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 its acceptance by the Federal Tax Service Inspectorate, 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.

Purely technically, obtaining a loan for an individual entrepreneur is similar to obtaining a non-purpose loan for consumer purposes. First, the owner of his own business will need to familiarize himself with the range of Sberbank offers focused on lending to small business owners. Next, the businessman selects a suitable program and follows the algorithm below:

1. Collection of documentation required for submission to the bank when applying for a loan;
2. Filling out the borrower's application for receiving money and submitting it along with the documents;
3. Waiting for consideration of the application - if the decision is positive, the next step is taken;
4. Familiarization of the businessman with the terms of the loan agreement and signing the document;
5. Receipt of funds by the chosen method - cash or non-cash.

In the event that it is planned to issue a business development loan for an individual entrepreneur in Sberbank secured, in addition, the borrower will be required to collect documents on the pledge and evaluate it. If the selected collateral is approved by the bank, the amount of money will be paid against the security of the object itself or documents for it.

After the loan funds are received, the entrepreneur is vested with the obligation to repay the debt regularly and in full. To do this, you need to use an individual payment schedule - it is issued by the lender after the conclusion of the lending transaction. There are many ways to pay off debts.

Conditions for business loans

The terms of loans for individual entrepreneurs at Sberbank depend on which particular lending program the individual entrepreneur chooses. Today, the company provides small business owners with secured loans and credit. Keep in mind that for beginner entrepreneurs who do not yet have income and work experience, money is not provided in this bank. To start, it would be better to apply for a consumer loan for an individual entrepreneur at Sberbank.

Briefly, loan offers available to individual entrepreneurs can be described as follows:

• "Confidence". A non-purpose loan that can be spent on a business. Up to 3 years, up to 3,000,000 rubles;
• "Business Trust". Unsecured loan for individual entrepreneurs with a repayment period of up to 3 years and at a rate of 12% per annum;
• "Business Overdraft". Money to pay expenses. Up to 12 months, amount up to 17,000,000 rubles;
• "Business Turnover". Loan for replenishment of working capital. Up to 48 months, the amount is from 150,000 rubles.

Entrepreneurs can also receive an investment loan under the Business-Invest program. Such a loan is given for business development. Term - up to 10 years inclusive, the amount is from 150,000 rubles.

Leasing

The bank in question offers entrepreneurs and businessmen a lot of profitable leasing programs. Within their framework, it is possible to lease cargo and passenger vehicles, as well as commercial vehicles and a number of special equipment vehicles. To use leasing, you must leave an application and get approval. After that, the entrepreneur concludes a leasing agreement, makes an advance payment and receives equipment for rent.

On bail

If you need to get a large loan at a low rate on a business loan for an individual entrepreneur in Sberbank, you should choose the Express secured program. As part of the loan offer under consideration, a businessman is granted a loan in the amount of 300,000 to 5,000,000 rubles secured by real estate or equipment. The debt should be repaid within a period of 6 months to 3 years inclusive. The rate is from 15.5% to 17.5% per year.

Loan interest rates

Loan interest rates

• "Confidence". From 16% per annum;
• "Business Trust". From 12% per annum;
• Express bail. From 15.5% to 17.5% per annum;
• "Business Overdraft". From 12% per annum;
• "Business Turnover". From 11% per annum.

The specific interest rate on a business loan for an entrepreneur is selected individually. The rate depends on many factors, including the amount of credit, the period of repayment of the debt, the availability of collateral.

What documents are needed to apply for a business loan?

Before you take out a loan for an individual entrepreneur at Sberbank, keep in mind that you can apply for such a loan only with a personal visit to the office of the organization. Online checkout, which is available to individuals, is closed to small business owners. Make sure that there is a branch of the bank you need nearby.

• Passport data of the head of the business and part-time of the potential borrower;
• Financial documentation on the company's activities - financial and accounting reports;
• Information about the codes of activity of an individual entrepreneur according to the OKVED classification.

Additional IP documents for a loan at Sberbank are needed if it is planned to issue a secured loan. In this case, it will be necessary to attach papers to the documentation already listed above, which confirm the borrower's right to own and legally dispose of collateral.

Why don't they give a loan to an individual entrepreneur in Sberbank?

There are many reasons why the most popular banking organization in Russia does not provide loans to individual entrepreneurs. Understanding the reasons why a bank refuses to issue a loan can greatly help a businessman - he will review his own shortcomings and eliminate factors that prevent him from receiving money. The next attempt at registration will surely be successful. The main reasons for the refusal of IP:

• The creditor had doubts about the authenticity of the IP documents. Before granting a businessman a cash loan, Sberbank examines in detail the documentation provided by the entrepreneur. If inconsistencies and other suspicious points are found in it, the issuance of money will be refused;
• The potential borrower's enterprise has been operating for less than 6 months. Many banks, including Sberbank, require individual entrepreneurs that their company has been operating for at least 6 months at the time of applying for a loan. If there is no such experience yet, the probability of refusal is high;
• Insufficient indicator of the client's solvency. When the personal income of an entrepreneur or the profit of his company does not reach the minimum requirements of the bank, it is not necessary to count on obtaining a loan. However, you can correct the situation if you provide the bank with property as collateral.

Getting Sberbank loans for individual entrepreneurs is not so easy, but possible. Knowing this fact is enough to not give up after the first refusal, and reapply when it is allowed again. If a small business needs financial support, feel free to contact Sberbank.

In a situation where additional resources are needed to open or expand activities, attracting external capital becomes one of the acceptable ways to achieve the goals. But where to get this capital? The most common option is lending. Many organizations, including commercial ones, are ready to offer relevant services. They flood the market. The choice becomes more difficult. In such circumstances, preference is given to companies with a good reputation and a long history.

Sberbank has established itself as one of the most reliable and stable banks. This is the main reason why most Russians, when looking for a credit institution, opt for it. Offering acceptable conditions and different lending systems, Sberbank satisfies the needs of a large group of individuals and legal entities. Let's get acquainted with the main programs that are presented to develop and support small businesses.

Bank credit lines

Stimulating small businesses is an important point in today's economy. A loan at Sberbank for individual entrepreneurs is a convenient way to solve problems that have arisen and continue their activities. To date, there are six programs for small businesses. Some help to purchase equipment, others - vehicles, others contribute to the development of the entrepreneur. So, the main lending programs include:

• for any purpose;
• to replenish working capital;
• for the purchase of vehicles, real estate and equipment;
• leasing;
• bank guarantees;

Read more about individual entrepreneur lending options in this article:

These programs solve popular financial problems that entrepreneurs face in the course of their activities. The bank gives an opportunity to develop business even in the absence of own funds. Consider what loans are included in the programs, what conditions are offered and requirements are presented.

Unsecured loans

In the line of unsecured programs, the credit "Trust" is presented. This is the best way to get funds for current expenses. In a short time it is possible to receive financial support without collateral. When obtaining a loan, it will not be necessary to indicate the purposes for which the funds are taken. "Trust" is provided to individual entrepreneurs and small business owners with annual revenue not exceeding sixty million rubles.

The loan amount is limited to three million rubles. In the event that the borrower applies again, the amount can be increased to five million. The period for which the loan is granted is three years (with a repeated loan, an increase of up to four years is possible). An important point is the absence of commissions. When applying, it is possible to get a loan at a reduced interest rate - from 22% to 25%. under the following conditions:

How to get a small business loan without collateral:

• for individual entrepreneurs (with an annual revenue of less than 60 million rubles) - the amount is from 80,000 to 3,000,000 rubles (for a repeated loan - more than 5,000,000); goal confirmation is not required; period from 6 to 36 months (for a repeated loan from 6 to 48); no commission; a guarantee from an individual is required.
• for business owners, the conditions are almost the same as for individual entrepreneurs, except that the minimum amount is 30,000 rubles.

Borrowers - individual entrepreneurs (including business owners) - are subject to the following requirements:

• compliance with the age group from 25 (in the case of doing business from one year, candidates from 23 years old are considered) and up to 60 years old;
• temporary or permanent registration, until the expiration date of which is more than six months;
• prescription of doing business from 6 to 24 months, which depends on the type of activity.

If the entrepreneur meets the requirements listed above, then you can collect a package of documents. At the discretion of the bank, it can be expanded depending on specific conditions, so you should check the list on the official website or at the nearest branch. At the moment you need to provide:

• the passport;
• questionnaire;
• documents confirming registration as an individual entrepreneur;
• documents reflecting business activities.

After the entrepreneur has submitted a complete package of documentation, three working days are allotted for consideration of the candidacy. If the borrower is approved, the amount is transferred to the entrepreneur's account. The main debt is repaid monthly either in equal installments or annuity payments. In case of delay in payment, it charges 0.1% of the overdue amount for each day of delay. Full early repayment is carried out at any time and without commission.

Replenishment of working capital

Sberbank loans for individual entrepreneurs can also be taken to replenish working capital. This will help to continue developing the business and pay for ongoing expenses. Several options are presented:

• “Business turnover” opens up opportunities for providing production with the necessary raw materials, purchasing goods, participating in tenders or paying off debts to other banks. Provided to individual entrepreneurs and small businesses with revenues of less than 400 million rubles. There is no commission. Loan disbursement period from 1 to 48 months; interest rate from 20.74%.
  The amount for agricultural producers - from 150,000 rubles, for other borrowers - from 500,000 rubles, for repayment of debts to other banks - from 3,000,000 rubles; the maximum amount is limited by the financial capabilities of the entrepreneur. A loan involves collateral (which is subject to insurance) or a surety. The late payment penalty is 0.1%;
• "Business Overdraft" providing money for expenditure transactions. The annual revenue of the entrepreneur is less than 400 million rubles. A loan is issued for up to a year (12 months). The maximum rate can be 19.09% (with a loan for a year), depending on the financial condition and collateral of the entrepreneur. Tranches - from 30 to 90 days.
  Available loan amounts for agricultural producers - from 100,000 rubles, for other entrepreneurs - from 300,000 rubles (maximum for agricultural and other borrowers - 17 million rubles). A personal guarantee is required. Insurance is optional. Opening a credit limit is 1.2% of the established limit amount (from 7,500 to 50,000 rubles). For delay in payments on a loan or interest, 0.1% of the overdue amount per day of delay is charged;
• "Business Rent" is intended for individual entrepreneurs or small companies that rent out commercial real estate and conduct economic activities for more than six months. Annual turnover less than 400 million rubles. Pluses - a long repayment period, no commission for issuing and early repayment, focus on the activities of individual entrepreneurs when making a decision on issuing a loan. The collateral for the loan can be real estate owned by the entrepreneur (is the owner).
  The term for which funds are provided is 1 - 120 months (delay - up to a year). Loan rate from 17.99% (depending on the specific capabilities of the borrower). The amount is from 300,000 rubles (varies by appointment), the maximum amount is up to 200 million rubles (in Moscow - up to 1 billion). Compulsory property insurance for collateral. Interest for late payment - 0.1% of the amount of debt (amount of delay) for each day.

Acquisition of real estate or transport

Sberbank has developed lending programs to support and develop small businesses. For the purchase of commercial real estate or vehicles for the services of individual entrepreneurs, the following loan options:

• "Business Auto" - vehicles for doing business. Annual revenue less than 400 million rubles; duration of activities - from six months (for seasonal activities - from twelve). A wide range of vehicles is available for purchase - from cars to special vehicles. Issued for up to 96 months; the rate is equal to - 19.62%. The initial payment depends on the type of equipment purchased and the activities of the entrepreneur (from 20 to 40 percent).
  The deferment can be up to six months on the principal debt. The loan amount for agricultural producers is from 150,000, for other entrepreneurs - from 500,000 rubles (the maximum threshold is limited by the financial capabilities of the borrower). Requires collateral (purchased funds), surety. There is no commission. Property insurance is required. The penalty is equal to 0.1% of the amount of the overdue payment, charged for each day of non-payment.
• "Business Real Estate" - the acquisition of real estate (commercial). For entrepreneurs, it is convenient for a long repayment period, the ability to take a loan after collateral of the acquired property, the absence of a commission for early repayment and issuance. The annual turnover of the entrepreneur - no more than 400,000 rubles, conducting economic activities - from six or twelve months. Term - from 1 to 120 months (10 years). Loan rate - from 18.64% (depending on the loan term).
  An initial payment is required: for agricultural producers - from 20%, for other entrepreneurs - from 25%. A deferral of up to a year of the main payment is possible.
  Loan size: for agricultural producers - from 150,000, for other entrepreneurs - from 500,000 rubles (the maximum is set individually depending on the financial security of a particular borrower). A pledge of existing or acquired property, a guarantee is required. Collateral insurance is mandatory. Interest for overdue payment - 0.1% of debt for each day.

Leasing

Sberbank offers several programs for the purchase of vehicles, from cars to special vehicles. There are different conditions of participation and payment procedure. The term of work of an individual entrepreneur must be more than a year. and financial capacity of the borrower. The required package of documents, as well as the conditions of specific credit lines, should be found in Sberbank branches or on the official website.

Bank guarantees

The Bank offers two options: "Ready solution for trading" and "Bank guarantees". In the first case, a range of services is provided for participation in tenders, auctions, auctions. It includes opening an account, connecting to the online banking system and a package of discounts for additional services. In the second case, the bank provides its guarantees to ensure the contractor's obligations. Detailed conditions of these programs on the official website or branches of Sberbank.

Loan refinancing

You can read about refinancing loans for individual entrepreneurs in this article:

At the moment, there are three programs "Business Turnover", "Business Invest" and "Business Rent". They help replenish working capital, modernize production or refinance loans. The latter is relevant for entrepreneurs who are engaged in leasing commercial real estate. Detailed conditions for each loan can be found on the website or in the bank branches.

More detailed information about loans in Sberbank for individual entrepreneurs can be found on the official website or in the bank branches.

Individual entrepreneurs often attract external financial resources to continue their successful activities. The search for funds to open and develop a business is a serious and complex process. If the choice of an individual entrepreneur stops at applying for a loan, then you need to carefully consider not only the programs offered, but also make sure that the bank is reliable. A thorough analysis of the conditions will help reduce possible risks. A thoughtful choice of loan program will help you take your existing business to the next level.

A fairly extensive list of loans for individual entrepreneurs in Sberbank involves short-term or long-term lending, and also makes it possible to obtain a cash loan to start a business. Each loan package has different terms and conditions for registration and use.

Programs

Sberbank offers loans for individual entrepreneurs under the following most popular programs:

• Business Auto. Allows you to purchase any type of transport necessary for business development and the sale of finished products. The loan amount from 150,000 rubles can be obtained for up to 8 years. Credit rate from 14.5%.
• "Business Trust". Suitable for those who need additional funding to cover current expenses. Individual entrepreneurs do not need to confirm the intended use of funds. Amount - up to 3 million rubles for a period of 3 months to 4 years. Rate from 19.98%.
• Business Invest. Provides an opportunity to receive funds to carry out the necessary repairs or construction, as well as to refinance current debts to other credit and leasing companies. The loan term does not exceed 10 years. The amount up to 3 million rubles at a rate of 14.82% is issued only against security.
• "Business real estate". It is possible to purchase real estate through credit financing on favorable terms. The loan amount is set from 150,000 rubles. The term of financing is no more than 10 years at a rate of 14.74%. It is required to provide and arrange insurance for collateral property.
• "Business Turnover". With the help of this loan program, you can replenish working capital, pay current expenses, and implement business development plans. Loan term - 4 years. The rate is 14.8%. A loan from 150,000 rubles is issued against security.
• "Confidence". Financial support without security for any purpose, for a period of 3 years. The rate is from 19%. The amount is up to 3 million rubles.
• "Express Pledge". Obtaining financial support secured by real estate or equipment for a period of 6 months to 4 years. The rate ranges from 16 to 23%. The amount is from 300,000 to 5 million rubles.
• Express Mortgage. Providing a quick loan for the purchase of residential or commercial real estate. The term is up to 10 years. The rate is from 16.5%. The amount is up to 7 million rubles.

According to the standard procedure, Sberbank considers an application for an individual entrepreneur loan for no more than three days.

Criteria for the borrower

To qualify for financial support, a borrower must meet the following requirements:

1. Own your own business for at least two years in the field of trade and at least six months in other business sectors.
2. Have an annual revenue of up to 60 million rubles.
3. Have a permanent registration in the Russian Federation or temporary, the expiration date of which must be at least six months at the time of application.
4. Age 23-60 years.

Documents for a loan

Loans for individual entrepreneurs in Sberbank are issued in the presence of a mandatory package of documents:

1. Application form.
2. Passport of an individual entrepreneur.
3. Registration documents.
4. Papers relating to economic activity.
5. Applications for obtaining a guarantee (if required by the terms of the loan).

Depending on the chosen loan program, the bank may require additional documents.

Application review

The package of papers submitted by the applicant is submitted for consideration to the credit committee of the bank.

When examining documents, the following factors are taken into account:

1. IP credit history. The chances of a loan being approved are reduced if the entrepreneur has debts with Sberbank or other credit institutions.
2. The amount of revenue.
3. Ownership of property.
4. What potential does the business have, is there a well-designed project and business plan.

The Credit Committee may take into account those circumstances that do not depend on the will of the entrepreneur.

What are the reasons for rejection

The most common reasons for loan denials are:

• The entrepreneur did not inspire confidence in the credit committee.
• An incomplete package of documents was submitted.
• An insufficient number of arguments in favor of the liquidity of the business are given.
• The business plan does not contain the necessary information from which it would be possible to trace the real development of the business.

Sberbank may refuse a loan to an individual entrepreneur even if the latter uses a simplified taxation system or UTII.

If the loan was still refused, the entrepreneur can try to take out a consumer loan. The downside of such a loan will be higher interest rates than business loans. But the requirements for borrowers and the mandatory package of documents are more loyal.

Getting a loan from a bank - what you need to pay attention to: Video

Loan for individual entrepreneurs in Sberbank- a way to get money to develop your own business. Today, small businesses are beginning to be active in the market. However, not every entrepreneur has the money to create an organization. Contacting Sberbank will help solve existing problems. A credit institution is ready to provide funds on favorable terms. However, before starting cooperation with the company, it is required to carefully study the nuances of providing capital.

Purpose of lending

The loan that Sberbank provides for individual entrepreneurs differs from a regular consumer loan. Funds are given for business development. The client can use the program "Business start". The organization is ready to provide funds for:

• organization of the enterprise according to a standard business plan;
• creating a case according to your own unique scheme.

If the entrepreneur chooses option 1, then he will be able to minimize the risks. The scheme has already managed to establish itself as a method that generates income. The risk of burnout is minimal. However, the future business owner will need to spend additional funds to purchase a franchise.

If a person with IP status decides to follow his own path, he will be able to receive a larger amount of profit. He will not have to make additional deductions in favor of franchise owners. but the risk of burnout in this case is much higher.

Before choosing one of the options for development, an entrepreneur must assess the current situation and make a decision based on it.

Requirements for the borrower

Sberbank- one of the largest banks in Russia. He has no shortage of clients. The organization is not ready to take risks to attract additional users. For this reason, before applying for a loan, the client must check himself and his business for compliance with the requirements of the organization. The company cooperates with persons who:

• over 21 and under 60;
• have a company registration certificate;
• have been in business for more than 12 months.

At its discretion, a credit institution may make an exception to the rules in a number of cases. The client's business must be profitable. If the bank realizes that the user has organized a loss-making enterprise, the company will refuse to provide funds. If the entrepreneur's firm meets the requirements of a credit institution, he will be able to count on receiving an affirmative answer to the application.

Loan conditions

The terms of the Sberbank loan for individual entrepreneurs differ from the offers of other credit organizations.

1. If the client decides to use the program "Business start", he will be able to count on receiving up to 80% of the required amount. The remaining 20% ​​must be paid by the client as a down payment.
2. The loan amount cannot exceed 7,000,000 rubles.
3. Funds are provided for a period, the maximum duration of which is 5 years.
4. The amount of the overpayment will be at least 18.5% per year.

The company is loyal to small businesses. Additional collateral for the loan is not required. However, the capital is provided only for the organization of their own business.

Despite the fact that the organization positions itself as an institution that provides loans without collateral, Sberbank has tariffs that require collateral. All property that will act as a money-back guarantee must be insured. If the borrower refuses to perform the operation, it will not work to take a loan from Sberbank for individual entrepreneurs.

List of documents

Loans for organizations differ from consumer loans with a reduced interest rate. However, the user will have to collect a whole list of documents, which includes:

• application for receiving funds;
• passport of a citizen of the Russian Federation;
• registration certificate or military ID, if the borrower is a man;
• certificate of registration with the tax authority;
• the license in the original, if it is supposed to be available for the planned activity;
• original certificate of registration as an individual entrepreneur;
• all financial papers on IP.

The likelihood of the borrower being drafted into the army should be excluded. If such a risk exists, the bank will refuse the received application.

If necessary, the bank has the right to expand the minimum list of securities. The lending institution may require you to provide:

• income statement;
• the consent of the franchisor to receive a loan if the client plans to open a franchise business;
• a paper with a list of assets that will be purchased with the bank's money.

All documents relating to the list of business development items must be approved by the franchisor. The statement is relevant only if the business is opened under a franchise.

Possible limits on the size of the loan

If an entrepreneur plans to start cooperation with Sberbank under the program "Business start", he must be prepared for the fact that serious restrictions will be imposed on the maximum loan amount available for receipt. The final value depends on the selected program. These include:

• organizing a franchise business;
• creating a case according to a standard business plan;
• cooperation with the franchisor Harat`s.

1. Having decided to create a business under any of the franchises, the entrepreneur will be able to receive from 100,000 to 3,000,000 rubles.
2. If the future business owner starts cooperation with the Irish brand Harat`s, the available amount will vary from 3,000,000 to 7,000,000 rubles.
3. If a person decides to create his own business according to a standard business plan, which is provided by the partner organization of Sberbank, restrictions on the amount are removed. The future businessman will be able to receive any amount ranging from 100,000 to 7,000,000 rubles.

Period of disbursement of funds

The term for which the bank provides capital may also vary. The organization determines the crediting period taking into account:

• features of the program chosen by the client;
• the purpose for which the user wishes to receive funds;
• the presence of delinquencies on loans in the past of the borrower;
• amount provided.

The maximum loan period for a user who decides to take a business loan is 60 months.

For example, a client who has chosen a Harat`s franchise to create his own business can count on such a period of cooperation. The interest rate on the loan will be 18,5% . There is a grace period for franchise users. Its duration is 12 months.

If a person decides to use a ready-made project of a bank partner, the loan period will be reduced to 42 months. Loan repayment amount increase up to 20%. Franchisees of well-known brands will be able to count on loans with a minimum overpayment. However, the loan term cannot be more than 42 months.

Probability of approval

Consideration of an application for a loan for an individual entrepreneur at Sberbank is a complex process. For this reason, the credit institution makes a decision within a few days.

After a person who has the status of an individual entrepreneur and wishes to receive a loan sends an application and a list of documents to the organization, the papers will be transferred to a loan officer. He will prepare the documentation for further consideration, and then send it to the credit committee, which will make the final decision. The bank's response is influenced by:

• borrower's credit history;
• the presence of persons willing to vouch for the entrepreneur;
• the size of the monthly profit and expenses of the organization;
• the borrower owns real estate or other property of high value;
• a convincing business plan for the project.

The company's verdict is also influenced by the processes taking place within the organization. It will not work to influence the verdict of Sberbank. The entrepreneur can only wait for the decision of the company.

Reasons for rejection

The decision of the commission considering applications may be influenced by the personal opinion of its members. If one of the members of the body decides that the applicant is unreliable, the commission will refuse to provide funds on behalf of the bank. In order to convince the participants of the body that the business being created can be profitable, the entrepreneur must pay special attention to the justification of liquidity in the business plan. If a person is able to give strong arguments in defense of his position, the organization will make a positive decision on the loan application.

Bad credit history is another popular reason for rejection. Before contacting the bank, a person can try to remedy the current situation by taking several small loans and returning them on time.

If capital is urgently needed to open a business, an entrepreneur can attract a guarantor or pledge property. In this case, the company will treat the potential client more loyally. The likelihood of receiving a positive loan response will be much higher. The company is ready to accept real estate or a car as collateral. If the user has other valuable items, he can try to pawn those as well.

Procedure in case of refusal

If the credit institution decides that the user will not be able to return the funds on time, it will refuse the received application. In this case, a person can try to get a regular consumer loan. Requirements for the recipient of the loan are less severe. However, the interest rate can be much higher.