Take a loan from a savings bank for business development. Documents presented by the potential borrower. What are the requirements for collateral for loans for small businesses Sberbank imposes

Sberbank offers a variety of small business loans.

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

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

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

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

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

Types of loans from Sberbank for small businesses

There are two types:

investment;
short.

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

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

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

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

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

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

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

IP Requirements:

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

Requirements for legal entities:

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

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

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

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

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

Documents for a small business loan in Sberbank

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

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

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

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

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

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

Programs for small businesses from Sberbank

You can develop your business through the following programs:

Express bail;
Confidence;
Business trust.

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

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

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

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

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

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

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

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

Product name	Minimum amount, thousand rubles	Maximum amount, thousand rubles	Annual percentage, %	Purpose of lending	Additional terms
Credit Factory program
"Confidence"	100	3000 (for clients with no credit history - 1000)	17 – 18,5	Any	A guarantee is required (for an individual entrepreneur - a close relative, for an LLC - a close relative of the business owner)
Express overdraft	100	3000	15,5	Covering cash gaps	The product is available only to borrowers whose annual income does not exceed 60 million rubles.
Express bail	300	5000	16 — 19	Any	Provision of liquid real estate or equipment as collateral
Loan Conveyor
Business turnover	150	3000 (more than 3 million are provided with borrowed funds to pay off financial obligations to other banks)	13,8 – 16,5	Replenishment of working capital	Requires a guarantee from the owner of a business or an individual (for individual entrepreneurs) or a pledge of real estate
Business overdraft	200	17000	12,73	Elimination of cash gaps	A fee of 1.2% of the borrowed amount is charged for opening a limit, a minimum of 8.5 thousand rubles, a maximum of 60 thousand rubles
Business investment	150		11,8 – 15,5	Business expansion, acquisition of property, construction, financing of a new direction	It is possible to refinance loans from third-party banks and leasing companies, a deferment is provided for the payment of the principal debt
Business real estate	150	limited only by the financial capacity of the borrower	11,8 – 15,5	Acquisition of commercial real estate	Possibility of registration on the security of the acquired property
Business trust	100	5000	15,5 – 17,5	Any	Guarantee of an individual
Business project	2500	200000	11,8 – 14,5	Expansion of business, modernization of production, entry into a new direction	Guarantee of a private or legal person; granting a deferment on the principal debt until the launch of the project

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:

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.
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.
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:

Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
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.
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.
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.
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.

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

Increasing lending to small businesses — Video

Connection to the Sberbank Business Online system (SBBOL)

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

Smart credit Sberbank — introduction of new lending technologies

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

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

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

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

We study lending

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

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

Try to use bail

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

Special purpose

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

A small business loan at Sberbank is becoming more and more popular and in demand. Since the beginning of this year, loan conditions have become even more attractive, and interest rates on loans for small and micro businesses have been reduced.

What does Sberbank offer?

In times of crisis, many companies began to pay more attention to lending, as it is not highly susceptible to fluctuations in the economy. Sberbank has been actively lending to such enterprises for several years now; over the past year, the 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 for opening a current account in just 15 minutes and processing services.

The availability of credit has significantly influenced the increase in the interest of entrepreneurs in the bank and the increase in the client base of the financial institution. Timing is important , during which you are engaged in business, why you need a loan, how you are going to repay it.

Programs for replenishment of working capital

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

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

2. Program "Business Overdraft" for replenishment of working capital (payment of payment documents, claims, orders). Issued for a period of up to 1 year. Documentary confirmation of the purpose of the loan is already required here, i.e. where the money will go.

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

The rate is set individually, its minimum value is 12% per year.
The amount is not less than 150 thousand rubles, the maximum amount will be 17 million rubles.
There is no collateral for this product, but the guarantee of the main business owners and legal entities related to 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.

General purpose loans

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

"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 return period of up to 120 months,
"Express on bail" - you can get from 300 thousand to 5 million rubles inclusive on the security of real estate or equipment. The interest varies from 15.5 to 19% per year, the term of the contract is from 3 to 36 months.
"Confidence". Available to individual entrepreneurs, business owners and small businesses with a revenue of no more than 60 million per year and running a business for more than 24 months. Rate - from 15.5%, period - up to 3 years, amount - up to 3 million. When providing security, the rate can be reduced by 1.5-1.7 percentage points.
"Business Trust". Available to companies-residents of the Russian Federation with revenue not exceeding 400 million per year. Issued for a period of up to 48 months at a rate of 12%. The maximum amount is 3 million. There are no commissions for early repayment and issuance, a guarantee is required.

Loans for the purchase of vehicles, real estate and equipment go in a separate category. Interest, amount and period of lending will depend on the purpose of lending, 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, it is necessary to repay the debt within a period of up to 120 months,
"Business Active" - thanks to this offer, you can buy all the necessary equipment that you need to conduct business. They will issue 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 from 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, repairing, as well as paying off current debts to other companies. Interest - from 11% per year.

bank guarantee— a new offer, which today is the most effective and popular way to enforce obligations for a major transaction.

a rate of 2.66% is a fee for providing a guarantee,
amount - not less than 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 determined 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 is 120 months.

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Peculiarities

Please note that almost each of the programs proposed above implies the presence of additional collateral as a guarantor of the fulfillment by the borrower of his obligations. As it can be used.