How to get a loan for your business. How to get a loan to open a small business? Preferential conditions for small businesses: features of obtaining a bank loan

Axiom of commerce - any business needs financial investments. This is especially true at the initial stage of activity. In order to earn money from implementing a business project, you must first invest it in it. Large projects require a lot of funds, small ones - a little less. But it is basically impossible to get rid of expenses under normal conditions.

It’s good if a novice businessman has at least some money. And if not, there are several options where you can legally get finance. One of them is to get a business loan from a bank. Its conditions should be softened compared to usual. Otherwise, there will be no successful start to the project. But even here certain subtleties and roughness arise.

Risks for the parties

Commercial banks give loans only at interest. On general terms or preferential terms, but in addition to the loan itself, you will also have to repay the accrued interest. If the business is successful, then such a financial loan, no matter how difficult it may be, will pay for itself. And if not? An unsuccessful businessman will lose not only his business, but also his property. Otherwise, you will remain a debtor with all the ensuing legal consequences.

It should be noted that for a bank, issuing a loan for the development of a commercial business is considered a risky transaction. There is no unconditional guarantee that the loan a newly minted businessman received to create a small business from scratch will be returned. In the worst case, when the possibility of ruin appears on the horizon, an unlucky entrepreneur may, after a certain period of time (usually a month), declare himself bankrupt and refuse to return the funds received to the bank.

And yet, how to get a loan for a business from scratch? This is no more difficult than getting a regular loan for education, improving your living conditions, buying a car, and so on.

Prerequisites

Despite such risks, loans on preferential terms for small businesses are slowly but still being resumed. It is also possible to take out a loan for a business from scratch, subject to certain strict conditions. However, there are no super-heavy impossible clauses in the contract:

Good credit history of the borrower. Difficulties in repaying past loans, outstanding loans or late payments may be the reason for a loan refusal.
Professional business plan. The self-evident possibility of earning money quickly, albeit small but sustainable, will force financial experts to agree with the borrower and issue the necessary solution.
Availability of employment that provides additional income. A solid income makes it possible to successfully repay a loan received for the development of a small business from scratch.
Availability of personal property that can be pledged against a loan. This is a serious guarantee of a mandatory refund.
Availability of a reliable guarantor.
The existence of start-up financial capital amounting to approximately 25% of the required amount.

There are other circumstances in the matter of starting a business from scratch. It is worth considering at least some of them.

Banks

Where can I get a loan for a small business from scratch, which bank should I contact? You need to understand that, firstly, not all financial institutions provide such loans, and secondly, the requirements and offers of the bank differ, and a businessman, of course, wants to choose the most profitable option.

Russians who want to organize their own business can take help from a number of financial institutions. Which banks provide loans for businesses from scratch? Small business loans from scratch are available in several banks in the Russian Federation - more about them below.

VTB 24

VTB24 offers the most favorable rates for legal entities registered in Russia, quite diverse conditions, including business loans for individual entrepreneurs. The approaches to LLCs and individual entrepreneurs differ significantly. Often, property is required as collateral to issue a loan. Specific examples:

Express micro. The loan is given in an amount from 30,000 to 600,000 rubles for a period from 3 months to 3 years. Collateral personal property is not required.
Small funds are released on the security of personal movable or immovable property for a period from 3 months to 7 years. The loan volume ranges from 600,000 to 30,000,000 rubles.
Under contract. By issuing such a loan, the bank subsequently has the legal right to claim amounts under the agreement. The loan is issued for a period of 3 to 12 months. The loan volume varies from 150,000 to 6,000,000 rubles.

Sberbank

Sberbank issues a loan for a new business from scratch as part of the Business Start project. Funding is provided for an existing business project. It is also possible for an entrepreneur to operate as a franchise.

In addition, to register and develop your own business, you can join the Business Trust credit program of Sberbank. It does not require strict reporting on the purposes and directions of lending. "Business Trust" is:

loan without collateral guarantee;
volume of funds in the amount of 80,000-3,000,000 rubles;
there is no commission;
you need a guarantor - the owner of the company;
interest rate of 13.94% or more;
The repayment period ranges from 3 months to 3 years.

"Rosselkhozbank"

Rosselkhozbank presents individual loan products to strengthen small firms. There are no funding restrictions. The main focus is the agricultural sector, but there are other areas of loans for starting a business from scratch:

Investment standard. The loan volume is 60 million rubles, the repayment period is up to 8 years. Deferred payments - up to 1.5 years. A personal loan repayment schedule is possible.
For the purchase of machinery and/or equipment, a loan is issued only against the security of the purchased machinery and/or equipment. Payment deferment - up to one year. The loan period is up to 7 years.
For the acquisition of land. Issued only on the security of the purchased land plot. Deferred payments - up to 2 years. The loan period is up to 8 years.
For the purchase of young animals, a loan is issued only against the security of purchased farm animals. Payment deferment - 1 year.

"Alfa Bank"

At Alfa Bank there are only two types of business loans. But at the same time, managers report activities with small and medium-sized firms as their most important priority.

Financing methods

Modern banking methods of financing loans for starting a business from scratch have a number of subtleties. And the main one is to minimize the risks, both those discussed above and others (there are enough of them to consider the full list).

First of all, financial institutions face the task of determining the degree of financial risk when lending to small businesses that apply. Banks use two methods, quite different in the degree of objectivity and depth of analysis:

Experts work on the application. In this case, making a final decision on the allocation of a loan depends to a large extent on a very subjective verification of the businessman’s arguments
Another widespread way to determine the amount of risk is the use of an automated financial “scoring” system, which appeared half a century ago. Unencumbered by any emotions, the program counts the points received and takes into account the overall results based on the data specified in the client’s questionnaire. Scoring is divided by type: by points received (you need to reach the assigned level, many applicants do not reach it); against obvious fraudsters (through consideration of behavior, reveals factors confirming data about a possible threat to the bank’s assets); against irresponsible and frivolous borrower clients (the probability of delay is considered).

Receipt process

Obtaining a profitable business loan for an individual entrepreneur requires a certain strict procedure. Logistics of actions to obtain a loan to open a small business:

First you need to send a reasoned application to the selected bank. It notes the form of activity and a specific lending program.
Next, you need to provide information about your small business's financial situation. A loan for a business from scratch will be required and documents: you need to provide an identity card, TIN, a copy of the potential borrower’s work record, a certificate of income, documents confirming other income (bank deposit, shares of any companies, investments), papers establishing the right to real estate or other property that will act as collateral, and so on. The emphasis should be on the amount of profit received, a positive credit history, the availability of additional income or other sources of finance that will help return the money if things don’t work out.
If the application is accepted (and this, as a rule, happens in most cases) and is considered, specific work begins - the terms of the loan are approved: the amount of funds, the chronological framework, the form of the loan.

Increase capabilities

How to get a loan for a business from scratch? When looking for a loan to develop his business, a novice entrepreneur needs to select as carefully as possible the bank in which he will then be serviced. Nuances:

When analyzing the situation of financial institutions, it is necessary to ask whether there are special offers (and what nature they are) for the development of small businesses.
Advice and recommendations from commercial partners, acquaintances and friends who are in contact with a particular bank are important.
Loans are distributed more freely for existing businesses. An application with an attached project for a business that has not yet begun has little chance of receiving financial support.
It’s good for your company to be solvent and have been developing successfully for at least six months.
The presence of certain collateral will be in favor of a positive decision by the bank to issue a loan. Real estate, cars, and technical equipment are usually considered as collateral.

Subjective factors

Moving forward on the question of how to get a loan for a business from scratch, the bank also considers other factors, seemingly completely subjective, relating to the borrower:

Current age. World practice suggests that the age at which a potential client is most robust and able-bodied and can most likely vouch for the loan process is between 30 and 40 years old.
Officially registered marriage. If the lender is legally married, his possible chances of getting the requested loan for an existing business increase significantly, because if a problem arises with repaying the borrowed funds, the husband (wife) of the borrower will be able to join in closing the loan.
Monthly recurring expenses. A financial institution lending to small business development may also consider the amount of monthly expenses in the process of developing the borrower's business activity.
Interior of an office space. The bank will inspect the premises that the borrowed businessman has allocated as an office for the presence of communications equipment, business office equipment, several computers and good furniture.

Additional options

When wondering how to get a loan for a business from scratch, you need to understand that there is an alternative opportunity to receive potential financial assistance - regular consumer lending. The loan can be issued to an individual working in the company. A personal car or real estate can be used as collateral. The institution of guarantors is also used.

Getting such a loan is not very difficult, but loans are not entirely profitable for a businessman due to high interest rates. Therefore, it is better to think again and look for options for obtaining start-up capital. Most regions of our country now have funds that provide financial support to small businesses. These institutions work on behalf of the state as guarantors for loans issued, and may themselves offer small preferential loans to businessmen.

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.
If you are interested in the topic of the article, leave your comments and ratings. This will help us fill the site with exclusively important and necessary materials!

What types of loans are there for starting a business from scratch? Where can I get a loan to open a franchise business? How to get a loan to start a new business?

Opening a business with borrowed funds is often the only option for aspiring entrepreneurs to start without initial capital. The main thing in this matter is convince the lender of your solvency and prove that the business for which you are taking a loan will definitely generate income.

Denis Kuderin is with you, a financial expert of the popular online magazine HeatherBober. I will tell, how to take out a loan to start a business, and why banks refuse to issue funds for commercial purposes to many applicants.

Read to the end - from the final sections you will find out which banks issue business loans on favorable terms for the borrower, and whether an entrepreneur who has been refused money has alternative options.

1. Loan to start a business - how to convince the lender

Where can I get start-up capital? A key question for beginning businessmen. If you don’t have enough money of your own and can’t find partners with money, then All you have to do is borrow money from the bank.

Financial institutions always have funds, but loans are not given to everyone who wants them.

Getting a loan specifically for starting a business is not easy. Entrepreneurs who start from scratch belong to the high-risk category of bank clients.

Banks are much more willing to issue loans to individuals with a regular income and experienced businessmen with existing enterprises.

The logic of credit institutions is quite clear - individuals and experienced businessmen are always ready to confirm their solvency. What guarantees will a novice businessman give to the bank?

That’s why banks try to reduce their risks as much as possible by issuing.

They require applicants to:

pledge valuable property– real estate, transport, shares, etc.;
show business plan– not just present an idea, but document its commercial potential;
find guarantors– persons with a stable, preferably high income;
confirm the seriousness of your intentions– for example, show an office lease agreement, contracts for the purchase and sale of equipment or transport for business.

And they also need from the client positive credit history. And having additional income is also welcome. If the applicant has unclosed loans, he is unlikely to be given a new loan. As well as former bankrupts, persons with a criminal record and the presence of seized property.

Those who open a franchise business have more chances. Although a ready-made business model with proven effectiveness does not guarantee 100% success, it significantly increases its likelihood.

Perfect option - cooperation with the bank's franchise partner companies.

An original and unique startup is definitely a good thing. But first you need to research the market, conduct an economic analysis of the project, calculate financial costs and future income. In other words, you need to show yourself as a professional, not an amateur.

Banking experts are experienced people. Your business idea will be flawless and promising for you, but questionable for qualified financial and economic analysts.

Therefore, it makes sense to turn to intermediary firms that will give your idea a sober and comprehensive expert assessment.

Banks are more willing to work with traditional and proven business models than with fundamentally new ones, but if you firmly believe in your project and have spent a lot of time and effort on its development, you will definitely find the money.

However, in any case it would be good get a loan on humane, not enslaving terms. Take advantage of any benefits you are entitled to and don't be shy about asking for outside help.

2. What types of loans are there - 5 popular types

You need to select the type of loan and program in accordance with the individual characteristics of the business. In some cases, it is more profitable for novice entrepreneurs to take consumer non-targeted loan and use the money as you wish.

This option is suitable for those borrowers who need a relatively small amount.

Business loans themselves are also different. Let's consider most popular varieties.

Type 1. Classic loan

Step 1. Select a bank and lending program

Universal Credit Advice – First of all, ask about the terms of loans at the bank whose services you use. If you are a salary client of a bank and have a debit card, this is a big plus. Financial companies are willing to meet such borrowers halfway.

If “your” bank does not have suitable programs, you will have to look for an institution on the outside. The main mistake is take advantage of the first offer that comes your way. There is a high probability that after signing the agreement, you will bite your elbows - other banks will have softer conditions and lower rates.

Take the time to find a lender, select several candidates and then choose the best bank from them.

Comparison criteria:

independent bank rating;
experience;
financial stability;
variety of business lending programs;
reviews from users and your business friends.

It is more reliable to cooperate with well-known and long-standing players in the financial market - there is less chance that the bank’s license will be revoked. If they revoke it, you will still have to pay, but using different details and to another bank, and this is extra hassle.

Step 2. Register with the tax office

State registration in Tax Service– a mandatory procedure for all individual entrepreneurs and LLC managers. This is done at the location.

A citizen has the right to register in person or through a notary representative (by power of attorney). The registration period, if the documents are in order, is 3 working days. State duty for individual entrepreneurs – 800 rubles, for legal entities – 4 000 .

Step 3. Decide on a franchise

Franchise is ready-made business model provided by a well-known brand. The more reputable the company, the more expensive its franchise costs. In addition to the right to work under a well-promoted sign, the franchise buyer receives assistance from company representatives, and sometimes even equipment.

Watch the video on how to choose the right franchise.

On our website, read a separate publication about.

Step 4. Develop a business plan

Without a detailed and well-executed business plan, your chances of getting a loan are significantly reduced. A business plan is not an abstract presentation of commercial ideas, but a specific document that contains financial, strategic and tactical calculations.

Business plan must clearly show How exactly is the borrower going to spend the bank money?. Any enterprise needs such a document, regardless of its level.

If you don’t know, it’s either too early for you to start entrepreneurship or you need professional help from outside consulting firms. There are many such companies now. The services are paid, but if the business is promising, the costs will definitely pay off.

Step 5. Apply for a loan

Apply online if you don't want to waste time, or go straight to the bank if you prefer personal communication.

You will be asked to fill out a questionnaire to determine your intentions and check your credit history. I recommend provide only reliable information– attempts to hide important information from the lender will turn against you.

It takes from 1 to 7 days to review the application, sometimes more. The bank needs to find out your solvency through all available channels.

If there are problems with your credit history, then first you will be advised to solve them, and then apply again.

Step 6. Provide documents

The more necessary documents you provide to the bank, the better.

In addition to your own passport, you will need:

second document;
a fresh extract from the Unified State Register of Legal Entities (made no earlier than 2 weeks before the application);
certificate of registration of individual entrepreneur or LLC and statutory documents;
licenses and other permits for commercial activities (if they are needed);
property documents if you are applying for a loan with collateral;
certificate of income (if any);
lease agreements for offices, industrial premises, warehouses;
bank statement from your current account, if you have already paid for any goods, equipment and other assets.

Some banks require: a certificate of no criminal record, a document from a drug treatment or psychoneurological dispensary stating that you are not registered there, and other documents at their discretion.

And apparently, these certificates are required for good reason - watch a cool video on the topic:

Step 7. We conclude an agreement and receive funds

Signing the contract – the most critical stage of the entire process. Signing without reading the document is a big mistake. For some reason, people are embarrassed to carefully study the agreement under which they are going to pay money over the next few years.

The most important:

final interest rate;
fee for opening and servicing a credit account;
the presence of commissions for financial transactions;
rules for calculating fines;
conditions for early closure of the loan;
obligations and rights of the parties.

If you are satisfied with the agreement, all that remains is to sign an autograph and receive the coveted loan.

Open your business, develop, get your first profits and do not forget to repay your debt on time.

4. Where to get a loan to start a business - review of the TOP 3 popular banks

Introducing the review top three Russian banks, which issue loans for starting and developing a business.

Study, compare conditions and make a choice.

1) Sberbank

– the most popular bank among Russians. More than half of the country's adult population are Sberbank clients. It is not surprising that many budding businessmen first turn to this place for business loans.

Pay attention to the “Trust” loan program - financing the needs of small and medium-sized businesses. The bank is ready to issue a loan without collateral to individual entrepreneurs and LLCs in the amount of up to 3 million rubles at a rate of 16.5% per annum.

Other offers:

Loan to replenish working capital;
Express loan for business;
Loan for the purchase of transport and equipment;
Business asset;
Business Invest;
Leasing;
Factoring.

Fill out applications directly on the website: the answer will come in 2-3 days.

offers special programs for existing and newly opened small businesses: “ Turnover" - replenishment of the company's current assets, " Overdraft" - funds in excess of the account balance, " Business perspective» - for the purchase of equipment or expansion of production.

There are also regular consumer loans in the amount of up to 3 million rubles. The offer is worth taking advantage of if this amount is enough for your business. The annual rate on a consumer loan is 14.9% per year.

3) Raiffeisenbank

– apply for a consumer loan if you are unable to provide the bank with collateral, a business plan or guarantors.

In other cases, use special programs for small and medium-sized businesses: “ Express" (before 2 million ), « Overdraft», « Classic" (before 4.5 million). Contact our specialists by phone and they will help you choose the most suitable loan for your business goals.

5. Alternative ways to get a loan - TOP 4 proven methods

What to do, if a business loan is denied?

Take advantage of alternative options!

Method 1. Apply for a credit card

If you need a relatively small amount for business needs, urgently order a credit card with a revolving limit. Take out a consumer loan

It is much easier to get a consumer loan especially if you have official income.

Another thing is that the amount that the bank will offer you, depending on your credit rating, may not be enough to open a business. In this case, the missing part of the funds will have to be taken elsewhere.

Method 3. Contact the small business support center

The state and municipal structures support some areas of business. If your future enterprise is potentially useful for the country's economy, Entrepreneurship Centers, Business Incubators and other organizations that support small businesses will definitely help you.

Turn to the state for help - it supports enterprises that are economically useful for the country

There are such institutions in every major city. They will provide a guarantee to the bank, and if you’re lucky, they’ll even take on part of the loan payments. The priority sectors of commerce for the state are agriculture, the service sector, construction, transport, extraction and distribution of resources, and communications.

Method 4. Become a partner of a large company

The method is excellent, but not always feasible. Not everyone has connections with big businessmen, and successful entrepreneurs do not always need young, inexperienced partners. Well, then you need to interest them and competently present your business idea.

6. Conclusion

A business start-up loan will help those who do not have start-up capital to open their own business. The businessman’s task is to convince bank employees of the prospects of his project and provide them with guarantees of his solvency.

Question for readers
Why do you think small businesses in our country are associated with such high risks?

We wish you successful loans and successful business! Write comments, put stars on the article, share with friends on social networks. See you again!

The issue of starting your own business is often decided by a fairly round sum. Not everyone has savings, but in such cases they go to one place - the bank. Banking institutions can provide a variety of types of loans for companies of any level, including even if there is a desire to open your own.

What are the best deals on the market? What are the requirements of banks for borrowers? How to get a loan to start a business from scratch? First things first.

Not everyone is able to get a loan to start a business from scratch; banks have strict and slightly exaggerated requirements for such clients. Banks do not like to work with individual entrepreneurs (individual entrepreneurs hereinafter) and individual individuals. persons who run their own business.

The explanation for all this is obvious - banking institutions need guarantees that they will be repaid the loan. Not every aspiring entrepreneur can boast of this point, solvency.

An example on the surface, take the same mortgage: the bank will not issue money until it is sure of the borrower’s constant average income for the next few years.

The guarantee of repaying the bank's debt is money, constant income, reliability and profitability. As an additional guarantees can be used for valuable property, however, this is already inherent in all types of loans.

Lately, Russian banks have only been complicating lending conditions, but there is no need to be upset - with the right approach, you can go through technical difficulties and get what you want.

Today we will look at: how to get a loan to start a business from scratch, what are the requirements for the borrower, factors for approving applications and an analysis of popular offers on the market from banks.

How to get a loan to start a business from scratch

It’s worth starting to study offers on the market with the leader, the main bank of the Russian Federation - Sberbank. He serves all clients, be they individual entrepreneurs, private entrepreneurs, LLCs, etc. Before going to the bank, it is important to understand whether you meet the basic criteria for approving a loan.

In order for the bank to approve the loan, it is important to know:

A competent business plan is the key to success. Every businessman must have a project on which he is going to work. This, by the way, does not depend on the size of the business and applies to both small and large businesses. It is important to reflect the company’s development strategy (for example, will it be long-term or short-term development).

Quantitative and qualitative analysis must be carried out with the processing of data on production, employee qualifications, etc. It is necessary to calculate the output products, the ratio to demand, and take into account potential costs and competition.

The business plan must convince investors that they should invest in this idea. The situation is the same with banks.

. If an individual entrepreneur at a bank says that he wants to open his own unique establishment, which the world has never seen before, then with a high probability he will leave with a refusal.

A franchise means a well-promoted brand in a certain business segment. For example, a franchise could be the Coca-Cola chain, McDonald's, etc. Doing business under the franchise of such companies guarantees stable profits and, accordingly, costs a lot of money, counting in the billions.

For a beginning individual entrepreneur, simpler options are suitable and, by the way, it will be very convenient if the franchise company is already a partner of the bank where you need to take out a loan. Sberbank highlights a company like Harat’s; it is one of many that sell franchises at affordable prices.

It is worth considering the possibility of collateral before going to the bank.

Quite often, banks are approached by “naked” individual entrepreneurs who do not have the opportunity to pledge valuable property as proof of their solvency on the loan. Banking institutions are very careful in issuing money to individual entrepreneurs who want to make money by creating their own small business.

An excellent option would be to have your own real estate or any other valuable property, such as a car. If you register the property as collateral for a loan, this will give the bank a guarantee that if you fail, they will be able to get their money back. For those who do not have property, it is necessary to have funds for an initial rather high contribution (from 30%).

If everything is ready, then you can start. Let's take an example of applying for a loan at Sberbank.

We head to Sberbank and do everything gradually:

A form is submitted where all the information is signed with a statement of intention to receive a loan for small development.
You need to select the loan program “Business Start”.
As an individual entrepreneur, you must register with the service.
Collect all documents required by the bank. This is not just an ordinary package of physical documents. persons (military ID for men, certificate 2-NDFL, pension certificate, passport), but also papers related to the business (the business plan itself, franchising (if any), confirmation of the availability of property as collateral, certificate of individual entrepreneur, or another company) .
Complete an application to receive funds.
Give the bank funds that will be used to pay off the down payment. (Or confirm the pledge with expensive property).
Get money and start the process of opening your business.

Requirements for the borrower

Here we will talk about the maximum requirements, compliance with which can increase the chances of receiving a loan by up to 90%.

Sberbank has standard conditions; any other bank will make similar demands:

certificate 2-NDFL;
accounts in other banks, ownership of securities and shares that can act as collateral;
excellent credit history. An extremely important point that banks focus on both when working with individuals and individual entrepreneurs. If there is a current outstanding debt, then this is a big minus, because it burdens the client with additional financial costs;
co-borrowers or simply business partners who have already proven to the bank that they can be trusted;
the presence of valuable property registered in the name of the client, which is suitable as collateral;
reports on monthly payments (rent, loan payments, utilities, etc.);
business plan. The main item on this list that is worth doing well. It depends on him whether the bank will issue a loan or not. It should be voluminous and informative.

Speaking personally about the person who goes to apply:

age from 27 to 45 years. Not earlier than 27, because there is a possibility that the client may be subject to military conscription, which will prevent him from paying the debt to the bank;
no debts on other payments;
absence of criminal convictions (especially for serious crimes);
a certificate stating that the borrower is not registered in a mental health/drug dispensary.

Factors influencing the bank's decision to issue a loan

In fact, the above quite well reveals the meaning of those moments where it is said what the positive decision of the beneficiary directly depends on. When combining all of the above, three factors emerge: a competent, structured and relevant business plan with profit prospects, the client’s knowledge of a certain level of finance and a suitable franchise.

If the bank evaluates all three factors perfectly, then the client is very close to receiving a loan. It is also important to know that banks carry out planned work under their business lending programs.

The bottom line is that banks analyze the client according to two patterns:

Employees check the client's solvency and risk level, and then make a verdict.
“Scoring” is used, a system that operates automatically according to specified algorithms. The system filters borrowers by risk groups.

Sometimes two methods are used at once.

The following points may affect the issuance of a business loan:

Company age. This indicator is considered one of the main criteria for approval of the application. Banks usually do not trust companies that were created less than six months ago, and especially those that were recently organized. But this does not mean that a start-up company will not be able to get a loan. There are banking institutions that will issue a loan, but only at a high interest rate.
Tell only the truth. Any information that the client provides to the bank is carefully checked. If employees find false information, this will have an extremely negative impact on the loan decision.
Oddly enough, for family people the approval rate is statistically much higher. You need to devote a lot of time to your family and this can distract from business. The logic of banks is probably that a family person has a more developed sense of responsibility;
Social media. Recently, there have been noticeable trends in banking institutions checking their clients for social security. networks. Employees determine the level of “seriousness” of a person, analyze how much time he spends on such sites, whether he is looking for ways to get easy money, options to avoid repaying a loan, etc.

Analysis of the conditions of popular banks

Let's start by considering the conditions for a business loan from the most popular bank in the country - Sberbank.

This banking institution can issue a specialized loan for the following purposes:

When funds are needed to put them into circulation for the company;
If you need finance for the purchase of equipment, transport, etc.;
If you need an express loan;
Leasing;
Business asset and Business investment;
And simply for any purpose at the request of the client;

The bank dictates the following conditions for loans for any needs:

The loan is issued for a period of 6 months to 4 years;
The loan rate will start at 14.50% per annum;
The deposit is optional and can be arranged at will;
The amount of money issued is from 300,000 rubles. and up to 5,000,000 rub.

At Sberbank, to complete an application, a package of documents with 18 items is required. You can try to fill out a preliminary application using the Sberbank website.

Rosselkhozbank and its loans for small businesses

This banking institution has available loans for both large and small businesses.

Loans for small businesses can be issued for the following purposes:

Purchase of equipment;
Making investments in certain projects;
When purchasing real estate;
If you need to put funds into circulation;
Any loans issued in other banks can be refinanced in this one;
If it is necessary to perform seasonal work.

Conditions for providing loans:

Time frame for loans up to 3 years;
The amount of funds provided starts from RUB 50,000. and up to 100,000,000 rubles;
Loan rates range from 9 to 20%.

It is possible to obtain a grace period (deferment in loan repayment) of up to one year. On the bank’s official website you can make a preliminary calculation and immediately submit an application.

Alfa Bank and its terms and conditions for loans

At this banking institution you can get a business loan for the following purposes:

Overdraft;
If you need funds to purchase vehicles or equipment;
Vehicle repair and production improvement;
To refinance a loan from any other bank;
For any need.

For any purposes stated by clients, Alfa Bank dictates the following conditions:

The loan is issued for a period of 13 months and up to 3 years;
Loan amount from RUB 500,000. and up to 6,000,000 rubles;
The interest rate will be from 12.5% per annum.

It is possible that the bank will require you to open a current account with Alfa Bank to issue a loan. If the client has a desire, then provision is possible. To receive a loan, you will need to provide 9 items to the department.

VTB 24 – conditions for loans for small businesses

VTB 24 offers a lot of credit lines for small businesses. There are special programs that are suitable for newly opened companies.

Goals can be very different:

Replenishment of the company's working capital;
Refinancing of loans already taken from other banks;
Express loans for any purpose if you urgently need money;

Express loans at VTB 24 are issued on the following conditions:

Time frames up to 60 months;
Issued from 500,000 rubles. up to RUB 5,000,000;
The pledge is solely at the will of the client;
Loan rate from 14% to 19%.

The bank also has special programs, for example:

“Turnover” – if you need to add money to the company’s turnover;
“Overdraft” - so that there are funds in excess of the available amount to ensure stability;
“Business prospect” - for the purchase of the required equipment or for the modernization of equipment.

The rate directly depends on whether the company is a client of the bank, as well as what collateral the organization will have for the loan.

If collateral is provided and the company has a good credit and banking history, then the client can expect to receive a minimum loan rate.

How to get money to start a business, watch the following video:

Oct 5, 2017 Help manual

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What factors influence the bank’s decision, what is required to obtain a loan for a small business from scratch, besides the desire to start your own business and which bank to contact, we will consider in this article.

It is no secret that banks are more loyal to companies that have been operating in the market for a long time and receive stable profits. Beginning entrepreneurs have little chance of getting a loan - the fact is that for lenders, financing a new project is a huge risk. There are few banking programs for beginners, but you can still find a suitable program and bank.

Banks operating small business lending programs at the start

There are not many banks working on start-up projects from scratch; for example, you can contact the following:

Sberbank under the Business Start program is ready to issue an amount of up to 7 million rubles for a period of up to 5 years. The borrower must have equity capital of at least 20% of the planned costs of starting a business. A deposit or guarantee is required, the rate is fixed and is 18.5% per annum. Provides for the issuance of funds according to a standard business plan or for a franchise;
Rosbank offers the “Successful Start” program, under which you can receive an amount of up to 400,000 rubles. The period for issuing funds is up to 3 years, the rate will be 17.5% per annum. A guarantor is required for registration.
Rosbank offers financing to beginning businessmen only under the franchise of certain companies, while providing a 3-month deferment for making monthly payments. The amount of required own funds is quite high - 50% of the project cost;
Transcapitalbank can offer loans to budding entrepreneurs. This bank has many loan programs for businesses, so if you have a good project, you can get financing. You can also get a loan here to implement a franchise. For example, Transcapitalbank cooperates with Subway;
Russian Trade Bank offers a package of loans for business. Beginning entrepreneurs can be offered a simple loan for business development in the amount of 1,000,000 rubles at an interest rate of 22% per annum. Moreover, no collateral is required to receive funds. The establishment of lending parameters will be based on the specifics of the planned activity.

For many, opening under someone else’s well-promoted brand is easier than working on your own. Banks have picked up on this trend and often partner with certain franchisors.

What kind of business will they give money for at the start?

There are promising types of business, and there are those that are contrary to the law or too risky in the eyes of the bank.

The bank’s loyalty and the possibility of issuing loans to the entrepreneur also depend on the area of activity:

Promising for direction bank		Difficult or impossible get a loan
Sphere of trade;		Gaming business, various lotteries;
Construction sector;		Seasonal business;
Franchise work;		Associated with risk (betting, etc.);
Sphere of information technology;		Creation of pyramids.

What is required to apply for a loan on StarUp?

Lending conditions may contain an age limit for borrowers, which starts from 20-23 years old; younger citizens are rarely granted loans. Start-up projects of banks often contain requirements for the provision of collateral; this serves as a guarantee of financial security for the bank.

Ideally, collateral is a pledge of the borrower’s liquid property, which is not necessarily used to conduct business, for example, it could be the borrower’s apartment. Banks may also require the presence of a guarantor, who can be an individual or legal entity. The main and main attribute of the design is a business plan.

Drawing up a business plan

A business plan is a detailed design of the business being created. It must reflect absolutely all aspects of doing business and risks. Naturally, the project must be profitable and make a profit, the business plan must reflect this, contain information regarding the planned profit, income and expenses, and the time it takes to pay back the project.

Start-up projects of banks often contain requirements for the provision of collateral; this serves as a guarantee of financial security for the bank. This is the main document for obtaining a loan to start a business; it is on it that the bank will rely when considering the application and making a decision.

It is recommended to involve specialized organizations or private financial consultants in drawing up the plan; they know how to correctly draw up such documents, how to show the borrower in a more advantageous light to the bank, and simply have extensive experience in business planning. Banks themselves may recommend drawing up business plans in certain companies.

The need to contribute equity capital

When applying for a loan to open a small business, the borrower - a novice entrepreneur - will be required to contribute his own funds for the implementation of the project, usually this is approximately 20% of the planned costs reflected in the business plan.

The more the borrower can deposit, the more loyalty he will receive from the bank, and the percentage of probability of approval will increase. For the bank, the presence of equity capital in a novice entrepreneur is an indicator of his interest in the project and financial solvency.

Loan for franchise work

Recently, running a franchise business has become very popular, when a novice entrepreneur opens his own business under the guise of a well-known company, he works entirely according to the model of the franchisor company, and receives support and advice from him.

For many, opening under someone else’s well-promoted brand is easier than working on your own. Banks have picked up on this trend, often collaborate with certain franchisors and issue targeted loans to budding businessmen for the purchase of a franchise and work on it.

You can get a loan for a franchise business as part of project financing. For example, you can contact Kit Finance, which is ready to allocate up to 1.5 million rubles for the implementation of the project.

To implement a franchise project related to agricultural, agrarian, or livestock topics, you can apply to Rosselkhozbank for a loan for investment purposes.

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