Sberbank business small business loan calculator. Loan for SP at Sberbank. Best Small Business Lending Bank

Evgeny Malyar

Bsadsensedinamick

# Loans for business

Lending conditions for entrepreneurs

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

Navigating the article

• Conditions for legal entities
• Requirements for an LLC applying for a loan
• Types of Sberbank loans for entrepreneurs
• What is known about the "Trust" loan
• Business loan from scratch
• Business plan requirements
• Development loan
• What documents are needed to obtain a development loan
• Loan calculator for business under the terms of Sberbank
• How to avoid rejection
• conclusions

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

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

Get 2 million at Tinkoff

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

Conditions for legal entities

Firms representing small and medium-sized businesses can be formalized as limited liability companies or private enterprises. Each business structure 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 under the guarantee of third parties.

Requirements for an LLC applying for a loan

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

An enterprise applying for a loan must already exist for at least six months - this is established order... Startups are by nature adventurous, and most often they will have to look for an investor elsewhere. Existing firms have the opportunity to take advantage of Sberbank's lending programs for the following purposes:

• replenishment of working capital;
• financial support for leasing transactions;
• refinancing of other loans (not past due);

Refinancing

Only a few Russian banks are engaged in this type of lending, including Sberbank. Refinancing loans to others financial institutions produced in three packages, common to which are requirements for limiting the annual turnover to 400 million rubles. and the absence of overdue debt obligations to third-party creditors.

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 refinanced not 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 for the modernization or repair of 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 Real Estate. The name of the program is also "talking". Sberbank refinances real estate purchased on credit from other borrowers for 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 been cooperating with Sberbank for a long time and have a good reputation. Corporate lending implies the use of individual preferential rates, which depend, among other things, on the “length of service”, although other factors also affect, the most important of which is turnover. It is usually issued without collateral and guarantors.

What is known about the "Trust" loan

Sberbank's special loan "Doverie" is primarily intended for small businesses (with an annual turnover of up to 60 million rubles), including individual entrepreneurs, although this offer can also be used by medium and large firms.

The merits of this banking product obvious:

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

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

Another non-earmarked loan from Sberbank is called Express. Borrowing of funds is carried out only against 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%.

Business loan from scratch

A citizen who decides to open his own business can overcome the obstacle in the form of a lack or lack of initial capital. In Sberbank, the Business Start program allows starting entrepreneurs to take out a loan against a business plan. To receive funding, you must 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 full information about what the funds received by him will be spent on, and subsequently strictly follow the approved plan. Loan conditions for opening a small business under the Business Start program:

1. The maturity date is up to 42 months.
2. The minimum loan amount is 100 thousand rubles, the maximum is 3 million rubles.
3. The type of repayment is annuity, that is, in equal installments.
4. The size of 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 property. It is clear and logical that the lender's desire to secure his investments, which are actually made without collateral, looks clear. The process of drawing up a business plan is clearly regulated and involves the following two methods.

Using a standard sample developed by Sberbank

Performing work on drawing up the basis of a business plan for the borrower, Sberbank pursues its own interests: it minimizes the risk of non-repayment. This reveals the commonality of the aspirations of the lender and the credited party for the success of the business being opened. The achievement of this goal is facilitated by the adaptation of a standard business plan to regional characteristics and the rich experience accumulated by Sberbank specialists - they know typical mistakes and the main reasons for the ruin of aspiring businessmen.

Starting a business based on franchising

Opening a company operating under a well-known brand often results in the borrower receiving regular income. Sberbank is interested in the client's solvency. In addition, the franchisee (franchisor) often acts as a guarantor. He also wishes success to his franchisee (the acquirer of the franchise right), 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 cost of the franchise (Sberbank issues 80% of the required amount).

As collateral are the assets of the enterprise, acquired for the issued loan. It is in mandatory is insured throughout the entire loan period - this also entails additional costs that should be taken into account. The list of recommended franchises is provided by Sberbank.

Development loan

If the company is already operating and there is no need to start from scratch, there is still a need to find additional funds. It is not very easy to take out a loan for the development of a small business at Sberbank: each application is carefully studied, analyzed, and the decision to approve a loan is not always made. The reasons for refusal may be the following circumstances:

• Financial insolvency of the client. If an enterprise does not have liquid assets and has not been able to achieve significant success during its work, then there are also few reasons to hope for them in the future.
• Bad. If previous loans were serviced in a problematic manner, it hardly makes sense to deal with such a client.

What documents are needed to obtain a development loan

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

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

Documents to be presented by the probable borrower:

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

The list can be supplemented in each specific case. Its final version will become known to the borrower only after reviewing the questionnaire. As a rule, bona fide customers have no problems providing the required package.

Loan calculator for business under the terms of Sberbank

With all the abundance of information about lending conditions, not every potential borrower immediately decides to apply. There are various reasons, including psychological ones. An entrepreneur who wants to take out a loan for a business from scratch in Sberbank may simply be afraid of a refusal or believe that he will not "pull" the payment of the accrued interest.

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

• interest rate;
• the total amount to be paid;
• overpayment amount.

The result can be obtained in the form of a table with a loan repayment schedule with detailed information about the dates of payments, the amount of outstanding debt, etc.

This tool is available on the Sberbank website or at the link below. The service is primarily of interest to small businesses. In the state of small enterprises, there may not be qualified economists or financiers who can accurately calculate all the specified parameters for given conditions... It is for this reason that the loan calculator for individual entrepreneurs is especially valuable.

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

Calculator

How to avoid rejection

The difficulties associated with obtaining a targeted loan induce some individual entrepreneurs to go for various tricks in order to get the amount required for the business at any cost. How to take out a loan from Sberbank in cash so that you will not be denied?

To begin with, you should know that opening an account with a borrowing bank primarily contributes to success. If financial activities the entrepreneur is completely controlled, there is more trust 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 his business is doing better than before. Other loans are issued according to the same rules, for example, consumer credit, which is issued online or at a branch.

Almost all questions are removed if there is reliable property security or a guarantee of the guarantor.

A certain competition for Sberbank is represented by microfinance organizations that issue an urgent smart loan for individual entrepreneurs. No such proposals have been received from the state in 2018. Interest on these loans is very high, and the conditions, as a rule, take into account the critical hopelessness of the borrower. It is more difficult to get a loan in Sberbank, but it is easier to pay on it.

conclusions

For small and medium-sized businesses, Sberbank offers several lending programs on acceptable terms. In this case, each situation has its own targeting loan:

• For quick replenishment of working capital - the programs "Business-Turnover" and "Business-Trust".
• For the purchase of equipment, a loan is taken from "Business-Active", "Express-Active" or "Business-Invest".
• To purchase vehicles, it is best to use the Business Auto or Express Auto programs.
• Production areas, warehouses, offices - "Business Real Estate" (purchase) or "Business Rent" (rent).
• For investments of borrowed funds in engineering developments best fit credit program"Business project".
• The “Business Start” package is optimal for beginner entrepreneurs.

Sberbank is in the TOP-3 credit institutions RF, actively supporting small and medium-sized businesses. A variety of programs, the ability to get borrowed funds for a minimum package of documents, affordable rates are conducive to long-term cooperation.

Lending conditions at Sberbank

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

The potential borrower must meet the minimum requirements, namely:

• Availability Russian citizenship from the founders;
• no losses for reporting period(quarter, year);
• lack of active enforcement proceedings, claims of tax authorities;
• the term of the activity - at least 12 months from the date of registration (for some products, it is possible to reduce the term to 6 months).

All loan products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is the direction of financing LLC 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 of 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 terms that allow borrowers to obtain borrowed money on non-market terms. The program is valid when drawing up a loan for an amount of 5 million rubles or more. When deciding on setting the interest rate, the depth of the relationship with the bank is taken into account (the number of available products: 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 Lending Bank!

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

Small business loan - lending purposes

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

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

The bank is wary of startups, so it will not be possible to take a business loan for the development of an enterprise in it. However, the lender loyally finances the opening of new directions by operating 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 direction. The borrower must report to the lender on the appropriateness of spending the money received within the time frame established by the contract. 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.

For small businesses, Sberbank offers the following lending modes:

1. Credit. Provides for the transfer of the entire loan amount to the settlement account of an individual entrepreneur or LLC. In this case, interest is charged on all loan debt, regardless of whether the client has used the borrowed funds or not.
2. Credit line (ON, NKL, frame). ON has an availability period after which no money is provided. After the selection is redeemed, the limit is renewed. In the case of NKL, interest is charged on the balance of the outstanding loan, and the unused limit is subject to a fee. With the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is the financing of the current account. Ideal for retail businesses. Upon receipt of proceeds or other transfers to the current account, the overdraft is automatically debited, which allows you to save on interest.

Small business lending stages

Applicants can apply for a loan directly in the small business sales sector or through the SBBOL system. If, in the course of calling the customer base, the operators identify the need for borrowed funds, then they will transfer the information to the lending department of the bank and to the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following stages:

1. Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
2. Collection of documents. The Credit Factory technology requires a minimum package of documents (registration documents, financial statements for the reporting period with a receipt for its acceptance by the Federal Tax Service Inspectorate, SRO (if necessary), license (for licensed activities), decision maker passport). Conveyor technology provides for extended the financial analysis activity of the applicant, so the list of documents is expanding.
3. Analysis of the information provided, structuring the transaction. Analysts, together with representatives of security, the bailout service check legal purity transactions and calculate the borrower's rating. For "factory" products, a full analysis is carried out by the client manager.
4. Providing information on the transaction to the underwriting service. Experts assess 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. Conclusion of a contract. Loan agreement subscribes at the bank office. If the transaction amount exceeds 5 million rubles, a security service specialist must be present at the conclusion of the contractual relationship.

Good to know! In some cases, the approval of the transaction is done 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 taken by a majority vote.

1. Money transfer. For useless products, money is credited to the current account after the application is processed by the BEC 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 terms on loan products are recognized as the best on the domestic market (according to banki.ru). The bank actively supports operating enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing borrowings, in comparison with other players, cannot be called minimal, especially for the "Credit conveyor" technology.

Smart loan 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 lending program for businesses. So what is Smart Loan? Within the framework of this program, a client who has a movement of funds in a bank account may be pre-approved a loan. The size, rate and terms of the loan are calculated based on analysis of the 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 who highly appreciated its quality.

Some of the bank's indicators 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, loan portfolio- 15.554. bln, liabilities to the population - 11.429 bln.

The Business Start loan product allows you to receive funds to open a business under a franchise program or a standard business plan developed by Sberbank.

The credit organization has concluded agreements with companies that are ready to provide a beginner entrepreneur with a franchise. For example, the program partners are the network Italian restaurants Sbarro, Stardogs, restaurants fast service Subway, Expedition stores, Lena Lenina's manicure studios, BegemotiK toy store, Baby Club chain of early development clubs, Baon and Newform clothing stores, Chistoff self-service laundries, etc.

The scheme for obtaining a loan is as follows. A potential borrower contacts a bank and chooses a franchise. Studying the multimedia course "Business Fundamentals". Turns to the franchisor for consent to interaction. If the company is ready to cooperate, then the borrower draws up an application for a loan and provides a package of documents to the bank. The term for consideration of the application is three days.

A loan for business from Sberbank is becoming an increasingly popular tool that allows you to get funds to solve the set tasks. For the convenience of entrepreneurs, several major lending programs have been developed that have attractive conditions. This allows you to choose the most favorable option, focusing on existing needs and opportunities. You must carefully read all the options presented.

Loan programs and conditions

A special line of proposals is designed for individual entrepreneurs and enterprises that must meet certain requirements.

Inappropriate loans

Confidence

The loan is available to individual entrepreneurs, small and medium-sized businesses. The peculiarity of this product is that the program allows you to get cash to solve the assigned tasks in the shortest possible time. No collateral is required to apply for a loan.

Business Trust

This offer provides enhanced opportunities for individual entrepreneurs and legal entities. Depending on the field of activity of the enterprise or individual entrepreneur, there are the following opportunities for obtaining funds:

1. No collateral. Additional confirmation is not required intended use... This product is provided primarily to borrowers who are part of the limited Macro business segment and are involved in transportation services.
2. With collateral. To obtain, a simplified analysis of the economic activity of the enterprise is involved. Confirmation of spending credit funds has a simple procedure that eliminates many bureaucratic delays.

For the types of loans presented, a guarantor is required, therefore, an individual assessment of the existing conditions is required.

Bail express

The loan is relevant for individual entrepreneurs and small businesses that have an annual revenue of up to 60 mln. rubles. Such a proposal allows the business to receive funds for development according to a simplified scheme. As collateral is considered real estate or equipment. One of the advantages of this proposal is that there is no need to confirm the intended use of the funds received.

Replenishment of working capital

This line includes loans to small businesses for operating expenses and the implementation of business plans.

Business Contract

This is a special offer for individual entrepreneurs and companies-residents of the Russian Federation, which allows you to receive funds in the implementation of the concluded state, export and domestic contracts. Depending on the conditions, the loan makes it possible to attract up to 70-80% of total amount existing contract. In addition, this proposal makes it possible to refinance previously assumed obligations to other banks. The main advantage is that the repayment of the principal amount of the debt is calculated taking into account the receipt of payment from the customer.

Business Turnover

The offer is designed for individual entrepreneurs and small businesses with annual revenues of up to 400 million rubles. You can take out a loan for the implementation of various business tasks. This list includes:

• Replenishment of inventory.
• Purchase of raw materials or semi-finished products required for uninterrupted production.
• Implementation of running costs.
• Formation of a guarantee deposit when participating in tenders on a special trading platform of Sberbank.
• The funds received can be used to repay loans to other banks.

A wide range of provided opportunities allows you to organize a full-fledged work of the enterprise, as well as to solve many other financial problems.

Express Overdraft

With an insufficient amount of working capital on the current account, it is this proposal that ensures the execution of urgent payments. The loan is limited to a single interest rate. To obtain a loan, you will not need to provide collateral. Loan activities can be performed through the online business Internet banking system.

Business Overdraft

The loan is available for individual entrepreneurs and small businesses with annual revenues of up to 400 million rubles. This proposal is directly linked to the accounts of entrepreneurs opened with Sberbank. To calculate the amount provided, an analysis of current assets on accounts in different financial and credit institutions is carried out.

Purchase of transport, equipment, real estate

A special line of programs is designed for direct business development.

Business project

The offer represents a wide range of prospects for individual entrepreneurs and companies-residents of the Russian Federation - from starting a business from scratch to expanding and modernizing existing production. Significant amounts of financing, a long lending period, the possibility of a deferral for a certain stage(investment) project development ensure the implementation of many business plans.

Express Mortgage

This loan is provided for enterprises with various organizational and legal forms with the aim of acquiring residential and commercial real estate. The main advantages of the program are a small package of documents and no additional collateral.

Business-Asset

The offer is suitable for individual entrepreneurs, peasant farms and legal entities that have an annual revenue of up to 400 million rubles. The funds received should be directed to the active development of economic activities, including the purchase of new or used equipment. The advantage of the program is that commissioning can be included in the requested amount.

Business Auto

The program is aimed at direct business development. Entrepreneurs are given the opportunity to use borrowed funds to purchase light or commercial vehicles, special equipment and trailers. The offer can also be used to purchase the necessary components and pay for insurance for the first year.

Business Real Estate

Sberbank of Russia provides financing that can be used to purchase commercial real estate. Extended conditions ensure the acquisition of not only finished, but also under construction objects. In addition, within the framework of this offer, the repayment of loans that were received from other companies and banks is available.

Business Invest

The loan is suitable for early expansion and development. The requested funds can be used for the construction, renovation or purchase of a facility under construction that will be used for business development. An opportunity is provided to refinance existing debts.

How to apply for a loan online

To obtain a loan, it is necessary to take into account the requirements that Sberbank makes in the framework of each program. This will allow you to immediately identify the most relevant and affordable offers related to the business being carried out.

You can apply as follows:

1. It is necessary to choose the main purpose of the loan. This can be the opening of a new direction, the development of an existing company, receiving cash to pay current expenses, and so on. The required amount and term are calculated.
2. Based on the analysis carried out, a suitable line of credit programs is selected.
3. An application is formed through or an online platform and the requested documents are uploaded.
4. After sending, you need to wait for a response from the bank.

Step-by-step instructions in pictures:

Such a simplified procedure does not take much time if you correctly study all the requirements, comply with the conditions and prepare all the documents.

Government-supported lending incentive program

To implement this program PJSC Sberbank has accreditation from JSC Corporation "SME". As part of the implemented development strategy, the government is issuing soft loans for small and medium-sized businesses in 2018.

You can get funds for core activities, modernization of production facilities, development of new directions. The program also works if you need to top up working capital various industries associated with the following activities:

• agriculture;
• processing and processing of agricultural and food products;
• distribution and production of basic communal resources;
• communication;
• construction and transport.

The possible loan amount varies from 10 million to 1 billion rubles. The interest rate fluctuates depending on the business entity. Small businesses have access to an interest rate of 10.6%, and a medium-sized one - 9.6%, with a term of preferential loans of up to three years. The immediate period of the loan itself and the required collateral depend on the selected conditions.

To obtain a loan, you must have an operating profitable business in the territory of the Russian Federation, the term of which is at least 3 months - for trade, at least 6 months - for other types of 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 annual revenues of no more than RUB 60 million. Sberbank provides a loan "Trust", which allows you to get the necessary financial support both for solving current problems and for implementing plans for business development. Individual entrepreneurs and small businesses with annual revenues from 60 to 400 million rubles. can use the Business-Trust unsecured loan for any business purpose.

How quickly does a bank make a decision to grant a loan for a small business?

For express loans for small businesses ("Trust", "Express-Mortgage"), the decision on credit application the bank accepts within 3 working days from the date of submission of the full package of documents. For others credit products The term for consideration of an application for a loan 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 is Sberbank?

In Sberbank you can get as unsecured loans"Trust" and "Business Trust" for small business for any purpose, and targeted loans with different kinds provision. For example, for a loan for the purchase of vehicles and equipment Business-Asset, the purchased transport or equipment acts as collateral, for the loan for Express-Mortgage - the acquired real estate, and for the loan for Business Real Estate - the acquired or owned real estate. An additional requirement for collateral for these loans is a surety of an individual or legal entity.

Bank guarantees

Is it easy to get a bank guarantee?

It is quite easy to obtain a bank guarantee. Especially for enforcement government contracts... A bank guarantee from Sberbank can be issued individual entrepreneurs and small businesses with annual revenues of no more than 400 million rubles. To issue a bank guarantee, contact the lending department of Sberbank (regional bank, branch) and provide the necessary documents.

How long does it take to issue a bank guarantee?

The process of making a decision and issuing a bank guarantee for government contracts, as a rule, takes no more than one working day from the date of submission of a complete package of documents. It may take more time to obtain a bank guarantee under non-government contracts - for example, about 5 working days from the moment the client submits a full package of documents for issuing a guarantee without collateral. If it is necessary to provide a deposit, the term may be increased.

Can I get a bank guarantee against a government contract?

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