Additional funds are often needed to develop entrepreneurship. Most large companies constantly take out loans. These are always new opportunities that can be used to expand activities, maintain the current situation or overcome the crisis.

Sberbank offers a range of loan products that are great for individual entrepreneurs. They can also be provided to individuals, but it is them that this organization distinguishes from others as the most convenient and beneficial for individual entrepreneurs.

Conditions for obtaining loans for individual entrepreneurs

Since Sberbank has several offers suitable for loans to individual entrepreneurs, then there are no general conditions for all IP. Each loan product has its own requirements.

Loan products for individual entrepreneurs

An entrepreneur who needs funds for a business can take them from Sberbank. Wherein he can choose the most favorable conditions himself because there are multiple offers.

If the likelihood of approval is low, you can choose one of the two:

1. Submit one “general” application, just for business loans. This can be done online or through a bank branch. Then Sberbank itself will offer its own version of the loan.
2. Apply for several loan products of interest instead of one to increase the likelihood of a positive response.

But even after one application for a particular loan product, managers most likely contact the SP to offer available options. The above methods are just a safety net. to increase chances of approval.

There are a lot of lending options for individual entrepreneurs in Sberbank. The most popular ones are listed below.

Loan "Express secured"

Credit "Trust"

Loan "Business Turnover"

Credit "Business Overdraft"

Credit "Business Guarantee"

In addition to the above lending programs, the bank has the possibility of obtaining a car on credit or leasing, including special vehicles. Commercial real estate acquisition programs are also available. For these cases, extended payment terms are provided - up to 10 years or more.. It also implies the issuance of large sums, for example, for transport - up to 24 million rubles. Applications for such loans dealt with very quickly, often no more than two days. In this case, a mandatory initial contribution is required, which can be 15-25% of the price of the acquired property.

How to get a loan for an individual entrepreneur in Sberbank?

There are several ways to get a loan for individual entrepreneurs. You can order a call back: the bank manager will call back and enter all the data into the application. Also Individual entrepreneurs can apply online on the website. And the third option is self-guided visit. There will be no significant differences in the results, this is just the ability to choose the most convenient way for the client.

Required documents for applying

Since Sberbank has a lot of loan products, as well as their varieties suitable for individual entrepreneurs, then the package of documents for each case may be different. At the same time, there is a common exemplary a list of papers that must be provided to all entrepreneurs.

1. Borrower Questionnaire. It is filled in on the site if it is planned to send data via the Internet (online application). When visiting Sberbank in person you need to either print it out and fill it out in advance, or ask the bank employees already on the spot.
2. Registration and constituent documents of IP.
3. Documents on economic activity.
4. Financial statements.

In addition to the above, the department may ask for additional documents. Because each IP the situation, income, amounts required and possibilities of providing are very different, then the decision is made individually. This applies not only to the response to the application, but also to the interest rate, terms, funds issued, and so on. That's why you need to be prepared, including, to request additional documents.

Requirements for borrowers can also vary greatly, depending on what kind of loan the entrepreneur is interested in. In most cases ( but not always) it is necessary that:

• the company was a resident of the Russian Federation;
• the period of its existence and conduct of activities was at least 6-12 months;
• the age of the borrower was at least 21-23 years old.

There may also be annual turnover requirements, usually in the context of " no more N million rubles a year", pledge and surety.

What factors increase the likelihood of an application being approved?

If any loan in Sberbank was not approved, you can try to apply for another. But in order to increase the likelihood of approval, it is best to adhere to the following rules:

Most individual entrepreneurs have loans at Sberbank. The bank is more loyal to entrepreneurship than to private clients. Even if it’s not easy for an individual entrepreneur with finances, collateral in many loan programs may be commercial property, including goods. Therefore, if you need to receive funds, it makes sense to at least apply. After all, it is Sberbank provides the most favorable conditions for borrowers.

Those who want to receive more than 10 million rubles should familiarize themselves with Lending Incentive Program accessible to medium and small businesses. Some may take money from it on more favorable terms.

Many Russian banks are less willing to lend to individual entrepreneurs than employees: entrepreneurs are considered a riskier category of potential borrowers. And some even refuse to do this, only after learning that the client has the status of an individual entrepreneur. In contrast to them, Sberbank of Russia provides holders of this status with borrowed funds for both personal needs and business needs.

Credit in Sberbank

The legal status of an individual entrepreneur gives him the opportunity to take two types of bank loans: for individuals and for business entities.

But every time an individual entrepreneur applies for a so-called consumer loan, he should remember that such is a loan provided by a bank for the purchase of goods (works, services) for personal, household and other non-productive needs, but not for direct business development. Therefore, the goals for which the businessman plans to spend money, if they differ from those indicated in the definition, it is better not to voice the bank.

In 2018, Sberbank of Russia offers individuals several loan products that individual entrepreneurs can also use:

1. A loan guaranteed by an individual.
2. A loan without a specific purpose secured by real estate.
3. A loan for refinancing consumer loans in other banks and consumer and car loans in Sberbank itself.
4. Loan without collateral and guarantee.
5. Various mortgage options.

Sberbank offers individuals, including individual entrepreneurs, several consumer lending products

If you have unique receipts to your Sberbank account (salary, pension or other social benefits), he may offer you to issue a credit card and / or consumer loan for an amount previously approved by him. True, it happened more than once with consumer loans that a client, after persistent and sometimes intrusive offers from bank employees, applied and was refused.

Without collateral and guarantee for individual entrepreneurs

Officially, the bank does not declare restrictions when individual entrepreneurs apply for this loan product, and the status of an individual entrepreneur is not an automatic basis for refusing to issue it.

However, the requirements for a set of documents that the bank wants to see as confirmation of the solvency of a potential borrower have their own differences.

Required documents

The minimum package of documents that Sberbank specialists want to see when considering an application for an unsecured consumer loan includes:

1. Borrower Questionnaire.
2. His passport.
3. Confirmation of registration at the place of residence or stay (stamp in the passport or a separate document, it is not necessary to apply through the Sberbank branch at the place of registration).
4. Proof of employment and income.

In relation to an individual entrepreneur, the last paragraph implies:

• certificate of state registration of IP or a copy certified by a notary;
• income declaration for the last reporting period with a mark of acceptance by the tax office.

Borrower must confirm identity, registration address, employment and financial status

Most of the taxation systems used by entrepreneurs require filing a declaration once a year, and the bank takes this circumstance into account. So, when registering an individual entrepreneur using a simplified taxation system, an application for a loan in 2018 until May 1, the bank was satisfied with the declaration for 2016. And after this date, only the one filed at the end of 2017 is suitable.

In addition, the package for an application for a loan for business needs is usually additionally required to include such confirmations of economic activity as agreements with counterparties, the history of the movement of funds on the IP account, if it is opened in a third-party bank, etc. About everything that they want to see in a bank in relation to for each specific case, entrepreneurs are informed by employees of the credit institution who accept and process the application.

If you are both an individual entrepreneur and are in an employment relationship or receive a pension, you will become a more desirable borrower for the bank when you indicate your salary or pension as the main income. And profit from entrepreneurial activity - as additional, even if it is more.

Terms of lending to IP Sberbank

Officially, Sberbank does not announce special conditions for consumer lending to individual entrepreneurs. The standard list of requirements for borrowers is as follows:

1. Age from 21 to 65 years.
2. Confirmed work experience of at least six months at the current place of work (in relation to an individual entrepreneur, at least six months must pass from the moment of its state registration) and from one year in the last five years.

The borrower must meet the bank's requirements for age and minimum work experience

Only those who receive a salary or pension through Sberbank can count on more liberal conditions. However, for an individual entrepreneur, if he is not at the same time a pensioner or a payroll client of the bank, this is not applicable.

By default, an entrepreneur cannot count on the minimum interest rate on consumer loan products. The most "delicious" conditions are always reserved by financial institutions for the holders of their payroll and pension cards. An entrepreneur is considered a riskier borrower than a pensioner or an employee. And the bank compensates for this increased risk with higher rates.

As for credit products for small businesses, in most cases the bank requires additional collateral from this category of borrowers. In relation to individual entrepreneurs, this is a guarantee of an individual. If the money is provided against the security of the acquired real estate, transport and equipment, a guarantee, as a rule, is still needed.

Separate loan products provided for any purpose are offered only to entrepreneurs who have a current account with Sberbank with regular turnover on it.

Finding a guarantor was easier before the 2008 crisis. Before, people had no idea what this could be fraught with, and they were confident in the future. And now those who want to be, in which case, a legitimate target for collectors and bailiffs have noticeably diminished.

Sberbank loan products for individual entrepreneurs

Sberbank offers several loan products to small businesses that allow them to use borrowed funds both to cover current expenses and for development:

• "Express on bail": for a period of six months to three years, from 0.3 to 5 million rubles at 16-19% per annum with a mandatory pledge of real estate or equipment;
• "Trust": up to 3 million rubles for a period of up to three years at a rate of 17% per annum without collateral;
• "Business trust": up to 3 million rubles for up to four years at a rate of 14.52% per annum with or without collateral.

Small businesses are additionally offered:

• loans for the purchase of real estate (residential and commercial), transport and production equipment;
• leasing of cars and special equipment;
• bank guarantees to counterparties;
• factoring services (deferred payments for obligations to counterparties);
• refinancing existing loans.

Loan to a novice entrepreneur in Sberbank

It was not possible to find specialized products to help those who are just starting their business project among Sberbank's offers for small businesses in 2018. Loan products for any purpose are the first requirement for the borrower to have business experience from one to two years.

Those who are just about to launch a new business project should not rely on the help of the bank. But practice shows that various methods were used to raise funds. For example, these:

• borrow from relatives or friends who have free funds (you still need to give this money away, even if the project does not justify itself, but it is usually easier to negotiate with them than with a bank;
• sell expensive property (a car, a summer cottage, an apartment that is not the only home, etc.);
• invest in a new project profit from an existing one.

A real case: a student of one of the Kostroma universities borrowed a large amount from her parents and bought a terminal for receiving payments. As her profits grew, she returned every penny to her father and mother. And then, as her own savings grew, she invested them in her new project in the field of Internet technologies.

After the 2008 crisis, the state began to allocate money to start a business for the unemployed. The size of the subsidy could reach several thousand rubles, and the newly-minted businessman was only required to confirm that the money was spent according to his own business plan. However, in 2018, even in Moscow, where this subsidy was the most generous, you can count on a maximum of 10 thousand rubles. This amount is allowed to cover the costs of registering an individual entrepreneur or LLC, making a seal, business cards and letterheads.

Only loans for the purchase of residential and commercial real estate and vehicles, including special equipment, can be called relatively applicable to start-up entrepreneurs. To approve an individual entrepreneur's application for a car loan, at least six months must pass from the moment of its state registration. For the business mortgage program for residential and commercial premises with a loan term of up to 10 years in the amount of up to 7 million rubles, this lower limit is not stipulated at all.

Abroad, you can borrow money for a startup from a specialized agency (there are none in Russia yet) or a business angel, as people who have the freedom of funds and the desire to invest in a new project are called. Business angels began to appear in Russia, there are sites where they and startups are looking for each other.

Why an Entrepreneur Can Be Rejected

Although banks do not like to voice the reasons for refusal, there are several common reasons that are relevant for lending to individual entrepreneurs and for business purposes and for personal needs:

• insufficient period from the moment of state registration of an individual entrepreneur (as can be understood from the above, Sberbank prefers to lend to entrepreneurs with 1–2 years of economic activity in their assets);
• hiding income from the state: various “little tricks” that underestimate the real turnover and profits of a business, allow you to save on tax costs (at least until they are revealed), but do not have the best effect on solvency from the standpoint of the bank. It is preferable for him when monthly payments are repaid at the expense of profit, without withdrawing funds from circulation;
• filing zero declarations: this document serves as the main proof of income when obtaining consumer loans. With zero solvency, which he testifies, and you can only count on zero. An entrepreneur who does not have a profit will not look the best in the eyes of the bank and when considering his applications for loan products for business;
• problems with liquid collateral: since an individual entrepreneur is liable for his obligations with all his property, the desire to protect himself from its possible loss through registration to third parties is understandable. But the bank, which, if necessary, will not be able to impose a penalty on these assets, will not meet with understanding;
• even if you manage to find a guarantor, he may have his own problems with confirming solvency;
• negative credit history - this circumstance, with extremely rare exceptions, makes the chances of any borrower to receive a loan also negative.

Some entrepreneurs hope that when they apply to a bank for a loan as an individual entrepreneur, their credit history for loans made by them as ordinary individuals will not be taken into account. This is wrong.

How to calculate a loan for an individual entrepreneur in Sberbank

Any potential borrower, including an individual entrepreneur, can calculate a loan even before submitting an application using a loan calculator on the Sberbank website, located directly on the page with a description of the loan product of interest. The calculator allows you to determine:

1. The maximum amount that an entrepreneur can expect based on the amount of verified income or a monthly payment that is affordable for him.
2. The amount of the monthly payment for various loan terms, interest rates and the total amount of the loan.
3. The total amount of overpayment for the use of borrowed funds.

Sberbank loan calculator allows you to calculate the loan amount, monthly payment and overpayment

All this data can be presented in the form of a schedule or table of payments and, if desired, printed.

The resulting calculations will only be approximate. After all, the bank officially announces only the amount of the minimum interest rate. For example, for a consumer loan without collateral, it is 13.9% per annum. At the same time, the loan calculator for the named product offers options from 14.9 to 19.9%. And the rate for a particular borrower will be determined based on his situation according to a method that the bank keeps secret.

However, to decide whether to take or not to take, preliminary calculations are enough. And a bank specialist, before concluding a loan agreement, is required by law to announce the effective interest rate, the amount of the monthly payment, the amount of the overpayment and provide this information in printed form. And the client has the right to refuse the transaction at any time before he put his signature under the contract.

Before taking a loan, you should carefully weigh everything and soberly assess your capabilities. After all, the most unpleasant thing about using borrowed funds is that the money will have to be paid back. And possible business problems, including those caused by a difficult economic situation, will not provide you with indulgence from this obligation. It will not be superfluous to remember that once having closed your financial gaps today, any loan will expand them for a long time, starting with the first mandatory payment.

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

Terms of lending in Sberbank

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

A potential borrower must meet the minimum requirements, namely:

• the founders have Russian citizenship;
• no losses for the reporting period (quarter, year);
• lack of existing enforcement proceedings, claims of tax authorities;
• term of conducting activities - 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 an annual revenue of up to 60 million rubles. It is characterized by a minimum package of documents and fast terms for consideration of the application. The conveyor is a technology for providing borrowed funds to clients with revenues from 60 to 400 million rubles per year. In this direction, a lower interest rate is provided.

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
Credit Factory Program
"Confidence"	100	3000 (for clients with no 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 income does not exceed 60 million rubles.
Express bail	300	5000	16 — 19	Any	Provision of liquid real estate or equipment as collateral
Loan Conveyor
Business turnover	150	3000 (more than 3 million are provided with borrowed funds to repay financial liabilities to other banks)	13,8 – 16,5	Replenishment of working capital	Requires a guarantee from the owner of a business or an individual (for individual entrepreneurs) or a pledge of real estate
Business overdraft	200	17000	12,73	Elimination of cash gaps	A fee of 1.2% of the borrowed amount is charged for opening a limit, a minimum of 8.5 thousand rubles, a maximum of 60 thousand rubles
Business investment	150		11,8 – 15,5	Business expansion, acquisition of property, construction, financing of a new direction	It is possible to refinance loans from third-party banks and leasing companies, a deferment is provided for the payment of the principal debt
Business real estate	150	limited only by the financial capacity of the borrower	11,8 – 15,5	Acquisition of commercial real estate	Possibility of registration on the security of the acquired property
Business Trust	100	5000	15,5 – 17,5	Any	Guarantee of an individual
Business project	2500	200000	11,8 – 14,5	Expansion of business, modernization of production, entry into a new direction	Guarantee of a private or legal person; granting a deferment on the principal debt until the launch of the project

Good to know! In 2017, Sberbank launched individual pricing conditions that allow borrowers to obtain borrowed money on non-market terms. The program is valid when applying for a loan in the amount of 5 million rubles. When deciding on setting an interest rate, the depth of the relationship with the bank is taken into account (the number of products available: business cards, insurance programs, salary project, merchant acquiring, etc.). It became obvious that lending to small businesses in Russia is gaining momentum, and Sberbank is still the leader in this financial sector.

Best Small Business Loan Bank!

The increase in lending by Sberbank 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 goals

A corporate loan at 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 start-ups, so it will not be possible to take a business loan for the development of an enterprise. However, the lender fairly loyally finances the opening of new directions by existing profitable enterprises.

In general, Sberbank's small business lending programs in 2017 can be divided into 2 groups: targeted and non-targeted. The former are intended to purchase a specific product or finance a specific area. The borrower must report to the lender on the expediency of spending the money received within the time limits established by the agreement. Purposeless 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 economic activity, to find the most optimal option.

Sberbank offers the following lending options for small businesses:

1. 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.
2. Credit line (ON, LCL, framework). ON has an availability period after which money is not provided. After the selection is redeemed, the limit is renewed. With LCL, interest is accrued on the balance of the loan debt, and the unused limit is subject to a fee. Under the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is account financing. Ideal for commercial establishments. Upon receipt of revenue or other transfers to the current account, the overdraft is automatically debited, 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 the call to the client base, the operators identify the need for borrowed funds, they will transfer the information to the lending division of the bank and the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following steps:

1. Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
2. Collection of documents. According to the Credit Factory technology, a minimum package of documents is required (registration documents, financial statements for the reporting period with a receipt for acceptance of its IFTS, SRO (if necessary), license (for licensed activities), passport of the decision maker). The "Conveyor" technology provides for an extended financial analysis of the applicant's activities, so the list of documents is expanding.
3. Analysis of the information provided, structuring the transaction. Analysts, together with representatives of the security, collateral service, check the legal purity of the transaction and calculate the borrower's rating. For "factory" products, a complete analysis is carried out by a client manager.
4. Providing information on the transaction to the underwriting service. Specialists evaluate the riskiness of the transaction, the solvency and reliability of the borrower. Based on the information received, a decision on the application is provided.
5. The conclusion of the contract. The loan agreement is signed at the bank office. If the transaction amount is more than 5 million rubles, a security service specialist must be present during the execution of contractual relations.

Good to know! In some cases, the 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 majority vote.

1. Money transfer. For purposeless products, money is credited to the current account after the application is processed by the back office. For targeted loans, money is provided only by order of a strictly established form.

Increasing lending 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 credit 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 loans, in comparison with other players, cannot be called minimal, especially for the Loan Conveyor technology.

Smart credit Sberbank — introduction of new lending technologies

© Photo by German Gref

Sberbank is constantly introducing new principles and approaches to support small and micro businesses in Russia. One of the innovations was the launch of a smart business lending program. So what is Smart Loan? Within the framework of this program, a client who has a movement of funds on a bank account can be pre-approved for a loan. The amount, 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 the loading of funds can be implemented in almost one day. The program has already been used by many companies, which highly appreciated its quality.

Some indicators of the bank as of September 1, 2017!

Net assets of Sberbank - 23.337 billion rubles (the leader in Russia), the amount of capital (according to the requirements of the Central Bank of the Russian Federation) - 3.473 billion, the loan portfolio - 15.554. billion, liabilities to the population - 11.429 billion.

We got a question on our website: Tell me, please, what documents are needed to apply for a loan at Sberbank for individual entrepreneurs? Recently registered as an individual entrepreneur, he decided to take funds for business development. I was told that there are favorable interest rates, although I don’t know yet whether this is true or just in words.

We answer: for small businesses, Sberbank of Russia offers a wide range of loans that are designed for different purposes:

• part - to replenish working capital, while an overdraft is allocated separately. Favorable conditions - a percentage of 12.73%, the loan is calculated individually, not less than 170 thousand,
• others to purchase commercial vehicles, equipment or real estate. There are 5 different programs here, where the minimum payout is from 150 thousand rubles. for a period of up to 128 months with an initial rate of 14.28% per year,
• there are also loans with the provision of funds for any purpose, the interest rate starts from 16% per annum. Amount up to 5 million rubles, credit period - from 6 to 36 months,
• a separate category is a proposal for leasing. Amount - up to 24 million, contract term - from 12 months, advance payment from 15%,
• the service for refinancing existing debts is also highlighted in a separate section. You are provided with a loan at an individual interest rate of 14.28% per annum,
• bank guarantees are provided in just 1 day without security and guarantee.

Lending to legal entities will indeed be different with their claims from loans provided to individuals. In the event that you are registered as an individual entrepreneur, you will need to bring the following list of documents:

1. Questionnaire;
2. Passport of a citizen of the Russian Federation,
3. Military ID for men under 27,
4. In the absence of permanent registration, a certificate of temporary registration;
5. Certificate of registration in the Unified State Register for individual entrepreneurs;
6. Certificate from the Federal Tax Service of Russia on tax registration;
7. permission to engage in certain types of activities, certificate of admission to certain works;
8. Documents for the right to use the occupied premises involved in the business;
9. Financial statements as of the last reporting date with a mark from the tax authority on its registration;
10. Documents confirming the payment of tax.

In the event that you attract a guarantor, then he also needs to bring a passport, a certificate of income, a military ID and a certificate of registration with the tax authority, if available.

If you want to know how to get a loan without refusal? Then go through

Today, small business is becoming more and more active in the country. But not everyone has the initial capital.

That is why the only way out in this situation is to take the necessary amount from the bank on credit. The best choice in this case is Sberbank - the conditions for granting credit loans from this bank are quite flexible, there are special offers for small and medium-sized businesses.

Purpose of the bank loan

The most important thing to do before applying for a loan is to decide on its purpose. Sberbank offers a loan program called Business Start.

It provides two ways to start a business:

• lending according to a standard business plan (this requires the approval of the Partner of the Bank or the franchisor);
• registration of a client as an Individual Entrepreneur or the creation of a Limited Liability Company.

Both options have both their pros and cons. In the first case, having spent a bank loan to open a business, the risks are minimal - the probability of payback is quite high. Since a typical business project has already been “run in”, all the nuances are taken into account and calculated to the smallest detail.

Also, a bank loan can be used to open your own enterprise, absolutely unique. This path is somewhat risky, but you do not have to spend a fairly substantial amount of money to buy a franchise of a well-known brand. In this case, it is necessary to draw up a business plan and submit it to the credit commission. Only after she is convinced of its profitability and payback, the loan application can be approved.

Loan programs from Sberbank are distinguished by their diversity. So an individual entrepreneur can take out a loan to purchase vehicles (leasing). There are two programs of this type: "Light" (makes the initial costs minimal), "Standard" (allows you to make the monthly payment as low as possible).

IP requirements and conditions

The conditions for granting an individual entrepreneur loan vary depending on many factors, as well as the program chosen by the businessman. One of the most optimal programs that apply to individual entrepreneurs is "Business Start".

With its help, you can take out loans for doing business on the following conditions:

• provides start-up capital in the amount 80% from the required amount;
• The maximum possible loan amount is 7 million rubles;
• duration of the loan - no more 5 years;
• additional security is not required;
• is provided only for opening a business under a well-known brand (franchise), or according to a standard project (developed by the Bank's Partner).

Regarding the conditions of other banks, Sberbank's loan programs are quite loyal to individual entrepreneurs.

But Sberbank is a rather serious financial structure. Therefore, it seeks to reduce the likelihood of any risks and losses to a minimum. That is why there are certain requirements for IP. And only if they are fulfilled, is it possible to issue a loan secured by real estate or in the presence of a guarantor.

Particular attention is paid to the following points:

• The age of the borrower who is an individual entrepreneur must not be less than 21 years old and no more 60 years at the time of the last payment. Deviations from these rules are possible, each case is considered by the bank in a special order.
• The borrower himself must have in his hands the original certificate of registration of IP.
• A certificate of tax registration is required.
• More 12 months An individual entrepreneur must exist as a small or medium business.
• Successful activities must be carried out at least 6 months. Otherwise, the probability of loan approval tends to 0%.
• It is desirable to have guarantors or liquid assets.

If the borrower meets all the requirements of the bank, then his application is likely to be approved. There are also significant differences in lending conditions, depending on which business model will be chosen by an individual entrepreneur.

If the business model of the franchisor company is chosen, the loan is provided on the following terms:

• the duration of the loan is 42 months;
• interest rate - 18.5% ;
• the amount of the down payment is not more than 20% ;
• payment of the principal debt begins only after the expiration of 6 months;
• the bank does not charge a commission for issuing a loan (which distinguishes Sberbank from other banks);
• the loan is secured by collateral in the form of property acquired as part of the loan, or by the guarantee of an individual;
• property is subject to mandatory insurance.

Sberbank willingly provides loans for opening Harat`s pubs (the business model of Harat`s franchisor).

Lending on the following terms:

• the interest rate is 18.5% ;
• Loan amount may vary from 3 million rubles up to 7 million rubles;
• loan term can be up to 60 months;
• The amount of the down payment must be at least 40% ;
• Delaying the start of repayment of the principal debt is very beneficial - 12 months.

The typical business plan of the Partner's company is less profitable, but also has some advantages.

Provided under the following conditions:

• loan amount varies between from 100 thousand rubles up to 3 million rubles.;
• maximum loan term 42 months;
• The amount of the down payment must be at least 20% from the amount required to open a business;

There are three options for securing a loan:

• the Bank's Partner is responsible for the borrower;
• the loan is secured by the acquired property;
• a natural person is responsible for the borrower.
• the property acting as collateral must be insured.

How to get a loan from Sberbank IP?

To get a loan from Sberbank, you must first contact the nearest branch of the bank. Bank employees will advise a potential borrower, talk about their requirements and conditions of loan programs, and also acquaint them with the list of required documents.

Documentation

First of all, the borrower needs to collect a complete list of documents required for filing an application and processing a loan. You should provide original documents, copies will be made directly at the bank.

To get a loan from Sberbank for an individual entrepreneur, the borrower needs to collect the following package of documents:

• a questionnaire containing all the necessary data;
• passport of a citizen of the Russian Federation (if the borrower is an individual entrepreneur);
• a document confirming the settled relationship between the borrower and the military commissariat to which he is assigned (military ID, registration certificate). The possibility of being called up for military service must be completely excluded;
• a full range of financial documents for individual entrepreneurs.

Quite often, the bank requires some additional package of documents from the guarantor:

• a questionnaire filled with reliable data;
• passport of a citizen of the Russian Federation;
• document confirming temporary registration (if any);
• a military ID or other document confirming the impossibility of conscription for military service;
• certificate of 2NDFL or in the form of a bank confirming income for the last three full months (only if the guarantor is an employee).

The Bank has the right to require the following documents (they are required in some cases):

• a document confirming the approval by the franchisor of the list of assets to be acquired;
• a document confirming the consent of the franchisor to interact with an individual entrepreneur.

These documents are required only in case of organizing a business according to any model provided by the franchisor.

An individual entrepreneur must also provide:

• certificate of registration with the tax authority (issued by the tax service of the Russian Federation);
• if the type of activity of an individual entrepreneur requires a license, it must also be provided in the original;
• original certificate of registration in the state register of IP (EGRIP).

Amount limits

The program from Sberbank called "Business Start" involves a limit on the maximum amount of a loan issued by an individual entrepreneur. It depends on the chosen business model.

There are three programs in total:

1. business model from the franchisor company;
2. business model of Harat`s franchisor company;
3. a typical business plan provided by the Bank's Partner's company.

If an individual entrepreneur has chosen the first option (a business model from a franchisor), then the loan amount may vary within about t 100 thousand rubles. up to 3 million rubles inclusive.

When a borrower wants to open an Irish-style pub (Harat`s Franchisor), the loan amount can range from 3 million rubles up to 7 million rubles.

According to the typical business plan of the Bank's Partner's company, the loan amount is from 100 thousand rubles up to 3 million rubles

Not only the size of the loan amount differs, but also the conditions under which this amount is provided.

Timing

Loan terms vary for different loan programs.

Several factors influence this:

• features of the credit program itself;
• the amount of the amount taken on credit;
• borrower's credit history;
• the purposes for which the loan was taken.

The longest loan term is provided by Sberbank under the Business Start program for opening a Harat`s franchise business - 60 months(which is 5 years). The interest rate is only 18.5%. In addition, the grace period for this franchise is 12 months. The terms provided for other business plans are slightly different.

The maximum loan term for starting a business under the Bank's Partner company program is 42 months.

Moreover, the minimum annual interest rate will be 20%.
If a loan is taken by an individual entrepreneur to open a franchise business of a well-known brand, then the loan period will also be 42 months. But the annual interest is somewhat less - the minimum interest rate for this loan program will be approximately 18.5%.

What are the chances?

In Sberbank, a specialized unit called the credit committee deals with the consideration of loan applications. The package of documents required for consideration is prepared by a loan officer, after which it is transferred to this division of the bank.

The Credit Committee reviews applications manually and takes into account all factors that may affect the success of the business being opened.

Based on the conclusions made, a positive or negative decision is already being made.

The following points influence the decision of the credit committee most of all:

• credit history (if there are debts to Sberbank or other banks, the probability of approval of the application is zero);
• employment of the entrepreneur and the amount of permanent income;
• the presence in the ownership of any real estate or other property, the value of which is large enough;
• the presence of a guarantor;
• credibility of the business project.

Also, in addition to these factors, there are others that are not dependent on the individual entrepreneur. They are the result of processes occurring within the bank itself.

Reasons for refusal to provide a loan for individual entrepreneurs

Sberbank may refuse to lend if the client seems unreliable to the credit commission for any reason. This may be due to the fact that there was not provided a strong enough business case for the liquidity of the business for which the loan is taken to open or expand. That is why you should pay close attention to the presentation of the business plan itself.

It is important to know that Sberbank is somewhat biased towards individual entrepreneurs.

And there are serious reasons for this - gray accounting and many other features that accompany the activities of businessmen. Therefore, if the bank refuses to issue an individual entrepreneur loan, it is worth a try. Since Sberbank is reluctant to issue loans to entrepreneurs reporting on the USNO and UTII.

Bad credit history is also a serious problem if an individual entrepreneur wants to take a loan from Sberbank. The way out of the situation may be the registration of a mortgage, where any valuable property (real estate and others) acts as collateral.

If the bank refuses to issue a loan as an individual entrepreneur, you can apply for a regular consumer loan. The interest rate for it is slightly higher than for a specialized program for business, but the requirements for the borrower are softer, the number of required documents is minimal.