Small business lending programs by sberbank of the russian federation. Loan in Sberbank for individual entrepreneurs to start a business from scratch

Opening your own business is the dream of many people, but any business needs money, and saving it for 10-20 years is not an option, you need to implement a business idea here and now. What to do? Well, of course, look for borrowed money, and for this you can take a loan for a business from scratch at Sberbank or a loan for an individual entrepreneur.

Why Sberbank?

In fact, no matter which bank and who to borrow money from, the main thing is that it is as cheap as possible. And Sberbank seems to offer more or less acceptable lending terms. In addition, Sberbank has this moment most working capital, the chance to get a loan from him increases by an order of magnitude.

And, of course, no one canceled the stereotypical thinking of the population - Sberbank in the minds of a Russian citizen, this is practically National Bank, he is stable and loyal to the implementation of state programs for the development of small businesses.

Here are just a small business is bent from year to year, it would be better if no one helped him! But now is not about that.

So take a loan for a business from scratch at Sberbank, or at least a loan for an individual entrepreneur?

Sberbank has a loan program - Business-Start, which allows young entrepreneurs to get a loan for a business from scratch.

ATTENTION! WITH 2016 Sberbank canceled the Business Start program for young entrepreneurs who want to organize their business from scratch on borrowed funds... The country is spooky economic crisis. Sberbank no longer believes in small business profitability and does not believe that any business can pull their interest rates! Otherwise, instead of the canceled Business Start program, another program would have been offered, but it was not offered. Draw your own conclusions!

Indeed, this is a good program, although it has its own "tricks":

you don't have to have an active business
you have to invest in the loaned business 20% of your own capital
the borrower's age must be up to 26 years, not older
and the borrower must in mandatory pass the training entrepreneurship course
a loan for a business from scratch in Sberbank can only be obtained if you provide a business plan and it is approved by Sberbank
or if you sign up for a franchise of a well-known brand (thus, you go through a double stage of selection for the seriousness of your intentions, the first stage for the franchisee, the second for Sberbank)

As you can see, the conditions for lending to a young individual entrepreneur at Sberbank are not sugar-rich, and this is not to mention the fact that you need to collect huge piles of documents at each stage of application approval, and the process of obtaining a loan takes months.

And what do you get by fulfilling all these requirements:

loan up to 3 million rubles
loan term up to 3 years
interest rate from 18.5% per annum, its size depends on the loan amount, term and generally on your candidacy

There is one more "BUT" - Sberbank is no longer engaged in lending under the "Business Start" program and in general is no longer engaged in issuing loans for businesses from scratch.

So what to do?

Try to get a different type of loan for individual entrepreneurs, on terms different from Business-Start!

Other credit programs for individual entrepreneurs at Sberbank

Express loans

Sberbank distributes express loans to entrepreneurs only on the condition of providing real estate, for example, an apartment or commercial real estate. And the purpose of the loan depends entirely on the type of express loan.

Views:

Express Mortgage
Express loan secured

Express mortgage can be issued for the purchase of residential or non-residential real estate, and "express loan secured" is issued for any purpose.

Loan terms:

loan term up to 10 years
interest rate from 16.5%
amount up to 7 million rubles
loan collateral - real estate
surety of individuals is required
opportunity for free

Borrower requirements:

age from 23 to 60 years
an experience entrepreneurial activity not less than 12 months
business turnover up to 60 million rubles
a current account is required

Loans for any purpose

A loan for an individual entrepreneur at Sberbank can also be obtained in the form of trust loans:

credit "Trust"
credit "Business-Trust"
loan "Business Project"

Credit conditions are very simple:

the minimum loan amount is 30,000 rubles
maximum loan amount up to 3 million rubles
loan term up to 48 months
annual interest rate from 18.5%
collateral is not required
but it is required
granting the purpose of lending is not required
you can issue collateral in the form of a Guarantee, which will reduce the interest rate
the bank compulsorily evaluates the entire economic activity entrepreneur

Loans for financing working capital

In Sberbank, it is also possible to take out a loan to individual entrepreneurs to replenish working capital if your business is growing strongly and you do not have enough of your own funds. Of course, you need to use borrowed money!

Loan programs for loans for individual entrepreneurs:

Business Turnover
Business Overdraft

Lending conditions for the "Business Turnover" program:

the amount is up to 3 million rubles, but it all depends on the borrower
company turnover up to 400 million rubles per year
business experience from 3 months
up to 4 years
interest rate from 14.5%
either a surety of individuals is required, or, or a pledge of inventory items
the opportunity to repay the loan ahead of schedule (and how to write an application for early repayment, )

The Business Overdraft program involves lending
entrepreneurs with active settlement accounts in Sberbank, thus the funds in the accounts are a guarantee of the return of borrowed money.

Lending terms for the Business Overdraft program:

amount up to 17 million rubles
term up to 12 months
interest rate from 13% per annum
commission for opening an overdraft 1.2% of the loan amount
security in the form of surety of individuals
no insurance required
business age at least 12 months

Loans for the purchase of capital goods

A loan for a business from scratch in Sberbank can also be obtained in the form of a specialized loan for the purchase of means of production (machine tools, real estate, land, machinery, cars, etc.).

Loans for the purchase of means of production at Sberbank are no different in terms of terms from similar loans from other banks, and are somewhat similar to. Everything is the same - you need to collect a bunch of documents, add an initial fee from 20% or more, and immediately pledge the acquired means of production.

Credit programs:

Business-Asset, up to 7 years, amount from 150,000 rubles, rate from 14.5%
Business Auto, up to 8 years, amount from 150,000 rubles, rate from 14.5%
Business Real Estate, up to 10 years, the amount of 150,000 rubles. , rate from 14%
Business-Invest, up to 10 years, the amount of 150,000 rubles. , rate from 14.4%

Loans for tenderers

Loans for individual entrepreneurs in Sberbank can also be issued to participate in state and other tenders, because this also requires significant funds, not only for the implementation of the won tender, but also for filing an application for participation.

Programs:

Business Contract
Business Guarantee

Conditions and requirements for the "Business Contact" program:

the opportunity to get a loan for the execution of contracts within the country and for export contracts
the opportunity to get a loan up to 80% of the contract amount
in the form of a loan or in the form of a non-revolving line of credit
the ability to adjust the maturity of the loan to the schedule of receipt of proceeds from the won tender
loan term up to 36 months
rate from 14% per annum
loan amount from 500,000 rubles to 200 million rubles
security is required in the form of surety of individuals, pledge of property and rights under the contract
commission for servicing loans issued for the implementation of export projects ranges from 1.5% to 70% of the loan amount
"Business Contract" issued only to residents of the Russian Federation, with experience of doing business from 3 months

WITH "Business Guarantees" from Sberbank, everything is a little more complicated - this is not a typical loan, it is a symbiosis of insurance against offensive insured event... Simply put, if you fulfill the contract, but are not sure that your own funds can be enough, you are not sure that it will not appear cash gap, in this case, you can contact Sberbank to insure you with borrowed money if a cash gap appears.

Sberbank PJSC is a financial institution offering various credit programs to individual entrepreneurs and LLC owners. Among these offers, you can find a loan that allows you to start your own business from scratch. What are the conditions for such a loan?

Basic conditions for granting a loan for starting a business

The borrower of Sberbank can be an individual entrepreneur, director of an LLC or an individual who has not previously carried out entrepreneurial activities (the last 6 months are taken into account). The minimum client age is 23 years. The maximum threshold is 60 years. The applicant must necessarily have a residence permit and citizenship of the Russian Federation.

In order to become a client of Sberbank and, with the help of its investment, open a business, it is necessary to draw up a business project or conclude a franchise agreement with already known retail chains or organizations that provide services to the population. Next, you should prepare documents and find guarantors - individuals or owners of LLC with a sufficient level of income and high credit rating... The surety is the only obligatory security for the loan. If the borrower can provide collateral, for example, the real estate he owns (retail equipment, building), the loan rates will be reduced, and the likelihood of the application being approved will increase.

Within the framework of the presented project, the borrower is obliged to designate a certain amount required to start in his business. Moreover, he must have a start-up capital - at least 20% of all required investments.

Documents required for loan approval

To get a loan for a business from scratch in Sberbank, you need to prepare the following list of documents:

Application form... The document can be downloaded from the website of the financial institution and filled out independently. It is also filled in by a bank employee at a personal meeting with the applicant.
Passport with a mark of permanent registration or with a document confirming that the client is temporarily registered in Russia.
Constituent documents for LLC or registration documents for individual entrepreneurs (extracts from unified registers, charter, TIN, OGRN).
For men a military ID or a certificate of registration obtained at the military registration and enlistment office is required for a loan.
Balance sheet, reports on profit and loss (it is possible with zero), tax returns or other financial documents SP, LLC, if they were registered earlier. If registration legal entity took place the day before, a business project is required.
For the guarantor- 2-NDFL certificate or tax return(if the guarantor is LLC).
For companies opening a franchise business - the owner's consent in terms of cooperation with this individual entrepreneur or LLC. This can be an official letter drawn up on the organization's letterhead or a copy of the agreement with the franchisor.

It should be said that the loan funds will be transferred to the client's current account. This means that a bank statement or a card with sample signatures will be considered a mandatory document.

The basics of interacting with a bank or how to become a businessman?

After the first meeting and from the moment of submitting all documents, you must wait for a decision from the bank. The term of consideration will be no more than three days... As a rule, in the absence of credit history natural person in Sberbank, he will be offered to open a small business together with a number of other services - cash settlement, acquiring, cash collection, etc.

The purpose of lending can be any, including the purchase of equipment or filling the trading back with an assortment. In some cases, the bank offers to insure working capital.

The money transfer will be made to the current account after approval within a few hours. Debt payments can be made in annuity payments on a monthly basis by replenishing the account or by depositing cash at the cash desk of Sberbank.

Benefits of loans for business in Sberbank

The presented loan from PJSC Sberbank is a convenient and simple way to start a business. The product has the following advantages:

The minimum period for consideration of an application from an individual entrepreneur or representative of an LLC is up to 3 working days.
The ability to borrow funds without collateral.
The loan amount can reach three million rubles (it will directly depend on the solvency and reliability of the borrower).
Lack of commissions for the consideration and issuance of money.
The loan term reaches three years.
The rate is determined individually, starts at 14% per annum.

It remains to note that early repayment of the loan received is not prohibited. The percentages will be recalculated. And the client will be able to take more large sum already for business development.

Wanting to organize own enterprise, many are faced with a lack of sufficient funds. Receiving bank loan at the start of your business helps to solve this problem. Often, a loan for starting a business is the first step on the way to private entrepreneurship.

Is it possible to get a business loan from scratch

Applying for a loan to develop your own business is considered a risky transaction for banking institution... There is no absolute guarantee that a loan for starting a small business from scratch will be paid off. In case of bankruptcy, the newly-made entrepreneur can declare himself bankrupt in a month and refuse to return the funds. However, funding for entrepreneurship is being resumed little by little. It is possible to take out a loan for a business from scratch subject to strict conditions.

Under what conditions do they issue a loan for a business from scratch?

The likelihood of getting a loan for a startup increases if you have:

Good credit history. Lack of successful past loans, outstanding or late payments can lead to a refusal to issue a loan.
Competent business plan. The obvious possibility of earning a small but stable income from their business will persuade experts to make the right decision.
Parallel employment. Stable income allows you to safely repay a loan for starting a small business from scratch.
Collateral property. This is a powerful money-back guarantee, which speaks of the client's serious attitude to lending.
A third-party individual as a surety.
Starting capital of at least a quarter of the required amount.

Which banks issue small business loans from scratch

Those wishing to organize their own business can use the help of financial institutions. A small business loan from scratch is issued in:

VTB24 offering the most low rates for legal entities, various conditions. The requirements for an LLC and an individual entrepreneur differ significantly. Often, real estate is required as collateral to issue a loan.
Sberbank, issuing a loan under the Business-Start product. Financing is provided for the developed project. It is possible to work as an entrepreneur on a franchise.
Rosselkhozbank, representing different credit products for the establishment of small businesses. There are no restrictions on the amount.
Alfa Bank, which offers only two types of financing. At the same time, the management declares work with small and medium-sized enterprises as a priority.

Banking methods for small business loans from scratch

The task for financial institutions is to determine the degree of risk when lending to small businesses. Banks use two methods, one of which is the examination of the application by experts. The decision making on lending depends on the result of a subjective check. Another way to determine the degree of risk is to use an automated scoring system, first tested 50 years ago. An impartial program calculates points, sums up the results based on the data entered in the client's questionnaire. Scoring types:

by points (you need to get a certain amount, most of those who apply do not pass it);
against fraudsters (through analysis of behavior, it identifies factors that indicate an inappropriate loan, a potential threat to the bank's funds);
against irresponsible clients-borrowers (delays are being studied).

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

Providing a profitable loan to start your own business involves a strict procedure. How to get a loan for starting a small business:

You should send an application to the bank. The appeal indicates the type of activity, the lending program.
Next, you need to provide information about financial condition small business. The size of the profit is important, credit history.
Then the accepted application is considered, the terms of the loan are approved - the amount, terms, type of loan.

Loan for starting a business from scratch in Sberbank

A startup loan, starting a business can be arranged at a bank branch. How to get a loan to open a business in Sberbank? For this you need:

Contact the institution, having a package of documents with you.
Find a suitable loan program.
Get registered with the tax office as an individual entrepreneur, go through registration in the USRIP.
Consider franchising programs offered by Sberbank partners.
Choose the right franchise.
Develop in detail a business project based on the selected program. It is required to create a marketing plan, determine the location of the office and other nuances.
Prepare a package of documents for a loan to start a small business from scratch. The set includes the original and a copy of the passport, TIN, confirmation of registration of the individual entrepreneur, commercial plan.
Apply for a small business loan.
Collect sum of money(30% for the first installment).

How to increase the chance of loans for starting a business

Wanting to take out a loan for his business, a novice entrepreneur needs to choose the bank in which he will be served as carefully as possible. Nuances:

When deciding on a financial institution, you need to ask what offers it has for small businesses.
Useful advice from partners, friends who work with a particular bank.
Loans are more readily issued for an already developing business. An application with an attached project has little chance of financial support.
It is desirable that the enterprise be solvent and exist for at least six months.
An additional factor in favor of the bank's consent to the issuance of a loan is the availability of collateral. Real estate objects, cars, technical equipment are considered as collateral.

How else to get a loan for start-up entrepreneurs

Alternative way to get financial aid – customer credit... The loan can be issued to an individual in the company or online. The real estate object is used as collateral or support of guarantors. Such loans are unprofitable for an entrepreneur due to overpriced interest rates... Remember, many regions have foundations that support small businesses. These organizations act on behalf of the state as loan guarantors or they themselves issue small soft loans to entrepreneurs.

Video: do you need a loan to start a business from scratch

Of all loans, the hardest to get is a loan to start and promote a small business. Individual entrepreneurs(hereinafter referred to as individual entrepreneurs) and private individuals running their business are included in the category of clients whom banks least trust. It is really difficult to get a loan for the development of a small business from scratch. And this situation is explained quite simply. If, when taking a mortgage for an apartment, you need to convince the bank that you have a stable average income that will definitely not disappear in the next eight years, then with a small business everything is much more complicated. Here, after all, the guarantee of the return to the bank Money are the potential profitability, profitability, reliability, survival of this business in a shaky environment Russian economy... The only additional guarantee is a pledge of some valuable property of the borrower.

Even in developed countries(USA, Western Europe) economists give the next small business project a maximum of 20%. This is the likelihood that the business will survive and not burn out. And in the Russian Federation this indicator is 2-3 times less for a whole range of reasons. So banks are not eager to give money to people who later, very possibly, will become bankrupt. However, certain schemes of interaction with credit institutions for novice businessmen there. We will consider them.

Step-by-step instructions for obtaining a business loan from scratch

As an example, it is worth studying the proposals from the main and largest bank of the Russian Federation in the civil market. It is about Sberbank. He works with all types of business clients - individual entrepreneurs, private individuals ( Self employed), JSC, LLC. However, before going to the bank, you should prepare in advance on three main points, without which it is almost impossible to get a loan to start a business from scratch.

Business plan preparation. An aspiring entrepreneur must create his own plan, project. This is the beginning of any business. By the way, regardless of the level (small, medium, large). A businessman or businesswoman determines the main tactical (short-term) and strategic (long-term) directions of the future firm's development. A quantitative (technological, production) and qualitative (complication of the structure of the enterprise, advanced training of workers) analysis is carried out. The volume of production, the ratio of potential costs and profits are calculated, the conjuncture of the market sector in which the business will operate is analyzed. The staff is also analyzed. The business plan shows investors whether to invest in a given business. And the bank as well.
Definition of a franchise. If a future individual entrepreneur comes to the bank and says that he wants to open his own independent enterprise, which will be called so, he will most likely be denied a loan. A franchise is a brand, it is a type of licensing, it is a certain model of doing some kind of business. For example, the McDonald's chain is a franchise. Or Coca-Cola. Or Microsoft. But such franchises are worth billions, since the business under their auspices guarantees the corresponding profit. A beginner individual entrepreneur has to choose from a list much more available options... Moreover, it is desirable that the franchise companies are associated partners of the bank where the client is going to take a loan. At Sberbank, these are Harat's and a number of other companies selling relatively inexpensive franchises.
And, of course, you should not go to the bank, as they say, "naked", without the possibility of collateral. Of course, it happens that a future individual entrepreneur has nothing in his heart, except for a business plan and a desire to start working as soon as possible. But as already mentioned, financial institutions they are extremely careful about giving out money to small businesses. It is great when a client has some kind of real estate or other valuable property (a car of a middle price category, for example). Then you can register this property as collateral. The institution will know that in the event of a business failure, all or most of the money issued will return back through the implementation collateral client. Those who have nothing will have to at least find funds for a down payment, which is high within the framework of business lending (almost always at least 30%).

So the preparation is complete. We go to Sberbank. Here the procedure is as follows:

Filling out a questionnaire, where, in addition to basic information, a desire is expressed for a small business from scratch.
Choice credit program... You must choose special program"Business Start".
Registration in tax office as an individual entrepreneur.
Collection of all necessary documentation. Here you will need not only a standard set of an individual (passport, TIN, income statement 2-NDFL, military ID for men under the age of 27, pension certificate), but also additional documents related to business lending (business plan, certificate of individual entrepreneur or other form of organization, letter from the franchisor of cooperation, certificate of ownership of some valuable property that can be used for collateral).
Submitting an immediate application for a loan to create and develop a small business.
Providing the bank with funds to pay off the initial payment (or pledging expensive property).
Getting the money you want and starting your own business.

Of course, some abnormal situations and additional requirements may arise. Thus, a franchise company that is a partner of a bank may require additional detailed analysis the sector of the market in which the client is going to work. If future business requires additional licenses, they must be obtained before the loan is issued. For example, if a person is going to sell alcohol, hunting and traumatic weapons. Therefore, only general, standard instructions are presented here. The conditions under which Sberbank issues loans for small businesses are medium and quite acceptable against the background of offers from other banks:

annual interest - 18.5% (in other institutions this mark can go up to 25%);
the minimum initial payment is 20%, but it is better to agree to 30% (in other institutions it can go up to 50%);
if a client has acquired a franchise from Harat’s, then he can be given up to 7 million rubles. In other cases - up to 3 million rubles. The minimum loan is 100 thousand rubles;
the loan is issued for a period of up to 5 years (for users of the Harat’s business model) or up to 3.5 years (for all others);
the permissible delay in monthly payments for Harat's clients is one year, and for all others - six months.

Borrower requirements

Here it is worth considering not the minimum, but the maximum requirements. Those in which the chance of getting a loan rises to 90%. Sberbank's requests are standard. Any other bank will put forward similar conditions for novice businessmen:

clearly structured, voluminous and maximally informative business plan;
certificate of income in the form of 2-NDFL;
possession of some valuable property suitable for collateral;
having an account with another bank, owning shares and others securities(extract from the bank, from the register of shareholders). This is an analogue of a collateral;
good credit history (availability of any other loans repaid on time). Moreover, the presence outstanding loan that the client pays is not a plus, because this is an additional financial burden;
presence of co-borrowers (business partners) or guarantors who have proven their financial solvency to the bank;
the client not only has a permanent residence permit, but is also going to open a business at the place of residence and location of the creditor bank. For example, in the same city where the Sberbank branch and the borrower's home address are located;
the client's age ranges from 27–45 years old. Why exactly 27 years old? The answer is military duty, which is by no means pleasing to the banks;
for some reason, according to statistics, family people are more trusted. Although the family, logically, can become a distraction from business. Probably, banks believe that a family man is a priori more responsible;
absence of any debts (for other loans, utility bills);
information about the main monthly expenses of the client (utility bills, other loans, alimony, rent, etc.);
absence of criminal convictions (especially outstanding, serious and financial crimes);
a certificate confirming that the borrower has not been and is not registered in a psychiatric and / or narcological dispensary.

It is not necessary to strictly comply with all factors. Yes, there are practically no such borrowers in nature. It's just that the "gold standard", the ideal, is described here. Some factors are not very important (marital status), and some are of paramount importance (bail, business project, lack of crime and mental health / drug problems).

It is worth mentioning that if the borrower already had his own business and now wants to take new loan on a new business, it will go to him in the negative. Since the bank always evaluates a bad business experience from a negative point of view. And where is the guarantee that this individual entrepreneur will not fail in his new undertakings in the same way?

Factors influencing the decision of the bank to issue a loan

In principle, after reading all of the above, those moments are already clearly visible on which the positive decision of the beneficiary directly depends. To summarize, there will be only three main factors: a promising and well-designed business plan, the availability of a suitable franchise and a certain financial level of the client. If all three points are assessed by the bank perfectly, then this will bring the borrower very close to the loan he needs so much. It is useful to know that in the business lending system, banks are working according to plan. That is, the analysis of the client is carried out according to the worked out template. And there are two such templates.

№ 1. Loan specialists monitor the borrower and issue a verdict (on the client's solvency and the degree of risk for the bank).

No. 2. Used statistical, automated system"Scoring" based on the use of mathematical methods. Within the framework of this system, all borrowers are sorted into groups, each of which is characterized by a certain degree of risk.

Sometimes the bank resorts to both types of analysis.

Other ways to get a loan

It may well be that the bank still refused to issue a loan. But this situation is not entirely hopeless. What workarounds are there?

Have you decided to apply for a business loan from scratch at Sberbank, but would like to read the full credit terms and customer reviews first? This fact sheet will help you find out if the offer offered by the bank is profitable and how you can get it.

What advantages does the bank offer you:

Start-up capital in the amount of up to 80% of your project financing inclusive;
Providing a loan for starting your own business from scratch for a large amount of up to 7 million rubles;
Possibility to draw up a contract for a long term up to 60 months;
There is no mandatory requirement for additional security (collateral, guarantors);
You can choose your own business model, i.e. open a business under a well-known brand of a franchisor company or draw up a standard business-pran developed by a partner of Sberbank;
You will be provided with information support at the stage of starting a business, they will conduct all the necessary consultations;
The client gets the opportunity to study the course "Fundamentals of Entrepreneurship" online for free.

All this will allow you to really assess your capabilities, find possible risks and already at the start reduce them to minimum value... How to start an entrepreneur when starting a business is written in this article.

What a potential borrower needs to do:

Contact the Sberbank branch and fill out an application for a loan;
Study the multimedia course offered by the bank offered to you on the website;
Wait for the preliminary approval of the bank;
Get approval from the franchisor company or your chosen bank partner;
Register as an individual entrepreneur or LLC (we will talk about this);
Submit a package of documents, get approval;
Make the first installment, sign the contract and start your business.

From credit terms:

For a franchisor's business model or a typical business plan for a partner's digging - the rate is 18.5% per annum. The amount is from 100 thousand to 3 million rubles, the crediting period is 42 months, the first installment is from 40%. You will be able to get a grace period to repay the principal for a period of up to 6 months. The security in the first case will be a pledge of the acquired property or a surety of an individual; in the second case, a surety from a bank partner can be used. Borrower age can be from 20 to 60 years old inclusive;
To open a pub based on the model of the Harat’s franchisor, you can apply for an amount of 3 to 7 million rubles inclusive. The crediting period is 60 months, the deferral can be granted for a period of up to 1 year. The client's age is from 27 to 60 years old inclusive.

The collateral is subject to compulsory insurance. The rating of insurance companies is presented in this article. From mandatory documents you need: a Russian passport, a military ID or a certificate of registration, financial documents of a legal entity or individual entrepreneur.

If you want to know how to get a loan without failure? Then walk along