Get a loan for a beginner entrepreneur. How to get a loan

Which credit institutions can start-up individual entrepreneurs take out a loan to create and promote their business? Today, all state banks and most private ones have in their arsenal of services at least a couple of programs designed specifically for these needs. But the bank always treats individual entrepreneurs very warily. An individual entrepreneur, a legal entity, is a risk group in the bank’s classification. If the solvency of a borrower working for a salary (individual) is quite easy to check (2-NDFL certificate, stable job, availability of expensive property), then with entrepreneurs it is becoming more and more difficult.

After all, their income is income from their business, and monitoring a business is much more difficult than checking an employee. Loans that banks give to individual entrepreneurs have a number of features:

• the interest rate is several percent higher compared to the retail lending sector;
• such loans are rarely given in cash, replacing them with a non-renewable line of credit, transfer of money to the company’s current account or non-current assets;
• loan repayment terms have been reduced (usually 3 years, rarely 5 years, the upper limit is 10 years);
• the down payment and guarantee are very important for a positive verdict;
• Recently, a trend has been gaining momentum when an individual entrepreneur does not have the right to take out a consumer loan from a bank as an individual (this despite the fact that for many beginning individual entrepreneurs, a consumer loan is the only hope).

Brief overview of banking offers

This puts all “freshmen” of Russian small business in a difficult position. But for banks, on the contrary, this provides additional insurance, since the risk of business failure, and therefore bankruptcy of the borrower, is very high. And although banks issue loans “with difficulty,” it is still possible and necessary to try to take out the coveted loan. Moreover, there is competition among banks, so the client will have choice and preferential offers. For completeness of information and brevity, it is better to present the main data in the form of a table:

As you can see, loans where there is no need for collateral and guarantees have higher interest rates. It is known that any bank is more willing to give money to already experienced individual entrepreneurs, whose activity lasts more than a year, and whose income does not decrease. Beginning entrepreneurs have much less chance. If there is a high-quality business plan with expanded equipment, and the selected business sector of the stock commission seems promising, then this commission can allocate funds for creating a business from specialized funds. The maximum amount of such assistance is 15 million rubles. Now it’s worth taking a closer look at the offers for individual entrepreneurs from some of the banks mentioned in the table.

VTB 24

Sberbank

This bank offers aspiring entrepreneurs a choice of 13 loan offers created specifically for individual entrepreneurs. Let's look at the most basic ones:

Rosselkhozbank

This bank is known for having the largest selection of loans for those individual entrepreneurs who are engaged in the agricultural business sector.

A few words about documentation

To obtain a loan from any bank, you will need to provide a set of documents. Of course, everywhere there are nuances, but the general appearance of the documentation is almost always the same. What documents are these:

• personal documents (passport, military ID for men under 27 years old, TIN, etc.);
• certificate from the Unified State Register of Individual Entrepreneurs (USRIP) regarding the registration of a businessman as an individual entrepreneur;
• tax return in form 3-NDFL (the reporting period depends on the type of taxation);
• income certificate 2-NDFL (not always);
• accounting reports reflecting the size of the company's working capital;
• licensing agreements and approvals (if the selected business provides for them);
• copies of agreements with partner companies;
• a detailed business plan if the client is just planning to open his own business.

The purpose of this information article was to provide a brief

An individual entrepreneur is an individual who is engaged in entrepreneurial activities and registered in the manner prescribed by law. An individual entrepreneur is one of the most common forms of ownership in Russia. It happens that a private business, regardless of the sector (trade, store or service sector), needs money and often the only good financial source is a bank loan.

Cash loan for individual entrepreneurs - types and features

Loans for individual entrepreneurs can be divided into two types - targeted and non-targeted. Targeted loans are issued for the business tasks of an individual entrepreneur (for example, a loan for an individual entrepreneur from scratch or a loan for business development). Non-targeted loans – for various other purposes (consumer loans, mortgages, car loans, etc.).

It is quite easy for entrepreneurs to get a targeted loan. There are a large number of offers from banks with good conditions. There are loan products for individual entrepreneurs with government support for beginning businessmen, for the purchase of a franchise, and loans for experienced entrepreneurs. A non-targeted loan is more difficult to obtain because... It can be difficult to demonstrate your solvency as an individual entrepreneur. However, even here, if you try, you can find good offers from banks and maybe get .

Basic requirements for obtaining a loan for individual entrepreneurs and LLCs:

• Existence of an LLC or individual entrepreneur for at least 6 months;
• Availability of a non-zero declaration for the last reporting period (a loan in the amount of up to 1 million rubles can be issued with a zero declaration);
• No overdue loans;
• Availability of a legal address.

Credit expert Financier brings to your attention the best in Moscow and the Moscow Region with a minimum interest rate of 12.5% ​​per annum. We also help to take out a loan of up to 50 million rubles for legal entities.

Loan for individual entrepreneurs and small businesses up to 1 million rubles:

• The amount ranges from 100 thousand to 1 million rubles.
• Loan term – up to 5 years.
• No collateral or guarantors.
• Consideration of the application on the first day of submission.

Loan for individual entrepreneurs without collateral up to 3 million rubles:

• The amount ranges from 100 thousand rubles to 3 million rubles.
• Loan term – up to 5 years.
• No collateral or guarantors.
• Fast processing of the application.

Credit expert Financier offers loans to individual entrepreneurs without collateral or guarantee. The company also provides assistance in obtaining a loan secured by cars or real estate using the pawnshop scheme (without proof of income), as well as the classic one with confirmation.

Required documents to obtain a loan for individual entrepreneurs (up to 600 thousand rubles):

• Passport;
• OGRNIP.

Loan for starting individual entrepreneurs without collateral

You no longer need to ask yourself the question “How to get a loan for an individual entrepreneur?” We, the credit expert “Financier”, know the answer to this. All you need to do is fill out an online loan application on our website, and we will offer you suitable loan conditions from various banks. Borrowing money urgently is also not a problem - we will help you quickly get the required amount of money in cash and advise you on issues related to obtaining a loan.

The bank's main requirement for a person applying for a loan is his solvency. The borrower must provide irrefutable evidence of income stability. And if it is enough for a private individual to present a salary certificate, then a businessman pinning his hopes on a loan for an individual entrepreneur will have to attach a bunch of accounting reports, confirming receipt of profit. And all this evidence is indirect in nature, since it reflects the financial condition of the individual entrepreneur over the past period and cannot guarantee the same level of income in the future.

Of course, pitfalls cannot be avoided, but small businesses are supported in Russia, which means favorable lending conditions exist.

Types of loans

The main types of loans provided by banks are:

• Express loan. An ideal option for individual entrepreneurs who require an urgent cash loan. To confirm solvency, a minimum package of documents is required, and the decision to issue a loan is made in just a few hours. But this type of lending also has a significant disadvantage - the interest rate on it is noticeably “biting”. This is due to the high risk that the bank exposes itself to by hastily checking the borrower. And the amounts issued are limited - up to 100,000 rubles.
• Consumer. With this type of lending, you can get a more significant amount and, moreover, for any purpose. But it is intended only for individuals; if you admit that you need the funds to develop your business, expect a 100% refusal. You'll have to lie and indicate another goal, such as a trip to the mountains, repairs, or buying a refrigerator.
• For business development. These are targeted programs aimed specifically at the development of small and medium-sized businesses. These are the types of loans that banks freely issue to individual entrepreneurs, but for each specific purpose there is a separate program: for current activities, commercial mortgages, factoring, leasing, refinancing.

An entrepreneur can count on receiving any of all available loans, since he is an ordinary individual and can have 2 statuses at once - an employee and a business owner. If you approach the issue of lending wisely, you can get any loan that is most beneficial for you.

How to get an express loan

To receive an express loan up to RUB 100,000. You don’t even have to contact the bank. It can be issued in many large stores, supermarkets, shopping centers and small bank branches.

The questionnaire takes just a few minutes to fill out, and within 5 minutes a decision will be made. The only documents you will need are a passport/driver's license/pension ID.

If you decide to receive a larger sum of money, you will have to provide security in the form of property collateral or a guarantor. For example, in 2019, the Bank of Moscow puts forward a very attractive offer, especially for individual entrepreneurs:

• Any goal;
• Minimum amount - 150,000 rubles;
• Maximum - 1,000,000 rubles;
• For a period of 6 – 60 months;
• Security - pledge of property;
• Interest rate - individual;
• The review period is 3 days.

True, here you will need a more complete package of documents: a balance sheet as of the nearest date, a certificate of registration of an individual entrepreneur and constituent documents.

Business development loans

Many banks are developing special programs to support small businesses. Conventionally, all business loans for individual entrepreneurs can be divided into groups:

• Universal credit for individual entrepreneurs. The word “universal” itself says a lot. You can spend such a loan on anything, even catching a prehistoric barracuda. The bank is not particularly interested in the targeted use of borrowed funds.
• For current activities. This is a revolving loan, that is, finance is issued for the purchase of fixed assets - that property that is used in the production process, but is not consumed. For example, for an individual entrepreneur specializing in catching barracuda, the main tool is a harpoon.
• Investment loans. Such loans are issued to beginning entrepreneurs to open a company or to established ones to expand it. That is, the bank invests in your business. But the borrower will have to prove solvency and present a promising business plan proving that the cost of the harpoon will pay off triple the amount.
• Factoring. The bank buys your debt. For example, you can buy a harpoon in a harpoon shop, and ask the bank to buy your debt from the shop.
• Commercial mortgage. Everything is simple here: the bank issues a loan for the purchase of real estate needed for business. So, an individual entrepreneur catching barracuda needs a warehouse to store the harpoon. The bank will issue a loan for it, and the warehouse itself will become collateral for the loan. If the individual entrepreneur stops paying, the bank will take it away and sell it at auction.
• Refinancing. The main purpose of such a loan is for the bank to close the previous loan to the individual entrepreneur and provide a new one that is more profitable. Paying off a loan for a harpoon at 10% is more pleasant than at 30% per annum.
• Leasing. The bank makes the purchase for you, you pay it for the rent of the purchased property and at the same time buy it back. In Russia, financial lease of real estate, transport and equipment is possible. They pay it in installments, gradually purchasing the loaned object.

Banks are more willing to issue loans to individual entrepreneurs with collateral, for example, with a guarantee or property collateral. Or leasing, mortgage and revolving credit, the very basis of which already includes security.

How to get a personal loan

Before deciding to issue business loans, banks check entrepreneurs for solvency. And an individual approach is applied to each borrower.

What will be assessed:

• Level and stability of income: revenue, amount of taxes, costs and net profit.
• Availability of property for collateral or surety. Without collateral or a guarantor, you will not be given an individual entrepreneur loan.
• The reliability of the information specified in the documents. The banker may visit your company to check the availability of collateral. Other specified information is also verified. For example, if the certificate states that 10 harpoons are stored in the warehouse, they must be presented to the inspector.
• Availability of any debts and late payments: credit history, statistics on payment of taxes, issuance of wages. The individual entrepreneur should not have any debts. Information about overdue loan payments is stored in the credit history bureau for 5 years.

• The period of actual activity must exceed 6 months, the total company must be at least a year old.

To receive an investment loan, an entrepreneur must develop and submit a business plan to the bank. It will be studied carefully, so it is better to think several times whether your plan is truly flawless. Loan refusals also spoil your statistics. You can ask a credit institution for a sample business plan.

General package of documents

To take out a loan from a bank for business development, an entrepreneur will have to prepare a whole package of documents confirming the profitability of the company. Each bank requests its own “package”, but the main documents include:

1. Russian citizen passport;
2. Certificate of registration of individual entrepreneur;
3. TIN and extract from the Unified State Register of Individual Entrepreneurs;
4. Tax returns for the deadline, zero reporting will lead to inevitable failure;
5. A certificate from the tax office containing information about bank accounts opened in the name of the individual entrepreneur;
6. A document confirming the absence of debts to the Federal Tax Service.

Additional documentation may require:

1. Warehouse certificates;
2. Cash books;
3. Invoices;
4. Prices;
5. Property documents;
6. KUDIR;
7. Any accounting reports.

To obtain a loan from a bank, an individual entrepreneur must provide original documents; copies should be made at the institution itself in the presence of a bank employee.

How to get a consumer loan

A consumer loan for individual entrepreneurs involves the issuance of small amounts, since it is designed for ordinary individuals, at low interest rates. But the borrower must confirm the stability of income, and this is not easy for an individual entrepreneur.

If a businessman combines entrepreneurship with regular work, he only needs to provide a salary certificate and a passport. And if entrepreneurial activity is the only source of income, you will have to add accounting statements to your passport confirming the profitability and stability of the organization’s income.

The specific list of documents for obtaining a loan should be clarified with the bank, since each financial institution has its own.

The conditions for obtaining a consumer loan put forward by banks to individual entrepreneurs depend on the size of the requested amounts of money:

The application for a consumer loan must indicate the purpose for which it is being taken. In no case do not indicate that funds are required for business development, the bank will absolutely refuse. It is better to indicate a consumer reason: for repairs, a trip or the purchase of a new sofa.

Top 5 Russian banks for individual entrepreneurs

Not all banks lend to small and medium-sized businesses. Banks offer many profitable loans for individual entrepreneurs: VTB-24, Alfa-Bank, Sberbank, Sovcombank and Renaissance.

The country's main lender attracts clients as entrepreneurs and legal entities with a fairly large list of loan products for business:

• Universal long-term loans;
• Negotiable;
• Leasing, mortgage, including with a zero down payment;
• Refinancing.

The rates on them vary from 14 to 24%, the terms are also flexible - from 6 to 36 months. Sberbank also has tempting programs. One of these is “Trust”, the essence of which is as follows:

• The loan is available to individual entrepreneurs with an annual revenue of less than 60 million rubles;
• Without collateral or purpose;
• Duration - up to 36 months;
• The maximum loan size is 3 million rubles;
• Base rate - 16.5 per annum;
• When secured, the rate is reduced.

VTB Bank offers individual entrepreneurs to take out an investment loan for developing or starting a business from 850,000 rubles and provides a deferment for loan repayment for up to 6 months. This is an ideal option for beginner businessmen.

You can also borrow from VTB Bank:

• “Target” loan: for 5 years, deferred repayment up to 6 months, only for the purchase of non-expendable working capital.
• Negotiable: for 24 months, from 850,000 rubles.
• Mortgage: for 10 years, down payment equal to 15%.

Average rates on VTB Bank loans vary from 14 to 25% per annum.

Sovcombank is interesting because it offers consumer loans to both individuals and entrepreneurs:

• For any purpose;
• Up to 400,000 rubles;
• From 12% per annum;
• For up to 5 years;
• Registration will take from 1 hour to 3 days.

This bank offers a special loan for individual entrepreneurs “Partner”, designed for its own clients. That is, if an individual entrepreneur has an account with Alfa Bank, he can receive up to 6 million at a small percentage. For any purpose and without collateral. Funds are not issued in person; the borrower's current account is replenished.

This bank allows entrepreneurs to receive cash using only two documents: a passport of a citizen of the Russian Federation and one of their choice to confirm solvency. Conditions for providing a consumer loan:

• Up to RUR 500,000;
• From 16 to 29% per annum;
• From 2 to 5 years;
• If there is collateral, a reduced rate applies.

State programs for individual entrepreneurs

If bank loan programs are beyond your means, try getting an individual entrepreneur loan under one of the government programs aimed at supporting small and medium-sized businesses. Contact funds to promote or support SMEs; these exist in almost every region.

State funds give loans to entrepreneurs at very low interest rates - 8-11%. A loan of up to one million Russian rubles can be spent on any business-related needs. Even to create it from scratch.

The conditions for lending are the same as in banks. You may also need guarantors or collateral. The maximum period for which the loan must be repaid in full is 36 months.

But such programs also have a disadvantage - businessmen whose activities are important for the region can borrow funds on the same day. And the rest will have to stand in line.

If you do not have your own property for collateral and you cannot find a guarantor, contact any guarantee fund. For a small fee and reward, he will become your guarantor. The amount of the remuneration does not exceed 1/3 of the refinancing rate; it will have to be paid immediately after drawing up the agreement.

The main condition put forward by the bank when issuing a loan is the solvency of the borrower. An individual entrepreneur must provide evidence of the stability of his income.

Confirmation of the receipt of profit by an individual entrepreneur is management and accounting reporting on the total results of its activities. However, these documents cannot reflect the level of income received by the individual entrepreneur in the future, and, most likely, the bank will refuse to issue funds. What should I do? Knowing what requirements banks put forward for potential borrowers, an entrepreneur can analyze them and apply for a loan.

Confirmation of the receipt of profit by an individual entrepreneur is management and accounting reporting on the total results of its activities.

To assess the solvency of individual entrepreneurs, each bank develops special programs, applying an individual approach to each borrower, and examines in detail the results of its activities.

Before issuing a loan permit, the bank evaluates:

1. Income level of individual entrepreneurs: amount of revenue, amount of monthly taxes, net profit.
2. Credit history: no late payments, timely payment of taxes, active use of loans, absence of any compromising information.
3. Property that can serve as collateral. You must also have a guarantor.
4. Duration of business: it must be at least 1 year, and actual activity must be at least 6 months.
5. Compliance by the organization with legal norms and the absence of any administrative or criminal offenses.

If an individual entrepreneur has a stable profit, has no debt on loans from other banks, pays taxes and salaries to employees on time, is a conscientious borrower with a “good history,” the bank will have no complaints and will issue a loan.

Package of documents

Most individual entrepreneurs use the simplified taxation system (STS) and must prepare accounting and financial statements to receive a loan. To prove your reliability and confirm your solvency, you must provide a complete package of documents.

Documents for obtaining a loan:

1. Original and copy of passport.
2. Certificate of state registration of individual entrepreneurs.
3. Copies of tax returns for the last reporting period.
4. issued no more than 1 month ago.
5. Certificates from the tax service about current accounts that are opened in the name of the entrepreneur in banks.
6. Certificate of absence of debt.

When applying for a loan, the bank may require additional documentation. This may be a list of property, equipment and vehicles owned - everything that the entrepreneur owns. In some cases, the bank will need to provide warehouse certificates, copies of cash books, price lists, documentation on the amount of working capital in other banks, invoices, etc.

Types of lending

Today banks provide the following types of loans:

• express loan;
• loan for small business development;
• consumer loan.

Express loans

Any entrepreneur can get this loan. Its registration will take a little time, and a minimum package of documents is required to receive funds. Express loans are issued in stores, shopping centers and bank branches.

When receiving such a loan, you do not need to confirm your income. But the downside is that the money is issued at a high interest rate, and you can get no more than 100,000 rubles.

Small business development loan

To support and develop small businesses, many banks are developing special lending programs.

Most often, a loan is issued for:

• expansion of the range of goods;
• acquisition of machinery, equipment, transport;
• development of new areas of activity for individual entrepreneurs.

In order to take it, you must:

• have positive financial statements;
• confirm solvency;
• work as an individual entrepreneur for at least 1 year in the Russian Federation;
• have a good credit history.

Programs for the development of small businesses provide for the issuance of large sums for a period of up to 5 years. However, many entrepreneurs are not satisfied with the high interest rate - from 24 to 27%.

Consumer loan

A consumer loan for individual entrepreneurs provides for the issuance of significant amounts at low interest rates. Its main difference from an express loan is the mandatory confirmation of income.

Conditions for receiving funds:

1. To receive an amount of up to 100,000 rubles, a full package of documents is required confirming the profitability and stability of income.
2. To receive an amount over 100,000 rubles, you must find a guarantor.
3. To receive an amount over 500,000 rubles, you need a collateral, this could be your real estate.

Please note that when applying for a consumer loan, you must indicate the specific purposes for which funds are required. This could be a trip, repairs, education, etc.

If in your loan request you indicate that funds are required to start and develop your own business, the bank will refuse you.

Banks are developing many programs that allow you to take out a loan on terms convenient for you. Before visiting the bank, study all the nuances of obtaining a loan. Borrowed funds give you the opportunity to expand your business or enter into contracts for new large projects without diverting funds from the company’s turnover.

Many people know individuals, but what are banks ready to offer entrepreneurs today? Previously, financial institutions were not very loyal to individual entrepreneurs; it was almost impossible to get funds to promote a business. In recent years, the situation has changed a little; special financing programs have begun to appear in banks, from which every businessman can choose the one that suits him. Today we will talk about Sberbank loans to individual entrepreneurs: conditions, programs, interest rates, etc.

Why Sberbank?

In fact, there is no particular difference in where to take out a loan, the main requirement is that it be most profitable. Sberbank just offers quite affordable conditions. Moreover, this bank has a decent amount of working capital, which increases the applicant's chance of getting approved.

Well, of course, no one has canceled the stereotypes - for a Russian citizen, Sberbank is a guarantor of stability and a loyal attitude to the implementation of government projects for the development of small businesses.

How to get a loan for an individual entrepreneur to open a business at Sberbank, what programs are there?

Sberbank loan programs for individual entrepreneurs

Today, a well-known bank offers a variety of programs taking into account the client’s preferences and business direction.

Express loans

This loan can be issued only if real estate is provided as collateral; it can be either residential or commercial. The purpose of the loan directly depends on the type of express loan, which is divided into two types:

• Mortgage. Financing is provided only for the purchase of residential or non-residential real estate.
• Secured loans are issued for various purposes.

A loan for individual entrepreneurs in Sberbank can be issued under the following conditions:

• Loan duration up to 10 years.
• Loan interest rate from 16.5%.
• The maximum amount is 7 million rubles.
• The loan is secured by real estate.
• Guarantee for individuals persons required.
• Premature loan repayment is permitted.

Requirements for borrowers:

• Age restrictions - 23-60 years.
• At least 12 years of entrepreneurial experience.
• Business turnover up to 60 million rubles.
• Must have a current account.

Loans for any purpose

Sberbank of Russia provides loans to individual entrepreneurs in the form of trust loans for the following projects:

• "Confidence".
• "Business Trust".
• "Business project".

Sberbank loans are issued to individual entrepreneurs on the following conditions:

• The minimum loan amount is 30 thousand.
• Maximum - 3 million.
• The loan period is up to 4 years.
• Interest rate - 18.5%.
• Collateral is not necessary, but by registering it as a guarantee, you can reduce the interest on the loan.
• Guarantee of individuals is one of the main conditions.
• The assessment is carried out strictly by the bank.

Requirements for an individual entrepreneur:

• To receive a Sberbank loan by an individual entrepreneur, the amount of turnover of his enterprise should not exceed 60 million.
• The duration of the organization's activities is at least 2 years.
• Age restrictions: from 23 to 60 years.
• Registration in the Russian Federation.

The above criteria for obtaining the opportunity to form a small business apply only to the “Standard” and “Business Trust” programs. The “Business Project” has some features:

• The circumstances of lending are discussed directly with the financial institution on an individual basis during the period when a decision is made to issue a loan for a business project.
• In addition to a standard loan, a businessman can apply for opening a credit line or allocating an investment portfolio in the amount of up to 200 million.
• The loan period is set on a personal basis.
• Reduced loan rate from 14.5%.
• The borrower's personal funds in the amount of at least 10% must be contributed to the project.
• Collateral property insurance.
• The annual turnover of the enterprise is up to 400 million rubles.
• Age restrictions - from 23 to 70 years.
• At least one year of entrepreneurial experience.

Loans for working capital financing

Sberbank provides individual entrepreneurs with the right to apply for a loan to replenish the funds used, which is necessary during the rapid growth of a business when personal funds become insufficient. In this case, of course, you cannot do without borrowed funds!

The following programs are provided for: “Turnover-Business” and “Overdraft-Business”.

“Turnover-Business” is provided under the following conditions:

• Depending on the borrower, the loan size for individual entrepreneurs at Sberbank can reach up to 3 million.
• The annual financial turnover of the company is up to 400 million rubles.
• The contract period is up to 4 years.
• Rate - from 14.5%.
• This program requires a surety or property bond.
• The possibility of early repayment of debt is provided.

Lending to individual entrepreneurs at Sberbank “Overdraft-Business” is available only to businessmen with active accounts in this institution. The money that is stored on them is a guarantee of loan repayment.

The conditions for this program are as follows:

• The maximum loan size is 17 million rubles.
• The limit period is 1 year.
• The loan rate is from 13%.
• The fee for opening an overdraft is 1.2% of the requested amount.
• Credit collateral is a guarantee from individuals. faces.
• Insurance is not required.
• The company has been in business for at least 1 year.

Lending for the purchase of means of production

Sberbank loans to individual entrepreneurs can be obtained in the form of a special loan for the purchase of production assets, such as equipment, land, vehicles, real estate and more. The requirements for this program practically do not stand out against the background of similar loans. To finance the purchase of production means, you need to collect the established set of documentation, make a down payment of 20% and immediately pledge the purchased equipment.

This type of lending includes the following projects:

• “Business Asset”, from the amount of 150 thousand, at a rate of 14.50%, for a period of up to 7 years;
• “Business Auto”, the loan is issued from 150 thousand, at a rate of 14.50 and is valid for up to 8 years;
• “Business Real Estate” is valid for up to 10 years, from the amount of 150 thousand, with a rate of 14.0%;
• "Business-Invest", minimum amount of 150 thousand, for a period of up to 10 years, interest rate - from 14.40%.

Loans for participation in tenders

To submit a request for participation, as well as to implement the won tender, impressive finances are required. At Sberbank of Russia, individual entrepreneurs can also apply for loans to participate in state tenders and beyond.

Functioning programs:

• "Contract Business".
• "Guarantee-Business".

Opportunities and conditions of the Contract-Business project:

• Obtaining financing for the implementation of domestic contracts and for export.
• Receiving up to 80% of the contract amount in the form of a loan or non-revolving credit line.
• The loan repayment schedule is adjusted to the profit pattern of the won tender.
• Under this program, Sberbank loans are provided to individual entrepreneurs for a period of up to 36 months.
• Credit rate - 14%.
• Amount - from half a million to 200 million.
• Credit collateral - pledge of property/rights under a contract/guarantee of an individual. persons
• Loan servicing fees range from 1.5 to 70 percent of the total amount.
• Available only to residents of the Russian Federation.
• Entrepreneurship experience - from 3 months.

Business Guarantee Program

This program from Sberbank is much more complex - it is not a standard loan, but a symbiosis of insurance against the occurrence of an insured event. In simple words, the entrepreneur is not sure that if he wins the tender, he will have enough of his own funds to fulfill the contract and that when he turns to the bank for a loan, he secures himself with borrowed funds.

In the absence of an insured event, the entrepreneur will only need to pay a commission, and if he has to use borrowed money, he will need to return it and pay interest.

Conditions of the Business Guarantee program:

• Under this program at Sberbank, individual entrepreneurs are given terms of up to 3 years.
• The minimum amount is 50 thousand rubles.
• Commission fees for issuing funds - from 2.5%.
• Interest rate - from 11.5.
• Security is a surety or property pledge.
• Insurance is not required.

Leasing

You already know that Sberbank provides cash loans to individual entrepreneurs, but in addition, you can get a loan for the purchase of means of production, such as automotive equipment. This program is called "Leasing".

Leasing programs:

• Cars. The loan is issued up to 24 million rubles, term from 1 year, contribution 10%.
• Commercial and freight transport - from 1 year, up to 24 million rubles, contribution 15%.
• Special equipment - from 2 years, up to 24 million rubles, contribution 25%.

Small Business Incentive Program

Sberbank loans to individual entrepreneurs can be issued on the basis of the state program “On Stimulating Small Businesses”, together with JSC SME Corporation. In this case, consideration of the application falls on the corporation, and Sberbank carries out its will.

Program conditions:

• Preferential interest rate - 10%.
• The maximum loan amount is 1 billion rubles.
• The loan period is up to 3 years.
• The loan is secured by a guarantee from SME Corporation JSC.
• Other conditions imposed on each borrower individually.

List of documents

In order for Sberbank employees to begin the application review process, a complete package of documents must be submitted. Only originals need to be submitted to the bank branch; photocopies will be made by employees on site. When applying for a Sberbank loan, individual entrepreneurs will need the following documents:

• A questionnaire filled out in accordance with all the rules and regulations of Sberbank.
• Applicant's passport.
• A document from the military commissariat confirming that they have no claims against the borrower (this certificate is necessary in order to exclude any possibility of conscription for military service for the period of validity of the loan agreement).
• Certificate of registration of an individual entrepreneur and TIN.
• A photocopy of the license for the right to carry out activities.
• A lease agreement or certificate of ownership of the premises involved in the business.
• Tax extract.
• Financial statements for the last year.
• Tax reporting confirming payment of taxes.
• Personal documents of the guarantor (passport, TIN, certificate in form 2-NDFL).

In some cases, documents confirming the guarantee of franchising may be required.

Review of application for funding

Sberbank has created a special credit committee that reviews loan applications from individual entrepreneurs. In this case, the loan file is compiled by the inspector and only after that is transferred to the committee for analysis.

In order to increase the chances of a positive decision on issuing a Sberbank loan to individual entrepreneurs, the following conditions must be met:

• Ideal credit history.
• Stable financial position.
• Permanent and official employment of the guarantor.
• Having your own real estate and other property.
• Reliable guarantor.
• Competitive business plan.

Possible reasons for refusal

Unfortunately, situations when Sberbank decides to refuse lending happen quite often. There may be several reasons for this:

• Unconvincing business project.
• Insufficient liquidity of a functioning business.

It is worth keeping in mind that checking the solvency of individual entrepreneurs is carried out especially scrupulously, since it is quite difficult to assess the transparency of accounting records.

Having studied the bank's programs, you can understand that there are quite enough opportunities for business development; you just need to choose a suitable program and meet all the necessary conditions.