified with the specific microfinance organization.

Before choosing an organization from which you will take a loan, make sure that it is included in the state register and has the right to carry out microfinance activities.

It is convenient to use the services of microfinance organizations if you urgently need funds for a short period of time and do not have time to wait until the bank approves the loan. But when a business needs a larger amount to implement a project, purchase expensive equipment or its own office, then it should consider lending programs for small and medium-sized businesses from banks.

Loan for business development from a bank

Now almost all large banks offer loans to small and medium-sized businesses on preferential terms. The loan amount can be from several hundred thousand rubles to tens of millions, and the main advantage is a low interest rate from 14 to 27% depending on the bank. But taking out a loan to develop a business is not so easy.

Firstly, large sums are provided only to firms that have worked in the market for at least six months and are dealing with profit. In addition, banks actively study your credit history, so it must be perfect.

Secondly, to obtain a loan for business development, you will definitely need property as collateral or a guarantor, and sometimes banks require that both of these conditions be met simultaneously. Various property can be used as collateral depending on the purpose of the loan: real estate, car, goods, equipment, personal property of the entrepreneur. The guarantors are the business owners, and for individual entrepreneurs the guarantee of a spouse or a third party is required. If your collateral is not enough to secure the loan, then the guarantee fund can also act as a guarantor. More on this a little later.

Third, be prepared to provide the bank with all the necessary documents. The specific list needs to be clarified in each bank, it roughly looks like this:

• statement;
• constituent documents;
• tax return;
• accounting reports or KUDiR;
• a clearly developed business plan for the enterprise.

Then you will need to wait some time while the bank analyzes your documents and decides whether to grant a loan. The application review period can take from 3 to 14 days.

Obtaining a loan through guarantee funds

If the bank denies you a loan due to insufficient collateral under the loan agreement, i.e. your property is not enough for collateral, then the guarantee fund can act as a guarantor. Guarantee funds can also be funds for supporting small and medium-sized businesses and entrepreneurship development centers in the regions.

Of course, funds provide guarantees for a fee. On average, the fund's remuneration is up to 2.5% per annum of the guarantee amount. You will have to pay this amount to the fund immediately upon concluding the contract.

To obtain a loan, you can either contact the guarantee fund directly, or get a loan through a bank that cooperates with the fund under a guarantee program. The procedure for reviewing the application and the package of required documents is similar, only the loan agreement will be tripartite: with you, the bank and the guarantee fund.

Credit in the simplified tax system

Finally, let’s look at accounting for borrowed funds in the simplified tax system. Money received under a loan agreement is not subject to the simplified tax system, since it is not recognized as your income (Article 346.15, paragraph 1, paragraph 1, Article 251 of the Tax Code of the Russian Federation). If you apply the simplified tax system “Income minus expenses”, then you have the right to take into account interest on the loan in expenses (clause 9, clause 1, article 346.16 of the Tax Code of the Russian Federation). The repayment amounts of the loan itself (the body of the debt) are not taken into account. According to the law, interest can be written off as expenses provided that its amount does not differ by more than 20% from the average level for similar loans. Otherwise, you will be able to write off as expenses only interest calculated at the refinancing rate of the Central Bank of the Russian Federation, increased by 1.8 times. At the moment, it is 14.85%. Interest is taken into account in the expenses of the simplified tax system on the date of their actual payment.

Hello! In this article we will talk about lending to small and medium-sized businesses.

Today you will learn:

1. What types of business loans exist;
2. What documents need to be collected for their registration;
3. What risks exist for a business when obtaining loans.

For beginning entrepreneurs, lending is often the only option to obtain a large amount of funds for. This question remains relevant for those who represent small and medium-sized businesses and need equipment, raw materials or business expansion.

Why people are reluctant to issue business loans from scratch

The practice of issuing loans for businesses from scratch in the Russian Federation is small. In Western countries, lending of this type is more developed; the number of loans issued as a percentage is about 35%. In our country, this percentage ranges from 1.5 to 2.5%.

Why did this situation arise? First of all, because starting a business is associated with great risks both for the entrepreneur himself and for creditors, and no one wants to lose their money.

In addition to the factor considered, the fact that the borrower does not have a credit history also influences the lending decision. Also, many young companies close down without even having time to prove themselves in business. Of course, lenders are wary of lending to such borrowers.

Which banks can you get a business loan from?

In this part, we will consider those banking organizations that are ready to cooperate with entrepreneurs. We will also familiarize ourselves with the loan terms.

Business loan from Sberbank

On On the bank's official website, an entire section is dedicated to small businesses.. The bank offers several key products for doing business.

This list includes refinancing, lending for the purchase of equipment and machinery, unsecured loans for any purpose, and so on. The bank has also developed a program to stimulate lending to small and medium-sized businesses.

As an example, consider a loan to replenish working capital. Credit "Business - Turnover» can be obtained under the following conditions: maximum loan term - 4 years, interest rate from 11.8% per annum, minimum amount to receive - 150 thousand rubles.

This loan is provided to individual entrepreneurs and small businesses whose annual revenue does not exceed 400 million rubles. The official website also provides a complete list of documents that are required to obtain a loan. After the bank analyzes the financial and economic part of your business, a decision will be made to issue a loan.

Business loans at Alfa Bank

Alfa-Bank now provides the Potok service, where entrepreneurs can get a business loan without collateral, collecting documents and online. You can find it on the official website of the project. Favorable conditions!

Also, for small businesses and individual entrepreneurs, the bank provides a so-called “spare wallet” in the form of an overdraft.

The terms of provision are as follows: interest rate from 15 to 18% per annum, if you have not yet been a client of Alfa Bank, you can count on an amount from 500,000 to 6 million rubles, but if you have collaborated with the bank before, the maximum loan amount will be 10 million rubles.

Also, for opening a limit, the bank charges a commission in the amount of 1% of the limit amount, but not less than 10 thousand rubles.

Express lending and classic lending are available for medium-sized businesses. There are offers for business development loans, loans secured by property rights and other offers.

As for lending conditions and interest rates, everything is calculated individually, taking into account the client’s financial capabilities, as well as his needs.

Loan for business from scratch from Rosselkhozbank

The bank's official website contains sections dedicated to small and micro businesses, as well as medium and large ones. Considering proposals for entrepreneurs, you can see, for example, loans for seasonal work, loans to fulfill government contracts.

For larger companies, loans are provided for current purposes, to finance foreign trade operations, and so on. The application for a loan can be filled out online, and communication with a specialist at the bank via a callback is also provided.

This bank also participates in the state program to support small and medium-sized businesses.

Business loan at VTB

Like other credit institutions, the bank’s official website has a special section for business. There are several loan programs specifically for small businesses: express, working capital and investment lending programs.

In addition, we offer loans for business development, loans for the purchase of offices, warehouses and retail space, a targeted loan with a deferred repayment of up to six months, and a number of others.

The maximum loan terms for some loans are up to 10 years, interest rates vary - 13.5% (for the Business Mortgage loan), 11.8% for the Investment loan, also 11.8% for the Negotiable loan and etc.

You can fill out an application on the website, and consultation with a bank specialist is also available.

The bank offers several types of business lending. Namely: overdraft, loans for the purchase of equipment produced in the Republic of Belarus, leasing, tender lending and other types.

The application form is available on the official website, funds can be provided to small and medium-sized businesses, and loans are also available for individual entrepreneurs and large companies.

Tinkoff business

The list of documentation may include:

• or USRIP;
• OGRN;
• Tax return for a specific reporting period

After all the documents have been provided and the bank has made a decision on lending, you will be given a meeting, during which a loan agreement and an agreement to open an account for your business will be signed.

It is worth noting that the bank is really focused on small and medium-sized businesses.

What are the advantages and risks of starting a business with a loan?

We will consider the advantages and disadvantages of borrowing financial resources for running and developing a business below.

Advantages:

• financial issues are resolved quickly;
• the business can be expanded at any time;
• If you repay the loan on time, you can receive benefits for other bank services;
• Thanks to lending, the tax base can be reduced.

Flaws:

• presence of overpayment;
• wasting time searching for a suitable banking organization;
• you need to complete a lot of documents;
• there are age restrictions for borrowers;
• property for collateral is valued lower than its market value.

The main danger is that it is impossible to calculate the financial position of your company several years in advance. Today business is thriving, repaying borrowed funds is not difficult, but in a year the situation may change radically. Especially in conditions of economic instability in the country as a whole.

This is worth remembering and keeping in mind before entering into a loan agreement.

Business lending rules

The rules for granting loans are structured in such a way that credit risks are minimized. Lending is always a risk for both the potential borrower and the lender. The risk that the borrower bears is, first of all, the inability to repay the loan and interest on time, which can lead to...

The lender's risk is primarily related to the terms of the loan. Whether the loan will be long-term or short-term, this directly affects the risk levels.

To minimize risks, lenders, before approving a loan application, carry out the following activities:

• They carefully study the borrower and his credit history (if the loan is not issued for the first time). Conduct an analysis of the economic and financial situation of the borrower;
• They study the collateral offered by the borrower, internal and external sources through which the loan can be repaid;
• Analyze potential risks and opportunities to eliminate them.

Most banking organizations have developed special rules for lending to small and medium-sized businesses. These rules set out how to correctly assess the borrower’s solvency, how to develop his psychological portrait, how to reduce risks, and so on.

Securing a business loan

Obtaining a loan can be achieved in several ways:

• Provide collateral;
• Ensure the availability of guarantors;
• Provide a written commitment.

If the loan is secured by collateral, then any property of the borrower is transferred to the lender during the period of use of the loan funds. This collateral can be enforced by the creditor if the funds belonging to him are not returned on time.

But if the borrower is declared bankrupt, the claims of other creditors cannot apply to this collateral.

The collateral can be: property, securities, real estate, or any goods.

When a loan is secured by a written obligation, it is most often a bill of exchange. The one who owns the bill has every right to demand the return of funds from the person who issued the bill.

As for loan guarantors, they are needed when the borrower’s income level is clearly insufficient to obtain the required amount.

Classification of business loans

There are several types of business loans. In addition, every year banking organizations offer more and more services to those doing business. The main thing is to use them correctly.

Venture lending.

It is usually used if doing business is planned in an area related to scientific technologies. Such loans are made for a long period and at high interest rates. But no one will simply give any guarantees in this case.

The risk here is maximum, since the investments made may simply not pay off, because projects related to science are not initially successful.

Overdraft.

This is a loan that an entrepreneur can use if he needs additional funds for a short period of time. A banking organization lends to an entrepreneur if he has no funds. This is done to pay settlement documents.

Its difference from a regular loan is that all the money that will be credited to the borrower’s account will be used for repayment.

Commodity lending.

The scheme is simple: the borrower is provided with the equipment necessary to run a full-fledged business.

Universal lending.

This type is characterized by democratic conditions, which means it is most popular among entrepreneurs. The funds received can be spent on any profit-generating activity.

Commercial mortgage.

There is no need to explain much here. Inventory and equipment need to be stored somewhere, this is quite logical. The collateral in this case is ta. If you don't make payments, the lender will put the property up for auction.

Investment loan.

Quite an interesting financial instrument. The bank gives you money not only for development, but also for increasing production capacity. Such a loan is approved only after a thorough check, which shows that you can repay it.

You will also be required for the loan , in which you need to justify that by investing in the amount of 100,000 rubles, you can get 2 million rubles in profit.

Factoring.

– financing of a specific type.

Let's explain with an example: you borrow a tractor from a dealership that sells agricultural equipment. And then you contact the bank so that it can buy back your debt. Otherwise it is called assignment of debt.

Leasing.

What is leasing, you can. In short, this is, or real estate, which implies subsequent redemption.

Example: you rent a lathe from the bank, pay monthly rental payments, and at the same time buy the machine as your own.

Revolving lending.

In other words, a loan for current activities. In this case, money is issued to purchase fixed assets or replenish existing ones. Fixed assets are those assets that are used but not consumed in the process of doing business.

Refinancing.

It is used to close other loan obligations, as well as to optimize conditions. For example: it is much more profitable to buy a machine at 4% than at 24%.

What documents need to be provided

To take out a business loan, you will have to collect the necessary documentation package. All documents must be provided that confirm the solvency of the entrepreneur.

The list of documentation in different banks may differ slightly, but in general it is as follows:

• A loan application, which indicates the loan amount, its purpose, contains a description of the collateral, and also indicates the loan term;
• Constituent documents of the company in the form of copies;
• Reporting losses and profits;

It is worth noting that in all documents that the bank will request, the information must be relevant and true. All certificates and certificates must be valid.

If you want to get an investment loan, provide the bank with a business plan.

Banking organizations working with small and medium-sized businesses carefully and strictly approach the verification of provided documentation. Collaterals are also strictly controlled. If the certificate says that the company has 100 new tractors on its balance sheet, your task is to make sure that the loan officer sees them. And all 100.

But now we will pay special attention to credit history. Everyone knows that it is stored in the Credit Bureau for a long time. Therefore, there is no point in discussing for a long time how late payments affect the ability to get a new loan. Even if the debt is repaid, it is impossible to hide the information that it existed at all.

Everyone who takes part in the transaction must have impeccable credit histories: the guarantors (if any), the entrepreneur himself, the owner of an LLC or an individual entrepreneur.

If an entrepreneur is just planning, it is easier for him to get a loan as an individual. This method is not ideal, since a loan for a large amount can only be obtained by providing the bank with expensive property (for example, an apartment) as collateral.

With the money you receive, you can buy a ready-made business or a franchise. If you don’t need a large amount of funds, you can get by with consumer lending.

Volume of loans issued to small businesses in 2016

According to the Central Bank of the Russian Federation, in 2016, loans worth 4,691,331 billion rubles were issued to small and medium-sized businesses.

First, you need to choose the credit institution that best suits you. But it is best to try to use the lending service at the bank in which the entrepreneur has a current account. In this case, it is quite possible to get a reduced interest rate and an increased credit limit.

There is also the possibility of obtaining preferential loans, funds for which are allocated by the state.

Participants in such a program can be:

• Entrepreneurs who are just starting to run their own business;
• Those who carry out their activities in the field of ecotourism;
• Entrepreneurs who are engaged in any kind of production and so on.

This list is not exhaustive; we have listed only the most common areas of activity.

The next step to getting a profitable loan is to find a guarantor. If you don’t need it, great, but it definitely won’t be superfluous.

It also doesn’t hurt to decide how you want to get a loan: in cash or to an account or card.

At the same time, any entrepreneur must remember: if he cannot fulfill his obligations on the loan, he will be liable for them not only with all the company’s property, but also with his personal property.

What to pay attention to when choosing a loan

Small and medium-sized businesses in the Russian Federation are supported by the state. That is why special loan offers for entrepreneurs are being developed. In particular, those that imply deferred payment.

But everyone understands perfectly well that completely free cheese can only be found in a mousetrap. Therefore, below we will give a few simple recommendations, following which will avoid misunderstandings and problems when concluding a loan agreement.

1. Analyze information on lending conditions in different banks. Conditions may actually differ, as may interest rates, and the differences may be significant. So don't be lazy to compare.
2. Make payments according to schedule. Never delay making payments, but paying more than scheduled is also not always profitable. In any case, the bank writes off only the amount of the monthly payment; the rest of the money simply lies in your account.
3. Read the contract carefully. Focus on the following points: does the banking organization have the right to change the terms of the agreement on its own (increase the interest rate), are there any restrictions on repaying the loan ahead of schedule, how does the bank collect debt on the loan (if any arises).
4. Remember: the bank is not a charitable foundation, everything you borrowed will have to be repaid with interest, and it doesn’t matter whether you are an individual or a large businessman.

Business without credit

In this part of the article we will talk about where to get money to create a business and at the same time avoid credit obligations.

Option 1. Use the money that you have saved yourself.

By the way, the most banal of all. It is clear that in this case you need to come up with money, as well as some of this money, but in general the method is not the worst.

Option 2. Borrow from friends or family.

If there are people ready to help with money, you can take advantage of this, but there is a high risk of ruining your relationship with them if you suddenly fail to give everything on time.

Option 3. Find an investor.

They are also called. It can be one person or several. All that is required of you is to provide a business plan and prove that your idea will bring profit in the future.

Option 4: Get a grant.

To do this, you must already be either. In addition, the conditions for obtaining differ in different regions of the country. Another difficulty is going through a competitive selection process to receive this type of support.

Option 5. Use crowdfunding.

In the case of business, money is collected from citizens, and the amount can be any, even 50 rubles. Usually the collection takes place through special websites, where anyone can declare a collection and anyone has the right to contribute a certain amount of money.

Such platforms operate in the Russian Federation. This option is most suitable for those whose business has a pronounced social orientation, or is associated with art, music, and so on. Projects related to the production and sale of original goods are also successful on such platforms.

Option 6. Apply for a subsidy.

The downside is that the subsidy program is not valid in all regions of the country. Therefore, you need to check its availability at your place of residence. And in order to receive it, you need to provide a justification and a business plan, which is defended before the commission.

Option 7. Find a partner for joint business who can invest their own funds in the common business.

As a rule, if cooperation is just beginning, people divide all the profit received into equal halves. Although, if desired, the business can be divided.

All the options that we have considered have a right to exist. Moreover, there are entrepreneurs who have built successful businesses without using credit. For example, Sergei Galitsky, director of the Magnit network. He began his career by working in the office management department of one of the banks in Krasnodar. As a result, his net worth today is $4 billion.

How justified is lending when starting and developing a business?

This question is certainly interesting. Although it can hardly be answered unambiguously. It is clear that if you understand little about economics and running a business, taking out a loan is practically suicide. You will simply create a big and long-term problem, the solution of which will take more than one year.

If it is possible to use other options for raising funds for a business, besides a loan, it is better to use them.

On the other hand, there are situations when loans really help take a business to another level, and sometimes even simply save it. This applies more to a business that is already operating and generating some profit. Using borrowed funds, you can cover outstanding debts, increase production capacity, update equipment, or purchase office or warehouse space.

A number of experts believe that you can only take out a loan to expand your business, but not to open it. That is, if you see that the business has room to grow and develop, then you can take a loan, in other cases you should think twice before turning to the bank for a loan.

Conclusion

Lending to small and medium-sized businesses is a financial instrument that can very well breathe life into a new project. But we need to understand that we receive other people’s money as a loan, but we will have to pay back our hard-earned money, also with interest.

Therefore, before deciding to apply for a loan, you need to carefully weigh the pros and cons, and it is better to contact specialists who can calculate all the risks and advise how to avoid them.

Business loans in Moscow and the regions today are an important factor in the successful development of almost any enterprise. To implement your plans, Promsvyazbank offers favorable loan terms for small businesses - specially designed unique products.

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

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

Are you interested in long-term business financing? A loan with a floating interest rate will provide your company with stability in a volatile financial market.

Lending terms

Basic terms of a small business loan at PSB:

• the borrower can be an individual entrepreneur, an LLC, a joint stock company, an individual, namely a citizen of the Russian Federation who is the owner of a share in a small and medium-sized business, an individual entrepreneur, the sole executive body of the enterprise.
• the borrower must have permanent registration in the region where the bank operates for at least 1 year;
• the company must be registered and operate in the region of Promsvyazbank’s physical presence;
• An important condition is that the period of actual activity of the enterprise must exceed 36 months.

Our advantages

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

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

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