Business lending at Sberbank: conditions for entrepreneurs. Loans for small businesses from Sberbank

Evgeniy Malyar

# Business loans

Terms of lending to entrepreneurs

Sberbank of Russia was founded in 1841 by Emperor Nicholas I. Now 70% of Russians use the services of the financial institution.

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Conditions for legal entities
Requirements for an LLC applying for a loan
Types of Sberbank loans for entrepreneurs
What is known about the Trust loan?
Business loan from scratch
Business plan requirements
Development loan
What documents are needed to obtain a development loan?
Business loan calculator according to Sberbank terms
How to Avoid Rejection
conclusions

Business support is a matter of national importance. We are talking primarily about the money required to open and expand a business. In Russia there are many credit institutions that finance business structures, but Sberbank, of course, plays the main role in this process.

The reasons for leadership are, firstly, unique financial opportunities: over half of the country's citizens trust this bank with their savings. Secondly, who else should support domestic business if not a state organization?

Get 2 million from Tinkoff

The article will describe in detail the terms of lending - amount, term, rate, to whom they give and for what they give. Can an individual entrepreneur come to a Sberbank branch and submit an application? What documents are needed to obtain? How much can he claim? Will they give you money? What types of loans are offered? We will try to give answers to these questions in our review.

Conditions for legal entities

Firms representing small and medium-sized businesses can be registered as limited liability companies or private enterprises. Each business entity has the right to apply to Sberbank for a loan under one of the existing programs, with a loan secured by property, without it, or under the guarantee of third parties.

Requirements for an LLC applying for a loan

In most cases, it is impossible to open a company with money borrowed from Sberbank. The exception is the Business Start program (for individual entrepreneurs), which will be discussed in detail below.

The company applying for a loan must already have existed for at least six months - this is the established procedure. Startups are adventurous by nature, and they will most often have to look for investors elsewhere. Operating companies have the opportunity to take advantage of Sberbank lending programs for the following purposes:

replenishment of working capital;
financial support for leasing transactions;
refinancing other loans (not overdue);

Refinancing

Only a few Russian banks are engaged in this type of lending, including Sberbank. Refinancing of loans from other financial institutions is carried out in three packages, common to which are the requirements for limiting annual turnover to 400 million rubles. and the absence of overdue debt obligations to third-party creditors.

Refinancing of business turnover. This banking product should not be confused with the previously mentioned OBS acquisition lending program of the same name. The similarity of the name is due to the fact that in this case, loans taken for the purchase of working capital are refinanced not from Sberbank, but from other banks. Minimum amount – 3 million rubles. at a rate of 14.55%.
Business Invest. As the name implies, we are talking about refinancing investments and loans taken for the modernization or repair of fixed assets. Minimum amount – 3 million rubles. at a rate of 14.48% per annum. The loan is provided for a period of up to ten years.
Business Real Estate. The name of the program is also “telling”. Sberbank refinances real estate purchased on credit from other borrowers for an amount of up to 150 thousand rubles. with a repayment period of up to ten years at an annual rate of 14.28%.

Corporate lending

The program is offered to legal entities that have been cooperating with Sberbank for a long time and have a good reputation. Corporate lending involves the use of individual preferential rates, depending, among other things, on the length of service, although other factors also influence, the most important of which is turnover. It is usually issued without collateral or guarantors.

What is known about the Trust loan?

Sberbank’s special loan “Doverie” is primarily intended for small businesses (with an annual turnover of up to 60 million rubles), including individual entrepreneurs, although medium and large companies can also take advantage of this offer.

The advantages of this banking product are obvious:

the opportunity to take out a loan for individual entrepreneurs without collateral or guarantors (the interest rate will be slightly higher);
simplicity and speed of registration (up to three days);
amount up to 3 million rubles;
favorable annual rate;
the absence of a mandatory target purpose, which is also especially valuable for individual entrepreneurs.

The non-targeted nature of the loan creates certain risks for the bank, which is why the increased rate is associated in the absence of collateral - the annual overpayment in this case is 18.5%. If there is a pledge or a guarantor, the percentage is lower – 14.52. Sberbank will not ask about why money is needed.

Another non-targeted loan from Sberbank is called “Express”. Borrowing of funds is carried out only on the security of real estate or other valuable property (for example, technological equipment) in the amount of 300 thousand to 5 million rubles. for a period of up to four years. The interest rate in the “fork” is 15.5–19%.

Business loan from scratch

A citizen who decides to open his own business can overcome the obstacle of the absence or lack of initial capital. At Sberbank, the Business Start program allows beginning entrepreneurs to take out a loan against a business plan. To receive funding, you must meet a number of mandatory requirements.

Business Start is an exclusively targeted loan. This means that the borrower is obliged to provide the lender with complete information about how the funds received will be spent, and subsequently strictly follow the approved plan. Loan conditions for opening a small business under the Business Start program:

Repayment period – up to 42 months.
The minimum loan amount is 100 thousand rubles, the maximum is 3 million rubles.
The type of repayment is annuity, that is, in equal shares.
The interest rate depends on the agreed loan term: from six months to two years – 17.5%; from two to three and a half years (42 months) – 18.5%.
Mandatory provision of a business plan.

Business plan requirements

As a rule, a borrower seeking to take advantage of the Sberbank Business Start program does not have money or liquid assets. The lender’s desire to secure its investments, which are made virtually without collateral, seems clear and logical. The process of drawing up a business plan is clearly regulated and involves the following two methods.

Using a standard sample developed at Sberbank

By doing the work of drawing up the basis of a business plan for the borrower, Sberbank pursues its own interests: it minimizes the risk of non-repayment. This demonstrates the common aspirations of the lender and the credited party for the success of the business being opened. The adaptation of a standard business plan to regional characteristics and the rich experience accumulated by Sberbank specialists contribute to achieving this goal - they know the typical mistakes and the main reasons for the ruin of novice businessmen.

Opening a business based on franchising

Opening an enterprise operating under a well-known brand most often results in the borrower receiving regular income. Sberbank is interested in the client's solvency. In addition, the franchise holder (franchisor) often acts as a guarantor. He also wishes success to his franchisee (purchaser of the franchise right), since he receives income from him. An important condition for this option is that the client has some initial capital in the amount of a fifth of the cost of the franchise (Sberbank issues 80% of the required amount).

The assets of the enterprise purchased with the loan issued act as collateral. It must be insured throughout the entire loan period - this also entails additional expenses that should be taken into account. A list of recommended franchises is provided by Sberbank.

Development loan

If the enterprise is already operating and there is no need to start from scratch, there is still often a need to find additional funds. Taking out a loan to develop a small business from Sberbank is not very easy: each application is carefully studied and analyzed, and the decision to approve the loan is not always made. Reasons for refusal may include the following circumstances:

Financial insolvency of the client. If an enterprise does not have liquid assets and has not been able to achieve significant success during its operation, then there is also little reason to hope for them in the future.
Bad credit history. If previous loans were serviced with problems, then it hardly makes sense to deal with such a client.

What documents are needed to obtain a development loan?

The lending process begins with filling out an application form. This happens most often in the nearest Sberbank branch. Reviewing the questionnaire and checking the accuracy of the information specified in it lasts about a week. After this, the client is informed of a list of documents and certificates required to present, including (most often) information about guarantors.

The guarantor (individual or legal entity) must provide a 2-NDFL certificate and a tax return, that is, confirm his real solvency.

Documents to be presented by the potential borrower:

For individual entrepreneurs - a passport of a citizen of the Russian Federation and a state registration certificate.
The conditions for an LLC are standard in all banks: constituent package, copy of the charter, tax registration certificate, licenses (if the activity profile requires it) and other documents.

The list can be supplemented in each specific case. Its final version will become known to the borrower only after reviewing the application form. As a rule, conscientious clients do not have problems providing the required package.

Business loan calculator according to Sberbank terms

With all the abundance of information about lending conditions, not every potential borrower immediately decides to apply. There are various reasons, including psychological ones. An entrepreneur who wants to take out a loan for a business from scratch from Sberbank may simply be afraid of refusal or believe that he will not be able to pay the accrued interest.

An objective assessment by potential clients of their chances and conditions is facilitated by a loan calculator, using which anyone can make a preliminary calculation of such parameters as:

interest rate;
total amount to be paid;
overpayment amount.

The result can be obtained in the form of a table with a loan repayment schedule with detailed information about payment dates, amounts of remaining debt, etc.

This tool is available on the Sberbank website or via the link below. The service is of interest primarily to small businesses. Small enterprises may not have qualified economists or financiers on staff who can accurately calculate all of the specified parameters under given conditions. It is for this reason that the loan calculator for individual entrepreneurs is especially valuable.

If the results of preliminary calculations generally satisfy the potential client, it makes sense for him to obtain more detailed information at the nearest Sberbank branch.

Calculator

How to Avoid Rejection

The difficulties associated with obtaining a targeted loan prompt some individual entrepreneurs to resort to various tricks in order to obtain the amount required for their business at any cost. How to get a loan from Sberbank in cash without being rejected?

To begin with, you should know that success, first of all, is facilitated by opening an account with the borrowing bank. If the financial activities of an entrepreneur are completely controlled, there is more trust in him.

Even a not very “beautiful” credit history can be compensated by the absence of debts for at least the last six months - evidence that the client has “improved” and is doing better than before. Other loans are issued according to the same rules, for example, a consumer loan, which is issued online or in a branch.

Almost all issues are resolved if there is reliable property security or a guarantee from a guarantor.

Sberbank faces some competition from microfinance organizations that issue urgent smart loans for individual entrepreneurs. There are no such proposals from the state in 2018. The interest on these loans is very high, and the conditions, as a rule, take into account the critically hopeless state of the borrower. It is more difficult to get a loan from Sberbank, but it is easier to pay for it.

conclusions

Sberbank offers small and medium-sized businesses several lending programs on acceptable terms. Moreover, each situation has its own target orientation of the loan:

For prompt replenishment of working capital – the “Business Turnover” and “Business Trust” programs.
To purchase equipment, a loan “Business-Asset”, “Express-Asset” or “Business-Invest” is taken out.
To purchase vehicles, it is best to use the Business Auto or Express Auto programs.
Production areas, warehouses, offices - “Business Real Estate” (purchase) or “Business Rent” (rent).
For investing borrowed funds in engineering developments, the Business Project loan program is best suited.
For beginning entrepreneurs, the Business Start package is optimal.

Such a wide variety is explained by the simplicity of classifying the purpose of a loan as a banking product.

The interest rate depends on the amount, terms, degree of security and other characteristics. It will be approximately the same, other things being equal. You can pre-calculate your interest rate using a loan calculator that is publicly available on the Internet.

Like any government agency, Sberbank is a somewhat bureaucratic structure. This disadvantage is compensated by the good conditions offered to customers.

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

Why Sberbank?

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

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

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

Sberbank loan programs for individual entrepreneurs

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

Express loans

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

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

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

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

Requirements for borrowers:

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

Loans for any purpose

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

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

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

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

Requirements for an individual entrepreneur:

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

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

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

Loans for working capital financing

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

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

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

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

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

The conditions for this program are as follows:

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

Lending for the purchase of means of production

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

This type of lending includes the following projects:

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

Loans for participation in tenders

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

Functioning programs:

"Contract Business".
"Guarantee-Business".

Opportunities and conditions of the Contract-Business project:

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

Business Guarantee Program

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

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

Conditions of the Business Guarantee program:

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

Leasing

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

Leasing programs:

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

Small Business Incentive Program

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

Program conditions:

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

List of documents

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

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

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

Review of application for funding

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

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

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

Possible reasons for refusal

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

Unconvincing business project.
Insufficient liquidity of a functioning business.

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

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

Sberbank offers 10 main loan programs for small businesses. How to get a loan for an individual entrepreneur from Sberbank, which program to choose - we will consider all the features and possibilities of financing your business later in the article.

Review of Sberbank programs for loans to small businesses: conditions and rates

In 2018, Sberbank of Russia is providing loans for the development of small businesses without collateral and secured by real estate, equipment or goods. Availability of collateral is the first criterion that should be taken into account when choosing a loan.

Unsecured lending based on trust

Without collateral, Sberbank lends to entrepreneurs whose business has been operating for more than a year and is making a profit.

"Confidence"

The program allows you to obtain a “trust” loan, without registering collateral, for a business whose annual income does not exceed 60 million rubles.

You can borrow funds for any need:

solving current problems;
development of your own business;
refinancing.

The “Trust” loan makes it possible to receive from 100 thousand to 3 million rubles at an interest rate of 18.5% per annum, with repeated lending - 17%. In the case of refinancing, if the client provides documents on the loan to close existing loans, the bank is ready to set the rate at 16.5%.

The period for which it will be necessary to repay the borrowed funds: from 1 to 3 years. To obtain a loan, you can attract guarantors.

“Trust” is suitable for borrowers who need a loan without collateral and without bank control over the spending of borrowed funds, for example, when they need cash. The product is also good for refinancing debt for which the current rate is above 16.5%.

The main advantage of this option: there is no need to document the purpose of spending the money received.

"Express Overdraft"

Funds are issued in the amount of up to 50% of the amount of monthly turnover in the entrepreneur’s current accounts. You can get up to 2.5 million rubles at a fixed single percentage of 15.5%. The contract period is 360 days, but each tranche must be returned within 60 days.

“Express Overdraft” is a good solution for short-term replenishment of “turnover”: if you need to pay off with suppliers or contractors immediately, and funds will be received from buyers (customers) in a month or a month and a half.

The proposal has its advantages:

simplified analysis of an entrepreneur's finances;
can be issued through Internet banking, the Sberbank Business Online system;
The loan is revolving and can be used as needed.

Disadvantage: An individual entrepreneur can use the overdraft only for business purposes; cash cannot be withdrawn or used to repay a loan.

Collateral lending programs for individual entrepreneurs

The most profitable option for collateral lending if real estate is transferred as collateral. In this case, insurance costs are relatively low and it is possible to get more favorable conditions.

"Business Trust"

A loan for any purpose, the bank does not require confirmation. The minimum percentage is 14.5%, the minimum amount is 500 thousand, and the maximum is calculated in each specific case and depends on the value of the collateral. The bank will issue funds for a maximum of 3 years.

“Business Trust” is worth choosing if you have real estate as collateral, you need an amount significantly less than its value, but a deferment of loan repayment will be useful. For example, opening a new store, when an individual entrepreneur also invests his own funds, and paying off the loan in the first months will be difficult.

Pros of the program:

An individual entrepreneur can receive a deferment in loan repayment for 3 months;
The bank does not control where the funds will be sent.

Disadvantage: small lending limit, 50–60% of the market value of the collateral.

"Business Turnover"

A significant advantage of the option is the low interest rate: from 11.8%. The minimum loan amount is 150 thousand rubles. The repayment period for borrowed funds must not exceed 48 months.

Under this program, it is possible to use loan money only for certain purposes:

acquisition of any raw materials for the development or establishment of a business;
replenishment of goods;
carrying out any current expenses for the existing business;
repayment of financial obligations to other banks.

The “Business Turnover” loan is an offer for businesses with revenues of more than 60 million per year with “transparent” accounting. The conditions are better, but the bank will analyze the business more carefully.

The advantage of the program, in addition to the low interest rate, is the extended loan term.

You can use real estate, transport, animals (agricultural) as security, as well as securities. The bank is ready to issue funds in an amount greater than the value of the collateral.

"Business-Invest"

For entrepreneurs, such a loan makes it possible to finance, on favorable terms, the purchase of new property or equipment using borrowed funds, or to close financial obligations to other banks.

Issued on bail. The return period is no more than 120 months. There is a deferment of repayment of the principal debt for up to 12 months. The loan rate will be from 11.8%. The amount to be issued must be at least 150 thousand rubles.

“Business-Invest” is a program for long-term investments when a long term is needed, as well as a deferred payment for the first time. Suitable for a business with revenue up to RUB 400 million and having assets that can be pledged.

low rate;
long term;
payment deferment.

The disadvantages include the fact that not all benefits of the product will be available to new borrowers. Thus, both the rate and the deferred payment are determined individually and are not always agreed upon at the desired level.

Sberbank has additional programs that allow you to purchase vehicles, equipment or real estate for business. The conditions are basically similar to Business Invest, but they have strict specific goals, which are taken into account in the features of each product.

Conditions for obtaining a business loan from Sberbank and requirements for the borrower

Get any of the above at Sberbank small business loans Only existing individual entrepreneurs can.

Necessary condition for issuing a loan is the period for conducting your business. The minimum allowable period – from 3 months – is established for collateralized lending; for unsecured lending, the business must operate for more than a year.

The guarantee of one of the relatives increases the chances of approval of the application.

It is worth remembering that when applying for a secured loan, the collateral must be insured - this is a mandatory requirement. The only exceptions are land and securities.

An important condition for approval of a loan to an entrepreneur is the presence of a good credit history or lack thereof. Facts of delays in the past may cause refusal.

How to get an individual entrepreneur loan from Sberbank: list of documents, application review period

An entrepreneur can apply for a loan only by visiting a bank office in person.. An exception is the Express Overdraft program; the application is completed online on the website in the businessman’s “Personal Account”.

For any of the selected programs the following is required: package of documents:

A completed application form on Sberbank letterhead.
Passport of a citizen of the Russian Federation.
Documents confirming the registration of an entrepreneur.
Individual entrepreneur financial reporting.

When registering a surety or pledge, an additional package of documents is required. Thus, for collateral property, documents are required that confirm that it belongs to the entrepreneur and is not pledged anywhere.

A special credit committee reviews the application and makes a decision. This will take a little time, up to 5 days, but provided that all the necessary documents are submitted to the bank. There are programs that allow you to receive financing in 1 day, for example, Express Overdraft.

When making a decision, the following are taken into account:

the applicant's credit history;
availability of property, collateral and surety;
amount of income;
quality of a business project or business plan (if available).

If an applicant has been refused a business loan, he can apply for a consumer loan.

For those who are planning to open their own business

Sberbank does not have a program aimed at starting a business and financing for start-up entrepreneurs. If a person is interested in lending specifically from Sberbank, then you can use any suitable one to start consumer loan.

The bank offers the following programs: “Consumer loan without collateral”, “Non-target loan secured by collateral” or an option guaranteed by individuals. In 2017, on the eve of the New Year, Sberbank launched a promotion, and it was possible to obtain a consumer loan at a fairly low interest rate - 12.5%.

A consumer loan for an individual entrepreneur is suitable if he has a part-time job as an employee.

You can get a business loan from scratch in other banks that are no less reliable than Sberbank. Examples of such programs are discussed below.

Pros and cons of Sberbank's proposals and three largest competitors

One of the advantages of services at Sberbank, including lending to small entrepreneurs, is that the bank offers a convenient, comprehensive system of interaction. Convenient online services are provided for businessmen: Sberbank Business Online, Sberbank Business mobile application.

Advantages of lending at Sberbank:

developed comprehensive service system;
a large list of loan programs;
competitive rates for certain types of loans;
preferential terms for regular customers.

Sberbank has a convenient service for selecting the necessary financing proposal. On the bank's website you need to enter your data, and the system will offer the optimal loan program.

Flaws:

relatively high interest rates on some financing programs;
closure of the Business Start program and the inability to take out a loan for a franchise.

Thus, novice entrepreneurs need to look for alternatives from other credit institutions. Eg:

Rosselkhozbank offers several options, including programs aimed at assisting in starting a business and developing an existing business. Rates are determined individually, terms can reach 15 years. Plus: a very large selection of loan programs.
VTB 24 attracts individual entrepreneurs with low rates (starting at 10.9%), even compared to Sberbank. There is an opportunity to receive financial support for aspiring entrepreneurs.
"Alfa Bank". The bank has one, one of which is suitable for starting a business from scratch. Here the rate will be from 13.5 to 19.5%. The maximum limit is a fairly high percentage, but the value depends on the loan term, amount and other conditions and often stops at the average level.

Before taking out a loan, an individual entrepreneur should study all possible options and choose the most suitable one.

Sberbank is among the TOP 3 credit institutions in the Russian Federation that actively support small and medium-sized businesses. A variety of programs, the opportunity to obtain borrowed funds with a minimum package of documents, and affordable tariffs are conducive to long-term cooperation.

Terms of lending at Sberbank

Lending to small businesses and individual entrepreneurs is a priority area of activity for the country's largest bank. Absolutely transparent conditions and a flexible pricing system attract potential borrowers. However, the lender is not ready to cooperate with every applicant, since it pays special attention to the quality of the loan portfolio.

A potential borrower must meet the minimum requirements, namely:

presence of Russian citizenship among the founders;
no losses for the reporting period (quarter, year);
absence of active enforcement proceedings, claims from tax authorities;
period of activity - at least 12 months from the date of registration (for certain products the period may be reduced to 6 months).

All credit products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is a direction for financing LLCs and individual entrepreneurs with annual revenues of up to 60 million rubles. It is characterized by a minimum package of documents and fast processing times for the application. The conveyor is a technology for providing borrowed funds to clients with revenue from 60 to 400 million rubles per year. A lower interest rate is provided for this direction.

The full line of products for individual entrepreneurs, micro and small businesses can be found on the official website of Sberbank.

Table 1. – Main credit line

Product name	Minimum amount, thousand rubles.	Maximum amount, thousand rubles.	Annual percentage, %	Purpose of lending	Additional terms
Loan Factory Program
"Confidence"	100	3000 (for clients without a credit history - 1000)	17 – 18,5	Any	A guarantee is required (for an individual entrepreneur - a close relative, for an LLC - a close relative of the business owner)
Express overdraft	100	3000	15,5	Covering cash gaps	The product is available only to borrowers whose annual revenue does not exceed 60 million rubles.
Express bail	300	5000	16 — 19	Any	Providing liquid real estate or equipment as collateral
Credit conveyor
Business turnover	150	3000 (over 3 million borrowed funds are provided to pay off financial obligations to other banks)	13,8 – 16,5	Replenishment of working capital	A guarantee from the owner of a business or an individual (for individual entrepreneurs) or a pledge of real estate is required
Business overdraft	200	17000	12,73	Eliminating cash gaps	For opening a limit, a fee of 1.2% of the borrowed amount is charged, minimum 8.5 thousand rubles, maximum 60 thousand rubles
Business invest	150		11,8 – 15,5	Business expansion, property acquisition, construction, financing of a new direction	It is possible to refinance loans from third-party banks and leasing companies, and provide a deferment on the payment of the principal debt
Business real estate	150	limited only by the financial capabilities of the borrower	11,8 – 15,5	Purchase of commercial real estate	Possibility of registration on the security of the purchased property
Business trust	100	5000	15,5 – 17,5	Any	Guarantee of an individual
Business project	2500	200000	11,8 – 14,5	Business expansion, production modernization, entering a new direction	Guarantee of a private or legal entity; providing a deferment on the principal debt until the launch of the project

Good to know! In 2017, Sberbank launched individual pricing conditions allowing borrowers to receive borrowed money on non-market conditions. The program is valid for borrowing in an amount of 5 million rubles or more. When deciding to set an interest rate, the depth of the relationship with the bank is taken into account (the number of available products: business cards, insurance programs, salary project, trade acquiring, etc.). It has become obvious that lending to small businesses in Russia is gaining momentum, and Sberbank remains the leader in this financial sector.

The best small business lending bank!

The growth in Sberbank lending to small businesses in the first six months of 2017 amounted to 6%. The head of Sberbank, German Gref, at a meeting with Russian President Vladimir Putin, confirmed “2017 will be better for banks than the previous one, and Sberbank’s share in it will be from 40 to 50%.”

Small business loan - lending purposes

A corporate loan from Sberbank can be provided for various purposes:

covering cash gaps;
modernization of production;
replenishment of current assets;
acquisition of commercial real estate;
purchase of transport and special equipment and others.

The bank is wary of startups, so it won’t be possible to take out a business loan for the development of an enterprise. However, the lender is quite loyal in financing the opening of new directions by existing profitable enterprises.

In general, small business lending programs at Sberbank in 2017 can be divided into 2 groups: targeted and non-targeted. The first ones are intended for purchasing a specific product or financing a specific direction. The borrower must report to the lender on the advisability of spending the money received within the time frame established by the agreement. Non-purpose loans can be spent at the discretion of the client.

Lending modes

When lending to small and medium-sized businesses in Russia, Sberbank implements various options for providing borrowed funds, which allows each client, depending on the specifics of business activity, to find the most optimal option.

For small businesses, Sberbank offers the following lending modes:

Credit. Provides for the transfer of the entire loan amount to the current account of an individual entrepreneur or LLC. In this case, interest is charged on the entire loan debt, regardless of whether the client used the borrowed funds or not.
Credit line (ON, NKL, frame). ON has an availability period after which no money will be provided. After the sample is redeemed, the limit is renewed. With NKL, interest is charged on the balance of the loan debt, and the unused limit is subject to a fee. In the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
Overdraft. This is checking account financing. Ideal for commercial businesses. When revenue or other transfers are received into the current account, the overdraft is automatically written off, which allows you to save on interest.

Stages of small business lending

Applicants can apply for a loan directly from the small business sales sector or through the SBBOL system. If, during a call to the client base, operators identify a need for borrowed funds, they will transfer the information to the lending division of the bank and to the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following stages:

Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
Collection of documents. The “Credit Factory” technology requires a minimum package of documents (registration documents, financial statements for the reporting period with a receipt for acceptance by the Federal Tax Service, SRO (if necessary), license (for licensed types of activities), passport of the decision maker). The “Conveyor” technology provides for an expanded financial analysis of the applicant’s activities, so the list of documents is expanding.
Analysis of the information provided, structuring the transaction. Analysts, together with representatives of the security and collateral service, check the legal purity of the transaction and calculate the borrower’s rating. For “factory” products, a full analysis is carried out by the client manager.
Providing transaction information to the underwriting service. Experts assess the riskiness of the transaction, the solvency and reliability of the borrower. Based on the information received, a decision on the application is provided.
Conclusion of an agreement. The loan agreement is signed at the bank office. If the transaction amount is over 5 million rubles, a security specialist must be present when formalizing the contractual relationship.

Good to know! In some cases, approval of the transaction is carried out through the credit committee. It consists of a client manager, to whom the applicant is assigned, the head of the business sales department, an analyst and underwriters. A positive decision is made by a majority vote.

Money transfer. For non-purpose products, money is transferred to the current account after the application is processed by the BEC office. For targeted loans, money is provided only by order of a strictly established form.

Increasing lending volumes to small businesses - Video

Connection to the Sberbank Business Online system (SBBOL)

Sberbank is the largest player actively cooperating with small businesses. Its conditions for loan products are recognized as the best in the domestic market (according to banki.ru). The Bank actively supports existing enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing borrowings, in comparison with other players, cannot be called minimal, especially using the “Credit Conveyor” technology.

Smart loan Sberbank - introduction of new lending technologies

Sberbank is constantly introducing new principles and approaches to supporting small and micro businesses in Russia. One of the innovations was the launch of a smart business lending program. So, what is Smart Credit? As part of this program, a client who has funds flowing through a bank account can be pre-approved for a loan. The size, rate and terms of the loan are calculated based on analysis of current account turnover. The advantage of this service is that the application process and loading of funds can be completed in almost one day. The program has already been used by many companies who highly appreciate its quality.

Some bank indicators as of September 1, 2017!

Sberbank's net assets are 23.337 billion rubles (the leader in Russia), the volume of capital (according to the requirements of the Central Bank of the Russian Federation) is 3.473 billion, the loan portfolio is 15.554. billion, liabilities to the population - 11.429 billion.

To obtain a loan, you must have an existing profitable business in the Russian Federation, the duration of which is at least 3 months for trade, at least 6 months for other types of activities, and for individual products at least 12 months. For seasonal activities, the period of activity must also be at least 12 months. After the bank makes a positive decision to provide a loan, the client needs to open a current account with Sberbank of Russia (this is a prerequisite).

Is it possible to get a loan from Sberbank for business development without collateral?

Yes, to companies and small business owners with annual revenues of no more than 60 million rubles. Sberbank provides a “Trust” loan, which allows you, without collateral, to quickly receive the necessary financial support both to solve current problems and to implement business development plans. Individual entrepreneurs and small enterprises with annual revenue from 60 to 400 million rubles. can use the unsecured loan “Business Trust” for any business purpose.

How quickly does the bank make a decision on granting a loan to a small business?

For express loans for small businesses (“Trust”, “Express-Mortgage”), the bank makes a decision on the loan application within 3 business days from the date of submission of the full package of documents. For other loan products, the period for reviewing a loan application is, as a rule, no more than 8 business days from the date of submission of the full package of documents.

What are the requirements for collateral for small business loans from Sberbank?

At Sberbank you can get both unsecured loans “Trust” and “Business Trust” for small businesses for any purpose, as well as targeted loans with various types of collateral. For example, for a loan for the purchase of vehicles and equipment “Business-Asset”, the acquired transport or equipment is used as collateral, for the “Express-Mortgage” loan – purchased real estate, and for the “Business-Real Estate” loan – purchased or owned real estate. An additional requirement for collateral for these loans is a guarantee from an individual or legal entity.

Bank guarantees

Is it easy to get a bank guarantee?

It is quite easy to obtain a bank guarantee. Especially to ensure the execution of government contracts. Individual entrepreneurs and small businesses with annual revenue of no more than 400 million rubles can obtain a bank guarantee from Sberbank. To issue a bank guarantee, contact the lending division of Sberbank (territorial bank, branch) and provide the necessary documents.

How long does the process of issuing a bank guarantee take?

The process of making a decision and issuing a bank guarantee for government contracts usually takes no more than one working day from the moment the full package of documents is provided. It may take longer to obtain a bank guarantee for non-governmental contracts - for example, about 5 business days from the moment the client provides a complete package of documents to issue a guarantee without collateral. If it is necessary to provide collateral, the period may be extended.

Is it possible to obtain a bank guarantee for a government contract?

Sberbank provides bank guarantees for government contracts. The period for making a decision and providing a guarantee is, as a rule, no more than one business day from the moment the client provides a complete package of documents.