In the article:

Successful opening and development of own business requires not only accumulated own, but also borrowed funds. Banks offer a wide variety of programs, including support for small businesses. One of the effective offers is - loan Business start Sberbank. It involves the issuance of a loan to a novice entrepreneur who is just about to open his own business.

Loan conditions

Sberbank puts forward certain requirements and conditions for the issuance of a loan. According to them, the borrower must be suitable for the listed requirements and conditions.

• Age from 20 to 60 years.
• Availability of own funds for business development from 20% of the requested amount.
• The loan is granted only to persons who are just about to open their own business or to those who have not been engaged in entrepreneurial activity for at least 3 months.

A prerequisite is also to take a free training course on the Sberbank website about the basics of entrepreneurship and pass the test.

Many reviews say that if the client meets the requirements and conditions, he can contact the bank with the necessary documents to complete the application.

Features of issuance in 2018

Credit Business start Sberbank 2018 defines the following conditions for the issuance of cash:

• Loan amount from 100,000 to 3,000,000 rubles;
• The rate is from 17.5%, may change with an increase in the loan term;
• The term for providing funds is up to 3.5 years.

Money according to reviews and conditions are issued in two ways, provided for by the rules of the program:

• Franchising;
• According to the standard business plan of Sberbank.

Loans under the conditions are provided against collateral and surety. The acquired property and assets may act as a guarantee for reviews. The security deposit is subject to compulsory insurance.

Of the documents according to the conditions the borrower needs to submit: a passport, a completed application for a loan, military ID and financial documentation of a legal entity.

Benefits of a Business Startup Loan

According to reviews, the main advantages of lending include:

• There are no commissions for processing and issuing a loan;
• Possibility to postpone loan repayment up to 6 months;
• Comfortable conditions for working on the basis of a franchise;
• Positive feedback on the product - loan Business start Sberbank.

To open your own business, very often, additional cash is required. For help, you can contact the financial organizations that provide loans for business from scratch.

Experts say that such a loan pays off within one year. Therefore, many banks cooperate with novice businessmen. After the economic crisis, conditions for the provision of large loans were tightened, but with a competent approach, you can increase the chances of approving the application.

To increase the chances of obtaining a loan for an individual entrepreneur, it is recommended to competently draw up a business plan, find guarantors or present a liquid collateral in the form of real estate. Having a positive credit history is also an important indicator of a potential borrower.

Where to get a loan for a private entrepreneur (individual entrepreneur) in order to open a business from scratch (for a small business)

Many banking organizations develop special programs for private entrepreneurs who want to start from scratch. In this case, the lender only considers the plans and ideas of the borrower. Thus, financial institutions carry big risks, so the size of the loan for the start is small, and the interest rate is high.

Before contacting the bank, it is necessary to develop a business plan, in which you need to include items with the following information:

• The required amount of funds raised.
• The purpose of using money.
• Estimated profit from entrepreneurial activity.
• How much can be withdrawn from circulation in order to make mandatory payments on the loan.
• Alternative business development solutions.

This document will allow the lender to evaluate the appropriateness of the loan. In addition, when making a decision, the availability of a business plan is taken into account.

Banking organizations offer the following products to businessmen:

• Express loan. Designed for individual entrepreneurs who urgently need additional funds. The decision is made within one hour. The borrower needs to submit a minimum of documentation. It is important to note that such a loan is issued at high interest rates.
• Consumer credit for individual entrepreneurs. In this case, you need to collect the necessary package of documents. Collateral may also be required in the form of a pledge or guarantee.
• Cash loan for businessmen. Some financial institutions open credit lines to start-up entrepreneurs.

It is important to note that not all banks cooperate with novice businessmen. Therefore, you need to carefully study the conditions. Specialists recommend applying for a loan at a financial institution, where to open a current account.

Best loan offers for businessmen in 2017

Sberbank of Russia

A profitable loan for a beginner IP is offered by Sberbank of Russia. The product "Trust" allows you to implement the idea. Business loan conditions:

• The loan is provided for any purpose, without providing liquid collateral.
• With collateral, a loan is issued at a reduced interest rate.
• The base rate is only 16.5%.
• The lending limit is 3,000,000 rubles.
• The maximum loan period is 3 years.

Bank of Moscow

The financial organization has developed a universal loan for the opening and development of entrepreneurial activity.

• The size of the loan is 150,000 - 150,000,000 rubles.
• The lending period is 1-60 months.
• The interest rate is formed individually.
• Collateral is required.
• The decision on the application is taken no more than 5 days.

OTP Bank

The main advantage of OTP Bank is that the application can be filled out on the site, and in a few minutes to find out about the solution.

• The size of the loan is 15,000 - 750,000 rubles.
• The lending period is 12-48 months.
• The rate is 14.9%.
• No collateral required.

Renaissance Credit

A financial institution specializes in providing consumer loans not only to the population, but also to individual entrepreneurs.

• The size of the loan is 30,000 - 500,000 rubles.
• The interest rate is formed individually and may be 15.9-29.1%.
• Lending period: 24-60 months.
• No collateral required.
• For registration, it is enough to present a valid Russian passport and an additional document.

Sovcombank

Lending terms:

• The maximum loan amount may be 400,000 rubles.
• The base rate is 12%.
• An application is filled out online, and a loan is issued at a representative office of a financial organization.
• The maximum loan period is 5 years.
• The decision is made within one hour.

Thus, a novice businessman can pick up an offer on favorable terms.

Loan conditions for an individual entrepreneur in Sberbank. 2017 calculator

Sberbank of Russia offers various products for individual entrepreneurs. One of these programs is the “Business Project”, which allows not only to open a new business, but also to modernize and expand it.

The main advantages of such a long-term loan are:

• Significant amounts of credit.
• A long period.
• If necessary, you can get a respite.
• Consultation of specialists.

Conditions for granting a loan for individual entrepreneurs:

• The lending period is 3-120 months.
• The minimum interest rate is 11.8%.
• The loan is provided only in Russian rubles.
• Minimum availability of own money: 10%.
• Repayment of the main debt can be deferred for one year.
• Amount of the loan: 2 500 000 - 200 000 000 rubles.
• Collateral is required in the form of a liquid collateral or guarantee.
• No additional fees.
• When providing a pledge, property must be insured.

To obtain a loan for starting a business, on the Sberbank website you need to fill out an electronic application form. To eliminate the risk of failure, all information must be reliable.

To calculate the approximate overpayment on the loan and the amount of monthly payments, you need to go to the address: http://www.sberbank.ru/ru/person/credits/money/consumer_unsecured   . Fill in all the fields and click on the "Calculate" button.

It is important to note that the calculator allows you to find approximate numbers. More accurate information must be checked with the bank manager.

Loan without collateral and guarantors at Sberbank. Is it possible to issue and how to do it?

Sberbank of Russia provides an opportunity for beginning entrepreneurs to get a loan without providing a liquid collateral in the form of real estate or vehicles.

To get a loan, go to the section “Small Business” on the financial institution’s website, then select “Loans and guarantees”, where you can click on the “Business Confidence” tariff.

A loan is issued for up to 4 years. The minimum interest rate is 18.5%. The amount of lending can reach 3,000,000 rubles, without charging additional fees.

To obtain a long-term loan, you must perform several steps:

• Fill out an application at a representative office of a banking organization or on the official website.

• Provide a list of required documents (constituent, financial, business documentation).
• Wait for the decision of the creditor.
• If the application is approved, the manager will call the potential borrower to clarify all the nuances of obtaining a loan.

It is important to note that such a program has some limitations, therefore it is not available in all cities of Russia.

If the future client cannot find guarantors and provide a guarantee, then there is another option for obtaining a loan for the development of individual entrepreneurs. To do this, leave a request for a consumer loan.

Lending terms:

• A loan is inappropriate.
• The maximum loan amount may be 1,500,000 rubles.
• The lending period is 3-60 months.
• There are no hidden fees.
• No collateral required.
• The interest rate is formed on an individual basis and may be 14.9-22.9%.

Thus, a novice businessman can take advantage of several offers of a financial organization.

Credit for IE with zero reporting

An individual entrepreneur must submit special reports, even if he does not carry out his core business. Such reporting is considered zero. Is it possible to get approval for a loan in this situation?

Any financial organization, before deciding on an application from an individual entrepreneur, first of all takes account of financial statements. Therefore, they try not to cooperate with businessmen whose reporting is zero. To increase the chances of approval, it is necessary to submit a liquid collateral or to find solvent guarantors.

Primary requirements:

• If the entrepreneur has zero declaration, then the main condition for lending is the implementation of activities for more than 1 year, after passing the registration procedure. If the borrower can document their income, then collateral may not be required.
• Submission of documents: financial statement, registration certificate, zero reporting and others.

However, you need to understand that in this case, banks try to minimize their risks, therefore they provide a small amount at high interest, compared with loans that are issued to companies with existing income.

The “Business Start” loan product allows you to get funds for starting a business under a franchising program or according to a standard business plan developed by Sberbank.

A credit institution has concluded agreements with companies ready to provide a franchise to a novice entrepreneur. For example, the partners of the program are the Sbarro, Stardogs Italian restaurant chain, Subway fast food restaurants, Expedition shops, Lena Lenina's manicure studios, BegemotiK toy store, Baby Club early-development club chain, and Baon clothing stores and Newform, Chistoff Laundromats, etc.

The scheme for obtaining a loan is as follows. A potential borrower goes to the bank and chooses a franchise. He is studying the multimedia course "Fundamentals of Business". Turns to the franchisor for consent to interaction. If the company is ready to cooperate, the borrower draws up a loan application and provides a package of documents to the bank. The deadline for considering the application is three days.

To open your own business is a dream of many people, but money is needed for any business, and saving them for 10-20 years is not an option, you need to implement a business idea here and now. What to do? Well, of course, look for borrowed money, and for this you can take a business loan from scratch in Sberbank or a loan for private entrepreneurs.

Why Sberbank?

In fact, no matter in which bank and from whom to borrow money, the main thing is that they be as cheap as possible. And Sberbank seems to offer more or less acceptable credit conditions. In addition, Sberbank currently has the most working capital, the chance to get a loan from it increases by an order of magnitude.

And, of course, no one has canceled the stereotypical thinking of the population - Sberbank, in the minds of a Russian citizen, is practically a state bank, it is stable and loyal to the implementation of state programs for the development of small business.

Here are just a small business bends from year to year, it would be better if no one helped him! But now is not about that.

So take a business loan from scratch at Sberbank, or at least a loan for private entrepreneurs?

Sberbank has such a loan program - Business Start, which allows young entrepreneurs to get a business loan from scratch.

ATTENTION! FROM 2016, Sberbank cancels Business Start program for young entrepreneurs who want to organize their business from scratch with borrowed funds. The country has a terrible economic crisis. Sberbank no longer believes in small business profitability   and does not believe that at least some business can pull their interest rates! Otherwise, instead of the canceled Business Start program, another program would be offered, but it was not offered. Draw conclusions!

Indeed, this is a good program, although it also has its own “picks”:

• you should not have an active business
• you must invest in a credited business 20% of equity
• borrower age must be before 26 yearsnot older
• and the borrower must undergo training entrepreneurship course
• a business loan from scratch at Sberbank can only be obtained if you submit a business plan and it is approved by Sberbank
• or if you issue a franchise of a well-known brand (thus, you are going through a double stage of selection for the seriousness of your intentions, the first stage at the franchisee, the second at Sberbank)

As you can see, the conditions for lending to a young entrepreneur in Sberbank are not sugar, and not to mention the fact that you need to collect huge bales of documents at each stage of approval of the application, and the process of obtaining a loan lasts for months.

And what do you get by fulfilling all these requirements:

• loan up to 3 million rubles
• loan term up to 3 years
• interest rate from 18.5% per annum, its size depends on the amount of lending, the term and generally on your candidacy

There is one more “BUT” - Sberbank is no longer engaged in lending under the “Business Start” program and in general is no longer engaged in issuing loans for business from scratch.

What is there to do?

Try to get a different type of loan for individual entrepreneurs on conditions different from Business Start!

Other credit programs for entrepreneurs in Sberbank

Express loans

  Sberbank gives express loans to entrepreneurs only on the basis of the provision of real estate collateral, for example, an apartment or commercial real estate. And the purpose of the loan depends entirely on the type of express loan.

Kinds:

• Express Mortgage
• Express loan secured

An express mortgage can be issued for the purchase of residential or non-residential real estate, and an “express loan secured” is issued for any purpose.

Loan terms:

• loan term up to 10 years
• interest rate from 16.5%
• amount up to 7 million rubles
• loan security - real estate
• surety of individuals required
• opportunity for free

Requirements for borrowers:

• age from 23 to 60 years
• business experience of at least 12 months
• business turnover up to 60 million rubles
• a current account is required

Loans for any purpose

A loan for an individual entrepreneur at Sberbank can also be obtained in the form of trust loans:

• credit "Trust"
• credit "Business Trust"
• loan "Business Project"

Lending conditions are very simple:

• minimum loan amount 30,000 rubles
• maximum loan amount up to 3 million rubles
• loan term up to 48 months
• annual interest rate from 18.5%
• no collateral required
• but required
• lending purpose is not required
• it is possible to arrange collateral in the form of a Guarantee, which will reduce the interest rate
• the bank compulsorily evaluates all the entrepreneur's business

Read also

Where to give a loan with bad credit history

Requirements for a loan applicant for a business at Sberbank:

• annual turnover of up to 60 million rubles
• the life of the business is not less than 24 months
• the age of the borrower is from 23 to 60 years (and where to get a loan to a young man at 18, read here)
• registration in the Russian Federation

Documents for a loan for a small business in Sberbank:

• completed loan application, according to the rules and regulations of Sberbank
• russian passport
• military card for men
• TIN, certificate of registration as an IP
• constituent documents
• copies of licenses for the right to conduct business
• lease or ownership of premises involved in the business
• tax statement
• financial statements for the last period of time
• tax reports
• guarantor documents (passport, certificate 2NDFL, TIN)

All these conditions and requirements for non-targeted loans in Sberbank for the development of small business mainly apply to two programs (credit "Trust Standard"   and credit "Business Trust"), but the terms of the Business Project program are somewhat different from them.

Differences:

• individual loan conditions negotiated directly with Sberbank at the stage of decision-making on project financing
• instead of a simple loan, a credit line can be opened or an investment portfolio of up to 200 million rubles can be allocated
• individual loan terms
• opportunity
• reduced interest rate, from 14.5% per annum
• own investments in the borrower's project should start from 10%
• possible collateral must be insured
• company turnover per year should be up to 400 million rubles
• borrower age up to 70 years
• business experience from 12 months

Working capital loans

In Sberbank it is also possible to take a loan to individual entrepreneurs to replenish working capital if your business is growing rapidly, and you do not have enough own funds. Of course, you need to use borrowed money!

Lending programs for loans for entrepreneurs:

• Business Turnover
• Business Overdraft

Lending terms under the Business Turnover program:

• amount up to 3 million rubles, but it all depends on the borrower
• company turnover up to 400 million rubles per year
• business experience from 3 months
• up to 4 years
• interest rate from 14.5%
• either a guarantee of individuals is required, or, or a pledge of inventory items
• the ability to repay the loan ahead of schedule (and how to write an application for early repayment,)

The program "Business Overdraft" involves lending
  Entrepreneurs with active settlement accounts with Sberbank, thus the funds in the accounts are a guarantee of the return of borrowed money.

Lending terms under the Business Overdraft program:

• amount up to 17 million rubles
• up to 12 months
• interest rate from 13% per annum
• commission for opening an overdraft 1.2% of the loan amount
• security in the form of a guarantee of individuals
• no insurance required
• business age at least 12 months

Credits for the purchase of capital goods

  A business loan from scratch at Sberbank can also be obtained in the form of a specialized loan for the purchase of means of production (machine tools, real estate, land, machinery, cars, etc.).

Credits for the purchase of capital goods at Sberbank do not differ in terms from similar loans from other banks, and are somewhat similar to. All the same - you need to collect a bunch of documents, make an initial contribution of 20% or more, and immediately lay the acquired means of production.

Credit programs:

• Business Asset, up to 7 years, the amount of 150 000 p., The rate of 14.5%
• Business Auto, up to 8 years, the amount of 150 000 p., The rate of 14.5%
• Business Real Estate, up to 10 years, the amount of 150 000 p. , rate from 14%
• Business Invest, up to 10 years, the amount of 150 000 p. , rate from 14.4%

Loans for tenderers

  Credits for individual entrepreneurs in Sberbank can also be issued for participation in state and other tenders, because this also requires significant funds, not only to implement the won tender, but also to apply for participation.

Programs:

• Business Contract
• Business Warranty

Conditions and requirements for the Business Contact program:

• an opportunity to get a loan for the implementation of domestic contracts and export contracts
• the opportunity to get a loan up to 80% of the contract amount
• in the form of a loan or in the form of a non-revolving credit line
• the ability to adjust the loan maturity to the schedule of receipt of proceeds from the won tender
• loan term up to 36 months
• rate from 14% per annum
• loan amount from 500,000 rubles to 200 million rubles
• security in the form of a guarantee of individuals, a pledge of property and rights under a contract is required
• commission for servicing loans issued for export projects ranges from 1.5% to 70% of the loan amount
• "Business Contract"   It is issued only to residents of the Russian Federation, with experience in conducting business from 3 months

FROM “Business Guarantees”   from Sberbank everything is a little more complicated - this is not a typical loan, it is a symbiosis of insurance against the occurrence of an insured event. Simply put, if you are fulfilling a contract, but are not sure that your own funds may be enough, you are not sure that a cash gap will not appear, in this case, you can contact Sberbank to insure you with borrowed money if a cash gap appears.

Eugene Malyar

# Business loans

Business loan terms

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

Article navigation

•    Terms for legal entities
•    Requirements for LLC applying for a loan
•    Types of Sberbank loans for entrepreneurs
•    What is known about the Trust loan
•    Credit for business from scratch
•    Business Plan Requirements
•    Development loan
•    What documents are needed to get a development loan?
•    Sberbank business loan calculator
•    How to avoid failure
•    conclusions

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

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

Get 2 million in Tinkoff

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

Terms for legal entities

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

Requirements for LLC applying for a loan

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

An enterprise applying for a loan should already exist for at least six months - this is the established procedure. Startups are by their nature adventurous, and an investor for them will most often have to be sought elsewhere. Existing companies have the opportunity to take advantage of Sberbank lending programs with the following objectives:

• replenishment of working capital;
• financial support for leasing transactions;
• refinancing of other loans (non-past due);

Refinancing

Only a few Russian banks, including Sberbank, are engaged in this type of lending. Refinancing of loans of other financial institutions is carried out in three packages, common to which are requirements to limit annual turnover to 400 million rubles. and the absence of past due debts to third-party lenders.

1. Refinancing of business turnover. This banking product should not be confused with the previously mentioned OBS acquisition lending program of the same name. The similarity of the name is due to the fact that in this case, loans taken for the purchase of working capital are not refunded from Sberbank, but from other banks. The minimum amount is 3 million rubles. at a rate of 14.55%.
2. Business Invest. As the name implies, we are talking about refinancing investments and loans taken to modernize or repair fixed assets. The minimum amount is 3 million rubles. at a rate of 14.48% per annum. The loan is provided for up to ten years.
3. Business Property. The name of the program is also "talking." Sberbank refinances property acquired on credit from other borrowers in the amount of up to 150 thousand rubles. with a maturity of up to ten years at an annual rate of 14.28%.

Corporate Lending

The program is offered to legal entities that have long cooperated with Sberbank and have a good reputation. Corporate lending implies the use of individual preferential rates, which depend, inter alia, on the “experience” of service, although other factors also affect, the most important of which is turnover. It is usually made out without collateral or guarantors.

What is known about the Trust loan

The special loan from Sberbank “Trust” is mainly intended for small businesses (with an annual turnover of up to 60 million rubles), including private entrepreneurs, although medium and large companies can also take advantage of this offer.

The advantages of this banking product are obvious:

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

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

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

Credit for business from scratch

A citizen who has decided to open his own business can overcome the obstacle in the form of lack or lack of initial capital. In Sberbank, the Start-up program allows borrowers to take a loan under a business plan for beginners. To receive financing, it is necessary to fulfill a number of mandatory requirements.

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

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

Business Plan Requirements

As a rule, a borrower seeking to use the Sberbank Business Start program does not have money or liquid assets. The creditor’s desire to secure his investments made virtually without collateral looks clear and logical. The process of compiling a business plan is clearly regulated and involves the following two methods.

Use of a standard design developed by Sberbank

Carrying out the work on drawing up the basis of a business plan for the borrower, Sberbank pursues its interests: it minimizes the risk of default. This shows the commonality of the aspirations of the creditor and the credited party to the success of the business being opened. The adaptation of a typical business plan to regional peculiarities and the vast experience accumulated by Sberbank specialists helps to achieve this goal - they know typical mistakes and the main reasons for the ruin of beginning businessmen.

Starting a franchise business

The opening of an enterprise operating under a well-known brand, most often leads to a regular income for the borrower. Sberbank is interested in the solvency of the client. In addition, the franchisor (franchisor) often acts as a guarantor. He also wishes success to his franchisee (the acquirer of franchise rights), as he receives income from him. An important condition for this option is that the client has some initial capital in the amount of a fifth of the franchise value (Sberbank gives 80% of the required amount).

As collateral, the assets of the enterprise are acquired on the loan issued. It is compulsorily insured during the entire lending period - this also entails additional expenses that should be taken into account. A list of recommended franchises is provided by Sberbank.

Development loan

If the company is already working, and you do not need to start from scratch, you still often need to find additional funds. It’s not very easy to take out a loan for the development of small business at Sberbank: each application is carefully studied, analyzed, and the decision to approve a loan is not always made. The reasons for the refusal may be the following circumstances:

• Customer financial insolvency. If the company does not have liquid assets and during its work has not been able to achieve significant success, then there is little reason to hope for them in the future.
• Bad credit history. If previous loans were serviced problematically, then with such a client it hardly makes sense to deal.

What documents are needed to get a development loan?

The lending process begins with filling out the application form. This happens most often in the nearest branch of Sberbank. Consideration of the questionnaire and verification of the reliability of the information indicated in it lasts about a week. After that, the client is informed of the list of documents and certificates necessary for presenting, including (most often) about guarantors.

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

Documents presented by a probable borrower:

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

The list may be supplemented in each case. Its final version will become known to the borrower only after consideration of the questionnaire. As a rule, conscientious customers do not have problems in providing the required package.

Sberbank business loan calculator

With all the abundance of information on loan conditions, not every potential borrower immediately decides to submit an application. The reasons are various, including psychological. An entrepreneur who wants to take a business loan from scratch at Sberbank may just be afraid of a refusal or believe that he will not “pay off” the payment of accrued interest.

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

• interest rate;
• total amount payable;
• amount of overpayment.

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

This tool is available on the Sberbank website or at the link below. The service is primarily interesting for small businesses. The staff of small enterprises may not have qualified economists or financiers who are able to accurately calculate all of these parameters under given conditions. It is for this reason that the loan calculator for private entrepreneurs is especially valuable.

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

Calculator

How to avoid failure

The difficulties associated with obtaining a targeted loan encourage some individual entrepreneurs to make various tricks in order to get the amount required for the business at any cost. How to get a loan in Sberbank in cash, so as not to be refused?

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

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

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

A certain competition for Sberbank is microfinance organizations, which issue an urgent smart loan for individual entrepreneurs. In 2018, no such proposals were received from the state. The interest on these loans is very high, and the conditions, as a rule, take into account the critically hopeless state of the borrower. It’s more difficult to get a loan at Sberbank, but paying on it is easier.

conclusions

Small and medium-sized businesses Sberbank offers several lending programs on reasonable terms. In this case, each situation corresponds to its own target orientation of the loan:

• For operational replenishment of working capital - the program “Business Turnover” and “Business Trust”.
• For the purchase of equipment, a loan is taken from “Business-Asset”, “Express-Asset” or “Business-Invest”.
• To purchase vehicles, it is best to use the Business-Auto or Express-Auto programs.
• Production facilities, warehouses, offices - "Business Real Estate" (purchase) or "Business Rent" (rent).
• For investment of borrowed funds in engineering, the loan program "Business Project" is best.
• For start-up entrepreneurs, the “Business Start” package is optimal.

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

The interest rate depends on the amount, terms, degree of security and other characteristics. It will be approximately the same, other things being equal. You can preliminarily calculate the rate on a credit calculator publicly available on the Internet.

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