Loan for business from scratch for small businesses and individual entrepreneurs. How to get a loan to develop a small business from scratch? Business loan for individual entrepreneurs from scratch

Hollywood films often show us unemployed people who come to the bank with a business plan and apply for a loan to start a business. In Russia, it must be admitted, this system is practically undeveloped, however, in our country, if you wish, you can get borrowed funds and start your own business.
In today's article we will talk about how and where you can get a loan to start a business. We will also discuss what is needed for this and what are the alternatives to bank lending.

The desire to start your own business is often frustrated by the need to have start-up funds. And if in some types of activities, then many popular and sought-after sectors of small business require significant investments.

Example. To open a mini-bakery, you will need funds to rent premises, purchase ovens, tables, and provide the necessary communications. The total investment amount at the initial stage can range from 200-300 thousand to a million rubles.

Unlike very common investment loans, getting a business loan from scratch is quite difficult and time-consuming. This is associated with great risks for the bank - not every credit institution will decide to sponsor a “pig in a poke”.
In fact, today loans for small businesses are actively issued from scratch only Sberbank. At the same time, it also imposes a lot of requirements and restrictions.
If you are interested in how to get a loan to start a business, we suggest you consider the usual conditions for such loans:

• Low interest rate is the main advantage.
• The amount does not exceed 1 million rubles.
• Share of own funds – at least 20%(i.e. a loan to start a small business covers a maximum of 80% of the required amount).
• Loan collateral is a guarantee from third parties and pledge of property. For small loans banks may limit themselves to guarantee.
• The loan is issued based on the study of the business plan. At the same time, banks most often limit the areas of activity they can lend and offer their own standard schemes.

Sberbank issues loans for starting a business and purchasing franchises. In the first case, the client is offered a choice from a dozen areas of activity, for each of which a standard business plan has already been developed.

• The client is required to register as a legal entity or individual entrepreneur, undergo training at the bank and work through accounts opened with the lender.
• If necessary (for example, when the client does not have a regular income at the time of receiving the loan) the bank may offer a deferment for payment for up to six months.

How to successfully get a loan to start a small business from scratch

Without the necessary amount and the ability to save it, many people give up the dream of owning their own business. However, there is an excellent opportunity to become an entrepreneur without the necessary initial capital - get a loan to open a small business from scratch.

So, how can you launch your business with only an idea? We offer a short guide on how to get a business loan from scratch.

• Determine which banks and financial groups in your area provide startup lending. Usually this list limited to just a few titles.
• Carefully study the requirements for borrowers and the project posted on banking portals. Determine how well you fit into these restrictions and whether your business meets them.
• If all the conditions suit you, it’s time to get started. One idea is not enough– the bank needs to find out how much you plan to spend, on what, in what time frame, and also when the project will start to pay off.
• Make sure you have enough savings to cover at least 20% of the project costs.
• Preferably make preliminary agreements in advance on rent, purchase of goods, raw materials, negotiate with the seller of transport and equipment.
• Gather all documents needed to apply in advance.
• Decide on the collateral and guarantee that you can provide to the bank. in this case, they are not issued - the bank needs significant guarantees of the return of funds.
• Submit an application to the bank, attaching a business plan and a package of documents.
• Review of your application may take from 3-4 days to 2 weeks depending on the complexity of the project and the volume of documents.
• If the decision is positive, you sign the loan and collateral documentation and open a bank account.
• Credit is usually provided in the form of non-renewable line.
• It should be remembered that a loan for starting a business is targeted, and its use must strictly correspond to the business plan. For each transaction, you provide the bank with supporting documents (receipts, checks, sales contracts).

Are there any decent alternatives to a bank loan?

If you have studied the material on how to get a loan to open a small business, and have come to the conclusion that it is impossible to obtain such a loan, there is a way out. Note that many novice entrepreneurs face a number of problems:

• The bank does not lend to the chosen activity scheme, since it does not have the opportunity to assess its profitability.

As a rule, such loans are issued only for very popular types of businesses - hairdressing services, bakeries, beauty salons, etc.

• The entrepreneur does not have the opportunity to secure the loan with collateral and guarantee.
• The loan amount is insufficient to cover the necessary expenses (for example, you need to purchase an expensive production line, raw materials, materials).
• The client has a negative credit history.

However, in these cases, you can get funds and open the business of your dreams. Let's list them:

• Many novice entrepreneurs pass by, and in vain. By using gratuitous financial assistance will help you cover a significant portion of the costs of starting a business.
• Entrepreneurs who are confident in the profitability of their future business can look for a suitable investment company. This will require a detailed business plan, luck and good persuasion.
• Small businesses are willing to finance business angels. These are private individuals who not only invest money, but also provide assistance and share their experience with the budding entrepreneur.
• If you need a small amount and you receive a stable income, you can easily get a regular consumer loan and use the funds to start a business. The main advantage of this method is that such loans do not require collateral.

Conclusion

So, you can get a loan to start a business in Russia, but this procedure has a lot of restrictions and obstacles. The few banks that issue such loans place quite serious demands on borrowers and issue funds only against collateral and guarantees. In addition, there are restrictions on the scope of activity of the future enterprise.

At the same time, there are alternatives. A loan to start a small business can be replaced by investments, a consumer loan, government subsidies, or personal or family savings. The final choice remains with the future entrepreneur.
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More and more people in our country are deciding to change their employment to their own, albeit small, business. There are many advantages to owning a business, the main one of which is to move from the status of a “cog” in the system to the position of an independent owner of a mechanism for generating income, to ensure financial stability and independence, as well as constant growth both in scale and in terms of profitability.

Naturally, this path is associated with certain difficulties, so not everyone decides to follow it. And the very first of them is the lack of initial investment to create and launch this mechanism. The question of how to get a loan to start a business faces every second beginning entrepreneur, and the answer to it cannot be called inspiring. However, it exists, and in this article we will look at where to start and what to do to get the required amount from the bank for your startup.

Why are they afraid to lend to businesses starting from scratch?

In Russia, the practice of lending to startups is small. If in Western European countries the share of such loans in the bank portfolio is up to 30-35%, then in our country this figure barely reaches 1.5-2%. Why is this happening? Unfortunately, the current situation is such that developing your own business (especially in the initial stages) is associated with significant risks.

This is uncertainty, lack of credit history, and guarantees that everything will work out. Many young companies close down before they even have time to establish themselves. Naturally, this makes startup lenders cautious about issuing loans and only providing them after carefully checking all aspects of the potential borrower's future activities.

Loan for a startup: ways to get it

It is not easy for a novice entrepreneur to take out a loan to start a business, but it can still be done. Next, we will look at what options for receiving money currently exist for Russian startups.

Non-targeted consumer loan

Option one is a workaround. If you plan to start with a small business that requires no more than 500 thousand rubles of initial investment, then this method can be very attractive. Its essence is that an employed borrower takes out a loan from a bank for consumer purposes, providing the documents necessary for an individual.

The main confirmation of income in this case is the 2-NDFL certificate. At the same time, the borrower can dispose of the money received at his own discretion, including using the issued loan to open an individual entrepreneur.

The advantages here are that neither collateral nor a guarantor is required (although not ignored). The disadvantages of this method are the limited amount that the bank is willing to provide. In many ways, it, as well as the interest rate, depends on the individual’s salary. As a rule, you can count on a loan of no more than 400-500 thousand rubles.

Loan with collateral and guarantor

Option two is extended. In order to receive a slightly larger amount, say up to 1 million rubles, you can use a non-targeted loan with the provision of collateral and guarantors. So, if you have property (preferably real estate) that you are ready to pledge to the bank, then it will meet you halfway.

And if there is a person who owns real estate and is ready to act for you as a reliable guarantor, then even better. In this case, the bank’s risks are reduced, and he will be more willing to provide you with a large amount (within certain limits), and he will also offer a more interesting rate.

However, you should be well aware that if you fail, you risk losing the property, which will be valued when pledged at a maximum of 80% of its real market value (while you can sell it for a much greater profit). Therefore, before you get a loan to start a business using this method, think a hundred times and take it only if you are absolutely sure of the success of your business.

Targeted loan for starting a business

Option three is honest, but difficult. Some banks in our country have nevertheless begun to practice business lending from scratch, although they do so with caution. However, it is quite possible to become one of the lucky 1% who managed to receive targeted assistance from a credit institution.

Of course, if you approach the issue with all responsibility. Firstly, you need to carefully study the niche in which you plan to develop your business, make sure it is promising and has a great chance of success. Secondly, the bank needs to be convinced that the idea is well thought out and will work. There is only one way to do this - to draw up a detailed and, very important, up-to-date business plan for obtaining a loan.

Business plan is the key to your success

Such a plan should reflect all aspects of your future activities and answer questions about where, how and why your business will operate. It is important to take into account the specifics of a particular region, to reflect market realities and ways of functioning in them. If you find it difficult to write a detailed and professional plan yourself, contact a specialist.

Do not spare money, time and effort on this, since the business plan is the starting point, the core of your business at the moment. It is this that the bank will evaluate when deciding whether to issue a loan. Be sure to include a feasibility study of the loan in your plan, describe what and in what volumes the bank’s money will be used.

For example, for the purchase of equipment - one amount, for renting premises - another, for the initial purchase of raw materials or hiring personnel - a third. If a bank representative can clearly see why and in what quantities funds are needed, what return is expected and when, and also receives confirmation of the above calculations, then the chances of receiving money will increase significantly.

It is equally important to present a well-written business plan. If everything in it is competent and very rosy, and you cannot answer some questions according to your own plan or explain what, how and why, then this will most likely lead to failure. The bank will refuse such an entrepreneur. Therefore, prepare very well before going to a credit institution. By the way, don’t forget about your representative appearance.

Loan from Sberbank: business franchise

An alternative option is to take part in the Business Start program, which allows you to get a loan to start a business. Sberbank developed it specifically for entrepreneurs who want to start their own business, but do not have their own idea. The bank offers to use ready-made franchise templates and apply them in practice.

You will be able to choose an option that interests you and prove that you are capable of implementing it. To do this, it will be necessary to draw up a business plan for a specific program, considering all organizational and financial issues. In addition, before submitting an application, you should register as an individual entrepreneur and collect the necessary documents, including TIN, a certificate of a private entrepreneur, and do not forget to take your business plan.

Under this program, the borrower is considered as a potential owner of a specific business, his professional qualities are assessed, as well as his credit history, availability of a down payment (30%) and collateral. In this way you can get up to 3 million rubles, and in addition - advice from experienced specialists and support at the stage of business implementation.

More solutions for a beginner businessman

There are other options for how to get a loan to start a business. If you don’t want to use ready-made franchises, but for some reason you can’t get money from the bank, you can try a few more ways. For those who are ready to pay considerable interest at the initial stage, but are confident in their abilities and the success of the enterprise, we can advise you to contact the Entrepreneurship Development Center in your city.

Perhaps luck will smile on you there. Such centers act as a kind of intermediary - they borrow from the bank and lend money to businessmen, earning on the difference in interest. Also, do not ignore private investors. However, it is better to go to them last, when all other options have failed, since the interest is too high.

Conclusion

If you didn’t know where to get a business loan and how to do it, now you see that you have alternatives. Consider each of the available options, develop a realistic and detailed business plan, make sure it works, evaluate all possible risks and try to find ways to reduce them, keep some “airbags” in case of failure and start looking for financing. You already know how to get a loan to start a business in different ways. It remains to make sure that at least one of them works. Go for it!

Finding an interesting idea for creating a business is not such a difficult task; it is much more difficult to bring your plan to life. The main problem on the path of a novice entrepreneur is the lack of start-up capital. If it is not possible to receive financial assistance from close friends, colleagues or relatives to develop a young business, then there is only one option left - to apply for a loan from a bank.

However, despite the fact that many institutions talk about their readiness to finance small businesses, in reality it is very difficult to win the loyalty of bankers, expressed in the form of a loan without collateral or guarantors.

Beginning entrepreneurs often face the trivial question of the need to find a source of financing for their projects. Quite rarely, people who want to create a small business have the required amount of money, so before implementing a business plan it is necessary to go through the stage of searching for investments.

In addition to the start-up, financial assistance is needed for the development of an existing company, increasing the volume of working capital, purchasing equipment, machinery, etc. In both cases, you cannot do without outside help, especially for beginners. Entrepreneurs often attract capital by allocating a share in a project or by inviting investors as full partners. But in practice, people most often use credit products from banking institutions.

Due to the sufficient number of offers available on the domestic market, this method has many positive aspects that allow you to start your own business without difficulty. And even though a loan for the development of a small business from scratch is a rather risky procedure for bankers, today it is not difficult to find organizations that have suitable programs.

You can conclude a profitable deal only if you draw up a good business plan in advance and carefully analyze the prospects for implementing the idea. Greater loyalty to the borrower can be shown by those banks where he has already been served as an individual, for example, has taken out small consumer loans or is an existing client who has a credit card or deposit.

The lack of collateral in the form of collateral or guarantors negatively affects the ability to obtain a large loan. However, if the project is prepared professionally, and the business line itself belongs to a profitable sector of the economy, allowing you to receive a good income, then the chances of a positive decision from the bank will increase significantly.

The main reason for refusing to issue a loan to a beginning businessman is insufficient attention on the part of the entrepreneur to the process of registration and collection of the necessary documentation: tax returns, registration certificates, copies of rental agreements, etc. Before providing a loan, the bank must ensure that the project plan meets established standards and guarantees the return of the funds issued, including interest. Consideration of the application may not last one day, but several weeks and even months, during which the credit institution will carefully study the information provided.

Requirements for borrowers and small businesses

Banks always try to cooperate with companies whose activities do not raise doubts or concerns. Of course, they well understand the process of starting a small business, so before making a final decision on the application, the lender will evaluate not only the prepared reports for the tax and other authorities, but also the current state of affairs in the market in the borrower's area.

The main requirements for applicants for business loan programs are as follows - the following are taken into account:

— Territory of doing business. It must be registered in those regions of Russia where there are branches of the creditor bank. In certain cases, but only at the discretion of the lender, a slight distance from the branches of the institution may be considered;

— Legal status. Joint-stock companies and individuals entitled to a share in the business, as well as individual entrepreneurs and legal entities can submit an application;

— Period of activity. As a rule, bankers prefer to cooperate with clients whose business has been operating for more than 1 year, but the minimum period is 6 months;

— Other restrictions. The borrower should not have seized property, frozen bank accounts or other problems with the law;

In addition to the requirements for the business itself, there are also certain criteria that the candidate must meet as an individual. That is, a person with Russian citizenship, age from 21 to 60 years, and a landline telephone number can use bank products. A mandatory requirement is the absence of negative entries in the CI, as well as existing debts in financial institutions. Banks reserve the right to make additional requirements based on the parameters of a specific program and the loan amount.

Current bank offers

Promsvyazbank has several attractive business programs that existing and new clients of the institution can take advantage of. You can get money to start your own business without collateral using the Simplified Loan program. The application is reviewed within 5 days, provided that the applicant has collected all the necessary documents (the list is determined on an individual basis). The maximum amount available for this product is 3 million rubles.

The transfer of funds occurs by transferring money to a created bank account, the opening of which does not require a large set of documentation. The loan term varies from 6 to 36 months, and the interest rate starts from 17% per annum.

Alfa-Bank also has programs related to lending to such a category of borrowers as businessmen and private entrepreneurs, but allowing them to complete a transaction for a larger amount of up to 6 million rubles. The period for consideration of the request is several days, after providing the required papers and filling out the application. According to the bank’s terms and conditions, upon registration, no commissions or other fees are charged for maintaining/opening an account, only if the client does not activate paid services.

In addition, Alfa-Bank issues various gifts in the form of certificates that help promote business in Yandex Direct and for free consultation with lawyers when registering a cash register. You can learn more about the product parameters on the organization’s official website or by calling.

Sberbank

The most profitable and easiest way to get a loan to develop a small business from scratch is to contact. The offers of the most reputable banking institution are distinguished by unique parameters, accessibility and ease of registration. Under the terms of the programs, aspiring entrepreneurs can receive financial assistance in the amount of up to 5 million rubles or 80% of the start-up capital for starting their own business. The debt repayment period is 36–48 months, and if necessary, it can be extended by another couple of years, thereby reducing the burden on the borrower’s budget.

Additional services offered by Sberbank include multimedia courses, loans for replenishing working capital and purchasing equipment, as well as detailed consultations on supporting clients at the initial stage of business development.

When considering applications from applicants, the bank is more loyal to projects based on franchises from players who occupy leading positions in their niche. But if the plan consists of a potentially new or highly competitive idea, the organization may require one of its partners to participate in the development process.

Currently, Sberbank has in its arsenal of business products the following programs: “Express secured loan”, “Credit Trust” and “Business Trust”. The first option involves providing movable and immovable property as collateral, thanks to which the client can borrow up to 5 million rubles at a rate of 16% per annum. The other two products do not require collateral, but the loan size is slightly smaller and the interest rate is a few points higher.

Loan for small business development secured

There are several options for registration with the provision of security, and one of them is secured by real estate. As a rule, the scheme for providing such financial assistance is the conclusion of an additional agreement, which stipulates the conditions for the object being under encumbrance. The borrower can use commercial or residential real estate. The most important thing for the bank is that the collateral is liquid, and if problems arise with repaying the loan, it can quickly sell it.

Thus, you can get up to 80% of the market value of the property at a low interest rate. The assessment must be carried out by an accredited company, for whose services you will have to pay from personal savings. The client retains the right of ownership and use of the property for the entire loan period, but cannot sell, exchange or gift it.

Another option for obtaining a loan for developing a small business from scratch is to provide as collateral: equipment, machinery, vehicles that are on the company’s balance sheet or owned by the founders. The conditions for issuing funds are almost similar to transactions in which real estate is involved, but the loan size cannot exceed 65% of the estimated value of the objects in the aggregate.

Currently, collateral lending is rapidly developing and becoming increasingly popular among ordinary citizens, entrepreneurs, and large companies, since in the conditions of the shaken economy of our country, it is increasingly difficult to obtain a loan without collateral. You can send a request through the official website of the selected institution, but it is best to go to one of the bank branches where you can get competent advice; this will save the borrower from unnecessary running around to the authorities, from which the documentation necessary for registration is required.

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.

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.