The organization of any business requires investment. Due to their lack, not everyone manages to open a business. But now loans are being issued to small businesses. Sberbank offers favorable conditions for obtaining the necessary amounts.
Types of lending
There are 2 types of loan:
- investment;
- short.
Investment is intended for construction, reconstruction, modernization, acquisition of equipment for business. On it you can buy commercial real estate or upgrade production.
Short-term loans are issued up to 1 year. They include:
- overdraft;
- fulfillment of obligations under state contracts;
- bank guarantees;
- replenishment of funds for turnover.
Sberbank prepares a loan to small business on bail and without it. Guarantors may be other business owners or other employees.
Conditions
After familiarizing yourself with the rules of the transaction, you should get a loan to a small business. Sberbank, the terms of which are considered the most favorable, is chosen by the majority of citizens of our country. Under the Business Start program, money can be spent on equipment, premises, and equipment. The loan conditions are as follows:
- rate from 17.5% to 18.5%;
- repayment period - no more than 42 months;
- the amount may be in the range of 100 thousand - 3 million rubles;
- annuity payment determination system.
A loan for the development of small business is issued by Sberbank in the presence of a business plan. The client can use a standard business plan or open a franchise business. This allows you to reduce the risks of non-return of money due to the fact that an inexperienced businessman can miscalculate in the planning of the enterprise.
A typical business plan can be selected for a specific region, so the risk of bankruptcy is minimal. A franchise business is considered the most reasonable for the bank and the entrepreneur. A franchisor can be a guarantor, and an entrepreneur acquires a ready-made business in which independent planning is not necessary.
You can find a list of franchises on the bank's website. When you choose the right program, you can get a loan to open a small business. Sberbank provides funds in the amount of 80% of the franchise price. Therefore, the borrower needs to have 20% of his money. A loan is issued on the security of purchased property, which will need to be insured.
Requirements
Sberbank prepares a loan for small business development only if it meets the requirements for individual entrepreneurs:
- age - 23-60 years;
- registration: temporary or permanent;
- starting a business at least six months ago.
If the loan is issued by legal entities, then the requirements for them are as follows:
- business registration in Russia;
- revenue of a maximum of 400 million rubles per year;
- doing business from 2 years.
Experience is counted based on the field of activity. For example, trading must be conducted for at least 3 months. If this is a seasonal business, then experience of 1 year is required. This requirement applies to construction companies, the period of work in them must be more than 2 years. Sberbank offers a loan to small businesses from scratch.
Franchise
In Russia, Sberbank is the only organization that provides loans for the purchase of a franchise. This is considered the safest option for organizing a business, due to several reasons:
- the entrepreneur is given a ready-made business that is already successfully developing;
- business operates on the basis of an effective scheme;
- the company has its own customers;
- The entrepreneur is supported by the franchisor.
Borrowers and lenders have no risks if loans are issued to small businesses. Sberbank will be sure that the debt will be repaid.But customers have little choice, since the following franchises are presented on the site:
- "Burger King";
- McDonald's
- OBI;
- "Yves Rocher."
When purchasing a franchise, a businessman must take into account that although he will be the owner of the company, important decisions are made by the franchisor. He sets the pricing policy, works with the assortment, design of the premises, and also selects employees. Therefore, part of the profit will go to the franchisor.
Business plan
Sberbank provides loans to small businesses when organizing its business according to a standard plan. This means that the borrower has little choice, he will need to choose from the list the direction that will be credited by the bank.
Sberbank issues loans to small businesses in the following areas:
- cleaning service;
- barbershop;
- beauty saloon;
- baking bread;
- studio;
- pet Shop.
This is not a complete list, as it is regularly updated. The plus is that the entrepreneur is given the opportunity to independently solve various issues related to doing business. He does not need to give part of the profit every month, it is important to pay the loan fee on time. The downside is the need to independently promote the business.
Documents
There is a list of documents that Sberbank of Russia requires. Small business loans are issued with a passport, certificate of entrepreneurship. The borrower needs to confirm that over the past 90 days he has not been engaged in his activities. Legal entities must be provided with constituent documents, a tax certificate, and a license. But the whole list can be found in the bank, as for all the borrower the documentation package is installed individually.
The bank considers the client’s application, which he filled out at the branch. The decision is made within a few days. After that, a list of references and documents will be announced. Typically, a small business loan Sberbank gives thanks to the guarantor. It can be a natural or legal person, entrepreneurs. They need to confirm their income with the help of 2 personal income tax certificate or a tax return. Sberbank does not provide such loans to everyone. Each application is considered carefully, so not everyone can get the money.
Programs
Several programs are offered by Sberbank of Russia. Small business loans are divided into the following types:
- “Express on the security”;
- "The trust";
- "Business Confidence."
“Express on bail” is issued up to 3 years, but it will be possible to pay for it ahead of schedule. An amount ranging from 300 thousand to 5 million rubles is issued. The rate is determined by the term, it can be in the range of 16-23%. When designing a program, you can not indicate the purpose of obtaining money. The main thing is that the business is in possession of 1 year.
Credit "Trust" is issued without collateral, but you need to attract guarantors. It is provided up to 3 million rubles at a rate of 19.5-26.5%. Credit "Business Confidence" is provided up to 4 years at a rate of 18%.
Advantages and disadvantages
This type of loan has many advantages. The first includes deferred down payment for 6 months. There are no fees for providing funds. The lender gives the client a business plan, and also advises on the start of work.
But there is also a minus - getting such a loan is difficult. Many customers are denied this. This may be due to the lack of personal money to organize a business, as well as poor credit history. It is necessary to provide a guarantor, to which requirements are also presented.
But everyone can submit applications. Only before registration you need to carefully think through everything. It is advisable for a novice businessman to have his own savings, as they may be required at any time due to unforeseen expenses.
Reasons for refusal
The main reason for refusal to receive a loan is considered to be unreliability of the client. If an entrepreneur cannot provide evidence of business liquidity, then he is unlikely to be allowed to receive funds.Therefore, it is important to create a high-quality presentation of the business plan, which should be competent and thorough.
Sberbank must provide reliable information so that there is no refusal. It should be borne in mind that loans are rarely provided to entrepreneurs who use such a tax regime as UTII and a simplified tax system.
If the application was refused, then you can act by other methods. You can organize an LLC. Sberbank has higher confidence in such organizations. If the credit history caused the refusal to obtain a loan, then you can draw up a mortgage, where the property of the borrower will be a pledge. The entrepreneur has the opportunity to obtain a consumer loan. The rate on it is higher, but the conditions are less stringent, and the list of documents is small. This option will help to get funds for business development.