Are you a legal entity and planning to apply for a loan from Sberbank of Russia? In this review, we will talk about what interest rates you can expect this year. A total of 10 proposals were presented for businesses.

So, if you need a loan from the largest bank in our country, you can choose the appropriate program from more than a wide range of products. Below we indicate the main conditions that should be taken into account:

1. Program "6.5"— intended for the acquisition (replenishment) of fixed assets, modernization and reconstruction of production, launching new projects. They will be able to offer you an amount from 1 million to 1 billion rubles for a period of up to 3 years. Rate from 9.6% per annum, guarantees from the SME Corporation serve as collateral;
2. "Business Turnover"— the purpose of issuing a loan is to replenish fixed assets, meet current expenses or participate in tenders. Amount - from 150 thousand, contract period - from 1 to 48 months, you can take a six-month deferment when paying. Interest - from 11.8% per year, material support is required (guarantees, real estate, equipment, vehicles, etc.);
3. "Business-Invest"- has similar conditions, but here the maximum lending period can last up to 10 years. The funds received can be used to modernize production, repair operating systems, and pay off existing debt;
4. "Business Real Estate"— provided exclusively for the purpose of purchasing commercial real estate or refinancing commercial property. mortgages. You can also get from 150,000 rubles. for a period of up to 10 years at a minimum rate of 11.8% with the possibility of obtaining a deferment of up to 1 year;
5. "Business Auto"- a similar program, only aimed at the purchase of commercial or cargo vehicles. They issue from 150 thousand rubles. for a period from 1 to 84 months, initial interest - from 12.1% per annum. You can defer payments for 3 months. Security - acquired property;
6. "Business Asset"— the product is intended for the purchase of new or used equipment for use in business activities, this also includes its insurance and startup and installation costs. Similar conditions as the program above, only the rate starts from 12.2% per year, and without deferments;
7. "Business Trust"— funds in the amount of 500 thousand are issued for current needs without confirmation of their intended use. The loan amount cannot exceed 60% of the estimated value of residential real estate pledged as collateral, or up to 50% of commercial real estate, or up to 90% of Sberbank's bills and deposits. The contract period is from 3 to 36 months, the rate is from 14.54% per annum, you can defer payments for 3 months;
8. "Express mortgage"— it is allowed to purchase residential or commercial real estate that has already been put into operation. For these purposes, up to 7 million will be allocated for a period of up to 10 years; a PV will be required from 25 to 30% of the cost of the object. The minimum percentage is from 15.5%, a guarantee is required;
9. "Express bail"— loan in the amount of up to 300 thousand to 5 million rubles. provided for business development against the material security of real estate or equipment with their mandatory insurance. Duration: from 6 months. up to 4 years, the percentage varies from 17 to 19% per annum.

The most popular program among entrepreneurs is the “Trust” program with a fairly high rate of 17 to 18.5% per year, but its main advantage is that there is no need for collateral. Today, not every bank is ready to lend to entrepreneurs without collateral.

Condition of "Trust"

• Amount – 100 thousand – 1 million rubles. for business owners, individual entrepreneurs and legal entities – up to 3 million.
• Duration – up to 3 years.
• Rate – 17.18.5%.
• Repayment system – differentiated or annuity payments.
• There are no commissions.
• Guarantee required.
• Early repayment is possible without penalties.
• The cost of the AKG guarantee is 1.25% of the guarantee amount for each year of use.

Individual entrepreneurs and legal entities whose business was opened more than 6 months ago can qualify for a loan. The loan can be used by legal entities, individual entrepreneurs, and business owners with revenues of up to 60 million Russian rubles. The bank's decision is made within 3 days.

If you have just recently become a legal entity and need a loan to start your own business, you may be interested in an offer called “

Lending to legal entities persons in commercial banks contributes to the development and maintenance of business. Any successful enterprise requires serious financial investments, which Promsvyazbank provides on terms favorable to clients. Representatives of small and large businesses in Moscow and other cities of the Russian Federation can choose the most acceptable forms of lending for themselves, depending on the characteristics of the company and the goals pursued.

We offer each borrower beneficial legal lending. persons Often, increasing capital through a bank loan is the only opportunity to develop a business, make it viable and profitable. Commercial lending to legal entities from Promsvyazbank allows you to use funds at your own discretion - for the development of your own enterprise.

Our offers

We offer:

• Short-term bank lending to legal entities in two forms - a line of credit and a commercial loan. In the first case, funds are provided in separate tranches, in the second, the client receives money in a lump sum.
• Long-term lending to legal entities in Moscow and the Russian Federation - to pay off costs associated with the implementation of investment projects. Financing of large projects can be carried out jointly using other products. The main advantages of this type of loan are the terms (up to 10 years) and the ability to determine the grace period for interest payments.
• Overdraft is a unique line of credit products that can satisfy the requirements of any corporate clients for short-term project financing. This is crediting the client's current account within a certain limit - payment of settlement documents in the event of insufficient or absence of funds in the client account. Used to replenish the company's working capital and manage liquidity.

Advantages of our bank

The commercial bank Promsvyazbank offers legal entities the following advantages in lending:

• favorable terms of loans provided;
• prompt response to customer needs, consideration of loan applications as quickly as possible;
• high level of service during registration and support of credit programs;
• individual approach.

Amounts, terms, interest rates and forms of loan products are all determined based on the terms of the transaction being financed and the characteristics of the clients’ cash flows. To obtain information on the main points of lending to legal entities in Moscow and the regions, call the numbers listed on the website or visit any branch of Promsvyazbank.

Today, issuing loans to legal entities is not considered surprising. This service is offered by many financial institutions, including such giants as Sberbank, Alfa-Bank, VTB24 and others. But it is worth considering that such loans differ from the usual services for individuals and have a number of features.

Types of loans to legal entities

If you classify such loans, it is worth highlighting the following criteria:

1. Issue date. Here we distinguish short-term (up to a year), medium-term loans (from a year to 2 years), as well as long-term loans - from 2 years or more.
2. Money transfer options- one-time transfer, line of credit, overdraft, leasing or factoring.
3. Goals. A cash loan is issued to a legal entity to solve the following tasks - business development, acquisition of fixed assets. It is possible to obtain a commercial mortgage or investment loan.

The procedure for issuing loans to legal entities

Loans to companies are issued in three stages - preparation for registration, study of the application, and execution of the agreement (the final step). Let's look at each stage in detail.

Preparation

At the preliminary stage, the participants discuss the future terms of the contract, consultations are held, and the optimal program is selected. The legal entity prepares a package of papers that are required for registration. The list includes two categories of papers - those establishing title and those that describe the economic activities of the subject.

The main package includes:

• Statement.
• Charter of the company (copy).
• Accounting balance.
• Organization's report on losses and profits.
• Founding agreement.
• Operating permit and licenses, if required.
• Information on debts.

When it comes to obtaining an investment loan, a business plan is required.

Consideration of the application

Further, the procedure for issuing loans to legal entities includes studying the application and the possibility of providing services to the legal entity. At this stage, the quality of management in the enterprise, the current state of the sector where the borrower operates, the demand for the company’s goods and services, the veracity of the information transmitted, and so on are assessed.

Banks issue loans to reliable enterprises and even reduce interest rates. Borrowers of the second class have the right to count on a loan issued on general terms. To receive money, a deposit is usually required. As for third-class organizations, they are given money in rare cases. Sometimes the bank makes concessions, but the funds are transferred at a high interest rate and for a small amount.

Registration of the contract.

At the final stage, the parties sign an agreement and obtain insurance. The bank carries out operations necessary to provide funds to the client. If such a condition exists, a fee is charged for issuing a loan to a legal entity. As soon as the agreement is signed, the funds are at the disposal of the company.

Results

It is worth noting that when applying for a loan to legal entities, not only the recipient, but also the banking institution is at risk. The risks of the latter are associated with insufficient collateral during registration, lack of information about the reliability of the enterprise, the danger of bankruptcy, and so on. In any case, such lending does not have uniform rules and is issued individually. The rate and size of the loan to legal entities are also determined after studying the applicant. At the same time, loans to legal entities are issued at Sberbank, Tinkoff Bank, Alfa-Bank and other financial institutions.

Loans are in demand and necessary not only for individuals, but also for various companies. The funds received are used for development, stabilization and other purposes. At the same time, it is important to obtain a loan that will be beneficial for the organization, therefore, when choosing an option, loan rates for legal entities are considered an important issue. The establishment of a particular rate depends on many factors, since banks offer individual conditions to each potential borrower.

Initially, it is important to understand the conditions under which companies can obtain borrowed funds. To do this, various parameters of the legal entity itself are taken into account. Banks pay attention to the following parameters:

The bank can offer legal entities different types of loans, which include not only an overdraft, but also various lines of credit, roundabout loans repayable at the request of the bank, as well as frame or other loans. Individual conditions are offered for each company, so it is impossible to say exactly what percentage will be set on loans.

The financial condition of the company is assessed, its credit history and many other factors are taken into account. The most favorable conditions are offered by banks that provide services to a legal entity, since it is not necessary to conduct a thorough check of the company before issuing borrowed funds.

Types of popular loans

A huge number of different loans are offered, which are most often presented in the form of targeted programs. The following offers are considered the most popular:

Where are the best rates offered?

There are many banks offering legal entities interesting conditions for cooperation. There are several credit institutions that are considered the most popular and offer low interest rates. These include:

Average interest rates for legal entities this year

The weighted average interest rate on loans offered to legal entities is approximately 18%. It does not matter whether the borrowing company provides collateral or not. This indicator may decrease if the company is a regular client of the bank, provides security in the form of collateral, or has been working with a specific banking organization for a long time.

It is possible to obtain a loan at a low rate for a large and stable company that provides the bank with a full package of documents in accordance with its requirements. Overdraft is considered the most popular for every modern company, allowing you to receive free funds at any time to solve current problems, and at a minimum interest rate. If you constantly repay such loans on time and with accrued interest, the bank can increase the limit and reduce the interest rate.

Obtainable only if certain conditions are met. The entrepreneur must be a citizen of the Russian Federation, and his age must range from 21 to 65 years. Not only a company, but also an individual entrepreneur can receive money, but if he works using simplified systems, then it is important to prepare many documents confirming his solvency. The activity must be carried out throughout the year, and an important point is the absence of a bad credit history.

Thus, the interest rates set for loans offered to legal entities may be different. They depend on various factors and the financial situation of the borrowing company itself. It is advisable to contact those banks with which the company constantly cooperates in order to be able to obtain borrowed funds on preferential terms.

Lending is an effective means for business development. Banking institutions are an integral part of the business environment. Not every organization can attract a sufficient number of investors to develop or form its project. The banking sector stimulates commercial enterprises with financing on the basis of making a profit, expressed in an interest rate. In this article we will talk about loans to legal entities, lending rates and the possibility of obtaining a loan from Russian banks in 2018.

Conditions under which banks issue loans

Banking organizations are ready to allocate money for those projects that are profitable or promising in the future. To obtain a loan, providing a business project may not be enough, especially for those entrepreneurs who do not have proper experience in this field.

Banks are more likely to cooperate with a successful company that shows stable profits. Therefore, to obtain a loan, it is worth preparing a financial report on your activities. Most often, a company receives a loan from the bank that provides its cash and settlement services.

This loan scheme opens up the possibility of obtaining an overdraft. Overdraft is an opportunity to use money in excess of the balance that a legal entity has in its account. Simply put, this is an opportunity to go into the red in order to pay off suppliers or to purchase the required equipment, components and other urgent expenses.

This service is provided at a certain interest rate, and the overdraft limit is determined by the average turnover of the account. These parameters are determined individually within the framework of the available offer of the banking institution.

All types of loans can be classified according to the purposes for which they are used:

• replenishment of working capital. Term loans, lines of credit and overdrafts are used;
• purchase of commercial vehicles. An analogue of a car loan for legal entities is leasing;
• construction and purchase of real estate are carried out using collateral financing;
• bank guarantees under contracts and liability to third parties;
• accounts receivable financing.

Despite the many directions in lending to legal entities, it can be said that symbols do not play such an important role. In any case, these are loan agreements with interest rates and a specific payment schedule, which can be developed on individual agreements between commercial organizations.

Banking offers

The average offer of interest rates on loans for legal entities varies from 6 to 20%. The interest rate largely depends on whether liquid collateral will be provided, the profitability of the particular borrower, and the type and purpose of the loan. Let's take a look at the current banking offers:

Bank	Interest rate	Loan type	Maximum amount	Contract term	Security	Currency
Credit Europe Bank		Investment projects, replenishment of working capital	100 000–10 000 000	1 month – 5 years	Required	Dollars, euros
Energo-transbank		Investments, refinancing, turnover	300 000–70 000 000	6 months – 3 years	Required
Prom-Svyazbank		Reimbursement of cash expenses in the form of an overdraft		Up to 5 years	Not required
Loko-Bank		Real estate, turnover, investments	1 000 000–150 000 000	6 months – 10 years	Required
		Turnover, development, investments	Up to 5,000,000,000	From 1 year to 10 years	Required
Sberbank			10 000 000–1 000 000 000		Wanted
Rossel-khozbank		Investments, turnover, development, modernization	5 000 000 – 1 000 000 000		May not be required
		Reimbursement of cash expenses, investments, turnover, development, modernization			Wanted

In addition to checking solvency and financial documents, banking institutions put forward the following series of requirements:

• the age of borrowers in the form of founders, guarantors, and responsible persons should vary from 18 to 65 years of age;
• Both representatives of small businesses, individual entrepreneurs, and large companies with different legal statuses (PJSC, LLC and others) can receive loans;
• the business must be successful for at least 6 months;
• there are no damaged credit debts or arrears with other banks.

To receive financing you will need to prepare the following package of documents:

• loan application. You can apply online through the website;
• a copy of the passports of the founders and responsible persons;
• state certificate registration;
• financial documentation describing the company's activities, including tax returns;
• USRLE certificate;
• contacts with suppliers, contractors;
• charter, authorized capital;
• ownership rights to movable and immovable property.

The correct documentation package depends on the chosen banking institution; it must be clarified immediately before completing the transaction.

1. You must create an application on the website.
2. Wait for review from the bank, approximately within a week.
3. The company’s specialists will contact you and advise you on possible conditions and a package of documents.
4. Contact the department, provide documentation, wait for a decision.
5. If the answer is positive, sign the agreement.

Banks can provide both a credit line with a non-renewable limit and products with a replenishable available balance. Payments are possible in the form of monthly payments or quarterly with a deferment for the down payment. The borrower transfers funds to an account opened for lending.

Maxim Pogorelov

Worked for 7 years in a bank. I have two higher educations FINEK(St. Petersburg State University of Economics and Finance) and SPbPU(Peter the Great St. Petersburg Polytechnic University).