Where to get a small business loan. How to get a loan to start a business

The issue of financing small businesses is always quite acute. It is quite difficult for novice entrepreneurs to find start-up capital in order to expand an enterprise, and it will be extremely difficult to get a loan from a bank, because financial institutions do not trust novice businessmen. However, for many aspiring entrepreneurs, the only way to raise funds is to take out a bank loan. In fact, the question is quite complicated, so you should carefully consider whether it is possible to take a loan for a beginner IP from scratch and how to do it.

Problems of lending and start-up entrepreneurs

It is not economically feasible for a lender to partner with start-up entrepreneurs. The main reason for this is the high risk. The problem is that not all start-up entrepreneurs can organize a stable and profitable enterprise. In simple terms, a large percentage of start-up entrepreneurs are forced to close their business as soon as they start working.

Banks are extremely responsible for lending to small and medium-sized businesses, so there are a lot of requirements for potential borrowers. The main one is the conduct of activities for at least one year. At the same time, the bank carefully examines all the documentation, checks the profitability of the enterprise and assesses its risks. Insofar as when organizing a business from scratch, the maximum that a novice entrepreneur can provide is a business plan.

Nevertheless, bank lending has gained mass availability in recent years. And, this means that, with a strong desire, a novice entrepreneur can take a loan from a bank under specialized programs or consumer lending. However, it is worth considering all the options in more detail.

Do not forget that the state encourages entrepreneurial activity in every possible way, therefore it provides an opportunity to receive material assistance in the amount of 60,000 rubles free of charge. To do this, you need to contact the employment center with documents and write an application. It is very important that in order to process funds, you will need a detailed business plan, which will need to be presented as a presentation. After one year, the funds spent must be accounted for.

Offer from Sberbank

It is almost impossible to get a loan for a start-up small business in Sberbank; the bank carefully evaluates all its risks when cooperating with each borrower. The fact is that a novice individual entrepreneur is not a trustworthy borrower in the eyes of the bank. After all, there is no guarantee that his company will be able to stay on the market, which means that the risk of non-payment of the loan is very high.

On the other hand, the bank actively supports young entrepreneurs who have been working for more than one year and have a profit. There is one option on how to get a loan at the initial stage, Sberbank has standard business plans for start-up entrepreneurs, they were developed by bank specialists. If you wish to receive financial support from Sberbank, then you can use one of the standard business plans of the bank, while the borrower must have an initial contribution, lending conditions are individual.

Another way to borrow money from Sberbank is to use a franchise. When buying a franchise, the risks of an entrepreneur are minimized, because experienced businessmen will organize entrepreneurial activities. In fact, a novice entrepreneur buys a ready-made advanced brand and business model.

Please note that the issue of lending to start-up entrepreneurs is strictly individual and depends on many factors, because in addition to assessing the risk associated with entrepreneurial activity, the bank carefully studies the identity of the borrower, his solvency and credit history.

Rosselkhozbank

The difference of this bank lies in the fact that it is completely in the state, that is, the share of state funds in it is 100%. The bank finances entrepreneurs in the agricultural sector, respectively, if you want to open an activity related to this industry, then you may well turn to the assistance of the Russian Agricultural Bank.

As for the offer for individual entrepreneurs, the bank offers several loan programs, including for replenishment of working capital, purchase of equipment and commercial real estate. Is it possible to get a loan for a novice entrepreneur at the planning stage, the question is quite complicated, most likely, the bank will refuse to provide a loan.

VTB 24

This is a fairly large commercial bank that actively cooperates with representatives of small, medium and large businesses. There are several loan offers for entrepreneurs here, but again, the problem is that loans are provided only to existing entrepreneurs who are ready to document the profitability of their enterprise.

Funding Sources for Startup Entrepreneurs

From the foregoing, we can draw a definite conclusion that it is almost impossible to take a loan to organize your own business. The fact is that the bank needs guarantees that the borrowed funds will be returned, and it will receive its profit in the form of interest on the funds issued. Unfortunately, start-up entrepreneurs cannot give such guarantees, therefore, one cannot count on a bank loan.

But, nevertheless, there are several options with which you can start an entrepreneurial activity without having enough funds:

Leasing is one of the forms of leasing machinery and equipment for enterprises. The service is provided not only by banks, but also by manufacturing companies.
A consumer loan in a bank secured by existing housing.

Let's consider both options in more detail. If you want to use the first option, that is, to lease equipment, then, undoubtedly, this will be the most beneficial for you. After all, the terms of the contract are flexible, and the payments under it are quite acceptable. In addition, if you cannot pay off your obligations, then you will not have any debt to the service provider, because you will simply have to return the rented equipment or vehicles, respectively, there are practically no risks here.

Consumer credit as an alternative

So, if a bank does not give a loan for a new individual entrepreneur for the reason that it carries huge risks, it gives a loan to individuals secured by the housing it has. There are a lot of offers in the financial services market. For example, Sberbank provides a consumer loan secured by real estate at an interest rate of 12-9% per year, while small and medium-sized businesses receive loans at an average of 15% per year. To apply for a loan, you must first of all be an individual, but not an individual entrepreneur. More precisely, you can be registered as an individual entrepreneur, but you will have to provide a slightly different package of documents. Therefore, if you want to use a loan program secured by real estate, first apply for a loan, and then you can register as an individual entrepreneur in the tax office.

The only thing to keep in mind is that you bear a high risk of loss, because a novice entrepreneur begins to receive a stable income a few months after the opening of the organization, respectively, before this period, you need to pay the loan in accordance with the payment schedule so that there is no overdue debt. In addition, to obtain a loan, you must provide a salary certificate to confirm solvency.

Please note that in order to increase your chances of obtaining a loan, you can attract co-borrowers or wealthy guarantors.

Loans for existing individual entrepreneurs

It is much easier to take a bank loan if you have already opened your own business and have been working for at least 3 months. Here, banks are ready to provide a loan on various conditions, for example, you can take a loan secured by your commercial real estate. Or there is another option, for example, you opened an account with Sberbank, which means that here you can count on financial support. By the way, Sberbank provides loans to working individual entrepreneurs if their period of activity exceeds 12 months.

A loan can be taken for various purposes, for example, replenishment of working capital, purchase of equipment, real estate, vehicles and other assets. But lending conditions for individual entrepreneurs can also differ significantly. In short, the procedure for applying for a loan for an individual entrepreneur will look like this:

You need to apply to the bank for a loan.
After considering the application, you need to provide reporting documents, that is, those documents that confirm your income.
After evaluating the documents, bank specialists will make a final decision on the amount of the loan and the terms of its service.
The borrowed funds will be transferred to the borrower in the manner specified in the agreement.

Here it is worth paying attention to the fact that the documents confirming the profit of the enterprise. Moreover, you need to provide real documents, because some entrepreneurs evade paying taxes and artificially underestimate their income. Such documents cannot be submitted to the bank, otherwise the loan will be provided.

In fact, if you are planning to open your own business, then you should not do it on credit, because there is a huge risk that you will not be able to pay it off, because the company does not start generating income immediately, and you need to pay according to the contract according to the payment schedule. It follows that you will either give all the profits to pay off the loan, or you will not be able to pay it at all, and if it was secured by personal property, in this option you lose your property.

It is better to issue a loan only when the enterprise begins to generate its own income. Here you have more chances to conscientiously fulfill your credit obligations. The bank agrees to this type of cooperation more willingly, however, in this case, anyway, for sure, a pledge in the form of personal or commercial property will be required.

Here, probably, many potential businessmen are wondering where to get money to start a business. The question, of course, is quite complicated, but it’s worth saying right away that a bank loan is not the best option. There are several other ways, for example, to open a franchise business, here the bank is more likely to agree to finance the project, due to the lack of risks. Another option is to attract private investors, that is, entrepreneurs who are ready to invest part of their own funds in the development of your business only if it seems promising to them.

To summarize, it will be extremely difficult to get loans for start-up individual entrepreneurs. In addition, a business on credit is a rather risky undertaking for both parties, the bank and the borrower. In addition, there are other reasonable options, for example, if you want to do business, but do not have the financial ability, you can get a loan to buy a ready-made enterprise, here cooperation with the bank becomes more realistic.

To open your own business, you cannot do without a good start-up capital - the amount depends on the chosen area. If personal savings are not enough to open a business, you need to apply to a bank for a loan. Let's look at the main nuances of taking a loan and tell you about the most profitable bank offers.

What documents to collect for the bank?

Each banking institution has its own procedure for obtaining loans for both individuals and businesses. However, there is a mandatory list of documents that any bank will require from you.

These include:

An application where you should indicate all your data as a legal entity and loan parameters.
Client's passport.
Organization registration documents.
Certificate of registration of the enterprise with the tax office.
License, if any. For example, for the sale of alcohol, etc.
Be sure to provide a detailed business plan.
Financial statements of the company, if you are already operating.
Bank statement where your current account is located.

If you have a guarantor, he should provide the same documents. Also, the bank may require additional documents if necessary.

How to get a loan to start a small business from scratch?

If you decide to use the assistance provided by banking institutions, you must proceed according to the following scheme:

If the bank approves the transaction, you can proceed to the next step. So, order an expert appraisal of the property. In this case, it is better to contact accredited specialists - such a requirement is set by most banking institutions. When the final decision is made, the specialists set the day of the transaction - at the meeting, the borrower must sign all the documents and papers, including the transfer of collateral.

At the same time, the legislation provides that the loan security should be insured for the entire period of lending - for this, you should contact only verified insurance companies that have accreditation. The bank will transfer the funds either in full or in parts - this should also be provided for in the contract. Most importantly, do not forget to pay off payments on time so as not to receive penalties.

Can you increase your chances of getting a loan?

A bank is a commercial structure, therefore its main task is to make a profit. When issuing a loan, a banking institution must be sure of the solvency of its client. When approving an application, bank employees pay attention to factors such as:

Client's credit history. For example, if you have previously taken loans and you had delays in payments, a loan may be denied.
The value of the mortgaged property. The maximum loan amount is usually about 70% of the amount of the pledge - if the obligations to repay the debt are not fulfilled, the bank may confiscate the property for the value of the debt.
Bank employees also pay attention to the condition of the borrower and the purpose of taking the loan.

Credit in Sberbank - conditions for issuing a loan

Sberbank is one of the most famous banks that issues loans for the development of small businesses. There is also an overdraft, a loan for the purchase of transport and real estate, programs for public procurement, etc. If you need money already “now”, you can apply for a quick express loan, the main advantages of which include:

The main parameters of the transaction include:

The ability to leave real estate owned by the borrower or guarantor as collateral.
The loan is issued only for 36 months.
The interest rate ranges from 18 to 23% - the amount depends on the terms of the loan repayment.

Only those who fully meet all the requirements can take such a loan:

The duration of the activity is at least one year.
The age of the client is from 23 to 60 years.
Annual revenue should not exceed 60 million rubles.
It is necessary to open a bank account at the bank.

Under this loan offer, you cannot receive the entire amount at once - the payment is received on the client's account in installments on a monthly basis.

Also, the final decision on the loan will be made after the full submission of all documents to the bank.

Express loan from VTB 24

The main advantages of applying to this bank include:

The minimum number of documents.
Possibility to use the received funds for any purpose.
The interest rate does not exceed 22.5%.
When issuing a loan, the bank also takes into account the unconfirmed income of the client.
The minimum issuance amount is 500 thousand rubles, the maximum is 4 million rubles.

The loan taken must be repaid within three years. If necessary, you can take out a loan secured by your property. To receive funds, simply fill out a form on the website - if the bank approves it, you can collect documents for and provide to specialists.

Loan from Alfa-Bank - how to get it?

You can get this loan only for such purposes as:

Repair of fixed assets and transport, their modernization.
To repay a loan in another bank.
Other purposes that are related to business and entrepreneurial activities.

The loan can be issued in currencies such as the dollar, euro, Russian rubles or Swiss francs - choose the currency yourself. The loan agreement is concluded for 5 years. If it is tedious to confirm your security, the bank accepts transport, real estate, and commercial equipment as collateral.

In this case, business owners must necessarily act as guarantors. You need to repay the debt monthly in installments in the amount stipulated in the contract. If necessary, you can get an installment plan for six months: these conditions should be discussed separately.

The borrower must meet the following requirements:

Good credit history.
The annual turnover of the enterprise must be at least 780 million rubles.
The period of doing business is not less than a year.
The share of state assets in the authorized capital should not exceed 49%.

In addition, this loan can only be issued to those who are residents of the Russian Federation. To provide the bank, you need to collect such documents as: the charter, registration of the organization, financial statements of the company.

We receive a microcredit from the Russian Agricultural Bank - for what needs are they issued?

If you need funds to run a business, but there is no collateral, you should contact the Russian Agricultural Bank, which offers a convenient Quick Decision program. The main features of the loan are:

Loan amount - no more than 1 million.
There is no need to write a goal.
No deposit required.
Conclusion of a loan agreement - for a year.

At the same time, the loan amount and the interest rate on it are calculated individually for each client - this takes into account both his past credit history and the financial condition of the borrower. Moreover, only individual entrepreneurs or farms can use the program. To cover monthly expenses without delay, you should apply for an overdraft - the debt will be repaid automatically when the money is credited to the current account.

Conclusion on the topic of loans

In our article, we examined the most favorable banking offers for borrowers, however, there are dozens of banks in the Russian Federation that can issue a loan for the development of their business.

It is best to choose credit lines with collateral confirmation, since in such cases the conditions for issuing a loan are much simpler and the interest rate is lower. If you take a loan for a long period, the cost of monthly payments also decreases, but the amount of the loan itself will not decrease, which is important to consider. In addition, the presence of collateral or vehicles that the bank can accept will allow you to increase the credit limit.

Among the shortcomings of secured loan programs, one can consider the duration of the study of the application, a large collection of documents for consideration. In addition, the borrower will have to spend money on the services of a notary and an appraiser to legally confirm their rights to collateral.

But if we take into account the reduced interest rate, then the advantages of such credit programs are simply undeniable.

In contact with

Entrepreneurship interests Russian citizens more and more. People develop their own ideas for successful development. Not everyone has the starting capital for implementation. Lack of own money can negate all the efforts and aspirations of a person. But there is no need to despair in such a situation. Russian banks offer entrepreneurs various types of loans to develop their own business. You just need to figure out where to get a loan to start a business.

The need to use borrowed funds

Small businesses need financial investment. More than 200 billion rubles are needed for the development of this market segment. The presence of financial assets allows you to accelerate the pace of development and production. The positive effect of the use of borrowed money also increases.

Getting a loan from a bank is not the only way to finance. About 150 microfinance organizations operate in Russia. Attracting private investors is another way to get the funds you need. Using your liabilities is the most profitable option, but not always a person has them.

Applying for a bank loan is the safest way to get a loan. This type of financing allows you to receive additional assistance from the state.

The decision not to use credit funds is often inefficient, because the production capacity is not fully utilized.

Factors positively influencing the bank's decision

Entrepreneurs are customers of banks. Any financial institution, when making a decision on issuing a loan, assesses the level of possible risk. If it is too high, then it will not be possible to get money on favorable terms.

To increase their chances of obtaining a loan, the client must ensure that as many of the following requirements are met as possible:

have a clear business plan;
the presence of a permanent income (a businessman can have a main place of work, and consider an individual entrepreneur as a new source of funds);
positive credit history;
no outstanding loans;
permanent registration;
availability of real estate.

There are some nuances depending on the nature of the loan being issued. A person can get a loan to start a business from scratch in the following ways:

Using the status of an individual;
Acting as an IP.

Each of them has its own characteristics, available lending amounts, mechanism of action.

Loan to an individual

This type of lending will not provide the future entrepreneur with a large amount of money. But if a few hundred or million rubles are enough to open your business, then this option will be the most preferable. You can borrow money in one of the following ways:

Arranging an express loan. Money is issued to the client within a day. Sometimes the application is considered less than an hour. The downside of this loan is the high interest rate. However, a minimum of paperwork is required for registration. Usually this is a passport and another identity document.
Guaranteed loan. The lower interest rates are due to the presence of collateral. In case of insolvency of the borrower, the guarantor pays the funds for it. The difficulty lies in finding a person who is ready to vouch for the future businessman.
Loan secured by real estate. Only those who own an apartment, house or other object will be able to get it. Interest rates on this type of loan are usually the most favorable.

The five most profitable loan offers for individuals

If a small amount is enough for a person, then he can pay attention to the following offers, formed in ascending order of the interest rate:

Bank's name	Interest rate (%)	Loan amount (rubles)	Loan term (years)	Availability of collateral	Additional terms
Eastern Express Bank		300 000 - 15 000 000		Guarantee of natural persons or pledge of real estate	Availability of work (experience at the current place of 3 months), salary level from 30,000 rubles, no need to confirm income
		50 000 - 300 000		Not required	Submission of income statement (2-NDFL or 3-NDFL)
Absolut Bank		500 000 - 15 000 000		Real estate pledge	The presence of a permanent job (continuous experience of six months), total experience of 1 year, proof of income
Loco Bank		300 000 - 5 000 000		Pledge of a foreign car or other security	Total work experience of 3 years, registration in the region of the bank, continuous work experience at the current place of work of 4 months, no income verification required
Promsvyazbank		1 000 000 - 10 000 000		Suretyship or collateral	Total work experience from 1 year, work experience at the current place of work for at least 4 months, registration in the region of application, mandatory proof of income

These are just a few of the available lending options for individuals. You need to make a selection based on your own capabilities.

Loan to an individual entrepreneur

There are also targeted loans for starting a small business from scratch. Getting them is somewhat more difficult than regular consumer loans. Banks are reluctant to use this type of lending due to the increased risk. After all, an entrepreneur who is just starting his own business has an unstable financial situation, it is not known whether he will be solvent throughout the entire debt repayment period.

Some banks, on the contrary, go towards entrepreneurs and offer them favorable loan terms. To obtain this type of loan, you will need to collect the following package of documents, not counting typical papers like a passport:

credit history statement;
extract from the Unified State Register of Legal Entities (if the entrepreneur is already registered);
finished business plan.

The more money you need, the more serious the requirements for a potential borrower will be. You will not be able to get funds quickly when applying for such a loan. The bank will carefully study the business plan. It must reflect the planned financial indicators, information about suppliers, distribution channels, and the activities of the enterprise. The final decision will largely depend on the clarity and integrity of the business plan.

You can increase the likelihood of obtaining a loan by using a franchise to open a business. To do this, you must first find a franchisor or consider the bank's offers, if any (Sberbank, for example, issues most individual entrepreneur loans under a franchise).

Defending your business project, you need to convey information confidently, in an accessible and understandable way. If the idea is really worthwhile, then the bank will certainly approve the application.

Three profitable target loans for business

Based on the level of the interest rate, the following options can be considered the most advantageous offers:

Bank's name	Purpose of the loan	Interest rate (%)	Loan amount (rubles)	Loan terms	Availability of collateral	Requirements
Bank Uralsib	Purchase of equipment		300 000 - 170 000 000	6 months - 5 years	Purchased equipment, guarantee	Sole proprietorship or legal entity, availability of a business plan
UniCredit Bank	Purchase of commercial real estate, vehicles, equipment		500 000 - 47 000 000			Individual entrepreneur or legal entity, age from 21 to 65 years, positive clinical trial, no debts
Center-Invest	Starting your own business		50 000 - 3 000 000	1 month - 3 years	Pledge of property or guarantee of individuals	Small or medium-sized businesses, availability of a business plan

These are just a few of the many loan options available. Depending on the goals, you can choose a narrowly focused loan.

You can apply to government support agencies for additional funding. But here you need to be prepared for the fact that the requirements for the entrepreneur will be very high. You will need to collect a lot of documents, draw up a business plan, and inform about costs.

Creating your own business is a long-term and labor-intensive process that requires significant efforts and financial investments. Not always a novice entrepreneur has the necessary amount of start-up capital, which puts him in a difficult position. Russian legislation takes this fact into account - and offers to get a profitable loan for individual entrepreneurs to develop small businesses from scratch.

Assistance of this kind is beneficial in that state lending is systemic and interest-free, does not involve collateral, and includes a number of additional financial and legal benefits. A significant number of business entities seek to obtain it.

It should be noted that in the Russian Federation there is a detailed program of state assistance to small and medium-sized businesses, which includes such items as:

interest-free lending;
leasing;
system of compensatory state. payments and assistance on fulfilled loan obligations;
compensation of the financial amount spent on the purchase of industrial equipment and other means of production.

Lending to small businesses is not the only popular method of effective economic assistance to individual entrepreneurs, but one of the most popular ways to compensate for financial shortfalls. The possibility of not providing collateral when applying for a loan is very appealing to young entrepreneurs at the beginning of their economic activity. It is very important for individual entrepreneurs to feel state assistance in difficult economic conditions at the beginning of their activities and opening an enterprise, without collateral and additional financial payments.

State lending to individual entrepreneurs: registration mechanism

A small business loan from scratch is an effective mechanism for regulating the development of individual entrepreneurship, which is one of the fundamental cells of the system of modern economic relations. The absence of the required collateral when starting a business often attracts young promising entrepreneurs who are ready to develop and implement new technologies and promising developments. Often it is these projects that require government assistance.

One of the most effective conditions for helping to open and further develop a small business under the existing credit system is the absence of collateral.

The state assumes a full range of obligations related to guaranteeing the credit obligations of the debt subject. It should be noted that not all banks are willing to make such a compromise, especially when it comes to fairly large financial amounts. Moreover, even a successful start does not always guarantee the profitability and creditworthiness of the enterprise in the future. Therefore, in order to receive a loan for opening, an individual entrepreneur must have a basic amount of starting capital.

New business is always a risk, and banks are not ready to pay for it. Therefore, IP in the Russian Federation is actively supported by the state - and the results did not fail to affect. Small business is gradually but surely turning into a significant segment of the domestic and foreign markets.

If you are planning to open your own business and wish to receive state support, first you should make sure that the system of state funding and assistance to individual entrepreneurs operates in the region of your registration, and also applies to your chosen field of activity.

It should be understood that not every novice entrepreneur is entitled to financial support from the state - but only to those economic entities that can really prove their viability and development prospects as an individual entrepreneur.

One of the important steps in the procedure for obtaining assistance when starting your business and obtaining state loans for individual entrepreneurs is the preparation of a clear business plan, which will display the following points:

goals and objectives of creating a new IP;
the necessary minimum financial resources needed to open a business;
the amount of costs associated with the acquisition of the necessary equipment and arrangement of working premises;
expected payback periods.

In addition, an individual entrepreneur must clearly outline the features of the start, the nature of future activities and justify the chosen path of economic development, as well as his desire to take out a loan.

To take part in the state program. lending to small businesses and get state. loan, you must first pass a competitive selection.

The first stage of this competition is a detailed review of the business plan proposed by the IP. For a successful start and opening of a new business, an entrepreneur must clearly identify all the stages of development of the future enterprise, and form the expected risks and benefits. To get a state loan, the individual entrepreneur must convince the state that the proposed idea is effective and promising in terms of economic development.

IP, in order to get the state. a loan for the development of their business without additional overpayments and collateral, undertakes to provide timely and complete reporting on the nature of the use and volumes of naturalization of the funds received. The objectivity and completeness of the information received is checked by state authorities. fiscal control.

If the verification of the provided data was successful, and the subject successfully passed the competitive test, he gets access to a preferential lending system, which implies a complete absence of collateral and an interest-free loan. Such conditions attract many young entrepreneurs who want to get a loan and establish a successful development of their business.

Other methods of state support for small businesses

Lending is not a universal panacea for stimulating the development of small businesses.

In order to get a satisfactory result in his entrepreneurial activity, the IE is forced to look for innovative ways and methods for implementing business ideas and projects. In an equal degree and state. bodies are interested in the effective development and expansion of forms of private entrepreneurship.

Many banks are beginning to think about reducing or even potentially eliminating collateral for customers who want to take out a loan with the further direction of funds for small business development.

State. small business support also involves such forms of work with individual entrepreneurs as:

holding competitions for various grants;
conducting training seminars, conferences, trainings for individual entrepreneurs;
material assistance without making direct financial payments.

For example, the state can contribute to the rent of municipal space at a reduced rate. An entrepreneur can also get a number of additional benefits without getting cash on hand. In particular, this concerns cooperation with banks.

Preferential conditions for small businesses: features of obtaining a bank loan

Lending centers that provide state support for small businesses often become guarantors in obtaining loans for individual entrepreneurs. Banks tend to trust the state system for securing loans, therefore they are more willing to issue loans without collateral if the state directly acts as a guarantor.

The lack of collateral in this case is compensated by increased credit obligations.

To facilitate the successful start of as many young entrepreneurs as possible, a special National Wealth Fund was even established in the Russian Federation. The Foundation started its activities in 2014. From this fund, banks included in the pool can annually receive a fairly impressive amount, which allows them to provide minimum rates for credit loans for individual entrepreneurs, without requiring collateral and overpayments. Thus, in order to ensure a successful start and receive a loan for the development of the enterprise, the entity must simply prove its readiness to work in full for the domestic economy.

Starting a new enterprise requires careful preparation and a certain financial reserve.

The state is ready to provide the novice entrepreneur with the necessary support - but in response, the individual entrepreneur also assumes certain obligations. In particular, the main indicators of the level of economic efficiency of activity and the successful start of a new enterprise are two main indicators: the number of jobs created and the level of taxes paid annually. If these figures are characterized by positive dynamics, then the start of this business has justified itself, and the entrepreneur begins to create a successful credit history.

No related entries found.

Are you planning to start your own business and don't have enough money to do so? Then you will need information on how to get small business loans from scratch.

Dear readers! The article talks about typical ways to solve legal issues, but each case is individual. If you want to know how solve exactly your problem- contact a consultant:

APPLICATIONS AND CALLS ARE ACCEPTED 24/7 and 7 days a week.

It's fast and IS FREE!

We will determine what rules are applicable in 2019, which loan program to choose, what certificates to collect, etc. It is not easy to get a loan to start or promote a small business.

Banking institutions are reluctant to cooperate with individual entrepreneurs and private individuals who are going to open their own business.

After all, the bank does not have a guarantee that the funds received by the borrowers will be returned, because there is a great risk that the business will fail. Great if there is collateral.

But what about aspiring entrepreneurs? Is there a chance to get a loan? Consider which scheme should be followed.

What you need to know

A small business is a commercial enterprise in which there are no more than 100 employees in the staff, and the revenue for the year does not exceed 400 million rubles.

Such companies have the right to enjoy a special taxation regime and keep simplified accounting.

Consumer lending for LLCs and individual entrepreneurs is a promising and profitable area in banks. But they are not willing to give them to entrepreneurs.

Basic moments

How can you open a company without money? There are several options. You can apply to government agencies to receive a subsidy if a person is registered as an individual entrepreneur or is the founder of an LLC, and has citizenship of the Russian Federation.

The subsidy is provided for 2 years after the person registers with the tax authority.

We are talking about co-financing, in which funds are issued as assistance. The subsidy is targeted and its amount is a maximum of 500 thousand rubles.

The Federal Employment Service may provide funds. The subsidy is non-refundable. But in order to receive it, certain conditions must be met.

Another channel for helping small businesses is the Guarantee Fund. By contacting such an institution, a person will receive not a sum of money, but guarantees that the loan will be returned if the entrepreneur cannot stand in the market.

They adhere to such a scheme - a citizen goes to the bank, and he, in turn, applies to the guarantee fund and receives approval for.

What exactly is meant

If there is no start-up capital, novice businessmen will have a hard time. In the absence of assets, the business does not develop, it is not possible to implement ideas.

And there are citizens who are ready to borrow money and take risks if they have an action plan and a development strategy.

As practice shows, in Russia only 10% of companies pay off, if they do not burn out in the first year of operation.

That is why banking organizations are reluctant to issue loans to small businesses, so as not to finance projects that have an uncertain future.

Normative base

State support for small businesses is provided in accordance with what was adopted by the authorities on 07/24/2007. It lists available benefits from banks, business schools, investment enterprises.

How to get a loan to start a small business from scratch

Let us consider in detail what are the rules for obtaining a loan for the development of small businesses from scratch.

Mandatory conditions

Sometimes banks are ready to meet an individual entrepreneur or individual if a number of conditions are met:

have a detailed business plan;
opened a bank account;
there is collateral;
provided a certificate of;
the citizen's credit history is clean and there are no outstanding loans;
the person does not have;
no for tax, .

The main requirement is that the borrower must be solvent. In the absence of profit, do not expect the bank to give money.

The conditions for obtaining a loan for a small business are more stringent than when obtaining. So, if you want to get a small amount, get a regular loan.

Banks will definitely ask what the borrower's marital status is, whether he has a landline phone, permanent registration, what expenses a person has, etc.

Employees of a financial institution will try to collect as much data as possible about a citizen in order to understand who they are dealing with.

Detailed business plan

The first thing that will be required of you is to prepare for a meeting with a bank specialist. To do this, you need to draw up a business plan.

Consider:

what amount do you need;
where the funds received will be spent;
what kind of financing should be - parts, full amount;
what kind of profit do you plan to make when doing business;
whether your income will be constant;
how much and during what period it will be possible to withdraw from the business in order to repay the debt on the loan;
what will be the result of earnings, if you take into account the costs;
Is there an alternative business development option.

Write down all the answers to such questions in a business plan. This way you can get a clear picture of whether lending is worthwhile. Such a plan is also required when contacting a bank.

If a competent and detailed one is not drawn up, justify and calculate what the costs will be.

This document can be presented on several dozen pages. In the bank, it is desirable to show a compressed version, which consists of 5-10 pages.

Do not be surprised if the bank considers that your business plan is unprofitable or unpromising, and refuses to issue funds.

Consider what simple explanations you can give about the stages of development of an activity. You can meet with the head of the bank if you are ready to explain the business development strategy.

Collateral or guarantor

There are financial institutions that issue express loans to citizens without collateral and security. But in this case, the percentage will be high.

The credit agency will provide funds even if the person is not registered, and. But his work is not always legal. Documentation is often forged.

And you can have serious problems because of this. Better if there is. It will become a reliable guarantee for the bank that the funds will be returned.

A loan that has collateral is beneficial to the banking organization, as well as to the borrower himself. In this case, the rate will be lower, the terms will be longer, and the requirements for documents are not so strict.

The pledge can be:

liquid real estate (apartment, land, etc.);
vehicles;
equipment;
stock;
other assets that are liquid.

It’s great if a citizen has not only property that can be collateral, but also a guarantor in the person of a citizen or legal entity.

The guarantor can be a city or regional center of entrepreneurship, a business incubator and another structure that helps a novice businessman.

Net credit history

Banks check the credit history of each borrower. It is important to:

previously received loans to be successfully closed;
there were no penalties for late payments;
not opened a new loan.

It takes time to fix your credit history. It is best to issue several loans in a row at the MFI and close them, based on the conditions of the company.

Full package of documents

Going to the bank, you should have as many documents as possible if you hope for a loan approval. Documentation properly.

It is desirable that there are ready-made licenses and other permits for conducting activities.
What kind of certificates will be needed, it is worth checking with the bank.

There is a standard list that includes:

businessman's legal documentation;
identification;
EGRIP record sheet;
if there's, ;
certificate of income in the form of 2-NDFL;
military ID if the businessman is a man;
pension certificate;
sample letter from a franchisor who will cooperate with an individual entrepreneur.

Mandatory financial documents are:

a sample tax return, if it has already been submitted to the Federal Tax Service;
agreements that were concluded with the supplier, buyer, customer;
sample letter of guarantee;
title documents for property used in activities;
agreement;
business plan (specify which sections it should have).

When making a deposit:

title documentation for the object, which is issued as a pledge;
if the property belongs to another citizen, then his passport is required;
questionnaire;
an application, the form of which can be taken from a banking institution.

All copies that are provided to a financial institution must be certified by signatures and seals. Although a bank specialist can also certify such documents after verifying the data with the originals.

Registration procedure

Before you take out a loan, decide on the amount you need. It is advisable to consult a professional financial analyst who will help calculate all costs.

Find guarantors and consider whether you can provide collateral. Since you cannot do without a checking account, it is also worth opening it right away.

Then you can start preparing a business plan, defining a franchise. If you have already prepared for going to the bank, follow these instructions:

Fill out the form, indicating the basic data and the desire to receive a loan to open a small business.
Choose a loan program ("Business Start").
Register with the tax office as an entrepreneur.
Gather the necessary information.
Apply now.
Provide funds to the banking organization to pay off the down payment (or pledge expensive property).
Get a loan and start your business.

Sometimes there are a number of additional requirements. For example, a franchisor-partner of a bank may require an analysis of the market (the area in which a novice businessman plans to work).

If licenses are needed, they should also be obtained before applying for a loan.

Bank and program selection

Loan programs are many. The main thing is to decide which one suits you best.
Find out what the bank with which you are already cooperating offers.

The bank will offer favorable conditions to the salary client and the citizen who has opened deposits and current accounts.

You must select a financial institution that has branches in different regions.
It is important to pay attention:

on indicators of an independent rating of the institution;
for the duration of the bank (it is desirable that it opened more than 5 years ago);
financial reports that are published on the portal of the institution;
reviews of other individual entrepreneurs who have already applied to this bank;
whether there are concessional loans with government support.

Be sure to check if the owner is changing and if the organization's assets are being transferred to another bank.

Otherwise, you will have to bother with clarifying the changed details. It is better to choose several banks and submit applications for receiving money in each of them.

If more than one bank makes a positive decision, you will have the opportunity to choose the one that will offer more favorable conditions.

Common lending programs are:

Consumer loans, which can be obtained by having a steady income and providing several documents.
A loan for opening an IP, which can be obtained by buying a franchise.
An express loan provided to businessmen without collateral in a couple of hours, but at a high rate.
Buying a property that is under collateral.
Commercial view, which can be issued by representatives of small businesses.
Replenishment of funds for turnover.
An overdraft provided in the event that funds do not arrive on current accounts on time.
Factoring, which implies debt obligations of the partner to the creditor bank.
Refinancing.

Features of lending to entrepreneurs:

The bank will issue a loan at a higher percentage than an ordinary citizen.
Typically, the debt must be repaid within no more than 5 years.
The amount of the down payment and the guarantees of the guarantors play an important role.
You will have to insure life, health, collateral.
Cash is rarely issued. Funds are usually transferred to the settlement accounts of businessmen.

Consider, using the example of Sberbank, how it issues loans to small businesses. This institution independently developed the business model of a hairdresser, confectionery, bakery, etc.

Video: is it worth taking a loan for a business

Funds can be issued to individual entrepreneurs, LLCs or individuals if they have not been conducting business activities for the last 3 months.

The loan is provided to start-up businessmen aged 20 to 60 years. Money is issued in rubles for a period of up to 3.5 years. It is important that the individual entrepreneur contributes 20% of the funding amount.

The rate is 17.5 - 18.5%. It is allowed to take a deferral of, but only for a period that does not exceed six months.

The borrower needs to repay the debt on the loan every month using annuity payments.

Sberbank issues loans according to the following scheme:

The borrower goes to the institution and chooses a franchise.
The Borrower must have completed the Business Fundamentals course.
Next, you should get the consent of the franchisor to cooperate.
It is issued, certificates are transferred to the bank.
The bank considers the application within 3 days and announces the result.

Preparation of documents

So, you have decided on the bank. Now it's time to collect as many references as possible. Once again, we indicate what documents are needed:

civil document;
a certificate confirming the registration of an individual entrepreneur or legal entity;
sample extract from the Unified State Register of Legal Entities;
a document that confirms registration with the tax service;
license, permission;
certificates of property that is issued as a pledge;
sample business plan;
Form 2-NDFL.

A bank specialist may also request other information, for example, a list of property that was purchased for doing business, a lease agreement for premises, etc.

Filing an application

Most banks can accept applications online. To do this, fill out the questionnaire and send it for consideration.

You should write as much information as possible, and be sure to be reliable, as an employee of a financial institution will carefully check it.

You should not hide important data - that you were previously declared bankrupt, that you have a loan T.

The bank will not take risks by issuing a loan to a citizen who tries to take it by fraud. In addition, such persons may be blacklisted.

Most loans are issued if a novice businessman can pay an initial fee, which will be up to 30% of the amount received. Convince an employee of a banking organization that you have such funds.

Conclusion of an agreement

Making a loan agreement is a serious step. The financial situation of your company will depend on such a document. It is not serious to pay for a document that has not been reread.

Therefore, it is worth considering the following advice. Carefully study the contract, and even better, entrust it to a specialist in a law firm who knows all the features of business lending.

Important to see:

what is the final interest rate set;
what payment schedule should be followed (whether it will be convenient for you);
How are fines calculated?
what conditions to follow in case of early repayment of the debt;
what are the obligations and rights of each party.

Review the collateral agreement if the loan is issued with a guarantee. You should find out what rights you will have as the owner of the property.

If any item does not suit you, demand to correct it or remove it altogether. There is no model and formal banking agreement.

Each document is drawn up taking into account the individual conditions and circumstances of the transaction. If the contract is read and satisfied by both parties, it is signed. The only thing left to do is to get money into a bank account and open your own business.

What if the individual entrepreneur does not have collateral and additional profit? It is worth contacting the Center for Entrepreneurship and taking advantage of the preferential state lending program from the state.

So there will be a guarantor who can even repay part of the debt. All costs will be reimbursed by government agencies.

So, a loan for an individual entrepreneur to start a business from scratch is an opportunity for a businessman to launch a promising project if he does not have his own money.

And if you doubt your abilities and think that such loans are not for you, look at successful entrepreneurs who started their business after receiving a loan. At the moment, some of them have a billion-dollar profit.

Attention!

Due to frequent changes in legislation, information sometimes becomes outdated faster than we can update it on the site.
All cases are very individual and depend on many factors. Basic information does not guarantee the solution of your specific problems.