A bank loan to open a business Sberbank. Terms of lending in Sberbank. Documents for a small business loan in Sberbank

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

Terms of lending in Sberbank

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

A potential borrower must meet the minimum requirements, namely:

• the founders have Russian citizenship;
• no losses for the reporting period (quarter, year);
• lack of existing enforcement proceedings, claims of tax authorities;
• term of conducting activities - at least 12 months from the date of registration (for certain products, the period may be reduced to 6 months).

All credit products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is a direction for financing LLCs and individual entrepreneurs with an annual revenue of up to 60 million rubles. It is characterized by a minimum package of documents and fast terms for consideration of the application. The conveyor is a technology for providing borrowed funds to clients with revenues from 60 to 400 million rubles per year. In this direction, a lower interest rate is provided.

The full line of products for individual entrepreneurs, micro- and small businesses can be found on the official website of Sberbank.

Table 1. - Main credit line

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

Best Small Business Loan Bank!

The increase in lending by Sberbank to small businesses in the first six months of 2017 amounted to 6%. The head of Sberbank, German Gref, at a meeting with Russian President Vladimir Putin, confirmed "2017 will be better for banks than the previous one, and Sberbank's share in it will be from 40 to 50%."

Small business loan - lending goals

A corporate loan at Sberbank can be provided for various purposes:

• covering cash gaps;
• modernization of production;
• replenishment of current assets;
• acquisition of commercial real estate;
• purchase of transport and special equipment and others.

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

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

Lending modes

When lending to small and medium-sized businesses in Russia, Sberbank implements various options for providing borrowed funds, which allows each client, depending on the specifics of economic activity, to find the most optimal option.

Sberbank offers the following lending options for small businesses:

1. Credit. Provides for the transfer of the entire loan amount to the current account of an individual entrepreneur or LLC. In this case, interest is charged on the entire loan debt, regardless of whether the client used the borrowed funds or not.
2. Credit line (ON, LCL, framework). ON has an availability period after which money is not provided. After the selection is redeemed, the limit is renewed. With LCL, interest is accrued on the balance of the loan debt, and the unused limit is subject to a fee. Under the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is account financing. Ideal for commercial establishments. Upon receipt of revenue or other transfers to the current account, the overdraft is automatically debited, which allows you to save on interest.

Stages of small business lending

Applicants can apply for a loan directly from the Small Business Sales sector or through the SBBOL system. If, during the call to the client base, the operators identify the need for borrowed funds, they will transfer the information to the lending division of the bank and the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following steps:

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

Good to know! In some cases, the approval of the transaction is carried out through the credit committee. It consists of a client manager, to whom the applicant is assigned, the head of the business sales department, an analyst and underwriters. A positive decision is made by majority vote.

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

Increasing lending to small businesses — Video

Connection to the Sberbank Business Online system (SBBOL)

Sberbank is the largest player actively cooperating with small businesses. Its conditions for credit products are recognized as the best in the domestic market (according to banki.ru). The Bank actively supports existing enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing loans, in comparison with other players, cannot be called minimal, especially for the Loan Conveyor technology.

Smart credit Sberbank — introduction of new lending technologies

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

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

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

Today, one of the most popular banks providing a wide range of financial services is Sberbank of Russia. The Bank serves individuals and legal entities, representatives of small and medium-sized businesses.

At the time of writing this publication, more than 100 million individuals have applied to Sberbank's services. More than one million enterprises and organizations are among the bank's clients. Due to its popularity, as well as the fact that the bank really offers its customers acceptable lending conditions, we found it necessary to study in detail the question of how to get a loan from Sberbank IP in 2019 and familiarize our readers with this.

Loan for individual entrepreneurs in Sberbank: conditions

Individual entrepreneurs can take an unsecured loan from Sberbank under one of the various lending programs. The bank offers several programs for individual entrepreneurs: "Trust", "Business Turnover", "Business Invest" and others. It should be noted that a loan from Sberbank for individual entrepreneurs for business development is especially popular.

An application for an individual entrepreneur loan is usually considered by the bank within three days. In order to receive an unsecured loan, the borrower must be a business owner who has been working for at least three (for trade) or six months (for other business sectors). An application for a loan must be submitted by an individual entrepreneur or business owner.

One of the requirements for a potential borrower is the age, which should not be less than 25 years and should not exceed 60 years. In addition, if the annual profit of an individual entrepreneur leaves about 60 million rubles, then he must be registered in the area where his business activities are conducted. For entrepreneurs whose annual income exceeds the above amount, the requirement regarding the place of residence is not put forward by the bank.

The maximum loan amount for an individual entrepreneur in Sberbank is 3,000,000 rubles. These funds can be transferred to the account of an individual entrepreneur or business owner.

Documents for obtaining an individual entrepreneur loan in Sberbank

First of all, an individual entrepreneur must collect all the necessary documents for obtaining a loan. It should be noted that the original documents are provided, and the bank employee himself makes copies of them.

Thus, an individual entrepreneur who intends to receive a loan from Sberbank must provide the following package of documents:

1. Questionnaire (indicating all the required information about the individual entrepreneur).
2. IP passport.
3. Military ID (registration certificate).

This package of documents is basic, but the bank may require additional documents:

• document confirming temporary registration (if any);
• certificate 2-NDFL (confirmation of income for the last 3 months, if the guarantor is an employee).

In some cases, an individual entrepreneur may need the following documents:

• a document that confirms the franchisor's approval of the list of assets (to be acquired);
• a document that confirms the consent of the franchisor to interact with the individual entrepreneur;
• certificate of registration with the tax authority;
• original license (for licensed activities);
• original EGRIP (Certificate of registration in the state register).

Please note that such a list of documents will be required if you plan to organize a business according to a specific model provided by the franchisor.

Consideration of an application for a loan

Consideration of loan applications for individual entrepreneurs in Sberbank is carried out by the credit committee, a specialized division of the bank. The loan officer prepares a package of documents, which is subsequently transferred to the bank's subdivision.

The Committee reviews the application and takes into account all the factors that may affect the success of the business that is planned to be opened. The most important points that affect the decision of the credit committee regarding the provision of a cash loan to an individual entrepreneur include the following:

1. Credit history of an individual entrepreneur: even if there is a relatively small debt to Sberbank or another bank, the chances of getting a loan approved are significantly reduced.
2. The size of the entrepreneur's income.
3. The presence of an individual entrepreneur in the ownership of property (movable and immovable).
4. Availability of a guarantor.
5. A high-quality business project and a competent business plan.

In addition, when making a decision on an application for a loan for an individual entrepreneur, the credit committee takes into account a number of factors that are beyond the control of the entrepreneur.

Reasons for refusing a loan for an individual entrepreneur

The reason for refusing to lend to individual entrepreneurs may be the unreliability of the client in the eyes of the credit committee. An individual entrepreneur may not provide the bank with a sufficient justification for the liquidity of his business, for the opening (expansion) of which he plans to issue a loan from the bank. Given this, an individual entrepreneur should pay attention to the presentation of a business plan, which must be drawn up competently and thoroughly.

It should be noted that Sberbank is rather biased towards lending to individual entrepreneurs, and therefore it is necessary to provide reliable information to the bank in order to avoid refusal to issue a loan. In addition, it should be noted that Sberbank does not lend too often to individual entrepreneurs who apply such tax regimes as: Single tax on imputed income (UTII) and Simplified taxation system.

If you were denied a loan as an individual entrepreneur, do not be discouraged. Alternatively, you can try to form an LLC. The trust rating of Sberbank in organizations is much higher than in individual entrepreneurs.

As we noted, an entrepreneur's bad credit history can be a reason for refusing to provide a bank loan to open or develop a business. The way out of this situation can be a mortgage, where the property of the borrower (real estate or some other valuable property) acts as collateral.

In case of refusal to issue a loan for opening or developing a business, an individual entrepreneur can apply for a consumer loan. The interest rate on consumer loans is usually higher than on business loans. At the same time, the conditions put forward by the bank to the borrower are less stringent, and a minimum package of documents is required.

Lending programs for IP Sberbank

For convenience, we have collected Sberbank loan programs for individual entrepreneurs in a table.

Many people know individuals, but what are banks ready to offer to entrepreneurs today? Previously, financial institutions were not very loyal to individual entrepreneurs; it was almost impossible to get funds to promote a business. In recent years, the situation has changed a little, banks began to appear special financing programs, from among which every businessman can choose the one that suits him. Today we will talk about Sberbank loans to individual entrepreneurs: conditions, programs, interest rates, and more.

Why Sberbank?

In fact, there is no particular difference in where to take a loan, the main requirement is that it be the most profitable. Sberbank just offers quite affordable conditions. In addition, this bank has a decent amount of working capital, which increases the applicant's chance of getting approved.

And, of course, no one has canceled stereotypes - Sberbank for a Russian citizen is a guarantor of stability and a loyal attitude towards the implementation of government projects for the development of small businesses.

How to get a loan for an individual entrepreneur to open a business in Sberbank, what programs exist?

Sberbank loan programs for individual entrepreneurs

Today, a well-known bank offers a variety of programs, taking into account the preferences of the client and the business area.

Express loans

This loan can be issued only if real estate is provided as collateral, it can be both residential and commercial. The purpose of the loan directly depends on the type of express loan, which is divided into two types:

• Mortgage. Financing is carried out only for the purchase of residential or non-residential real estate.
• Secured loans are issued for various purposes.

A loan for an individual entrepreneur in Sberbank can be issued on the following conditions:

• Loan duration up to 10 years.
• Credit interest rate from 16.5%.
• The maximum amount is 7 million rubles.
• The loan is secured by real estate.
• Physical guarantee. persons are required.
• Early repayment of the loan is allowed.

Requirements for borrowers:

• Age restrictions - 23-60 years.
• At least 12 years of business experience.
• Business turnover up to 60 million rubles.
• Mandatory existence of a checking account.

Loans for any purpose

Sberbank of Russia provides loans to individual entrepreneurs in the form of trust loans for the following projects:

• "Confidence".
• "Business Trust".
• "Business project".

Sberbank loans to individual entrepreneurs are issued on the following terms:

• The minimum loan amount is 30 thousand.
• The maximum is 3 million.
• Loan period - up to 4 years.
• Interest rate - 18.5%.
• Security is not necessary, but by registering it as a guarantee, you can reduce the interest on the loan.
• The guarantee of individuals is one of the main conditions.
• The assessment is carried out in a strict manner by the bank.

Requirements for an individual entrepreneur:

• To receive a loan from Sberbank, an individual entrepreneur should not exceed 60 million rubles of turnover of his enterprise.
• The duration of the organization's activities is at least 2 years.
• Age restrictions - from 23 to 60 years.
• Registration in the Russian Federation.

The above eligibility criteria for small business formation apply only to the Standard and Business Trust programs. The "Business Project" has some features:

• The circumstances of lending are negotiated directly with the financial institution on an individual basis during the decision to issue a loan for a business project.
• In addition to a standard loan, a businessman can apply for opening a credit line or allocating an investment portfolio of up to 200 million.
• The loan period is set on a case-by-case basis.
• Reduced loan rate from 14.5%.
• The borrower's personal funds in the amount of at least 10% must be contributed to the project.
• Mortgage property insurance.
• The annual turnover of the enterprise is up to 400 million rubles.
• Age restrictions - from 23 to 70 years.
• At least a year of business experience.

Loans for working capital financing

Sberbank provides individual entrepreneurs with the right to apply for a loan to replenish the funds used, which is necessary with the rapid growth of the business, when personal funds become insufficient. In this case, of course, you can not do without loans!

The following programs are provided for: "Turnover-Business" and "Overdraft-Business".

"Turnover-Business" is provided on the following terms:

• Depending on the borrower, the loan amount for an individual entrepreneur at Sberbank can reach up to 3 million rubles.
• The annual financial turnover of the company is up to 400 million rubles.
• The term of the contract is up to 4 years.
• Rate - from 14.5%.
• This program requires a guarantee or a pledge of property.
• There is a possibility of early repayment of the debt.

IP lending at Sberbank "Overdraft-Business" is available only for businessmen with active accounts in this institution. The money that is stored on them is a guarantee of loan repayment.

The conditions for this program are as follows:

• The maximum loan amount is 17 million rubles.
• The limit period is 1 year.
• Loan rate - from 13%.
• The amount of commission fees for opening an overdraft is 1.2% of the requested amount.
• Credit security - a guarantee from the physical. faces.
• Insurance is optional.
• The company has been in business for at least 1 year.

Lending for the purchase of capital goods

Sberbank loans to individual entrepreneurs can be obtained in the form of a special loan for the purchase of production assets, such as equipment, land, vehicles, real estate, and more. Requirements under this program practically do not stand out against the background of this kind of loans. To finance the purchase of means of production, it is required to collect an established set of documentation, make an initial payment of 20% and immediately pledge the purchased equipment.

This type of lending includes the following projects:

• "Business Asset", from the amount of 150 thousand, at a rate of 14.50%, for up to 7 years;
• "Business Auto", a loan is issued from 150 thousand, at a rate of 14.50 and is valid for up to 8 years;
• "Business Real Estate" is valid for up to 10 years, from the amount of 150 thousand, with a rate of 14.0%;
• "Business Invest", the minimum amount is 150 thousand, for a period of up to 10 years, the interest rate is from 14.40%.

Loans for participation in tenders

Significant finances are required to submit a request for participation, as well as to implement the won tender. In Sberbank of Russia, individual entrepreneurs can also apply for loans to participate in tenders on a national scale and not only.

Functioning programs:

• "Contract-Business".
• "Guarantee-Business".

Opportunities and conditions of the project "Contract-Business":

• Obtaining financing for the implementation of domestic contracts and for export.
• Receiving up to 80% of the contract amount in the form of a loan or a non-revolving line of credit.
• The loan repayment schedule adjusts to the scheme of profit coming from the won tender.
• Under this program, Sberbank loans are provided to individual entrepreneurs for up to 36 months.
• Credit rate - 14%.
• Amount - from half a million to 200 million.
• Credit security - pledge of property / rights under the contract / guarantee of physical. persons.
• Commission fees for servicing the loan - from 1.5 to 70 percent of the total amount.
• Available only to residents of the Russian Federation.
• Business experience - from 3 months.

Business Guarantee Program

This program from Sberbank is much more complicated - this is not a standard loan, but a symbiosis of insurance against the occurrence of an insured event. In simple words, the entrepreneur is not sure that if he wins the tender, he will have enough of his own funds to fulfill the contract and will not happen. When applying to the bank for a loan, he insures himself with borrowed funds.

In the absence of an insured event, the entrepreneur will only need to pay a commission, and if he has to use borrowed money, then they will need to be returned and interest paid.

Conditions of the "Business Guarantee" program:

• Under this program for Sberbank, individual entrepreneurs are given terms of up to 3 years.
• The minimum amount is 50 thousand rubles.
• Commission fees for the issuance of funds - from 2.5%.
• Interest rate - from 11.5.
• Collateral - a guarantee or property pledge.
• Insurance is optional.

Leasing

You already know that Sberbank provides cash loans to individual entrepreneurs, but in addition, you can apply for a loan for the purchase of capital goods, such as vehicles. This program is called Leasing.

Leasing programs:

• Cars. The loan is issued up to 24 million rubles, the term is from 1 year, the installment is 10%.
• Commercial and freight transport - from 1 year, up to 24 million rubles, 15% contribution.
• Special equipment - from 2 years, up to 24 million rubles, 25% contribution.

Small Business Incentive Program

Sberbank loans to individual entrepreneurs can be issued on the basis of the state program "On Stimulation of Small Business", together with JSC "SME Corporation". In this case, consideration of the application falls on the corporation, Sberbank fulfills its will.

Program conditions:

• Preferential interest rate - 10%.
• The maximum loan amount is 1 billion rubles.
• Loan period - up to 3 years.
• Loan collateral is a guarantee of SME Corporation JSC.
• Other conditions applicable to each borrower individually.

List of documents

In order for Sberbank employees to begin the process of considering an application, it is required to submit a complete package of documents. Only originals need to be submitted to the bank branch, photocopies will be made by employees on the spot. When applying for a Sberbank loan, individual entrepreneurs will need the following documents:

• A questionnaire filled out in accordance with all the rules and regulations of Sberbank.
• Applicant's passport.
• A document from the military commissariat confirming that they have no claims against the borrower (this certificate is necessary in order to exclude any possibility of conscription for the period of the loan agreement).
• Certificate of registration of an individual entrepreneur and TIN.
• A photocopy of the license for the right to carry out activities.
• Lease agreement or certificate of ownership of the premises involved in the business.
• Tax statement.
• Financial statements for the last year.
• Tax reporting confirming the payment of taxes.
• Personal documents of the guarantor (passport, TIN, certificate in the form 2-NDFL).

In some cases, documents confirming the guarantee of franchising may be required.

Consideration of an application for funding

Sberbank has set up a special credit committee that reviews loan applications from individual entrepreneurs. In this case, the credit case is formed by the inspector and only after that it is transferred for analysis to the committee.

In order to increase the chances of a positive decision on issuing a Sberbank loan to individual entrepreneurs, the following conditions must be met:

• Perfect credit history.
• Stable financial position.
• Permanent and official employment of the guarantor.
• The presence of own real estate and other property.
• Reliable guarantor.
• Competitive business plan.

Possible reasons for refusal

Unfortunately, situations when Sberbank decides to refuse lending often happen. There may be several reasons for this:

• An unconvincing business project.
• Insufficient liquidity of a functioning business.

It should be borne in mind that the verification of the solvency of individual entrepreneurs is carried out especially scrupulously, since it is rather difficult to assess the transparency of accounting records.

Having studied the bank's programs, you can understand that there are quite enough opportunities for business development, you just need to choose the right program and meet all the necessary conditions.

Sberbank offers a variety of small business loans.

It is quite difficult for entrepreneurs to develop in Russia, because their business requires no small investments.

Owners of their own business at the start need to invest their finances in creating their own structure, and Sberbank is ready to help in this matter.

You no longer need to worry about what to buy a franchise for, where to get money to open everything from scratch, expand the company and gain a foothold in the market.

Take a small business loan from Sberbank and solve your problems on favorable terms.

It is not for nothing that this bank enjoys such great popularity, because the rates and lending conditions are quite acceptable and affordable even during a crisis.

Types of loans from Sberbank for small businesses

There are two types:

• investment;
• short.

Investment - aimed at construction or reconstruction, modernization, purchase of equipment for business on lease, as well as the modernization of production and the purchase of commercial real estate.

Short-term loans to small businesses from Sberbank are provided for up to a year. They include:

• overdraft;
• to fulfill obligations under government contracts;
• bank guarantees for transactions;
• to replenish the funds needed for turnover.

They issue loans without requiring collateral and insurance. You can issue it without these conditions and at your request.

You or other business owners can act as guarantors, your employees are also entitled to this.

Requirements for a borrower from Sberbank to obtain a loan for a small business

Like any bank, Sberbank is looking for ideal clients, so lending is not available to everyone.

IP Requirements:

• the age of an individual entrepreneur must be from 23 to 60;
• temporary or permanent registration;
• founding a business for a period of half a year.

Requirements for legal entities:

• in order for small businesses from Sberbank to register their business in Russia;
• have revenue for the year not more than 400 million rubles;
• have been in business for at least 2 years.

The experience of a businessman is considered based on the field of activity. For example, in trading, you must last at least 3 months.

As for the seasonal business, it takes more than a year to work. The same can be said about construction companies, the period of work in them should be more than two years.

It is worth considering that Sberbank also has a loan for a business from scratch, so there will be no exit clause.

If you want to hide your earnings, then this bank will immediately refuse you, because you will have to report for every step.

Documents for a small business loan in Sberbank

Going to the bank requires careful preparation, because Sberbank will check all the documentation in order to comply with its status as a reliable bank.

Initially, you should collect several documents with which you need to visit a branch of Sberbank. These include:

• questionnaire;
• statement;
• passport;
• men must present a military ID;
• financial reporting documents.

After reviewing your documents for small business loans, Sberbank will approve or deny the issuance.

If the bank approved the loan, then the following documentation should be prepared:

• IP registration documents;
• license;
• declarations;
• book of income-expenses;
• current account statement;
• statement of no debts;
• property documents;
• contract with contractors.

Programs for small businesses from Sberbank

You can develop your business through the following programs:

1. Express bail;
2. Confidence;
3. Business trust.

Express bail is issued for up to three years, but it can also be repaid ahead of schedule. The loan amount ranges from 300 to 5 million rubles.

Interest depends on the term. The rate can vary from 16 to 23%.

The advantage of this program is that you can not specify the purpose of receiving funds. The main thing is that you own the business for more than a year.

Does not need collateral, but requires bank guarantors for registration.

You can take a loan for a small business from Sberbank up to three million. The rate varies from 19.5 to 26.5%.

The Business Trust loan is offered for up to 4 years, which is an advantage of this program.

The percentage comes from the success of your business and starts at 18%.

Today, few financial institutions show a clear desire to support small businesses, regardless of the region. Mid-level entrepreneurs and ordinary sole proprietors are often in dire need of financial resources. It cannot be said that there are zero banks on the market willing to offer cooperation in Moscow on adequate terms, according to individual programs. Trust is most often provided by Sberbank of Russia, whose management is really ready to support interesting startups at the start. The desire to provide comprehensive support, to promote the development of private initiatives is clearly seen in the abundance of new products. Borrowings can be issued for a year or even more, opening a new business will always resonate with the office staff.

We study lending

As a stakeholder, you should carefully consider all the options offered online. Do you really want to take financial resources on favorable terms? Then listen to good advice:

• decide what exactly you will provide as collateral, if you are planning to start cooperation under other programs, loan conditions will become significantly worse;
• it is necessary to carefully calculate the payback period of the project, try to fill out an online application only after repeated calculations, which it is reasonable to entrust to professionals;
• remember that among the conditions there is a requirement to provide a certain package of documents, otherwise the loan application will not be satisfied;
• in order to easily take a loan for a business, you need to clearly meet certain age standards.

Try to use bail

Each potential client must understand that support for its development is carried out on the basis of the laws of economics. What does this mean in practice? When interviewing you, the manager will try to take into account the full degree of possible risks. Now it is clear why less favorable forms of cooperation are provided for individual entrepreneurs without collateral? You will quite easily, without problems, achieve optimal borrowing from Sberbank of Russia if you provide certain guarantees. In this case, it is much easier to receive substantial sums for business development for a long period of time. Such an online application in Moscow is always considered without excessive formalism.

Special purpose

Pay attention to the fact that a small entrepreneur working in a certain area is ready to be stimulated at the lowest rates. The fact is that this is how targeted, targeted support is provided for those areas of entrepreneurship in the development of which the state is of particular interest. Make sure that small business loans at Sberbank “shine” for those individual entrepreneurs who are engaged in construction, laying communications and energy supply.