Sberbank loans to small businesses per year. Sberbank - lending to small businesses: conditions, requirements, loan amount. Borrower requirements

Small business loans at Sberbank are becoming more and more popular and in demand. Since the beginning of this year, loan terms have become even more attractive, and interest rates on loans to small businesses and micro businesses have been reduced.

What does Sberbank offer?

During the crisis, many companies began to pay more attention to lending, as it is not highly subject to fluctuations in the economy. Sberbank has been actively lending to such enterprises for several years, for Last year loan portfolio amounted to over 800 billion rubles.

A special line of programs is designed to meet the needs of individual entrepreneurs and small businesses with revenues of no more than 400 million per year. For legal entities, there are many special offers on opening a current account in just 15 minutes and processing services.

The availability of lending significantly influenced the increased interest of entrepreneurs in the bank and an increase in the client base. financial institution. The importance has a term , during which you are engaged in entrepreneurship, why do you need a loan, how are you going to give it back.

Top-up programs working capital

1. The Business Turnover program is issued in the amount of 150 thousand rubles for a period of up to 4 years (rate - from 11%). allows:

• Buy raw materials, semi-finished products for production
• Carry out running costs
• Replenish stocks of goods
• Pay off debts to banks, etc.

2. "Business-Overdraft" program for replenishment of working capital (payment of payment documents, requests, orders). It is issued for a period of up to 1 year. Here, documentary evidence of the purpose of the loan is obligatory, i.e. where the received money will go.

You can carry out current expenses, develop a business, receive funds for the implementation of a state order.

• The rate is assigned individually, its minimum value equal to 12% per year.
• The amount is not less than 150 thousand rubles, the maximum it will be 17 million rubles.
• There is no collateral for this product, but surety of the main business owners and legal entities associated with the borrower is required.

3. "Express-Overdraft" - this offer allows you to receive funds for urgent payments. The amount is within 2 million, the percentage is 14.5% per year, the repayment period is up to 12 months.

Inappropriate loans

The range of programs for any purpose includes the following offers:

1. "Business Project" - here the goal is to develop an existing business, start activities in a new industry, or modernize existing production. Rate from 11% for amounts from 2.5 million to 600 million rubles. and a maximum repayment period of up to 120 months,
2. “Express on bail” - you can receive from 300 thousand to 5 million rubles on the security of real estate or equipment. The percentage varies from 15.5 to 19% per year, the term of the contract is from 3 to 36 months.
3. "The trust". Available to individual entrepreneurs, business owners and small businesses with revenues of no more than 60 million per year and conducting business for more than 24 months. Rate - from 15.5%, period - up to 3 years, amount - up to 3 million. If collateral is provided, the rate may be reduced by 1.5-1.7 percentage points.
4. "Business Trust". Available to companies-residents of the Russian Federation with revenues not exceeding 400 million per year. It is issued for a period of up to 48 months at a rate of 12%. The maximum amount is 3 million. There are no fees for early repayment and issuance, a surety is required.

Loans for the purchase of vehicles, real estate and equipment go a separate category... Interest, amount and period of crediting will depend on the purpose of crediting, leasing is possible.

• "Express mortgage" - allows you to quickly purchase residential and commercial real estate. The rate is from 13.9% per annum, the amount is up to 7 million rubles, the debt must be repaid within up to 120 months,
• "Business-Active" - ​​thanks to this offer you can buy all the necessary equipment that you need to run your business. Will be issued from 150 thousand for a maximum of 7 years, while the percentage will start from 11%,
• "Business Real Estate" - here you can buy only commercial space. Percentage of 11%, issue at least 150,000 rubles, period - 10 years,
• "Business-Invest" - give out money in the amount of 150 thousand for the purpose of acquiring property, building, carrying out repairs, as well as paying off current debts to other companies. Percentage - from 11% per year.

Bank guarantee- a new proposal, which today is the most effective and popular way to ensure the fulfillment of obligations for a major transaction.

• rate from 2.66% - this is a fee for providing a guarantee,
• amount - at least 50,000 rubles,
• term - 3 years,
• minimum package of documents,
• registration in just 1 day,
• without collateral.

There are also programs for starting your own business, for decisive start-up entrepreneurs. You can read more about them here. Refinancing of loans for legal entities is carried out at a rate of 11.8% per annum, the maximum repayment period Money is 120 months.

Use our advanced calculator with the ability to build a payment schedule and calculate early repayment you can on this page.

Peculiarities

Please note that almost each of the programs proposed above implies the presence of additional security as a guarantor of the borrower's fulfillment of their obligations. As it can be used.

Sberbank is in the TOP-3 credit institutions of the Russian Federation that actively support 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 countries. 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:

• the founders have Russian citizenship;
• 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 for drawing up a loan for an amount of 5 million rubles or more. When deciding to establish interest rate the depth of relations 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 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 designed 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 outstanding loans, 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 NCC, 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 client base, the operators identify the need for borrowed funds, then they will transfer the information to the lending department of the bank and 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 an extended the financial analysis activity of the applicant, therefore 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 is provided on the application.
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 credit products recognized as the best in 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 completed 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 (leader in Russia), capital volume (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.

Of all loans, the hardest to get is a loan to start and promote a small business. Individual entrepreneurs (hereinafter referred to as IP) and private individuals running their own business are included in the category of clients whom banks least trust. It is really difficult to get a loan for the development of a small business from scratch. And this situation is explained quite simply. If, when taking a mortgage for an apartment, you need to convince the bank that you have a stable average income, which will definitely not disappear in the next eight years, then with a small business everything is much more complicated. Here, after all, the guarantee of the return of the money to the bank is the potential profitability, profitability, reliability, survival of this business in a shaky Russian economy... The only additional guarantee is a pledge of some valuable property of the borrower.

Even in developed countries(USA, Western Europe) for the next small business project, economists give a maximum of 20%. This is the likelihood that the business will survive and not burn out. And in the Russian Federation this indicator is 2-3 times less for a whole range of reasons. So banks are not eager to give money to people who later, very possibly, will become bankrupt. However, certain schemes of interaction with credit institutions for novice businessmen there. We will consider them.

Step-by-step instructions for obtaining a business loan from scratch

As an example, it is worth studying the proposals from the main and largest bank of the Russian Federation in the civil market. We are talking about Sberbank. He works with all types of business clients - individual entrepreneur, private entrepreneur (private entrepreneur), CJSC, LLC. However, before going to the bank, you should prepare in advance on three main points, without which it is almost impossible to get a loan to start a business from scratch.

1. Business plan preparation. An aspiring entrepreneur must create his own plan, project. This is the beginning of any business. By the way, regardless of the level (small, medium, large). A businessman or businesswoman determines the main tactical (short-term) and strategic (long-term) directions of the future firm's development. A quantitative (technological, production) and qualitative (complication of the structure of the enterprise, advanced training of workers) analysis is carried out. The volume of production, the ratio of potential costs and profits are calculated, the conjuncture of the market sector in which the business will operate is analyzed. The staff is also analyzed. The business plan shows investors whether to invest in a given business. And the bank as well.
2. Definition of a franchise. If a future individual entrepreneur comes to the bank and says that he wants to open his own independent enterprise, which will be called so, he will most likely be denied a loan. A franchise is a brand, it is a kind of licensing, it is a certain model of doing some kind of business. For example, the McDonald's chain is a franchise. Or Coca-Cola. Or Microsoft. But such franchises are worth billions, since the business under their auspices guarantees the corresponding profit. A novice individual entrepreneur has to choose from a list of much more affordable options. Moreover, it is desirable that the franchise companies are associated partners of the bank where the client is going to take a loan. At Sberbank, these are Harat's and a number of other companies selling relatively inexpensive franchises.
3. And, of course, you should not go to the bank, as they say, "naked", without the possibility of collateral. Of course, it happens that a future individual entrepreneur has nothing in his heart, except for a business plan and a desire to start working as soon as possible. But as already mentioned, financial institutions are extremely cautious in lending money to small businesses. It is great when a client has some kind of real estate or other valuable property (a car of a middle price category, for example). Then you can register this property as collateral. The institution will know that in the event of a business failure, all or most of the money issued will return back through the implementation collateral client. Those who have nothing will have to at least find funds for a down payment, which is high within the framework of business lending (almost always at least 30%).

So the preparation is complete. We go to Sberbank. Here the procedure is as follows:

1. Filling out a questionnaire, where, in addition to basic information, a desire is expressed for a small business from scratch.
2. Choosing a credit program. You must choose a special program "Business Start".
3. Registration in tax office as an individual entrepreneur.
4. Collection of all necessary documentation. Here you will need not only a standard set of an individual (passport, TIN, income statement 2-NDFL, military ID for men under the age of 27, pension certificate), but also additional documents related to business lending (business plan, certificate of individual entrepreneur or other form of organization, letter from the franchisor about cooperation, certificate of ownership of some valuable property that can be used for collateral).
5. Submitting a direct application for a loan for the creation and development of a small business.
6. Providing the bank with funds to pay off the initial payment (or pledging expensive property).
7. Getting the money you want and starting your own business.

Of course, some abnormal situations and additional requirements may arise. Thus, a franchise company that is a partner of a bank may require additional detailed analysis the sector of the market in which the client is going to work. If the future business requires additional licenses, they must be obtained before the loan is issued. For example, if a person is going to sell alcohol, hunting and traumatic weapons. Therefore, only general, standard instructions are presented here. The conditions under which Sberbank issues loans for small businesses are medium and quite acceptable against the background of offers from other banks:

• annual interest - 18.5% (in other institutions this mark can go up to 25%);
• minimum an initial fee- 20%, but it is better to agree to 30% (in other institutions it can go up to 50%);
• if a client has acquired a franchise from Harat’s, then he can be given up to 7 million rubles. In other cases - up to 3 million rubles. The minimum loan is 100 thousand rubles;
• the loan is issued for a period of up to 5 years (for users of the business model from Harat's) or up to 3.5 years (for all others);
• the permissible delay in monthly payments for Harat's clients is one year, and for all others - six months.

Borrower requirements

Here it is worth considering not the minimum, but the maximum requirements. Those in which the chance of getting a loan rises to 90%. Sberbank's requests are standard. Any other bank will put forward similar conditions for novice businessmen:

• clearly structured, voluminous and maximally informative business plan;
• certificate of income in the form of 2-NDFL;
• possession of some valuable property suitable for collateral;
• having an account with another bank, owning shares and others securities(extract from the bank, from the register of shareholders). This is an analogue of a collateral;
• good credit history(availability of any other loans repaid on time). At the same time, the presence of an outstanding loan, which is paid by the client, is not a plus, because this is an additional financial burden;
• the presence of co-borrowers (business partners) or guarantors who have proven their financial solvency to the bank;
• the client not only has a permanent residence permit, but is also going to open a business at the place of residence and location of the creditor bank. For example, in the same city where the Sberbank branch and the borrower's home address are located;
• the client's age ranges from 27–45 years old. Why exactly 27 years old? The answer is military duty, which is by no means pleasing to the banks;
• for some reason, according to statistics, family people are more trusted. Although the family, logically, can become a distraction from business. Probably, banks believe that a family man is a priori more responsible;
• absence of any debts (for other loans, utility bills);
• information about the main monthly expenses of the client (utility bills, other loans, alimony, rent, etc.);
• absence of criminal convictions (especially outstanding, serious and financial crimes);
• a certificate confirming that the borrower has not been and is not registered in a psychiatric and / or narcological dispensary.

It is not at all necessary to strictly comply with all factors. Yes, there are practically no such borrowers in nature. It's just that the "gold standard", the ideal, is described here. Some factors are not particularly important (marital status), and some are of paramount importance (bail, business project, lack of crime and mental health / drug problems).

It is worth mentioning that if the borrower already had his own business and now wants to take new loan on a new business, then it will go to him in the negative. Since the bank always evaluates a bad business experience from a negative point of view. And where is the guarantee that this individual entrepreneur will not fail in his new undertakings in the same way?

Factors influencing the decision of the bank to issue a loan

In principle, after reading all of the above, you can clearly see those moments on which the positive decision of the beneficiary directly depends. To summarize, there will be only three main factors: a promising and well-designed business plan, the availability of a suitable franchise and a certain financial level of the client. If all three points are assessed by the bank perfectly, then this will bring the borrower close to the loan he needs so much. It is useful to know that in the business lending system, banks are working according to plan. That is, the analysis of the client is carried out according to the worked out template. And there are two such templates.

No. 1. Loan specialists monitor the borrower and issue a verdict (on the client's solvency and the degree of risk for the bank).

No. 2. The statistical, automated system "Scoring" is used, based on the use of mathematical methods. Within the framework of this system, all borrowers are sorted into groups, each of which is characterized by a certain degree of risk.

Sometimes the bank resorts to both types of analysis.

Other ways to get a loan

It may well be that the bank still refused to issue a loan. But this situation is not entirely hopeless. What workarounds are there?

Opening your own business is the dream of many people, but any business needs money, and saving it for 10-20 years is not an option, you need to implement a business idea here and now. What to do? Well, of course, look for borrowed money, and for this you can take a loan for a business from scratch at Sberbank or a loan for an individual entrepreneur.

Why Sberbank?

In fact, no matter which bank and from whom to borrow money, the main thing is that it is as cheap as possible. And Sberbank seems to offer more or less acceptable credit terms. In addition, Sberbank has this moment more than all circulating assets, the chance to get a loan from him increases by an order of magnitude.

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

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

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

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

ATTENTION! WITH 2016 Sberbank canceled the Business Start program for young entrepreneurs who want to organize their business from scratch using borrowed funds. The country is spooky economic crisis. Sberbank no longer believes in small business profitability and does not believe that any business can pull their interest rates! Otherwise, instead of the canceled Business Start program, another program would have been offered, but it was not offered. Draw your own conclusions!

Indeed, this is a good program, although it has its own "tricks":

• you don't have to have an active business
• you have to invest in the loaned business 20% of your own capital
• the borrower's age must be up to 26 years, not older
• and the borrower must in mandatory pass the training entrepreneurship course
• a loan for a business from scratch in Sberbank can only be obtained if you provide a business plan and it is approved by Sberbank
• or if you sign up for a franchise of a well-known brand (thus, you go through a double stage of selection for the seriousness of your intentions, the first stage for the franchisee, the second for Sberbank)

As you can see, the conditions for lending to a young individual entrepreneur at Sberbank are not sugar-rich, and this is not to mention the fact that you need to collect huge piles of documents at each stage of application approval, and the process of obtaining a loan takes months.

And what do you get by fulfilling all these requirements:

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

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

What is there to do?

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

Other credit programs for individual entrepreneurs at Sberbank

Express loans

Sberbank distributes express loans to entrepreneurs only on the condition of providing real estate, for example, an apartment or commercial real estate. And the purpose of the loan depends entirely on the type of express loan.

Views:

• Express Mortgage
• Express loan secured

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

Loan terms:

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

Borrower requirements:

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

Loans for any purpose

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

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

Credit conditions are very simple:

• the minimum loan amount is 30,000 rubles
• maximum loan amount up to 3 million rubles
• loan term up to 48 months
• annual interest rate from 18.5%
• collateral is not required
• but it is required
• granting the purpose of lending is not required
• you can arrange collateral in the form of a Guarantee, which will reduce the interest rate
• the bank compulsorily evaluates all economic activities of the entrepreneur

Read also

Secrets of the scheme - I will issue a loan for a percentage

Requirements for an applicant for a business loan at Sberbank:

• annual turnover up to 60 million rubles
• the life of the business is at least 24 months
• borrower age from 23 to 60 years (and where to get a loan young man At 18 years old , read here)
• registration in the Russian Federation

Documents for a loan for a small business in Sberbank:

• completed loan application, according to the rules and regulations of Sberbank
• Russian passport
• military ID for men
• TIN, certificate of registration as an individual entrepreneur
• constituent documents
• copies of licenses for the right to conduct business
• lease agreements or title to premises involved in the business
• extract from tax
• financial statements for the last period of time
• tax reports on the payment of taxes
• guarantor documents (passport, 2NDFL certificate, TIN)

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

Differences:

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

Loans for financing working capital

In Sberbank, it is also possible to take out a loan to individual entrepreneurs to replenish working capital if your business is growing strongly, and own funds you are lacking. Of course, you need to use borrowed money!

Loan programs for loans for individual entrepreneurs:

• Business Turnover
• Business Overdraft

Lending conditions for the "Business Turnover" program:

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

The Business Overdraft program involves lending
entrepreneurs who have active settlement accounts with Sberbank, thus the funds on the accounts are a guarantee of the return of borrowed money.

Lending terms for the Business Overdraft program:

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

Loans for the purchase of capital goods

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

Loans for the purchase of means of production in Sberbank are no different in terms of conditions from similar loans from other banks, and are somewhat similar to. Everything is the same - you need to collect a bunch of documents, make an initial payment of 20% or more, and immediately lay down the acquired means of production.

Credit programs:

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

Loans for tenderers

Loans for individual entrepreneurs in Sberbank can also be issued to participate in state and other tenders, because this also requires significant funds, not only for the implementation of the won tender, but also for filing an application for participation.

Programs:

• Business Contract
• Business Guarantee

Conditions and requirements for the "Business Contact" program:

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

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

Evgeny Malyar

# 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.

Leadership reasons are, first, unique financial capacity: 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. The 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 the established procedure. 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 (the interest rate will be somewhat higher);
• simplicity and speed of registration (up to three days);
• amount up to 3 million rubles;
• favorable annual rate;
• the absence of a mandatory 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 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 starting 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 their 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 at 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).

The assets of the enterprise, acquired for the issued loan, are used as collateral. It is insured without fail during the entire crediting period - this also entails additional expenses 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 credit history. 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 (physical or legal entity) you must provide a 2-NDFL certificate and tax return, that is, to confirm your real solvency.

Probable borrower documents:

• 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 business 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 at 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 credit 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 residual debt, etc.

This tool is available on the Sberbank website or at the link below. The service is primarily of interest to small businesses. The staff of small enterprises may not have qualified economists or financiers who can accurately calculate all the specified parameters under the 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 investment borrowed money in engineering development, the "Business Project" credit program is best suited.
• The “Business Start” package is optimal for beginner entrepreneurs.

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

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

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