Hello, dear readers of the business magazine “site”! In this article we will tell you how to get a loan to open and develop a small business from scratch and where you can get an unsecured loan for your business.

It's no secret that creating and developing your own business requires a lot of money. But entrepreneurs do not always have sufficient funds. Most of them have to make do with what they have.

However, a way out can always be found. If there are insufficient funds, it may become obtaining a business loan . It is this topic that our publication today is devoted to.

After reading this article from beginning to end, you will learn:

• What are the features of lending to small and medium-sized businesses;
• What you need to get a loan to start a business from scratch;
• What stages do you need to go through to get a loan for small business development?

At the end of the article, we will try to answer the most popular questions about business loans.

This publication will be useful to those entrepreneurs who are planning to apply for a business loan. It would be a good idea to carefully read the article for those who are interested in finance. As the saying goes, time is money . So don't lose it start reading now!

Read about what kind of loans there are for starting/developing a business, how to get a loan for small and medium-sized businesses from scratch, and where you can get a loan for business purposes without collateral.

1. Loans to small and medium-sized businesses - opening and developing your own business using borrowed funds

Getting a loan for business development can be difficult. It is even more difficult to get money to open a small or medium-sized business.

It is important to understand that most banks are distrustful of entrepreneurs and newly created companies. This is especially true for those businessmen who cannot provide serious evidence of their own solvency.

It is quite possible to understand creditors. The bank is not a charitable organization, so it is important for it to be sure that the money loaned will be returned on time. The easiest way to get a loan is for those businessmen who have been operating successfully for a long time.

There are several ways to get loan for starting a business . However, for their design the borrower must meet certain criteria. Often the conditions imposed on beginning businessmen are quite strict. All of them are designed to guarantee the bank timely repayment of debt.

Credit institutions offer small businesses a large number of different programs. However, most of them do not want to cooperate with entrepreneurs and individuals. Creating a business from scratch always involves high risks. Lenders do not want to take them on.

Often created business projects turn out to be unprofitable. If this happens, there will be no one to repay the debts.

Banks providing loans for small businesses often take the following measures to reduce their own risks:

• requirement of additional security in the form of a guarantor or collateral;
• registration of an insurance policy;
• increasing the loan rate;
• require the provision of a detailed business plan if they wish to open a new business;
• develop loan programs with a large number of additional restrictions and conditions;
• careful study of information about the future borrower.

If the business has been operating for several years, it will be easier to borrow money.

There are special loan programs with government support , which are designed for those who do business in an area beneficial to the government.

For example, there are programs for creating production in the Far East or Far North.

If a novice businessman does not have enough money to start his activity, it is often easier and more profitable to register non-target consumer loan . In this case, you will have to prove your solvency as an individual.

If you want to apply for a business loan, the credit institution must specify the purpose of receiving the funds.

Most often, the following business tasks are the purpose of lending:

1. purchase of additional or improved equipment;
2. acquisition of patents and licenses.

Banks are not willing to issue loans for all purposes. They prefer to take out loans exclusively for financially promising tasks.

The loan repayment period is determined individually depending on the tasks that are supposed to be solved using the money received:

• If the purpose of obtaining a loan is to increase working capital, the repayment period is usually does not exceed 1 year ;
• If the loan is issued for the purchase of equipment or the opening of new branches, the loan repayment is usually allocated from 3 to 5 years .

Beginning businessmen should be prepared that to confirm their solvency they may need to provide pledge . Typically used as collateral liquid expensive property.

Most often, banks accept as collateral:

• real estate;
• vehicles;
• equipment;
• securities.

Other property that is in demand on the market can also be provided as security.

In addition to the availability of high-quality collateral, banks take into account the following criteria:

1. Having a high-quality credit history. Malicious violators of loan agreements are unlikely to be able to obtain a large loan;
2. Financial indicators are taken into account when applying for loans by existing organizations;
3. Availability and quality of business reputation;
4. The place that the company occupies in the market, as well as its position in the industry;
5. Quantity and quality of fixed assets. Other components of the material and technical base of the business are also considered.

All of the above requirements significantly complicate loan processing for companies and entrepreneurs.

It is not always possible for businessmen to independently select a suitable loan program and cope with all the bank’s requirements. If such a situation arises, it makes sense to contact credit brokers .

These companies help in obtaining loans. But you should be as careful as possible and do not transfer funds before the loan is issued. There are many scammers among brokers.

Popular types of loans for small and medium-sized businesses

2. What are business loans - 5 main types of lending

The type of loan for small and medium-sized businesses should be selected based on the unique characteristics of a particular activity.

It is important to consider that there are a number of cases when it is more advisable for novice businessmen to use consumer programs of non-targeted lending to individuals. Having issued such a loan, citizens have the right spend the funds received at your discretion.

Don’t forget that there are several types of business loans. The most popular ones are described below.

Type 1. Traditional loan

Classic business loans are issued for the following purposes:

• if you want to work for yourself and open your own business;
• for the development of existing business;
• to increase working capital;
• for the purchase of equipment and other fixed assets.

For targeted loans intended to implement specific business objectives, the rate in most cases is approximately by 1.5 -3% below ↓. It is determined by the chosen lender, as well as the program.

The average market rate is approx. 15 % . In most cases, if security is provided, it can be significantly reduced. The size of a traditional business loan is determined by borrower's goals, as well as the selected program. The range can be very large.

Banks offer both small loans amounting to just a few million and large loans amounting to several tens of millions. At the same time, the entrepreneur will be able to take a smaller amount than medium and large businesses .

Type 2. Overdraft

This loan can be obtained from the bank by card and current account owners. Most often, overdraft is used by medium and large organizations.

Overdraft is a type of lending that provides the borrower with the ability to withdraw money from the account in an amount exceeding its balance. For the use of funds in excess of those placed on the account, its owner is forced to pay interest.

This service allows companies to liquidate cash gaps . They represent situations when there is not enough money in an account belonging to an organization to fulfill current financial obligations. After funds are received from debtors into the borrower's account, they are used to repay the resulting debt.

The interest rate on an overdraft is determined by a huge number of criteria:

• the amount of turnover in the account;
• the degree of confidence of the bank in the borrower;
• term of service in a specific credit institution, etc.

On average, the market rate varies within from 12 to 18% per annum . An important feature of overdraft is no need to provide collateral in the form of collateral or guarantors.

Type 3. Line of credit

Credit line is a loan issued not in full at once, but in small installments. In this case, the businessman borrows money at certain intervals.

A credit line is convenient for the client in that he can use only that part of the loan that he needs at the moment. At the same time, loan costs will be optimized, since Interest calculation is carried out only on the basis of current debt.

An important concept when studying the issue of providing a line of credit is tranche . It represents a part of the funds that is issued at a time.

An important condition is that the total amount of debt at any given time should not exceed total credit line limit.

In accordance with the agreement, tranches can be provided to the client at regular intervals or as needed. In the latter case, the borrower must write an application for part of the loan.

Type 4. Bank guarantee

In fact, bank guarantee It’s only a slight stretch to call it a loan.

It is much more accurate to talk about it as about the type of guarantee, as well as the type of insurance for the risks of non-fulfillment of obligations. If such a situation occurs, the customer’s expenses will be compensated by a bank guarantee.

Most often it is used in the area public procurement, and tenders. Here the guarantee acts as security for the fulfillment of obligations under concluded government contracts.

It is important to carefully study the basic concepts, as well as the principles of operation of a bank guarantee.

There are 3 parties involved in the transaction in question:

1. The bank most often acts as a guarantor for the transaction. It is he who assumes the fulfillment of obligations in the event of violation of the terms of the contract;
2. The principal is the executor under the contract. A bank guarantee is concluded in case of failure to fulfill obligations by this particular person;
3. The beneficiary is the customer under the contract. He must be confident that the agreement will be implemented in full.

Knowing which parties are involved in concluding a bank guarantee, it is easy to understand the mechanism of its action:

1. The beneficiary and the principal enter into a contract between themselves. The customer (beneficiary) requires guarantee that it will be fulfilled timely and in full. Such confidence is especially important when concluding government contracts, as well as orders for large volumes of work or the supply of large quantities of goods.
2. To prove your reliability, as well as to insure risks, The contractor provides the customer with a guarantee for the contract amount. If for some reason he is unable to fulfill his obligations, the bank will pay the customer funds.

However, the bank will not remain at a loss. For receiving a bank guarantee, the principal pays the guarantor a certain amount commission . Moreover, after paying the funds to the beneficiary, the guarantor has the right to claim this amount from the principal.

Type 5. Specific loans

In addition to the types of loans discussed above, there are specific types of loans for businesses. These usually include factoring and leasing.

1) Factoring

Factoring is something like a trade loan, which is provided to businesses by banks or specialized companies.

The factoring scheme looks simple:

1. The buyer receives from the seller the goods necessary for doing business ( For example, raw materials and equipment).
2. A credit institution (bank or factoring company) pays the invoice for the buyer.
3. Subsequently, the lender gradually receives money back from the buyer.

The benefits of factoring are obvious to all 3 parties:

1. Buyer can purchase the goods he needs without waiting for a sufficient amount to be accumulated.
2. Salesman receives funds immediately without the need to provide installments.
3. Bank or factoring company for providing funds they receive income in the form of percent. In some cases, the factoring agreement does not provide for a rate. In this case, the seller gives the bank a discount on the price. The lender receives from the buyer the cost of the goods in full.

It should be kept in mind that factoring refers to short-term loans. You will have to pay it back much faster than traditional loans. Usually the contract period does not exceed six months.

The buyer does not always know that the right to collect the debt from him has been assigned to a third party. He may think that the store provided the goods to him in installments. In this case they talk about closed factoring. If the counterparties act openly (have agreed on all the terms of the transaction), there is open factoring.

2) Leasing

A competently and professionally drawn up document helps determine the future strategy for business development. Without it, it is difficult to determine what costs and income will be, and therefore whether the business will be profitable.

It is the business plan that reflects how it is planned to use the money received on credit from the bank.

But do not forget that a business plan is a document consisting of several dozen pages. Naturally, bank employees do not have enough time to study such a document. Therefore, to obtain a loan, they provide short version of it, which contains no more than 10 pages .

By strictly observing the conditions described above, the borrower can significantly increase the likelihood of a positive decision on the loan application.

4. What are the features of small business loans without collateral and guarantors - important nuances of unsecured loans

In the fight for clients, banks often simplify lending conditions. Today you can get a business loan from scratch without collateral or guarantors.

Unsecured loans for small businesses

Such loans are traditionally used to solve various problems:

• previously issued loan;
• increasing working capital;
• acquisition of fixed assets;
• repayment of accounts payable.

It is important to carefully study all the features of lending to small businesses without collateral or guarantors.

It is worth paying attention to the advantages of unsecured loans for small businesses:

1. high speed of processing, and therefore receiving money;
2. drawing up an individual repayment schedule that will take into account the specifics of the activity;
3. the ability to receive funds in a form convenient for the businessman - cash, in foreign currency, or by bank transfer using the specified details.

It is important to keep in mind that the bank carefully studies the documents provided before issuing a loan. This process takes place individually for each case. During the analysis, bank employees seek to evaluate borrower's solvency to obtain guarantees for the repayment of issued loans.

When applying for a loan without providing collateral, the debt repayment guarantee is:

• borrower's reputation;
• business development prospects;
• the amount of profit planned to be received.

It turns out that On the one side The procedure for obtaining a loan without providing collateral is significantly simplified.

However on the other side , the likelihood of receiving a positive decision on the application is significantly reduced↓. This is especially true for newly created or planned to open businesses.

The increase in the number of failures is explained simply - For a lender, the risk of non-repayment when issuing funds to start-up entrepreneurs increases significantly ⇑.

That is why, when developing programs for issuing loans to businesses without the use of collateral, lenders in most cases significantly tighten their conditions.

Business loans without collateral or guarantors are characterized by the following parameters:

1. Minimum return periods – obligations under the contract will have to be fulfilled very quickly;
2. Limited loan size – it is unlikely that it will be possible to obtain a sufficiently large amount without providing additional guarantees in the form of collateral. In most cases, it is possible to obtain without collateral or guarantors no more 1 million rubles;
3. Increasing bet sizes compared to loans secured and guaranteed. Often they reach 25 % per annum.

Naturally, such conditions are unfavorable for entrepreneurs. Often businessmen decide in such a situation to turn to credit brokers who promise to select the most favorable conditions.

But do not forget that there are many scammers operating in the field of brokerage organizations. Therefore, payment for their services must be made only after the loan is issued.

By providing loans without collateral, banks risk not only not receiving the planned income, but also completely losing the funds issued. That is why they are tightening lending conditions. As a result, many businessmen refuse to take out a loan without collateral.

In most cases, novice businessmen still have to decide on secured loan . They also issue a guarantee. There are several reasons for this: more loyal requirements for the borrower himself, less stringent conditions for providing money, etc.

However, in this case, the registration procedure becomes more complicated, because you will have to additionally submit documents confirming ownership of the pledged item. If you plan to borrow money under the guarantee of third parties, you will have to prepare his documents.

The main stages of obtaining a loan for opening/developing a small business

5. How to get/take out a loan to open and develop a small business from scratch - 7 main stages of registration

Applying for a business loan is not an easy task. First of all, you will need to familiarize yourself with requirements imposed by banks on applicants:

• the presence of stable profits over a certain period of time;
• drawing up a high-quality business plan;
• availability of liquid, expensive property;
• clean credit reputation;
• location of the business within the territory of operation of the banking product;
• opening a current account at a loan processing bank.

The list presented is far from complete. Each credit institution independently develops loan processing conditions.

Take note! Banks always have a negative attitude towards businessmen who have had unsuccessful experiences in starting their own business in the past.

At the same time, successful operation over a long period can be a significant advantage when applying for a loan.

The reasons for refusal of a loan application may be:

• seizure of property belonging to business and management;
• debts on tax and other payments;
• open court cases in which the applicant participates.

It turns out that the process of applying for a loan is a rather complex procedure. To make your task easier, beginners should carefully study the following instructions compiled by professionals.

Accurate implementation of the steps described below allows you to increase the likelihood of a positive decision on your application, as well as avoid a huge number of popular mistakes.

Stage 1. Preparation of a business plan

Very few lenders decide to provide loans to entrepreneurs and companies without familiarizing themselves with business plan. This is typical not only for newly created organizations, but also for the development of existing ones.

Business plan is a document that defines the strategy and tactics for further business development.

To compile it, several types of analysis are carried out - production, financial, and technological. At the same time, the characteristics of not only the current activities of the company are studied, but also the future results of the project.

It is important to calculate all income and expenses arising in the process of its implementation, as well as the increase in production volumes. The business plan is designed to demonstrate to the lender exactly where his money will be directed .

A well-written and professionally written document includes a huge number of pages. Naturally, when studying a loan application, bank employees do not have enough time to study the business plan in full.

Therefore, for these purposes, you will have to additionally draw up an abbreviated version of the document that contains no more than 10 pages .

Stage 2. Choosing the direction of development

Recently, a popular way to develop or organize a business has been to use franchises . It is a ready-made model for building an activity, which is provided to the entrepreneur by a well-known brand that has already become quite popular. More information about in our special publication.

A franchise can significantly increase chances for approval of the application . Banks are more loyal to projects built on its principles, because the likelihood of success in this case is higher.

At the same time, when deciding to open your own, unknown business, creditors are skeptical about the submitted application. In such a situation, no one can guarantee success.

Having a licensed franchise agreement radically changes things. It is worth keeping in mind that most companies providing their brand for use are partners of a specific credit institution. It is to her that you should apply for a loan.

Stage 3. Registration of activities

Any organization must be properly registered with government agencies. If the company is just opening, you will have to go through this procedure.

First of all you should choose the optimal tax system . To do this, you will have to study a significant amount of relevant information or contact a professional accountant.

After this, you will have to go to the tax office with the relevant documents. Upon completion of the company registration procedure, the entrepreneur is issued a corresponding certificate .

Stage 4. Selecting a bank

Choosing a credit institution is the most important step towards obtaining a loan. The number of banks that issue money for creating and developing a business is huge. Most of them offer several programs that have their own conditions and features.

In such a situation, choosing a bank can be difficult. You can make the task easier by assessing credit institutions based on a number of characteristics suggested by experts.

The criteria for choosing a bank to apply for a business loan are as follows:

• duration of the period of activity in the financial market;
• offering several programs suitable for different categories of borrowers;
• reviews from real clients who have used the services of the bank in question;
• conditions of the credit institution's offers - rate, availability and amount of various commissions, term and amount of the loan.

Professionals recommend apply for loans from large serious banks. It is important that branches And ATMs were located within walking distance for the borrower. Equally important is the availability and effectiveness online banking.

Stage 5. Selecting a program and submitting an application

Once the bank has been selected, you can begin to analyze the programs it offers. It should be borne in mind that they may differ not only in terms, but also in requirements for the borrower or collateral.

When the program is selected, all you have to do is submit application . Today, you don’t have to go to a bank office to do this. Most credit institutions offer to send it in mode online . Just fill out a short form on the website and click the button "Send".

After reviewing the application by bank employees, the client receives preliminary decision. If approved, you will have to visit the bank branch with the documents.

After a conversation with the applicant and consideration of the original documents, it will be accepted final decision.

The convenience of submitting an application online is the ability to contact several banks at once. In this case, you can save a lot of time.

If one bank refuses It's worth waiting for someone else's answer.

If approval is received from several lenders, All that remains is to choose the most suitable one among them.

Stage 6. Preparation of a package of documents

In fact, experts advise in advance prepare the necessary documents, especially those that are required everywhere. Of course, each creditor independently compiles the corresponding list. However, there is a standard list of documents.

The package always includes 2 groups of documents:

1. Entrepreneur's documents , as well as the guarantor as an individual. These include passport, second document, identification. In some cases it is also required income certificate.
2. Business documents – constituent, business plan, balance sheet or other financial documents. If available, may be required franchise agreement. If a deposit is issued, you will have to provide property documents for the relevant property.

The more documents a future borrower manages to collect, the higher the likelihood of a positive decision.

Stage 7. Making a down payment and receiving borrowed funds

Often, business loans are issued only subject to payment down payment . This primarily applies to loans for the purchase of real estate, vehicles and expensive equipment.

At this step you should, if necessary, make a down payment and obtain relevant supporting documents.

To calculate your loan yourself, we suggest using:

Amount of credit:

₽

An initial fee

₽

Credit term

months years

Interest rate

% per year % per month

Repayment scheme

annuity

classical

One-time commission

%

₽

Monthly commission

%

₽

Annual commission

%

₽

Monthly payment

₽

Monthly commission

₽

Overpayment in monetary terms

₽

including

Loan interest

₽

Monthly interest payments

₽

One-time commission

₽

Monthly commission

₽

Annual payments

₽

Overpayment as a percentage

%

Total amount to be refunded

₽

When the agreement is signed, the borrower will receive loan funds for the business. In most cases, the money is deposited directly to checking account borrower. However, when receiving a loan to purchase equipment, real estate or vehicles, the money is transferred directly to the seller.

If you follow the above instructions exactly, you will be able to avoid a lot of problems. In addition, you can significantly speed up the registration process.

6. Where to get a business loan - TOP 3 best banks with favorable lending conditions

You can get a business loan from a large number of banks. Making a choice is often difficult. They can help descriptions of the best banks compiled by professionals.

So, let's look at which banks provide affordable and profitable loans to small businesses.

1) Sberbank

Sberbank is the most popular Russian bank. Several programs have been developed for business lending.

Statistics confirm that about 50 % of adult Russians are clients of this credit institution. In such a situation, many businessmen ( especially at the beginning of your activity) First of all, they try to apply for a loan here.

Experts advise First of all, pay attention to the terms of the program "Confidence" . It is designed to meet the needs of small as well as medium-sized businesses.

In accordance with this program, without collateral you can receive up to 3 million rubles . This can be done not only by companies, but also by individual entrepreneurs. Interest rate from 16,5 % per annum.

Sberbank also has other programs:

• express loan for business;
• business asset;
• to replenish working capital;
• for the purchase of vehicles and equipment;
• business investment;
• factoring;
• leasing

There are traditionally long queues at the Sberbank office. However, to apply for any business loan, all you have to do is visit its website. Having filled out a form there, you will have to wait approximately 2 -3 day.

2) Raiffeisenbank

For those who are unable to provide a business plan, guarantors or property as collateral, the bank offers to issue consumer loan.

For entrepreneurs who wish to obtain a special loan for a company or individual entrepreneur, Several programs have been developed here:

• overdraft – conditions are considered individually;
• express – allows you to quickly receive before 2 -x million rubles;
• classic - a program that will allow you to take before 4,5 million rubles.

To find the best loan for your business, just call the bank. Employees will advise and help you understand all the intricacies of existing programs.

3) VTB Bank of Moscow

Special loans have been developed here for both existing and newly opened small businesses.

The most popular programs include:

1. to increase working capital – Turnover program ;
2. to use money in excess of the balance available on the current account – Overdraft ;
3. for the purchase of equipment, as well as for the expansion of existing production - Business perspective .

You can also get traditional consumer loan as an individual (business owner). In this case, the amount can reach 3 -x million rubles.

If the funds offered under this program are sufficient for the business, it makes sense to think about applying for a loan under it. For a consumer loan the rate will be from 14,9 % in year.

For ease of comparison of the best banks, the main conditions and interest rates on loans are presented in the table.

Table “TOP 3 banks with the best business lending conditions”:

Credit organisation	Maximum loan size	Bid	Other programs
Sberbank	3 million rubles	From 16.5% per annum under the Trust program	Special offers have been developed for the purchase of vehicles and equipment
Raiffeisenbank	4.5 million rubles	From 12.9% per annum	You can get help choosing a program by phone
VTB Bank of Moscow	3 million rubles and more	From 14.9% per annum	Wide range of programs for opening and existing activities

From the table you can select a bank to apply for a business loan with favorable conditions and low interest rates.

7. Preferential loans for small businesses - where and how to get help from the state

Today, a considerable number of Russian citizens are planning to open their own business. This requires mandatory idea and money . With the first one everything is more or less clear. Usually everyone has an idea or is adopted from other companies.

However, not everyone has the funds to start a business.. Taking into account the fairly high rates offered by banks to beginning businessmen, we can say that it is almost impossible for beginners to get them.

The state comes to the rescue. To support small businesses, it offers a range of loan programs. However, before agreeing to any of them, you should carefully study all possible ways to get help from the government.

7.1. Types of government loans for small businesses

The government today is trying to provide support to small businesses. First of all, it is expressed in special credit programs, of which several have been developed. They differ primarily in the form of assistance, as well as the subject entitled to such support.

1) Microcredit for small companies

Russian regions have funds , intended for microcredit to small and medium-sized businesses.

It is these companies that are engaged in processing loans with government assistance to businessmen. Conditions for issuing loans vary depending on the region in which they are issued.

Main plus (+) preferential lending stands high level of availability . Money can be received regardless of the field in which the company or entrepreneur operates.

It's worth keeping in mind that in different regions there may be restrictions on lending through funds restrictions .

In general, the conditions of government loans for small businesses are characterized by the following:

1. The organization or entrepreneur must be registered in the region in which the loan is planned to be issued;
2. The amount in most cases does not exceed 1,5 million rubles, but for some industries or constituent entities of the Russian Federation the loan size may be reduced;
3. The rate for government lending is determined by a large number of factors - the prospects of the business, market needs, the solvency of the potential borrower, the availability of collateral, the value of the collateral, the size and term of the loan. On average it varies within from 8 to 12% ;
4. Credit funds are issued by bank transfer;
5. Valid limitation on the number of possible loans;
6. In most cases, to obtain a loan you will have to provide security . It could be collateral For example, property or working capital, as well as a guarantee;
7. If you do not comply with the conditions stipulated by the state loan agreement, the borrower will be subject to fine . Most often, sanctions are increased interest rates;
8. After submitting a complete package of documents, the application will have to wait for a period of time to be considered from 5 before 10 days. The duration of the period is determined by the entity in which the registration takes place.

2) State guarantee

In this case, lending is carried out through a commercial bank. The state fund becomes guarantor under a loan agreement represented by the Federal Notary Chamber.

Borrowers must understand that not all credit organizations participate in government lending. To find out which bank to contact, you should visit the official website of the Russian government.

In fact, the terms of a loan under government guarantee are not much different from those offered for traditional lending.

You should be prepared for the fact that consideration of the application may take quite a long time. Moreover, there are often situations when the fund becomes a guarantor only for part of the loan amount.

It is important to know that traditionally preference in guarantees is given to the following borrowers:

1. manufacturing and industrial companies;
2. organizations providing services to citizens in the social sphere;
3. innovative companies.

When considering applications for government guarantees, the fund takes into account the number of jobs created by the potential borrower.

3) Subsidies

For most businessmen subsidies are the most attractive type of government assistance. This is due to the fact that subsidies are provided absolutely free of charge . But don’t delude yourself - Only some businessmen can receive such help.

To count on a subsidy, you will have to comply with a number of strict restrictions:

1. contact the Employment Center and go through the procedure of registering as unemployed;
2. take a psychological test at the Employment Center;
3. enroll and complete training in the Entrepreneurship course;
4. write and submit a business plan for consideration.

When the application for a subsidy is reviewed, the businessman must register as an individual entrepreneur or organization. Only after this the borrowed funds will be transferred to him.

Worth considering! After receiving a loan all expenses will have to be documented. It is necessary that they exactly correspond to the business plan submitted to the bank for consideration.

Most often, subsidies are provided for the following needs:

• acquisition or lease of real estate for carrying out activities;
• purchasing goods for trading;
• acquisition of equipment, as well as intangible assets.

The need for them must be indicated in the business plan. But don’t rejoice ahead of time - Most applications for subsidies are rejected .

4) Grant

Grant acts as another type of assistance to entrepreneurs, which is provided free of charge . Naturally, not everyone will be able to obtain such funds. This is what many consider to be the main disadvantage of grants.

The following categories of businessmen are entitled to receive this type of state assistance:

• entrepreneurs who have recently started their activities and have been working for less than a year;
• organizations that have created a large number of jobs;
• A prerequisite for approval of grants for applicants is the absence of arrears on loans and payments to the budget.

When considering an application for a grant, the businessman’s field of activity is also taken into account. It should be borne in mind that each subject of the Russian Federation independently determines for which areas grants are issued.

5) Compensation payments, as well as tax breaks

Compensation payments represent the return by the state of part of the funds spent on the development of activities.

Businessmen working in the following areas can receive payments from the state:

1. innovative production;
2. production of import-substituting products;
3. service sector enterprises.

Tax relief are the so-called tax holidays. They mean exempting a business from making tax payments for several periods - usually no more than 2 years .

Businessmen can count on tax holidays if the following conditions are met:

1. activity started recently;
2. when choosing a taxation system, the entrepreneur preferred a simplified or patent system;
3. the company operates in the manufacturing sector, social welfare or science.

7.2. Requirements for borrowers and lending features

Requirements for potential borrowers, as well as the main features of providing loans, are determined primarily by what program the businessman is applying for. To facilitate the consideration and comparison of these parameters, they are reflected in the table below.

Table of differences in lending conditions and requirements for the borrower depending on the type of government support for business:

Lending requirements	Features of the program
Microcredit for small companies
Registration of a business in the territory of the subject of the Russian Federation in which it is planned to issue a loan Providing liquid, expensive property as collateral	The purpose of the provision is the development and support of small and medium-sized businesses. The loan period does not exceed 12 months
State guarantee
You should contact a credit institution participating in the state program The business must be registered at least six months ago The activity must be carried out in the region where the loan is issued No debt on loans and payments to the budget Part of the interest will have to be repaid with your own funds.	The easiest way to obtain funds is for companies working in the field of production, innovative technologies, construction, services for the population, transportation, medicine, housing and communal services, tourism within Russia. Businessmen engaged in gambling, insurance, banking, pawnshops and valuable funds will not be able to obtain funds. papers
Subsidies
Each Russian region determines for itself which areas of activity are most significant for it. It is for them that the subsidy is intended. Submission of a business plan is required Subsidization is intended only for individual entrepreneurs and LLCs The businessman will have to contribute a certain amount from his funds	Subsidies are issued for the purchase of raw materials, materials, equipment for production, as well as intangible resources. The term of the loan agreement is minimal - does not exceed 12 -24 months
Grant
Business is conducted no more 12 months Credit history must be crystal clear The company has created a significant number of jobs for the region Previously, no government benefits were received There are sufficient savings to make a down payment	Money is provided only to entrepreneurs and companies classified as small and medium-sized businesses
Compensation payments
Issued for companies working in the field of innovation and providing services that produce import-substituting goods	Designed for the development of small and medium-sized businesses
Tax breaks
Doing business no more 12 months A simplified or patent tax system is used Designed for industrial associations, companies from the scientific field, services for the population	Tax holidays are provided for a maximum of 24 months

Thus, The following categories of businessmen have the opportunity to receive government assistance:

1. starting a business from scratch less 1 years ago;
2. the company operates in the production or innovation sector or provides services to the population;
3. There are no problems with loans and payments to the budget.

7.3. Where to go to receive government assistance

If a businessman wishes to participate in a microfinance program , he should head to the Entrepreneurship Support Fund , located in the subject of the Russian Federation where it is registered and operates.

In this case, you will have to provide a certain list of documents. It differs for different legal forms, as well as regions. The full list can be found by visiting the website of the Fund of a specific constituent entity of the Russian Federation.

However, there are a number of documents that are required:

• an application for state assistance can be downloaded on the official website of the Fund;
• a questionnaire, as well as copies of passports and SNILS certificates of both the borrower and the guarantor;
• constituent documents;
• tax registration certificate;
• reporting documents;
• certificate of state registration;
• extract from the Unified State Register of Legal Entities or Unified State Register of Individual Entrepreneurs;
• extract from the register of small and medium-sized businesses;
• if available – license and patent.

To receive assistance in the form of a state guarantee, should contact to the bank who is participating in the relevant program.

The package of documents will practically not differ from that described above. Additionally you will need to fill out application on state guarantee.

After this, the credit institution will directly review the package of documents and transfer it to Fund . They will be studied there again during 3 -x days.

To receive a subsidy, grant or compensation payment should contact to the labor exchange (Employment Center) . The main documents will be application, as well as well-written business plan.

If the businessman’s goal is to obtain tax holidays, should be directed to the Federal Tax Service Inspectorate . It is there that you can get all the information, as well as a list of necessary documents.

Practical advice on how you can get a loan against a business plan to open and develop your business

8. How to take out a loan against a business plan to start a business - 6 useful tips from experts

Business constantly requires money: at the stage of opening, as well as developing activities, it is impossible to do without an injection of additional funds.

In most cases, a loan is the best solution for 2 main reasons:

1. Withdrawing funds from circulation is not always effective. Such actions may lead to a decrease in profits as well as production volumes;
2. When starting your own business, time often plays against the businessman. Therefore, in such a situation, it is also worth thinking about a loan, and not saving enough money.

The borrower will have to convince the bank of his solvency. Most often, for this purpose it is required to provide business plan . To facilitate the task of applying for a loan for the purposes described in this important document, you should clearly understand the rules for its preparation.

Advice from experts on drawing up a business plan to obtain a loan:

Tip 1. It is best to write a business plan yourself. It is not always worth resorting to the services of third-party organizations and individuals for this purpose.

Many banks offer businessmen a form for drawing up a business plan. It is quite possible for an entrepreneur, accountant or economist who is closely familiar with the company’s activities and can better justify the need for credit funds to write it using such a template.

If for some reason you still decide to seek help from a third-party specialist, you should ask him in advance whether he has previously written business plans for credit institutions.

Tip 2. It is best to conclude all necessary agreements (for example, lease agreements, supply of goods and equipment, etc.) in advance.

If you manage to collect the maximum of preliminary agreements required to achieve the goal of obtaining a loan, you can count on a more loyal attitude from the bank.

Tip 3. It is desirable that the purpose of lending is not fully secured by borrowed funds, part must be paid with the businessman’s own funds.

If you have your own money no less 20 % , you can significantly increase the bank's confidence. It is quite natural that creditors are loyal to those businessmen who are not afraid to risk their own funds.

Tip 4. If a business needs to receive a large sum of money for a long period of time, it is worth contacting a bank whose client the company is already.

Most often, this is a credit institution in which a permanent current account is opened.

If a businessman has already received loans from this bank several times and successfully repaid loans, he is practically guaranteed to not be denied a new loan (even for a large amount).

Tip 5. The most important thing that should be reflected in a business plan is financial calculations. This is especially true for the potential profit received from investing borrowed funds in a project.

In addition, you should not ignore the issues of loan repayment. Ideally, before receiving a loan, it is advisable to have sufficient income to make monthly payments.

Important! Marketing component of the business plan is usually not studied very carefully by bank employees. But it's worth keeping an eye on so that there are no contradictions between this section and other parts of the document.

Tip 6. Before visiting the bank, the employee who will represent the company's interests to creditors must carefully read the business plan from start to finish.

In this case, he will be able, by quickly and efficiently answering questions, to prove to the bank a real possibility of development with the help of credit money.

It is important to take the most responsible approach to drawing up a business plan. This will help significantly increase the chances of a positive decision on your loan application.

9. Frequently asked questions (FAQ) on lending to small and medium-sized businesses

Business lending– the question is broad and multifaceted. That is why, when studying this topic, a huge number of questions arise. It is not possible to answer everything within this section. Nevertheless, we provide below answers to the most popular questions.

Question 1. Are there any problems in lending to small businesses in Russia today?

Today, the Russian government is making a huge effort to support small businesses.

It is important to understand that no business project can be started without the required amount of funds. It is the start-up capital that is the most important factor in creating a company.

However, not all businessmen have sufficient funds to start their own business. Can help solve the problem business lending. It is this method of obtaining capital that is the most popular when creating a new business.

At the same time, Russian banks do not always have the desire to issue loans to new companies. Positive decision accepted no more than 10 % applications.

This is explained quite simply– lending to a newly created business always involves a lot of risk, which banks are not willing to take on.

Quite often, new projects do not meet the expectations of their owners. As a result, the business never becomes profitable. In this case, there will be nothing to pay for the loan received. It turns out that lending to small businesses is unprofitable for lenders.

Banks are much more willing to lend to large organizations for the following reasons:

• You can get more income from such companies, because they prefer to borrow large sums at once;
• Most of them have been operating on the market for quite a long time and usually already have a certain reputation. As a result, the likelihood of making monthly payments on time increases significantly.

However Contrary to the belief that large companies are serious borrowers, they do not always properly fulfill their obligations.

As a result, banks experience greater loyalty towards small companies that are highly rated by rating and auditing firms.

It is these organizations that give as objective as possible assessment of the activities of any businessman. In their report, they take into account not only current performance indicators, but also forecast ones.

Duration of activity potential borrower also plays a significant role in the bank’s decision-making process on submitted applications. It is not necessary that the age of the company be measured in tens of years. However the higher it is, the greater the likelihood of approval of the application .

In Russia, obtaining a loan for the creation of an activity is much more difficult than for its development. In this case, serious work will have to be done to analyze potential financial indicators and draw up a business plan.

Question 2. What are the conditions for issuing loans to small businesses secured by real estate?

Real estate is the most attractive collateral for many banks. The only requirement is high level of liquidity And presence of demand to a specific object. That is why, when obtaining a business loan secured by real estate, you can count on the most favorable conditions.

The advantages (+) of business loans secured by real estate include:

• extended loan term, which can reach 10 years;
• the rate is lower, than for programs without collateral;
• there is no need to provide a business plan, or the attitude towards this document is as loyal as possible;
• high speed of registration;
• Often the loan agreement provides deferment of payments .

Despite a significant number of advantages, loans secured by real estate to businessmen have a number of disadvantages.

The disadvantages (−) of such loans include:

• possible loan size usually does not exceed 60 % from the assessed value. Therefore, it is unlikely that you will be able to borrow a large amount;
• valuation of the collateral in most cases, it is carried out by employees of a credit institution or a company cooperating with the bank. The result may be an underestimated amount in the appraiser's report.. Naturally, as a result, the loan size often turns out to be lower than the borrower expected.

It should also be kept in mind that the provision of real estate as collateral does not guarantee positive decision of the bank on the submitted application.

Question 4. How to get a loan to purchase an existing business?

Not everyone is able to manage their own business; sometimes entrepreneurs wonder what to do if the company has already been created. At the same time, it is easier to buy an activity than to organize it yourself.

All this leads to the appearance on the market of such an unusual product as ready business , and many banks have developed special loan programs for its purchase.

However, during the process of applying for such a loan, some problems may arise. To reduce the likelihood of colliding with them, it is important to carefully study the features of lending for the acquisition of a ready-made business.

One of the features of such lending is that managers of small companies often use various tricks to understate ⇓ their profits. They do this to reduce the cost of tax and budget contributions. The result of such actions is that the company’s official reporting reflects little profit or even looks unprofitable.

If another businessman wants to purchase a similar company using loan funds , the bank will most likely refuse him. No lender will want to provide funds to acquire an unprofitable business. That is why, if you want to buy an existing business, it is important to provide the bank with real information about expenses, income and profits.

Do not think that banks, when considering an application, rely only on official data e. Credit organizations know very well how businessmen conduct their activities.

Therefore, they are quite loyal to them and can use them for consideration factual data. But you shouldn’t expect the bank to take the applicant’s word for it. In any case, you will have to confirm each figure with internal documents.

To purchase a ready-made business using credit funds, you will have to perform a number of actions:

1. The future borrower selects an existing business for acquisition and conducts a qualitative analysis of its profitability. Ideally, the assessment should be made business plan . This document will help not only to carefully study all the features of the acquired company’s activities, but also to assess the profitability of potential investments. In the future, a business plan will be useful to justify the feasibility of obtaining a loan.
2. If the results of business study satisfy the entrepreneur, he should proceed to choosing a bank, lending program and analyzing the terms of the loan . As soon as the decision on where to apply for the loan is made, you can apply application . To do this, you will need to provide the necessary package of documents.
3. Having received the documents, bank employees evaluate them . In this case, the analysis is carried out in 2 -x directions: solvency of a potential borrower, profitability of future investments. Often a visit is made to the place where the acquired activity is conducted. The final decision on issuing a loan is made by the credit committee.
4. A loan agreement is drawn up. Its conditions in most cases are developed individually.
5. After this, the agreement is signed by the two parties . However, the future borrower must carefully study the agreement BEFORE before putting his signature on it.
6. Payment of the down payment. Its size is determined by the loan agreement. In most cases, you will have to deposit an amount equal to from 10 to 40% the value of the acquired business.
7. The bank transfers funds to the borrower's account .

If you decide to purchase a franchise business, the procedure is carried out in several stages:

1. The future borrower attends classes on entrepreneurship development conducted by a credit institution;
2. Bank employees carry out a preliminary analysis of a potential borrower;
3. The franchisor is considering the possibility of concluding an agreement with a businessman;
4. If the franchisor's decision is positive, the bank considers the loan application. If approval is received from the lender, the loan is issued and the funds are transferred to the franchisor.

When purchasing a franchise using credit funds, the bank, as well as the brand seller they do everything so that the businessman learns how to conduct business. They teach him the basics of running a company.

Question 5. What are the pros and cons of a loan to open a franchise business?

Obtaining a loan to open a franchise business

Interested in obtaining loans to create a business using a franchise? 3 sides:

1. Franchisor strives to obtain maximum income from providing businessmen with the opportunity to operate under their brand;
2. Businessman interested in applying for a loan to start your own business. Do not forget that in most cases it is more profitable for an entrepreneur to get a loan for a franchise;
3. Banks want to take out the maximum number of loans for a franchise that will be profitable. In other words, they strive to obtain maximum income as interest on loans issued. Creating a business based on a franchise is always more attractive for lending than an activity organized from scratch.

Among the advantages of loans for starting a business using a franchise are the following:

• the ability to quickly purchase the equipment necessary to conduct business;
• high speed of market coverage;
• almost instant purchase of materials and other goods, without which business is impossible;
• there is no need to independently organize your own advertising company, this is handled by the franchise owner;
• the business is conducted from the very beginning under a popular brand using a well-known trademark;
• Within the framework of the project, entrepreneurs are trained in business management and work strategies.

Despite the huge number of advantages, taking out loans for the purchase of a franchise also has its disadvantages.

The disadvantages of loans using a franchise include:

1. The repayment period for the loans in question is usually quite limited. This entails additional risks, because it is not always possible to repay the debt in such a short period;
2. In most cases, it is mandatory to provide security in the form of a pledge or surety. This is not always convenient for a businessman;
3. Banks are picky about the business plan presented. They do not always agree with the idea of ​​the project that the entrepreneur has. Moreover, the bank may believe that the existing business plan does not represent high-quality preparation for starting operations;
4. A loan always entails additional costs. This is not only interest, but also insurance premiums, registration fees and other payments;

If you want to arrange international franchise , it should be understood that accounting costs will increase significantly. Accounting and auditing will have to be carried out in accordance with international standards. In addition, you will have to spend money on translations and adaptation of activities.

It is necessary to understand that the bank will make every effort to ensure that the debt is repaid with interest. That is why the following criteria will have to be taken into account:

• Passage of a state or legal entity is required;
• having the best possible credit history, a minimum number of problems with loan repayment in the past;
• the likelihood of a positive decision will be higher if a preliminary agreement is signed with the brand owner in advance;
• The credit reputation of the guarantors is of great importance; an additional advantage will be his work in the franchisor’s field of activity;
• If a businessman has expensive property and agrees to pledge it, it also increases the chance of receiving a loan.

The circumstances presented above can convince both the lender and the brand owner of the reliability and prospects of the businessman.

But it's worth keeping in mind that it is possible to obtain funds to create a franchise-based activity not only through bank lending.

You can also open your own business using a franchise using the following options:

1. the franchisor himself provides a loan to anyone who wants to organize an activity using the brand he owns;
2. a non-targeted loan is issued at the bank, in this case it is better not to mention that the money is borrowed to create a business;
3. borrowing funds from relatives, friends or acquaintances.

Question 6. How can an unemployed person get a business loan?

Not everyone agrees and can work for hire. Such citizens usually seek to organize own business .

However, this requires a fairly large amount of money. In most cases, the unemployed do not have such savings. This is why the question arises, Is it possible for such categories of citizens to borrow the necessary amount somewhere?

In fact, it is possible for unemployed people to get money to start a business. To do this, you should contact special organizations that assist in providing government assistance to beginning entrepreneurs.

First of all, important conditions for granting a loan must be met:

• the future businessman must be registered with Employment Center;
• it is necessary to register the activity as individual entrepreneur or legal entity;
• develop high-quality business plan.

When the above conditions are met, the possibility of providing a loan will be considered Foundation , supporting the development of entrepreneurship. Only after passing this structure will they begin to consider banks .

Many people think that to get loan for a new business from scratch for an unemployed person is a difficult and unpromising task.

But it's worth keeping in mind that the borrower may be lucky and be able to receive a gratuitous amount to start his own business () from the state. Therefore, it is worth trying to use this option.

There are ways to increase the likelihood of a loan being issued to the unemployed:

1. provision of security in the form of collateral or guarantors;
2. contact lenders who provide loans to start-up businessmen;
3. attempt to obtain a consumer loan.

It is important to remember that when applying you should be as honest as possible. If you try to deceive a potential creditor, you can end up on the list of persistent violators, who will find it very difficult to borrow money in the future.

In addition, you should prepare a high-quality business plan in advance. If the idea is detailed on paper rather than in words, the likelihood of your application being approved will increase significantly.

Question 7: How do I apply online for a small business loan?

Exists 2 The main ways to apply for a loan to create and develop a business online are:

1. on the official website of the selected bank;
2. using a brokerage website.

The sequence of actions when submitting an application through the bank’s website is as follows:

• go to the official website of the credit institution;
• study the terms of the loan program;
• fill out a form that includes the borrower’s basic information;
• submit your application and wait for review.

Important! When using a brokerage site, the user has the opportunity, by visiting one resource, compare offers from a large number of banks.

To submit an application through a brokerage website, you will have to go through a number of steps:

1. Visit the loan broker's website. Finding it is quite easy using any search engine;
2. On the website you should go to the section dedicated to business lending;
3. After comparing the terms of the offers, you need to click on the submit application button in the line of the selected bank;
4. All you have to do is fill out a short form;
5. Once the necessary data has been entered, you can submit your application and wait for the bank’s decision.

It should be understood that when submitting an application online, the bank’s decision will be preliminary. If approved, you will have to visit the bank office with the originals of the necessary documents.

10. Conclusion + video on the topic

Unfortunately, to create your own business, quality alone is not enough. You will also need financial investments, often quite large. Not everyone has the necessary amount, but there is a way out - you can get a loan.

There are a lot of loans and credits for starting or developing a business. Moreover, there is a chance to receive a certain amount free of charge as assistance from the state. It is important to do your best to explore your options and programs.

Today, entrepreneurs are given a great opportunity to take out a loan to develop a small business without having their own property or any other collateral. In private cases, funds for assistance to entrepreneurship can declare themselves as guarantors. In order not to waste hours searching for financial institutions that can provide loans without guarantors for small businesses, you can use the services of our website, which presents financial institutions that are guaranteed to provide preferential loans small businesses. Our website presents banking services that are offered by financial institutions in Moscow and other cities. The list of our offers allows you to see:

• what amount can be loaned;
• interest rate;
• documents required to obtain a loan;
• the age at which borrowers can receive a loan;
• time for consideration by the financial institution of the application.

Using our website, you can see current unsecured long-term programs of financial institutions that allow you to get a profitable loan for business development. Our website also lists institutions that offer preferential rates for small organizations.

What do we mean by favorable lending conditions?

Thanks to our portal, entrepreneurs can count on little support from the bank. They may be offered special conditions. Namely:

• unsecured loan “Trust”;
• programs that do not require guarantors;
• the possibility of extending the period for repayment of the principal debt;
• the opportunity not to pay the entrance fee;
• the possibility of obtaining a loan under the terms of floating interest rates.

What are the criteria for issuing quick subsidies for business expansion?

Before applying for a profitable loan, the borrower will need to select a bank, indicate the loan amount, indicate the period for using the loan money and the conditions for receiving the money (secured, without collateral, leasing, without a guarantor).

What is a loan calculator and why is it needed?

On our website, borrowers are given the opportunity to calculate the available monthly payment amount, specifying which credit schedule the loan will be repaid according to. The loan is calculated on the “Loan Calculator” page according to its desired size. For this purpose, the borrower will need to indicate the loan amount, interest rate, loan term, type of payment (annuity, differentiated), one-time commission and month of start of payments. Thanks to the calculator, the borrower will be able to figure out what loan price he can afford.

How to get a loan online?

An application for the issuance of money for an enterprise can be submitted to a financial institution through our website. There is a blue button next to each bank. By clicking on it, the entrepreneur will find out what advantageous offers are available when receiving a loan for the development of a small business. After submitting the online application, a credit consultant will call the applicant within 2 hours and give detailed advice on obtaining a loan. He will also explain the conditions for obtaining profitable loans. Are you interested in a preferential program with government support? Are you considering getting a cash loan? Our site is happy to help solve your financial difficulties.

Business loans in Moscow are issued for various purposes. There are special offers for ready-made businesses, for development, and for opening a new one. In most cases, they cooperate with applicants within the framework of targeted programs that require the provision of a report on the funds spent.

What kind of business loans do banks issue?

There are several varieties:

1. Express. Provides the possibility of urgent delivery. Suitable for individual entrepreneurs, representatives of medium and small businesses. Features higher interest rates.
2. For current activities. You can take out a business loan in Moscow to replenish working capital or purchase machinery and equipment. Provided in the form of a credit line or overdraft.
3. Investment. Moscow banks are ready to issue it for the development and implementation of new technologies and improvement of automated systems.
4. Commercial mortgage. The features of its production are practically no different from the traditional one. Partial payment at your own expense is required. Encumbrance required.

Conditions for obtaining business loans

It is more difficult to get a loan for a business from scratch in Moscow. Guarantee and security may be required. The following is taken into account:

• age of the company;
• profitability;
• business plan;
• reputation;
• credit history.

It is possible to obtain a loan for a director, founder, or take part in a government program. The latter are aimed at companies with no more than one hundred employees.

How to find a profitable loan for business in Moscow?

We offer the best loans for small businesses in Moscow. You can search based on terms, amounts and interest rates. After determining the best option, all that remains is to submit an application to obtain approval from several institutions.

To start any business project, start-up capital is required. It takes time to accumulate it on your own. And this will take not 2-3 months, but at least 5-6 years. If you do not intend to wait, you will have to turn to private investors for help or try to get a loan from a bank. Fortunately, this is not as difficult as it seems. Today, many financial organizations are ready to issue loans to small businesses from scratch. All thanks to targeted government support and the federal program for the development of small and medium-sized enterprises (SMEs).

Borrowed funds can be an excellent launching pad for a young entrepreneur. But business lending has its own nuances that need to be taken into account. Firstly, a loan is usually issued for specific purposes. This could be business development, starting a new business, purchasing equipment, repaying tax payments, replenishing working capital, etc. You will not be able to use the money in any other way. Otherwise, conflict with bank representatives and supervisory authorities cannot be avoided.

Secondly, to get a loan to start a small business from scratch, you need to provide a business plan. As well as an official certificate confirming your status as an individual entrepreneur, and the right establishing documents for the commercial real estate and commercial equipment you own (if any). In addition, to obtain a large loan, you may need a third party guarantee or other guarantees of your solvency (collateral, intermediation of the SME Corporation, etc.).

Requirements for the borrower

To take out a loan for a business plan, you need to meet the requirements established by the management of the banking organization. Each bank has its own internal standards, which only company employees know about. But, nevertheless, there are general criteria that are more or less the same for all financial institutions in the Russian Federation. These include:

• citizenship of the Russian Federation;
• age - from 23 to 65 years;
• business period is from 12 months.

Moreover, the last point does not mean that you will not be given a loan to develop a small business from scratch. It is quite possible to get it, you just need to use one of the government support programs.

Governmental support

The Russian government has long realized the importance of small and medium-sized businesses. To stimulate the entrepreneurial activity of the population, various financial and information support tools are being developed. Moreover, not only federal authorities, but also regional administrations take part in their preparation.

Stimulating SME lending

The small business lending incentive program is one of the largest projects of the SME Corporation. Together with the Ministry of Economic Development and the Central Bank of the Russian Federation, the organization has developed a fundamentally new instrument for financing young businessmen. The corporation managed to fix the interest rate on loans from 5 million to 1 billion rubles. at the level of 10.6% (9.6% for medium-sized enterprises). You can get a loan for a small business from scratch on these terms in 45 Russian commercial banks, including Sberbank, Vozrozhdenie, Alfa-Bank, Raiffeisenbank, etc.

Among the financed industries:

• Agriculture;
• production and supply of electricity, gas and water supply;
• food production;
• construction;
• connection;
• freight and passenger transportation.

A loan for the development of small businesses from scratch from the state is issued as part of preferential lending. The guarantor in this case is JSC Federal Corporation for SMEs.

Free loan

You can also receive money for business development free of charge. If an entrepreneur complies with the requirements of Russian legislation and has no outstanding tax debts, he is entitled to targeted subsidies. Moreover, both federal and regional.

To apply for a subsidy, you must first choose a direction. This can be done, for example, on the website of the Innovation Promotion Fund. To start a business from scratch, the organization issues free loans of up to 15 million rubles. Separately, you can get up to 300 thousand rubles. from the regional Ministry of Economic Development as part of a regional competition.

Non-profit foundations

You can take out a loan for a small business, from scratch, without collateral or guarantors, not only from the state, but also from non-governmental organizations. For example, the International Business Leaders Forum (IBLF). Under the “Youth Business of Russia” program, which is supervised by the Youth Business International (YBI) Foundation, you can get a loan of up to 300 thousand rubles for a period of 1 to 3 years. The interest rate is 12%, the debt can be deferred for 6 months.

All you need to apply for a loan is a ready-made business plan. The promotion is designed to support young businessmen, so the age of the potential borrower should be no more than 35 years.

TOP 5 business loans

Most loan offers that are not included in the program prepared by the SME Committee are issued to entrepreneurs whose business has been in existence for at least 1 year. Discussion of individual conditions is possible if there is security or guarantee from persons enjoying the confidence of the management of the banking organization.

5th PLACE: loans from Alfa-Bank JSC

Alfa-Bank is one of the most customer-oriented Russian banks. He actively cooperates with the SME Corporation and provides loans for small businesses from scratch on preferential terms. He also develops his own financial instruments for young entrepreneurs:

• "Partner". Loan for business development at 16.5% - 17.5% per annum. You can borrow from 300 thousand to 6 million rubles, no deposit is required. A prerequisite is to have a current account with Alfa-Bank JSC. Repayment period - from 13 months to 3 years;
• "Overdraft". Money for current needs, a kind of “spare account” for the company. Issued for 12 months. The loan size varies from 500 thousand to 6 million rubles. Interest rate from 13.5% to 18%. No collateral is required, but a surety from an individual is required. A one-time fee of 1% is charged for opening an overdraft limit.

If you have just started a business from scratch, then the likelihood of approval is very small

4th PLACE: business loans from JSC Rosselkhozbank

Rosselkhozbank specializes in financing enterprises one way or another related to agriculture and the food industry. Therefore, the company has many targeted lending programs. Entrepreneurs involved in small businesses may be interested in the following loans:

• "Optimal". Non-targeted loan from 100 thousand to 7 million rubles. Repayment period - 5 years. Issued on the security of real estate, commercial equipment, transport or special equipment. Deferments for debt payment are not provided;
• "Fast decision". Loan in the amount of 100 thousand to 1 million rubles. The loan term is short, only 12 months. Can be used to pay lease payments or update the material and technical base of the enterprise. Collateral is not required.

Interest rates of Rosselkhozbank depend on the size of the loan and its repayment period. And they are calculated by credit managers individually.

3rd PLACE: targeted loan from PJSC Russian Capital

Russian Capital has a large number of corporate lending programs. But for small businesses, the target package “Business Development” is of greatest interest.

Under this program, entrepreneurs can receive a loan from 1 to 150 million rubles. at 11% per annum. The loan repayment period is up to 10 years. The money can be used to purchase equipment, renovate real estate or replenish working capital. Funds are issued both in the format of a one-time loan and in the form of a non-revolving credit line with a maximum disbursement limit.

To obtain a loan, you must provide collateral and enlist the support of guarantors. The minimum period of business existence is 9 months. Borrowers can be individual entrepreneurs and legal entities that are tax residents of the Russian Federation.

2nd PLACE: non-targeted business loans of Sberbank PJSC

Sberbank has been successfully lending to small businesses for a long time. You can get a loan for enterprise development here using one of three special programs:

• “Trust” Basic loan for up to 3 years at 16.5% - 18.5% per annum. The client can count on an amount of up to 3 million rubles, no guarantee or collateral is required;
• “Express overdraft” This loan also does not require collateral. The loan term has been reduced to 12 months, the interest rate is 15.5%, and the maximum amount is 2 million rubles.
• “Business Turnover” and “Business Invest” These two transfers are very similar, the rate is from 11.8%, the maximum loan amount is not limited, it is determined only by the solvency of the borrower and the value of the collateral. These offers are targeted loans, this is the main difference.

Loan term Business Turnover - up to 3 years, Business Invest - up to 10 years

A decision on the application is made within 3 working days, online registration is possible.

1st PLACE: loans for business development of PJSC Bank VTB 24

A distinctive feature of VTB 24 programs is their clear specialization. The bank has both investment proposals and targeted loans for the development of small businesses from scratch, the purchase of special equipment and other needs. The most popular loans are:

• "Target" Issued in amounts starting from 850 thousand rubles. for the purchase of equipment and special vehicles from the bank’s partners. Repayment period - up to 5 years. It is possible to defer payments on the principal debt for 6 months. Base rate - 10.9%;
• "Investment" Can be used to implement various business processes. Amount - from 850 thousand rubles, term - up to 10 years. The rate, as in the previous case, is 10.9%. It is necessary to provide material support;
• "Kommersant". Express loan for business development at 13% in the amount from 500 thousand to 5 million rubles. You can spread your monthly payments over a period of up to 5 years. The loan is not targeted and is provided against a minimum package of documents (business plan, individual entrepreneur certificate, etc.).

You can apply for a loan from VTB 24 either at the bank’s office or through a form on the official website.

Full list of small business lending products www.vtb24.ru/company/credit/

conclusions

Small business loan from scratch issued by both government funds and commercial companies. Material support can also be obtained from non-governmental organizations created on the initiative of entrepreneurs themselves. The main thing is to prepare a convincing business plan and find guarantors who will be willing to take on your financial obligations in the event of a crisis.

In countries with developed economies, individual entrepreneurship brings huge amounts of money to the state treasury. In Russia, this layer of business is not yet very developed, because creating your own business requires considerable funds. You can get them in two ways - attract an investor or take out a loan from a bank. A pressing question today is how to get a loan without refusal for an individual entrepreneur without collateral or a guarantor to open a business, because starting individual entrepreneurs cannot always provide collateral.

What is an individual entrepreneur loan without collateral and guarantors?

To conduct business, it is not always necessary to purchase real estate and equipment that could be offered to the bank as collateral as security for the fulfillment of obligations. For the most part, this concerns the service sector - tailoring, hairdressing, etc. In this regard, loans to individual entrepreneurs without collateral or guarantors are very relevant. You can borrow a certain amount from a bank in different ways, and the main role in this is played by the purpose of the loan.

Overdraft

Overdraft lending is a non-targeted loan. Private entrepreneurs often resort to its use to replenish working capital. This loan product is included in the line of most banking organizations and is provided to those clients who have a current account. An overdraft is accrued in excess of the cash balance and is used to bridge the cash gap or for urgent payments, for example, for the supply of materials or equipment.

Regular loan

Lending to individual entrepreneurs without collateral or guarantors can be carried out in the form of a simple loan, and both beginning businessmen and those who have been working in the market for several years can apply for it. You should not count on a large amount of money, but to solve any urgent problems this type of loan will be relevant. An entrepreneur can also take out cash loans as an ordinary individual - this option for obtaining a loan will require a minimum package of documents, because approval of an application for consumer lending is much simpler.

Full line of credit

The main advantage of a credit line over an overdraft is that such a loan is issued for a longer period. It may be renewable or not. The first option is more preferable, since when you pay off part of the debt, you can use this money again. Interest is accrued only on the funds used, which helps to manage the loan rationally.

For what purposes do banks provide loans to individual entrepreneurs?

Although many banks currently issue loans for individual entrepreneurs without collateral or guarantors, it cannot be said that lenders are willing to accept this kind of borrowing, since the risk of non-repayment of the borrowed money is very likely. If a private owner has been working for several years, then it is easier to take money from the bank to develop his business, because the borrower can show his solvency by providing financial documentation, from which it will be clear that the business is making a profit. The situation is much more difficult with beginners.

Business loan from scratch

If you decide to open your own business, but don’t have enough money for it, you can contact credit organizations, although you should immediately be prepared for the fact that not all of them will be happy to lend money to start your business. In order to get a loan for an individual entrepreneur without collateral or a guarantor, you will need to draw up a high-quality business plan. Taking this document seriously and adapting it to the realities of working in the region will help convince lenders to lend you the necessary amount of money.

Consumer loan for individual entrepreneurs

As already mentioned, an entrepreneur is allowed to borrow money from a bank as an individual. To do this, you can apply for a consumer non-targeted loan, which you can then use for a startup or the development of your own business. The advantage of this approach is that there is no need to report to the lender for the money spent. In addition, there is no need to work on a business project, especially since to draw it up it is advisable to resort to the services of specialists, who also need to be paid.

Investment lending

In Russia, the practice of investment loans for individual entrepreneurs without collateral or guarantors is poorly developed. Only a few banks are ready to work according to this scheme, and even then they resort to such special offers extremely rarely. Alternatively, you can turn to private investors who will agree to allocate money to startups if they see that they can make a profit from it. However, in any case, to implement this idea you will need a high-quality business plan.

For business development

Without presenting liquid collateral and individual entrepreneur guarantors, it is easier to obtain a loan for the development of an existing business. In this case, it is recommended to contact the bank where the current account is opened. This way, the lender can see the movement of working capital and assess how profitably the borrower’s business operates. Depending on this, not only a certain amount will be offered, but also individual service conditions - the interest rate and the term of the loan.

On-lending

If the credit burden while running a business becomes excessive, and it is difficult to pay off the existing debt, you can contact the lender to refinance the existing debt. The advantage of a banking program is that existing debt is broken down over a longer period and monthly payments are reduced. However, you need to understand that in the end you will have to return a large margin to the bank in the form of accrued interest.

Leasing programs

If you need money to purchase equipment, commercial real estate or vehicles, banks offer individual entrepreneurs the opportunity to take advantage of leasing programs. The program is especially relevant if you need to purchase expensive property. Subject to certain conditions, entrepreneurs are provided with property for a specific period for an agreed fee, which can subsequently be purchased. A clear advantage of the leasing lending option for individual entrepreneurs is the absence of the need to provide collateral.

Small business lending without collateral or guarantors

Loan programs for individual entrepreneurs are varied. The offers have different interest rates and are provided for a specific period, and the loan amount also varies depending on the lender. This is due to the fact that applications from applicants are considered on an individual basis. For starting individual entrepreneurs, it will be more difficult to get a loan without guarantors and collateral. The amount itself will be small, since newcomers are included in the first risk group and banks always play it safe, since there is a possibility of not getting back the money lent to the individual entrepreneur.

Interest rates

If collateral or guarantee cannot be provided by the borrower, then low interest rates cannot be expected from the lender. Their value may vary depending on the selected loan offer. The interest rate is directly related to the success of doing business, good credit history and other circumstances. Additional risk and life insurance for individual entrepreneurs will help reduce the interest rate.

Loan term and amount

As for the timing of the provision of money, it all depends on the chosen product. For example, an overdraft loan is provided for a period of one year, while a line of credit can be opened for 3 or even more years. Loans for a minimum period are popular because the overpayment in this case is small. You should not count on a large sum of money if a loan for an individual entrepreneur is requested without collateral or a guarantor. Debt repayment can be made according to an annuity, differentiated or individual payment schedule.

Requirements for borrowers

In addition to the mandatory requirements of banks for the success of running a business or a well-written business plan, the borrower himself must meet certain parameters. Each lender has its own idea of ​​the ideal borrower, but for most banking institutions the following parameters are dominant:

• citizenship of the Russian Federation;
• registration in the region of doing business;
• age range (mainly from 21 to 60 years);
• positive credit history;
• availability of hired workers (not always).

Special programs for small businesses

The state at the federal and regional levels is actively involved in supporting private owners, especially when it comes to innovative projects. If the business is still young and has been operating for no more than 2 years, you can count on a subsidy from the state, which can be spent on purchasing equipment or materials and paying rent. To do this, you need to take a young entrepreneur course and draw up a business plan. Mandatory conditions for lending are the availability of own funds and a report on the use of money.

Citizens registered at the labor exchange, but who want to start their own business, can also count on state support. They are allocated up to 60,000 rubles for a startup. To receive investment, you need to draw up a business plan, and after its implementation, report on the money used. It is worth considering that there is no need to return preferential funds to the state - they are allocated free of charge.

How to get a loan for an entrepreneur

In order to obtain a loan for an individual entrepreneur without collateral or a guarantor, a number of conditions must be met. First, you need to open a current account, and this can be done not only during a personal visit to the bank, but also online. Once you have decided on your future field of activity, you will need to register an individual entrepreneur. The procedure is paid and today its cost is 800 rubles.

At the next stage, you need to prepare a high-quality business plan, and then decide on the bank from which you plan to borrow funds. If you have doubts about a particular institution, you can send an application to several lenders at the same time, and then choose the best option. Then the process of collecting documentation begins - the more papers you can provide, the better. The bank must see your solvency. After this, you will need to sign a loan agreement and you can begin to implement your own idea.

What documents are needed for an individual entrepreneur loan?

Banks, accepting an application from a potential applicant for a loan, will require him to provide a number of documents. Depending on the lender, the list can vary significantly, so you need to be prepared to provide additional documents in addition to the following:

• passport;
• individual entrepreneur registration certificate;
• extract from the Unified State Register of Individual Entrepreneurs;
• tax return;
• statement of incoming and outgoing transactions.

Which bank can I get a loan for an entrepreneur without guarantors and without collateral?

Each businessman chooses a lender depending on certain criteria, however, as practice shows, the likelihood of getting a loan is greater if you contact the banking institution where you are served. Here are ten profitable offers at this time:

1. Sberbank of Russia offers loans for opening or developing a business, as well as replenishing working capital.
2. OTP-Bank. Individual approach to each client with the possibility of reviewing management reporting.
3. Raiffeisenbank. For individual entrepreneurs with an annual turnover of no more than 55 million rubles, loans are offered with the possibility of early repayment and without commissions.
4. Promsvyazbank. Issues loans for individual entrepreneurs with a fixed or floating interest rate.
5. Alfa Bank. Issues money without collateral or guarantors for any purpose, subject to opening a current account.
6. Bank opening. Engaged in express lending when installing bank acquiring and opening a current account.
7. Bank Zenit. Offers loans for any purpose, revolving and non-revolving lines of credit.
8. UBRR. Loans without collateral, overdrafts and leasing programs are provided.
9. VTB 24. Offers various types of loan programs for both starting individual entrepreneurs and those developing their business.
10. Credit Bank of Moscow. Lends money in the shortest possible time using a simplified receipt program upon presentation of a minimum package of documents

Credit Trust in Sberbank for individual entrepreneurs

The country's largest bank does not require collateral to obtain loans from aspiring entrepreneurs. The “Trust” product is not a targeted loan and is provided for any purpose. Additional commissions are not charged, but loans are issued provided that the annual turnover (income) of the individual entrepreneur is no more than 60 million rubles. The loan repayment period is limited to three years, and the interest rate starts from 17% per annum. The maximum you can count on is 3 million rubles.

Loans for individual entrepreneurs at Rosselkhozbank

For entrepreneurs operating in the agricultural sector, the Russian Agricultural Bank can issue loans without providing guarantors or collateral for various purposes - from overdraft to refinancing. Loan amounts, terms and annual rates are calculated based on each case individually. The bank provides both its own loan products and government programs.

Alfa Bank – individual entrepreneur loan

If you have a current account at an institution, individual entrepreneurs can safely fill out an application online, because they have a chance to borrow up to 6 million rubles at a minimum rate of 12.55 per annum. Funds are provided without collateral or guarantors for any purpose. In addition, budding entrepreneurs can take advantage of other services of a financial institution:

• bank guarantee;
• online service for preparing documents for registration of individual entrepreneurs or LLCs;
• special conditions for the use of online accounting;
• first business advertising on Yandex;
• free legal consultation.

Loan for individual entrepreneur Sovcombank

An unsecured loan for a maximum amount of up to 1 million rubles can be obtained by a beginning businessman for any purpose without certificates or guarantors at a rate of 19% per annum. The maximum term for a Super Plus loan is 5 years, and early repayment of the loan is allowed at any time without penalties. Sovcombank offers individual entrepreneurs to further protect themselves by concluding a voluntary insurance service.

Pros and cons of lending without collateral and guarantors for beginning entrepreneurs

It is important to understand that a loan for individual entrepreneurs without collateral or a guarantor has both positive and negative sides. One of the disadvantages is the high interest rates, so the cost of such loans is higher than loans issued against collateral. In addition, banks issue small amounts. The main advantage is that money can be obtained without providing collateral, and to issue loans you need a small number of documents and a competent business plan.

For ease of accounting for individual entrepreneurs, use.

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