Small business lending per year. How to get a loan for business development? Choosing a loan product

Soft loans for business

To find out what kind of assistance to small businesses from the state in 2018 (soft loans, tax preferences and other types of support), it is not at all necessary to look for information on various sites, collect bit by bit on information and legal portals, from official sources. After all, you can turn to the source, where everything is collected in one place. The portal site was created in order to facilitate the search for information, help to get a loan or a loan, find out opinions and reviews about a particular organization, products offered.

What kind of assistance to business representatives to expect from the state in 2018

Consider the possible types of assistance that the government provides to individual entrepreneurs, as well as who can count on such support. Well, first of all, good news for legal entities. There are plans to revise the conditions for granting loans to business representatives. This means that the rate may be fixed within 10-11 percent. It will also be possible to reinvest with a loan rate ranging from 6.5 to 11 percent.

Who is eligible for small business support?

1. Newly opened IP
2. Ecotourism representatives
3. Manufacturing industry
4. handicraft industry

In 2018, a preferential loan as a form of assistance to small businesses from the state can be obtained on simplified terms, with accelerated processing. The government and banks are taking steps towards business representatives, giving a helping hand.

Also, support for small businesses is carried out not only in the form of material support, loans on simplified terms. Owners of their own business can count on various free services.

Support for individual entrepreneurs

Free assistance is expressed in the provision different kind services, information support, etc.

1. Free educational lectures, courses
2. Consultations of economists and lawyers
3. Promotion of services and goods through fairs and exhibitions
4. Provision of industrial areas, land plots

Also you can get free help from the budget. For example, you have decided to open your own business, but you do not have enough funds for basic capital. Do not rush to go to the bank for a loan, everything can be solved much easier.

What it takes to get business loans

In such a situation, you can contact the employment exchange, and get the required support.

1. Register at the employment center as unemployed
2. Conduct a detailed development of your own project, carefully describing the proposed activities
3. Register an application for participation in the tender

If your business project is interesting and promising, you will receive non-refundable support. The only condition will be a detailed report on the development of all funds allocated to you.

In addition to soft loans, government assistance to small businesses in 2018 can also be expressed in property equivalent.

1. Space for rent favorable conditions
2. Realization of state property with favorable terms of the contract
3. Objects created for business

Important! If you are counting on benefits from the state, without refusal, you should establish yourself as a promising owner of your own business, a law-abiding citizen. Do not hesitate to ask questions and consult about paperwork, compliance tax legislation and other nuances.

Also, in 2018, the state launched a grant program. In principle, getting this kind of help is not difficult.

Who is eligible for grants

In order for you to be provided with such support, you must draw up an application and submit it to the appropriate authorities.

1. Your business is over a year old
2. You pay your fees regularly and your credit history is perfect
3. You create conditions for attracting new employees

If you meet all of the above requirements. Then you will receive a grant from the state without any problems. However, before submitting an application, it is necessary to collect a complete package of documents. You should also take care of the certificate that you have not been granted grants before.

If you didn’t get a grant, you can get a soft loan from the state to help small businesses in 2018. The rate on it will be only 5-6 percent.

Who can apply for a loan in 2018

If you want to take advantage of this kind of assistance, you should check whether you meet the conditions under which such loans are issued.

1. Activities in the field of innovation development
2. Production of export products or import substitution
3. Production of oil and gas equipment

The conditions for obtaining such a loan are, in principle, quite simple. You need to prepare a complete package of documents required for the application. You can learn more about this from our consultants, because in some cases the set of papers may differ, albeit not significantly.

You submit an application with documents to your municipal or regional fund. It takes approximately three days to review, after which you will be given an answer.

In general, any owner of his own business has the right to hope to receive assistance from the state for small businesses in 2018, preferential loans. However, it should be borne in mind that the priorities for loans are arranged depending on the field of activity. There are also some restrictions. There are categories of small businesses that may not count on loans with special conditions.

Who can not count on help from the state

1. Businessmen who are on the verge of bankruptcy or bankrupt
2. In arrears on the payment of a concessional loan
3. Having any kind of debt to the budget

Many aspiring entrepreneurs have trouble finding start-up capital to start their own business. Various financial institutions and individuals refuse to lend money to inexperienced businessmen. The only way out of this situation is to get a loan. Small business loans from the state in 2019 can be obtained under preferential programs.

Types of state assistance to small businesses

Despite the protracted economic crisis, the government of our country continues to provide financial assistance to start-up entrepreneurs.

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

• Interest rate financial compensation. The state reimburses part of the funds that were spent on re-equipment and modernization of the enterprise. Entrepreneurs who are engaged in the development and implementation of innovative products, the production of products under the import substitution program, the provision of services to the population can count on such a subsidy;
• State subsidy for advance payment under the contract financial lease. If you lease equipment or vehicles, within the framework of such a program, you can get a significant discount on any equipment;
• A guarantee fund that acts as a guarantor for obtaining a loan from a bank.

How to get a loan?

Microfinance conditions:

• The maximum loan amount is 50 thousand-1 million rubles;
• Loan term – 3-12 months;
• Interest rate - about 10%;
• The money is given out under surety, bank guarantee or pledge of property.

Another option is a guarantee. In this case, the NSR support fund acts as a guarantor, and financial assistance to small businesses, a loan from the state is issued by a bank that takes part in the implementation of this program.

Let's take a closer look at how to get a business loan through a guarantee:

• Contact the SME Support Fund to get a list of banks participating in the state program;
• Carefully study the list and select the appropriate credit institution;
• Gather Required documents and take them to the bank;
• If the application is approved, contact the fund with a request to provide a guarantee.

The best concessional loan to small businesses from the state is a non-repayable subsidy. This program operates through the employment service. It aims to reduce the unemployment rate.

1. Register with the employment center and get the status of unemployed;
2. Pass special tests;
3. Take a referral to courses in the basics of entrepreneurship;
4. Make a business plan;
5. Register IP;
6. Open a bank account.

Do not forget that the money received from the state has a designated purpose, so you cannot spend it on your personal needs. Government departments strictly control enterprises that have received subsidies, so be prepared for the fact that you can come to you at any time with an unscheduled inspection.

After you receive and spend the money, you need to report on their intended use. Each transaction must be documented - an invoice, payment order or check. If you took money to create jobs, you need to provide copies of employment contracts to the regulatory authorities. In the event of the dismissal of one of the employees, it is necessary to accept another person in his place within two weeks.

After submitting the report, a representative of government agencies may come to you to verify the documents with the availability of purchased funds. If it turns out that you spent the money for other purposes, you will have to return the entire amount to the state.

Where to get a loan?

If you do not know where to get a small business loan, contact your local administration, or register for unemployment at the employment center in your place of residence. After that, you need to write an application. The next step is to find a suitable one and prepare a project plan. Do not forget to perform calculations of the payback period and profitability of the business. Your application will be considered at a special meeting. If the commission decides that it is, it will make a positive decision on issuing a subsidy.

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

Do not forget that state aid may only be used for the intended purpose:

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

To whom are loans issued?

The easiest option on how to organize your business from scratch, without having start-up capital on hand, is government lending for preferential terms. But one should be singled out important point- the state usually lends only to priority areas of activity. If you haven't decided yet, take a look at the following industries:

• Housing and communal services system;
• Construction;
• Transport;
• Production;
• innovation;
• Education and sports;
• culture;
• Healthcare.

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

When thinking about which business to open in 2019, do not forget that the trade and catering sector is not subject to state lending. But still, there is a way to get a loan for a small business in the field of trade. If the project is aimed at helping socially unprotected segments of the population - pensioners, large families or the disabled governmental support you are guaranteed. Before you turn to the state for help, carefully consider how you can make money during the 2019 crisis. After that, you can draw up a business plan and apply for a loan to the relevant authorities.

It should also be remembered that due to state loan you can not open your enterprise on a turnkey basis. Such programs are aimed at co-financing the project, so the businessman must invest part of his money.

Required documents

1. Certificate of state registration of an enterprise or individual entrepreneur;
2. Constituent documents;
3. Taxpayer's certificate;
4. Information on financial condition enterprises;
5. staffing;
6. Application;
7. Business plan.

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

All documents are considered by a special commission. To verify the information, submit appropriate requests to tax office and registration authorities. If you have previously provided false information in financial statements to reduce tax burden most likely you will be denied credit.

Related videos Related videos

State microloans

If you know exactly how to increase your capital with a small amount of money, try to get a microloan for business development. Within the framework of this program, you can count on financial assistance in the amount of up to 3 million rubles for a period of 1-5 years.

This form of lending is intended for enterprises that cannot obtain a loan from a commercial bank.

Advantages of microloans:

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

A microloan can be issued in various financial institutions that cooperate with state funds. Before applying, first find out if it is possible to get a loan from the state in this structure.

conclusions

Now you know how to get a business loan. The most important thing is to choose priority activities and develop a sound business plan. In this case, you are guaranteed to receive assistance from the state for the development of your enterprise.

When own financial resources for business development are not enough, the entrepreneur is forced to seek borrowed funds from various financial institutions, starting from the most advantageous offers, with conditions suitable for him.

On the this moment a widespread practice, but it is much easier for large firms or corporations to get a loan, but for individual entrepreneurs (IP) it is not so easy. Firstly, banks and other credit organizations are less willing to work with this category of clients, and secondly, the conditions for them are usually tougher, for the reason that when issuing a loan to an individual entrepreneur, credit institutions risk more than issuing loans to large, well-known firms.

Of course, in most cases, one of the main conditions for small businesses to receive bank loans is to provide collateral. The reason is simple: business is a risky business, and collateral is a good guarantee of loan repayment. However, not all loan products require collateral. A number of banks today offer several lending options for individual entrepreneurs without collateral.

And despite high percent, strict requirements and the frequency of failures, entrepreneurs still attract loans without collateral. Moreover, banks, although they talk about in large numbers bad debts in this area, credit limit still raise. Now without collateral you can borrow up to 30,000,000 rubles.

Where to get a loan without refusal, without references and without a guarantor in 2017? – TOP 10 banks

Here is a list of banking programs with the highest probability of approval of loan applications. Under these programs, you can take a loan without refusal, without references and guarantors. To obtain a loan, select the appropriate program and fill out an online loan application.

Apply for a loan

1. – cash loan

• Sum: from 50,000 to 2,000,000 rubles.
• Term: from 1 year to 5 years.
• Interest rate: from 13.99%
• Age: from 21 to 70 years old.
• Probability of approval: High.
• To receive you will need:
• Owners salary cards: the passport, driver's license.
• Standard credit: passport, driver's license, 2-personal income tax.

Apply for a loan

2.– loan with online solution

• Sum: up to 750,000 rubles
• Term: up to 5 years.
• Interest rate: from 14.9%
• Age: from 21 to 65 years old.
• Probability of approval: High.

Apply for a loan

3. – online application for a cash loan

• Sum: from 25,000 to 1,000,000 rubles.
• Term: from 1 year to 5 years.
• Interest rate: from 15%
• Age: from 21 to 76 years old.
• Probability of approval: High.

Apply for a loan

4. - cash loan

• Sum: up to 3,000,000 rubles
• Term: from 6 months up to 5 years.
• Interest rate: from 14.9%
• Age: from 21 to 70 years old.
• Probability of approval: Medium

Apply for a loan

5.– online application for a loan

• Sum: from 5,000 to 400,000 rubles.
• Term: from 5 to 60 months.
• Interest rate: under 12%
• Age: from 20 to 85 years old.
• Probability of approval: Medium

Apply for a loan

6. - fill out the questionnaire in 5 minutes and get a credit card

• Sum: up to 300,000 rubles
• Interest rate: 0.12% per day, interest-free period up to 55 days.
• Age: from 18 to 70 years old.
• Terms: without inquiries and a visit to the bank.
• Probability of approval: High.

Apply for a loan

7. - for clients without overdue loans

• Sum: up to 1,300,000 rubles no commission.
• Term: from 6 to 36 months.
• Interest rate: from 15.9%
• Age: from 23 to 65 years old.
• Probability of approval: Medium

Apply for a loan

8. - express credit in cash or on a bank card

• Sum: up to 500,000 rubles
• Term: from 2 to 5 years.
• Interest rate: from 15.9%
• Age: from 24 to 70 years old.
• Probability of approval: High.

Apply for a loan

9. - a loan without references from 15 minutes

• Sum: from 5,000 to 200,000 rubles.
• Term: up to 4 years.
• Interest rate: from 13%
• Age: from 21 to 75 years old.
• Probability of approval: Medium

Apply for a loan

10. - fill out an online application in 10 minutes and get a decision immediately

• Sum: from 50,000 to 2,000,000 rubles.
• Term: up to 5 years.
• Interest rate: from 14.5%
• Age: from 22 to 60 years old.
• Probability of approval: Medium
• You will need a document confirming income: or a certificate of 2-NDFL.

Small business loan up to 2,000,000 rubles in 24 hours

Today, in the financial services market there is a very interesting online service on lending to small businesses, this service is called Potok. The essence of this service is that the loan is issued not by a bank or an MFI, but by thousands of users of the Potok online service. For users, this is an alternative to investing, and for entrepreneurs, instant money without banking delays and difficulties.

Therefore, get a loan in this online service, much easier than in a bank. You don’t have to collect documents and certificates, you won’t be required to pledge, you don’t need to travel anywhere, you can get a loan online without leaving your home or leaving your workplace.

The most important advantage of this online loan service is the high probability of approval. Because banks demand collateral, ignore entire industries, and use outdated company valuation methods. Online service for issuing loans "Potok" created new method, thanks to, solvent companies can get a loan quickly and without nerves!

Credit conditions for the online service "Potok":

• Without collecting documents and without collateral online.
• The loan decision is made within 15 minutes.
• On average, it takes 24 hours from the moment of application to the receipt of a loan.
• The maximum loan amount is 2,000,000 rubles.
• The interest rate on the loan is 2.5% for 6 months.
• The loan is issued for a period of 1 week to 6 months.
• You can take and repay a loan in 2 clicks.

A little about the Potok online lending service itself

Potok is an innovative online service established by Alfa Group and integrated with Alfa Bank. Alfa-Bank is a data provider for small business valuation and performs settlements between participants in Potok.

The Potok online service was founded on February 29, 2016, and at the moment there are thousands of individuals lending to small businesses throughout Russia.

Loans are issued to all small business companies engaged in wholesale and retail, including car sales, construction, advertising and even development software. There are no restrictions on the choice of a bank, a lending company can hold a current account in any bank in Russia.

What is very important and convenient? – To apply for a loan, you do not need to collect a package of documents with many different certificates, and the entire process of applying for a loan is carried out online and most companies receive a loan within a day after applying.

Features of loans without collateral

In most cases, in order to guarantee the return of funds spent on a loan, lenders ask to secure a loan with collateral - the property of the enterprise or the personal property of the entrepreneur himself, for example, real estate, land, vehicles, etc. But what if you don't have collateral to offer to a lender to get a loan? It is necessary to consider all possible offers and conditions for issuing loans to small businesses without collateral. Knowledge of banking products, as well as the requirements for them, will help you make the right decision and, if necessary, find a loan on the most favorable terms.

Credit funds are issued to individual entrepreneurs for various purposes– to expand the production base, introduce new technologies, open a new line of business or develop an existing one. It should be noted that in most cases, the purpose of obtaining a loan is of great formal importance, but most often there is misappropriation of credit funds, because. after the loan is issued, no one controls its intended use. However, both in the case of a secured loan and a loan without collateral, when it is received, the loan amount stipulated by the agreement is credited to the borrower's current account at a time.

When an entrepreneur takes out a secured loan, the credit institution insures its risks with:

• guarantees (both third parties and business owners);
• property (the entrepreneur himself, or third parties).

And in the case of an unsecured loan, the issuance of a loan for a lender is associated with high risks of losing the funds issued, so the requirements for an entrepreneur who takes an unsecured loan are much higher, and the procedure is a little more complicated.

Pros and cons of loans without collateral

Comparing secured and unsecured types of credit, one can immediately distinguish the following cons unsecured loans:

• high interest rates;
• Fewer loan offers without collateral;
• shorter repayment period;
• a more thorough check of the borrower for compliance with the conditions for issuing a loan;
• limited maximum loan amount.

High interest rates compensate lenders financial risks in those rare cases when borrowed funds are not returned. The number of offers of such loans on the market for these services is a smaller part, for the simple reason that with secured loans, as a rule, there is less hassle and in case of non-repayment of the loan, the collateral object passes to the lender, it is subsequently sold and thus covers the damage, or the damage is compensated by the guarantor who secured the loan. In this case, credit institutions can afford to lower the interest rate, because. it is not insurance against the loss of funds issued, but acts as a fee for the loan service.

With regard to a shorter repayment period, as well as a smaller maximum amount, usually provided for loans without collateral, then the rule described above works here - when issuing a secured loan, there are fewer risks, which means that you can offer a larger amount for a longer period.

As already mentioned, the verification of an entrepreneur who takes a loan without collateral is more stringent, since in this case the previous credit history of the borrower, his financial stability and other positive qualities are the only points on which a decision is made. In the case of the existing collateral, even, for example, not the most positive credit history of the borrower only slightly spoils the situation, because in any case, the entrepreneur guarantees the return of funds, in extreme cases, through his property or the property of the guarantor.

However, an unsecured loan can be profitable loan for small businesses, and in some cases life-saving, if there are no other options for obtaining funds. In addition, despite the thoroughness of the verification of the borrower, a loan without collateral implies ease of registration, which is not much different from obtaining a regular loan. consumer credit. Therefore, the following advantages can be distinguished:

• lack of collateral;
• no costs for valuation of collateral, insurance and transfer of property rights;
• saving time;
• free disposal of all property that does not act as a pledge;
• ease of design.

Conditions for granting a loan to a small business without collateral

In Russia, there are quite a lot of banks and other credit organizations that offer their own IP lending program without the conditions for securing a loan with collateral. Among which the largest are OJSC Sberbank of Russia, PJSC Promsvyazbank, JSC UniCredit Bank, OJSC AKB Investtorgbank and LLC Promselkhozbank.

Let's find out what are the general approximate requirements of the banks listed above using the example of existing loan programs for individual entrepreneurs without collateral:

• the presence of a passport of a citizen of the Russian Federation;
• the presence of a residence permit or temporary registration;
• military ID, for men under 27;
• certificate of tax registration;
• certificate of state registration as an individual entrepreneur;
• a certificate of ownership or a lease agreement for the premises in which the individual entrepreneur works;
• permission to certain types activities, if any;
• copy financial statements, which was handed over and also accepted in tax authority for the last reporting period;
• balance sheet and income statement for the last 3 years;
• statement of the movement of funds on the account for the last six months to a year;
• an order to appoint a chief accountant or other employee authorized to keep records and a copy of his passport;
• tax receipts;
• doing business in the region where the creditor bank is located;
• term actual activity from 24 to 36 months;
• the age of the borrower is from 23 to 60 years;
• lack of bad credit history.

As for other banks and credit organizations, the main list of requirements is approximately the same for all, but additional requirements may be put forward by credit managers of other organizations, including the presence of a detailed business plan in which the individual entrepreneur needs to state for what purposes the received loan funds will go.

Based on these data, if you look at them carefully, it becomes clear that, despite the extensive list of requirements imposed by the bank, they are not exclusive and do not involve much red tape. If desired, the required package of documents for obtaining a loan without collateral for a small business entity can be collected in one day, but consideration and decision-making in the case of unsecured loans is not so fast, due to the above-described need for a thorough check of all submitted documents. For example, on the website of PJSC Promsvyazbank it is indicated that the decision is made within 7 working days.

For small entrepreneurs, obtaining a loan without collateral is very often the only financing option, therefore, when deciding whether to apply for a loan, you need to carefully read the chosen institution, reviews about it and its conditions.

In addition, before visiting the manager credit institution, you need to carefully prepare the documents provided to him - put in order the accounting department, draw up a high-quality business plan and consider possible answers to questions.

And you must understand that due to high credit risks, rates on unsecured loans are always higher than on ordinary ones.

Small business loans without collateral - options

Entrepreneurs who want to get a loan without collateral have the following options:

• Profitable offer. Today, a number of banks offer representatives of small businesses to take a loan for any business purpose, moreover, without providing collateral.
• Microcredit (small loan). If a businessman needs a small amount money (about 1 million rubles) for the development of his business, also without providing property as collateral, he can take a microcredit. Most of these loans are provided by microfinance institutions (MFIs). At the same time, large banks also have microcredit programs, where the interest rate is much lower.
• Express loan for business. If an entrepreneur does not have collateral, and he urgently needs a relatively small amount of money, he can use the program of unsecured express lending. Express loan (urgent) differs from the consumer one in that it takes much less time to consider the application of the first (just a few hours). As a result, the borrower often receives the money on the day of contacting the bank. Of course, due to the lack of collateral, as well as the short time for consideration of the application, for registration loan agreement banks, as a rule, request a fairly solid package of documents.
• Overdraft. If a small business owner needs short term loan, then he can turn to such a typical loan product as an overdraft to a current account. You can also issue it without providing collateral in the bank where the business has a current account and there were turnovers on it. An overdraft is a form of loan in which a bank customer is allowed to use more funds than he has in his current account. In other words, the enterprise gets the opportunity to “go into the red” by the amount of the limit set by the bank. The limit, in turn, is calculated taking into account the average volume of cash receipts to the current account for three to six months (usually it is 30-50% of this amount).

What to do if you are denied a loan without collateral?

And for those individual entrepreneurs who do not have the opportunity to provide collateral, and they failed to take an unsecured loan, there remains the opportunity to get into the state program for providing guarantees for small businesses from the Credit Assistance Fund. This non-profit organization created to help develop small and medium-sized businesses. To date, the Fund cooperates with a large number of banks throughout the territory Russian Federation and provides loan security from 30 to 50% (depending on the field of activity of the enterprise) those individual entrepreneurs who fall under the terms of the Fund's program in the region submit an application and go through the established procedure. As a rule, the procedure for assisting this Fund in issuing an individual entrepreneur loan consists of the following steps:

1. Applying for a loan to a bank that cooperates with the Fund.
2. Consideration of the application and adoption of a positive decision on it.
3. Transfer by the bank of the specified application and attached documents to the Fund.
4. Acceptance of a positive decision by the Fund.
5. Signing a tripartite guarantee agreement.
6. Payment of remuneration to the Fund.

A brief comment on the last 6th paragraph - the amount of remuneration for the provided guarantee is relatively low and amounts to 1-2% of the amount for which the Fund guarantees for the borrower. This amount is paid once, upon signing a tripartite agreement. In addition, the cost of remuneration of the Fund can be compensated from the city budget in the amount of up to 90%. To learn in detail the conditions and procedure for obtaining a guarantee from the Credit Assistance Fund, enter the Credit Assistance Fund for the specific region in which you live in the search engine.

In conditions economic crisis, small businesses are in dire need of additional capital investment. It's getting main reason for entrepreneurs in need of loans.

Conditions for 2020

"Borrow" cash to develop your business or start-up today is not so difficult.

For this it will be enough meet certain banking requirements.

If you wish, you can ask for help from government agencies or private entities.

Moreover, it is necessary to understand that the main obstacle today remains high interest rates, which significantly exceed the rate Central Bank Russian Federation, which, according to existing economic standards, is rightfully considered a pleasure not cheap.

Basic requirements for a potential borrower

Despite the fact that each lender puts forward his personal conditions for lending to small businesses, often the so-called portrait of the borrower must meet such general requirements , how:

• obligatory presence of citizenship of the Russian Federation;
• mandatory permanent registration;
• age category from 21 to 65 years;
• impeccable credit rating;
• the presence of an official source of income.

If these criteria are not met do not count on financial assistance.

Receipt

First of all, a potential borrower must have an impeccable business plan. Based on this document, creditors evaluate the chances of returning borrowed money. A big advantage is the fact that there is any movable or immovable property in the ownership right to provide it as collateral.

If there is no suitable collateral, it is necessary to without fail provide guarantors, otherwise you should not count on financial support.

According to statistics, the country's budget is formed from small businesses on 30-35% . For this reason, the Russian government always talks about the need for financial support for individual entrepreneurs.

For these purposes, many government programs are developed annually, which allow significant savings on interest overpayments.

Those entrepreneurs who could not take part in state programs, they have a right choose a different support program from different banking institutions.

Where to get

Depending on which program there will be an attempt to obtain a loan, the lender you need to contact also depends.

Preferential variety

For today provided not a few preferential lending programs for small businesses. For individual entrepreneurs, there are subsidy services that are aimed at stimulating potential SMEs. Through the use of one of the programs, can be significantly reduced credit burden, while reducing the amount of monthly mandatory payments.

Often, such programs do not operate in all regions of the Russian Federation, so you can learn more about them at the place of residence in authorized body where such a service is provided (for example, initially you need to contact the local authorities, and after agreement - to one of the banking institutions).

You can get a loan without collateral only in the presence of guarantors. Thanks to such lending programs, entrepreneurs have a chance to improve the situation in business by issuing financial assistance for its development at low interest rates.

A distinctive feature of obtaining this type of loan is complexity in design.

This is largely due to the fact that such financial assistance for creditors carries a high risk of losing their borrowed funds, so the requirements are very stringent.

Such lending programs operate in almost all banking institutions of the country.

State programs

Today there is a range of government programs, which allow small businesses to receive profitable loans for the development of their entrepreneurial business.

In most cases, here we can talk about regional programs that operate only in some regions of the Russian Federation. To be able to participate in one of them, you must contact the local authorities.

Entrepreneurs who need a little financial help should seek help from MFI who provide loans online.

Today, almost without exception, MFIs include the possibility of obtaining micro financial assistance entrepreneur to grow his business. The only drawback is the daily interest rate.

State guarantee

Every aspiring entrepreneur who has been able to stabilize the flow of profits and build the foundation for his stable entrepreneurial activity can apply for a government guarantee provided by the Small Business Foundation.

Thanks to this guarantee option, you can get a loan at any bank. at a low interest rate.

Tariffs and interest rates

Each banking institution has their tariff rates and the amount of financial assistance provided for small businesses.

Consider the sentences in the table.

In fact, all financial institutions, without exception, have some kind of program to support small businesses. Each of these programs is aimed at the possibility of obtaining the necessary financial support for the entrepreneur and therefore includes the most favorable conditions.

The most profitable offers

Most advantageous offer today is a lending program from Sberbank "Business Start". As collateral may be the assets of the entrepreneur.

This program is beneficial in that it is provided exclusively to those entrepreneurs who, in the opinion of the bank, receive a stable income and are solvent.

Sberbank has been supporting small businesses for a long time and therefore they have many offers for individual entrepreneurs. Their stability in work allows us to say that this is a reliable business partner who can be trusted.

Need to remember: in the event of a refusal in one of the banking institutions, you must contact another lender and, if possible, reduce the desired loan amount.

Additional information is in this video.

From the table above, we can see which banks provide loans to businesses. Let's take a look at what entrepreneurs should pay attention to when looking for a bank. The main selection criteria are:

popularity of the bank (new banks are cautious in lending to businesses, and therefore offer inflated rates and various commissions. The larger the bank, the more loyal the conditions for receiving funds);
branching credit programs(the more programs, the better. You can choose the one you are interested in targeted loan on the most favorable terms);
commissions (some banks issue money with a commission, which on average takes up to 2% of the loan amount);
the possibility of early repayment (it is better to choose a bank where such a service is provided. There are also credit organizations that allow you to repay the loan ahead of schedule only after a certain time - from 3 months to 2 years. During this time you will overpay a lot);
concessional lending (large banks cooperate with the state and offer loans under low rates and long term)
Availability current account(if you already have an account with one of the banks, then you should apply for a loan here. There will be favorable conditions and benefits for you);
a list of documents (by choosing a bank that offers a simple package of papers for obtaining a loan, you will receive a high interest rate. Than complete list documents, the higher the probability of reducing interest to a minimum level);
collateral (some banks require full collateral for the loan, others do without it. Keep in mind that the presence of collateral or guarantors makes you a more reliable borrower, and therefore there is a chance to get a large sum).

How to get a loan and what is needed for this

Now let's find out what it takes to get a loan. First, it is worth considering such a nuance: loans for medium-sized businesses are issued only to registered legal entities. The same applies to IP. If the opening of a business has not yet taken place, then this will become an obstacle to obtaining credit funds. Moreover, many banks only finance the business that was registered at least 3 months ago.

The procedure for obtaining bank loans for legal entities consists of the following steps:

choose a bank and decide where to get a loan;
we find out the terms of lending (you can read them on the website or contact the branch);
we collect a package of documents (for this you need to visit the tax office, a notary, collect all the papers regarding the pledge);
we submit an application (you can apply for a loan through the bank's website or directly at its branch. In the first case, it is enough to indicate a little information about your company, contact information and the desired conditions for the loan. Within some time, the operator will call you and inform you of a preliminary decision. If it is positive, then you need to visit a bank branch.When applying through an employee at a branch of a credit institution, you can immediately be informed of a preliminary answer);
then the procedure for assessing your security is carried out (the specialist will find out the value of the collateral, and also assess the reliability of the guarantors);
making a decision by the bank (the waiting period lasts from several hours to 2 weeks. It all depends on the amount you declared, the goals of lending and the policy of the bank. The latter will study your creditworthiness and may pay attention to your previous experience of repaying loans in another bank);
if the application is approved, the operator will call you and invite you to sign the documents;
then you need to familiarize yourself with the terms of the contract, the repayment schedule, check and sign all the necessary papers;
within a few days the amount will be transferred to your account, about which you will be notified by a bank employee.

After you receive the loan amount, the bank will periodically show interest in spending the funds if the loan was taken for a specific purpose. You will be required to provide supporting documentation for the duration of the contract.

The bank will also monitor the value of your collateral. Employees can organize a visit to the location of the property and check its integrity, as well as compliance with the conditions stated in the contract.

What documents are needed to get a business loan

Depending on the terms of lending, Russian banks may require various documents to obtain a loan. Some of them will relate to registration, which are necessary for the proper conduct of business, and some are financial reports, with the help of which the bank judges the reliability of the borrower.

The first block of documents includes the following:

taxpayer registration form with the Federal Tax Service (in the form of a certificate);
founding documents certified by a notary;
card with samples of signatures and seals;
orders for the appointment of persons with access to operations on a credit account;
information about the branch network of the company;
activity licenses and patents.

balance sheet for the last financial year;
balance sheet for the previous quarter;
certificates of transactions on settlement accounts opened with other banks (for a period of up to 1 year);
certificates of no debt to the state;
statements on existing loans in other banks (not all banks lend in the presence of existing debt).

Also, the specifics of the agreement with the bank may require the following documents to obtain a loan:

bail papers;
agreements you have signed with business partners;
business plan (if you want to get support for project financing).

General requirements for borrowers

By issuing loans to small businesses, the bank risks its own funds. And taking into account the fact that considerable funds are provided, the bank may lose a significant part of its capital. To reduce the risks associated with bad faith borrowers, credit institutions impose a number of requirements on potential customers.

Banks that issue loans pay attention to following conditions:

the period of existence of the company (it cannot be less than 3 months, although many banks lend to legal entities registered no earlier than a year ago);
the company's activities do not cause losses (financial statements are carefully checked for this);
availability of collateral (it may be a pledge, surety of third parties or guarantees);
the absence of overdue debts in other banks and a good credit history;
the company is not involved in fraud;
a legal entity regularly pays taxes and contributions to off-budget funds;
if the loan is issued to an individual owner of the company, then his age at the time of completion of the contract should not exceed 70 years (some banks deviate from this rule);
the borrower is a resident, and the company is located in the region where the bank is located.

Which business is most often approved for a loan

Commercial banks lend to both start-up businesses and those registered a few years ago. Trends in the issuance of funds have not changed for a long time: there are several relevant areas that banks lend with great pleasure. So what kind of small business is given a loan?

Among the areas of lending are:

production (especially if you are engaged in high-demand machinery and equipment);
Agriculture(in this area there are also government programs, which are actively picked up by many large banks);
highly liquid sales (such a business pays off at a high speed, which gives the bank hope for a loan repayment. Drinks, including alcohol, tea and coffee, are sold quickly and with a maximum margin. It is easy to get a loan for small businesses in this area);
real estate (today this area is in high demand, and new housing is in great demand among the population. Construction of inexpensive housing with subsequent resale is a fairly common type of business);
socially significant projects (services for the population, for example, small kindergartens, schools, etc. The loan is issued for small businesses, mainly for individual entrepreneurs);
infrastructure development.

At the same time, there are oversaturated areas that are not suitable for a business from scratch, as banks are reluctant to lend to them. These include:

petty trade;
restaurants and cafes;
travel agencies and others.

When is a deposit required?

The conditions for obtaining loans for legal entities are often associated with collateral. It is not required in the following cases:

loan amount up to 3,000,000 rubles;
credit is issued for any purpose;
loan term - from several months to 1 year.

If you want to get a loan on the most favorable terms and even for a large amount, then collateral in the form of collateral will become prerequisite when applying. A deposit will also be required in the following situations:

acquisition of property, which you can dispose of only after paying off the loan (you buy an object, which becomes collateral);
for any types of targeted lending (for working capital, real estate, transport, equipment, etc.);
long-term lending (programs for up to 20 years are not issued without collateral);
state-supported loan.

If you want the application to have a high chance of being approved, then it is better to provide the bank with a deposit. Moreover, its amount can be from 70% of the cost of the loan. An accurate assessment of your property is made by a specialist on the date of taking the loan and periodically during the validity of the agreement with the bank.

The pledge can be:

movable and real estate(buildings, cars, plots of land);
machinery and equipment;
securities;
deposits;
goods and stocks of the company;
property rights And so on.

Average interest rates and what they depend on

In 2017, interest rates on loans for legal entities in different banks vary from 10 to 30%. They depend on a large number of indicators, as well as the policy pursued by the credit institution. The main criteria that affect the rate are as follows:

credit amount;
loan terms;
payment currency;
availability of collateral;
company size;
industry in which the legal entity is engaged;
participation of the state in business support;
financial indicators borrower;
creditworthiness of the debtor;
previous lending experience legal entity;
the presence of a current account in the creditor bank;
the current situation in the country.

Most low interest are offered to large and reliable companies with extensive experience in repaying loans on time. The state can allocate funds to support businesses, and if it cooperates with a bank, then you are entitled to receive an interest rate of 9.6%. For individual entrepreneurs, the rates will be somewhat higher, since this category of borrowers poses high risks for banks.

Having a deposit also greatly simplifies and speeds up the approval process. loan application for LLC and other forms of business. At the same time, you can get a loan at an attractive interest rate. The property is transferred to the bank, which means that if you are unable to repay the debt, the credit institution will sell the pledge and return its funds.

Average loan terms for small and medium-sized businesses

All types of business loans are issued for certain deadlines:

up to 12 months (short-term lending);
from 1 to 5 years (medium term);
up to 15 years (Long-term).

The most relevant term for providing financing to small businesses is a period of up to 3 years. Large companies bank can issue large sums for 5 years. The higher the term, the greater the bank's risks associated with the loss of funds.

Medium-term loans are targeted and are issued for:

purchase working capital;
for business development;
investment projects And so on.

You have the right to reduce the loan term if the terms of the agreement with the bank allow it. If available financial opportunity, then you can return the funds earlier without overpaying the loan. Some banks have developed a system of fees and penalties for early repayment. This point should be immediately clarified when choosing a bank. The latter does not want to lose his profit, and therefore tries in every possible way to limit the client's freedom of action in relation to borrowed funds.

What to do if you are denied a loan

The refusal of a bank to obtain a loan for a business is a common situation. Moreover, often banks are silent about the reasons for such an action, which is due to the regulations of their work. If your application was not approved by a credit institution, this is a reason to think about what nuances were not taken into account in the procedure for processing funds.

Which bank gives a loan without refusal? There is no unequivocal answer to it, since each bank has its own policy, work regulations, and no one has canceled human errors.

In case of refusal, it is recommended to wait a while and start your own business in order to re-apply later (possibly to another bank). Reviews of numerous bank customers say that you should be more careful about the preparation process before applying for a loan.

Don't forget to consider the following points:

collect a package of documents in a complete set (papers must be properly certified with the necessary signatures and seals. If the bank requires originals, then copies will not work. Certificates have their own expiration date, which is better to check with the credit institution in advance. Also, do not neglect the form with credit history, which will tell a lot about you to the bank);
provide high-quality collateral for the loan (if you involve guarantors, then the bank should not doubt their solvency. These persons must also provide the maximum possible package of documents and, most importantly, confirm their own financial solvency. It would be better if the value of the collateral provided exceeds the declared amount on the loan. So the bank will have more confidence in the return own funds);
do not apply for a loan by proxy through third parties and specialized firms. Banks treat these categories of borrowers with caution and prefer to deal with the first persons of the company;
pay special attention financial reporting firms (put all the papers in order, the bank should not have suspicions about their authenticity)

When applying for a loan, study the conditions of the bank in advance. Perhaps they stipulate the nuances under which your company does not fall as a borrower, and this will become a 100% refusal to issue money. And remember that any refusal to issue bank loans (even through no fault of your own) is reflected in your credit history, which may cause banks to be unwilling to cooperate with you. Therefore, after the refusal, you should not immediately visit many banks, it is enough to wait for a while.