Have you decided to get a business loan from scratch at Sberbank, but would you like to read the full credit conditions and customer reviews first? This informational review will help you to find out whether the offer offered by the bank is profitable and how you can get it.

What advantages does the bank offer you:

• Starting capital of up to 80% of the financing of your project inclusive;
• Providing a loan to start your own business from scratch in a large amount of up to 7 million rubles;
• Possibility to draw up a contract for a long period of up to 60 months;
• There is no mandatory requirement for additional security (pledge, guarantors);
• You can choose a business model yourself, i.e. open a business under a well-known brand of a franchisor company or create a typical business pran developed by a partner of Sberbank;
• You will be provided with information support at the start-up phase of the business, and all necessary consultations will be held
• The client gets the opportunity to study the course "Fundamentals of Entrepreneurship" free online.

All this will allow you to really assess your capabilities, find possible risks and reduce them to the minimum value already at the start. Where to start an entrepreneur when starting a business is written in this article.

What the potential borrower needs to do:

• Contact the branch of Sberbank and apply for a loan;
• Study the multimedia course offered by you on the website from the bank;
• Wait for the preliminary approval of the bank;
• Get approval from the franchisor company or the bank partner of your choice;
• Register as an individual entrepreneur or LLC (we talk about this);
• Provide a package of documents, get approval;
• Make a down payment, sign a contract and start your own business.

From loan conditions:

• For a franchisor’s business model or a typical business plan, a partner’s digging rate is 18.5% per annum. The amount from 100 thousand to 3 million rubles., The crediting period is 42 months, the down payment is from 40%. You will be able to get a delay for repayment of the main debt for a period of up to 6 months. The guarantee in the first case will be the pledge of the acquired property or the guarantee of an individual; in the second case, the guarantee of a partner of the bank can be used. The age of the borrower can be from 20 to 60 years inclusive;
• To open a pub according to the model of the Harat’s franchisor, one can claim from 3 to 7 million rubles inclusive. The loan period is 60 months, a deferment may be granted for a period of up to 1 year. Client age - from 27 to 60 years old inclusive.

Mortgaged property is subject to compulsory insurance.  The rating of insurance companies is presented in this article. Of the required documents you need: a Russian passport, military ID or certificate of registration, financial documents of a legal entity or individual entrepreneur.

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

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 correctly 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.

Before starting their own business, each entrepreneur always thinks about whether he will be able to launch a truly successful project, which will allow him to recoup all investments and bring tangible profits. Of course, in order to achieve the set goals, a businessman needs to carefully plan all financial issues, conduct a risk analysis, research the market and the competitive environment, draw up a business plan, and this, in turn, requires certain knowledge, skills, experience and, of course, time from the businessman.

That is why most newcomers (and sometimes experienced businessmen who prefer to go the simpler way) decide to purchase a franchise of a popular company. If the entrepreneur does not have enough of his own funds, or if all the assets are already involved in another business, he may consider franchises from Sberbank. So what are their main features and advantages?

6 years ago, Sberbank launched the famous loan project, widely known in business circles. This product is called "Business Start", and it is thanks to it that many entrepreneurs got the opportunity to try their luck in new areas of business. Despite the lack of start-up capital, most of them were able to acquire franchises of famous brands and begin to develop in the chosen field.

Features of the Business Start program

In fact, the name of this program fully reflects its focus. "Business start" is a loan project that allows entrepreneurs to open their own business with funds taken from the bank. Many may argue that such a program can hardly be called a novelty, since similar projects are presented in many Russian banks. However, Business Start has a significant difference - it involves the provision of a number of additional services.

This program is inextricably linked with franchising and the formation of a working business plan for entrepreneurs. By becoming a member, every citizen of the Russian Federation gets the opportunity to take a loan to invest in a new business or the franchise of one of the networks offering a similar service. Of course, each franchisor provides a new partner with a range of services, starting with an already developed business model and ending with more specific conditions, for example, equipment supply and assistance in business design. If you choose the path of franchising, you can choose any offer on the market.

In addition to lending as such, “Business Start” also involves taking a course in the basics of doing business. After studying the basics of entrepreneurship, the borrower can choose a franchise, register as an Individual Entrepreneur or become the founder of the organization and, finally, draw up all the necessary documents. It should be emphasized that in addition to the application and execution of the IP or LLC, each entrepreneur is obliged to invest a certain amount of his own funds into the project. After all the above procedures, the borrower stipulates the terms of payment with the franchisor and the bank, and can begin the launch of his project.

Terms of obtaining a loan from Sberbank

In general, this program is designed for small or medium-sized businesses. Lending conditions for "budget" projects are as follows:

• Percentage - 18.5% (for both small and medium-sized businesses);
• The total loan amount is from 100 thousand rubles. up to 3 million rubles .;
• The term of the contract is 3.5 years;
• Initial payment - from 40% of the amount;
• Deferral - six months;
• We need a pledge of the acquired property within the framework of the project (insurance is required) and a surety physical. faces.

Sberbank also puts forward a number of requirements in relation to borrowers:

• The entrepreneur was not supposed to do business 3 months before the loan;
• The age of the client should be from 20 to 60 years.

To implement this loan, each person must submit the following documents:

• Application form (can be taken at a branch of Sberbank);
• Passport of a citizen of Russia;
• Military ID or registration certificate;
• Temporary registration (if necessary);
• Documentation of an Individual Entrepreneur or LLC.

What does the borrower get?

After all documents are approved and you officially become a member of the program, you will receive:

• Start-up capital - 80% of the amount required to start the project;
• Credit up to 7 million rubles .;
• Period up to 5 years;
• The ability to choose among a large number of franchisors who are partners of the bank;
• The ability to work under a popular brand;
• The business plan of your project, developed by the bank’s specialists and the franchisor’s team;
• Consulting support both from Sberbank and from the franchisor;
• Free course on the basics of doing business.

All of the above services will help to significantly reduce all risks, as well as minimize the amount of necessary investments.

Franchises credited under the Business Start program

The Bank does not lend to one business area, but prefers to finance various enterprises, namely cafes and restaurants (including fast food restaurants), bakeries, salons, coffee houses, travel agencies, car washes, clothing stores, grocery supermarkets and retail outlets, the Internet - shops, drugstores and kiosks, taxis, etc.

The list of the most popular franchises from Sberbank includes:

• Children's development clubs:
  • Child Development Centers - Baby Club, YaSAM
• Restaurants, cafes, coffee houses and more:
  • Restaurant - East Bazaar
  • Fast Food Restaurants - Dumplings and Dumplings, Sbarro, Stardogs, SUBWAY
• Clothing stores:
  • maternity Shop - Be a Mom, NEWFORM
  • jeans Store - Super Price Jeans
  • lingerie stores - Mademoiselle de Paris, Milabel, Parisian
  • shoe stores - Paolo Conte, Stilini
  • men's Clothing Store - Chancellor
  • clothing store - BAON, SERGINNETTI, TOM TAILOR
  • children's Clothing Store - Orby
• Beauty salons and manicure studios
  • manicure studio - Lena Lenina
  • beauty Salon - PERSONA Image Laboratory
• Other businesses:
  • household goods store - 220 Volts
  • optics Salon - Aircraft
  • mattress salon - Ascona
  • children's Toy Stores - Hippo, Knowledge Island, Kraftholik
  • bicycle Shop - Velodrive
  • equipment and materials for industrial cleaning - Industrial solutions
  • production of borders - Masterboard
  • crossbow beam shooting range - Robin Hood
  • accessories Store - Selena
  • building Materials Store - Level
  • real Estate Agency - HIRSH
  • tea Shop - Tea Room
  • laundry - CleanFF
  • 5D Cinema - Exofilm
  • original gift shop - Expedition
  • auto Parts Repair - ChipsAway
  • car wash without water - ECOWASH MOBILE
  • jewelry store - Jenavi

Sberbank also lends to other companies, but it is the franchises of the above networks that are most popular among entrepreneurs.

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

Can I get a loan from Sberbank for business development without collateral?

Yes, companies and small business owners with an annual revenue of not more than 60 million rubles. Sberbank provides a “Trust” loan, which allows you to obtain the necessary financial support without a collateral in a short time, both for solving current problems and for implementing business development plans. Individual entrepreneurs and small enterprises with annual revenues from 60 to 400 million rubles. can use unsecured loan "Business Trust" for any business purpose.

How fast does a bank decide on a loan for a small business?

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

What are the requirements for collateral for loans for small businesses makes Sberbank?

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

Bank guarantees

Is it easy to get a bank guarantee?

Getting a bank guarantee is quite simple. Especially to enforce government contracts. Individual bankers and small businesses with an annual revenue of not more than 400 million rubles can apply for a bank guarantee from Sberbank. To apply for a bank guarantee, contact the lending unit of Sberbank (territorial bank, branch) and provide the necessary documents.

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

The decision-making process and the issuance of a bank guarantee under state contracts usually takes no more than one business day from the moment a full package of documents is submitted. It may take more time to get a bank guarantee under non-governmental contracts - for example, about 5 working days from the moment a client provides a full package of documents to issue a guarantee without a deposit. If necessary, the provision of a pledge may be extended.

Can I get a bank guarantee under a state contract?

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

Business owners can not only open a current account with Sberbank, but also connect several services that will make managing it easier and more versatile. Many paid and free add-ons are waiting for everyone who wants to take advantage of the offer. All this is available through Sberbank. The management program "Sberbank Start" allows you to use the services in automatic mode.

How it's done?

There is nothing complicated in registering an account. The client only needs to have documents at hand to fill out the application. This will take about 5-10 minutes. To register and receive a number:

1. Select an account type.
2. Enter the data of the organization.
3. Send the application for processing.

Managing your business is convenient and easy!

On the official website of the Credit Organization, you can see the description of the Sberbank Business Start program, select the rate that suits you, and submit an online application for connection to the program.

The account number is generated and sent within 5 minutes, immediately after the application. There are no special requirements. But the client receives many advantages.

Although you can get an account number with Sberbank in 5 minutes, actions on it will be limited for now. After the online discovery, it will already exist. But to get full access to all functions, the client needs to go through verification, that is, confirm all the data specified in the questionnaire with documents. It is impossible to do this via the Internet: Sberbank does not provide such an option. To pass verification, you need to visit the bank branch in person.

Advantages of connecting an account with Sberbank

Sberbank promises special conditions of service to everyone who connects an account for business under the Sberbank Business Start program. Among the many advantages, the following can be distinguished:

• Expensive bonuses for promotion through online advertising.
• Connecting a mobile bank to the phone.
• Using the Internet Bank and new applications and platforms currently being developed by Sberbank. For example, account management through hours is already available today.
• 24-hour customer support via multi-channel telephone.
• All the necessary services for the business, which you can connect or disconnect at will.

Internet banking and mobile banking for business owners are connected for free under the Sberbank Credit Business Start program. There is also no need to pay commissions for payments to the budget, deposit funds to a current account from any source, or receive statements on operations with Sberbank.