How to get a loan to start a small business from scratch? Where can I get a soft loan to open a small business? What are the conditions for a loan to open a small business?

The most common question that new entrepreneurs ask themselves is: where to get start-up capital to open a business? If you can’t borrow money from your parents, friends, or get a loan from the government, there is only one option left – a bank. There is always money there and in any quantity.

Denis Kuderin is with you, a finance expert at HeatherBober magazine. I will tell, how to take out a loan to open a small business, what requirements do banks impose on beginning businessmen, and whether preferential loans exist in nature for newly-minted individual entrepreneurs and LLCs.

Read the article to the end - at the end you will find an overview of banks with the most favorable lending conditions and tips on how to increase the chances of a positive response from a financial company.

1. Loan for starting a small business - assistance to a beginning entrepreneur

Small business (SB) is a commercial enterprise whose number of employees does not exceed 100 people and whose annual revenue does not exceed 400 million rubles . Provided for small businesses special taxation regime and simplified accounting procedures.

Lack of start-up capital – the main stumbling block for novice businessmen. A lack of assets slows down the development of one’s own business, prevents the implementation of potentially profitable commercial ideas and interferes with self-realization.

Psychologically, people who are at the initial stage of opening their own business ready to risk borrowed funds for a successful start. They have a thoughtful plan and development strategy.

All that remains is to present your ideas to creditors and make them believe in the commercial potential of the future business.

But remember that only about 10% of small businesses break even or at least do not go bankrupt in the first 1-2 years after opening.

For this reason, banks are not eager to give out money to everyone. They have no interest in financing projects with an uncertain future. Therefore they you need a clear business plan, a guarantee or a franchise. And even better - liquid collateral.

Condition 2. Availability of security and guarantor

Mortgaged property - reliable money back guarantee. Secured loans are beneficial both to banks and, partly, to the borrowers themselves. The interest rate on such loans is lower, the terms are longer, and the documentation requirements are more flexible.

The following is taken as collateral:

• liquid real estate - apartments, houses, land plots;
• transport;
• equipment;
• securities;
• other liquid assets.

It’s even better if, in addition to collateral, you have guarantors - individuals or legal entities. Have the right to become a guarantor city ​​or regional Entrepreneurship Centers, Business incubators and other structures that help aspiring businessmen.

Condition 3. Clean credit history

Banks check the credit history of all borrowers without exception.

• successfully closed loans;
• there are no sanctions for past delays;
• There are no existing loans.

If you want to fix your credit history, it will take time. The most effective way is to take out several consecutive loans from microfinance organizations and close them on the company’s terms.

Condition 4. Complete package of documents

The more documents you provide to the bank, the greater the chances of a positive response. Make sure all documents are current and properly completed.

A definite plus - Availability of ready-made licenses and other permits for the type of activity you are going to engage in.

Let's take a break and watch a short video on the topic.

3. How to get a loan to open a small business from scratch - 5 simple steps for the borrower

First, decide on the amount you need. There is no need to take more than required, but lack of funds is also undesirable. Ideally needed professional financial analyst to calculate all costs.

Immediately think about whether you can provide the bank with collateral, if required, and find guarantors.

Open checking account– no businessman can do without it.

The most convenient and fastest way to open accounts is in the following banks:

Step 1. Select a bank and lending program

Banks offer dozens of types of lending programs for beginning businessmen. Your goal is to choose the one that best suits your needs.

First, you should take an interest in the offers of the bank whose services you use. Salary clients and those who have a bank account deposit or current account, banks offer more favorable conditions.

It is more reliable to cooperate with well-known financial market players who have many branches in different cities of the Russian Federation.

Other important criteria:

• independent bank rating– in Russia the most authoritative rating companies are RA “Expert” and “National Rating Agency”;
• experience– you should not trust institutions that opened less than 5 years ago;
• financial indicators– if banks have nothing to hide, they publish financial reports on their website;
• reviews from other businessmen who have already used the company’s services;
• Availability of preferential loans with state support– in case you manage to use such programs.

And another tip - read the latest news about the bank. Suddenly he changes owner or transfers its assets to another bank. You don’t need any extra hassle with details.

In the Russian Federation, several dozen banks a year lose their licenses. Cooperate only with those companies whose position is stable and strong.

Step 2. Prepare documents

I already spoke about the package of documents above - the more complete it is, the better.

You will need:

• passport;
• the second document – ​​preferably TIN;
• certificate of registration of individual entrepreneur or LLC;
• fresh extract from the Unified State Register of Legal Entities;
• certificate of registration with the Tax Service;
• licenses and permits (if any);
• documents for collateral (if you are applying for a secured loan);
• business plan;
• income certificate (if any).

The bank has the right to require other documents - for example, list of purchased property for business activities, office lease agreement, etc.

Step 3. Submit an application

All modern banks accept applications online. Fill out the form, submit and wait for a decision. Please indicate the most detailed and reliable data– the bank will carefully check this information.

Do not try to hide information that is important for the lender - bankruptcy in the past, existing loans. The bank security service works no less efficiently than the police, when it comes to screening the borrower.

Banks will never take risks by issuing loans to those who are trying to defraud them. On the contrary, they will blacklist such citizens.

A significant portion of loans for start-up businessmen are issued on the terms down payment of 10-30% of the loan amount. It is worth preparing this amount in advance and convincing the bank that you have it.

Step 4. Conclude an agreement

A loan agreement is a serious thing. The financial well-being of your company and your own emotional and psychological well-being for many years to come depend on it. Paying under an agreement that you have not read is dangerous and stupid.

I recommend that you familiarize yourself with the draft of this document in advance and read it at home, in a calm environment. It’s even better to have it studied by a lawyer who understands the intricacies and pitfalls of business lending.

What to look for:

• final interest rate;
• payment schedule – is it convenient, does it meet your capabilities;
• the procedure for calculating fines;
• conditions for early repayment of the loan;
• obligations and rights of the parties.

Study at the same time pledge agreement if you take out a loan with a guarantee. You need to know your rights as the owner of the collateral property.

Remember: if some clauses of the agreement do not suit you, you have the right to demand that the bank change the wording or even remove this clause completely.

There are no standard and formal banking agreements - they are all drawn up taking into account the individual conditions and circumstances of the transaction.

Step 5. Receive funds and open a business

All that remains is to receive funds to your current account or in cash and open your own business with them. Or the company will transfer money to the account of the seller from whom you are purchasing equipment or special equipment under the contract factoring or leasing.

4. Where to get a loan to open a small business - review of the TOP 5 banks

The expert department of our magazine monitored the credit market of the Russian Federation and compiled a list five most reliable banks.

Please note that in some of them it is more convenient to take out a consumer loan without specifying the purpose or to issue a credit card with a revolving limit. This option is suitable if you need a relatively small amount within 300-750 thousand rubles .

1) Sberbank

You can get a loan from them up to 1,000,000 rubles at 3% per month. Application review period is up to 1 hour. Issuing money during the day.

The main advantages of the service are convenience and speed. All processes take place online - from submitting an application to receiving money in the company’s account. All you need is a passport and company documents. From the start of filling out an application on the website until the money arrives in the company’s existing bank account, no more than 1 day passes.

The service is available for individual entrepreneurs and LLCs. Suitable for short loans in urgent need. For example, when you need to fill a cash gap, pay salaries to employees, purchase goods or replenish working capital.

6. How to increase your chances of getting a loan to start a small business - 4 useful tips

If you want to increase the chances of a positive response from the bank - use our advice.

Read, memorize and put into practice!

Tip 1. Seek support from financial funds

If you do not have collateral, additional income and other obvious signs of solvency, try taking advantage of preferential loan programs and with the help of Entrepreneurship Centers In your city.

Such structures will provide guarantee to the bank or even take on part of the loan payments.

A number of Russian banks cooperate with the Centers and are ready to provide loans to entrepreneurs at a lower rate and without any collateral. The state reimburses the costs to the banks.

Franchising is an additional guarantee of MB success. Perfect option - buy a franchise from the bank’s partner companies. Financial institutions partner with large brands that have an effective business model.

Tip 3. Provide collateral and issue a guarantee

Collateral and guarantee help you achieve your credit goal as quickly as possible. If there is collateral interest rates are falling, and loan amounts and terms, on the contrary, are growing.

But it’s worth soberly assessing your financial capabilities. If you cannot pay off the loan, the collateral will be sold at a price of 40-50% of its real value. Yes, and you will let down the guarantors - your debts will also affect their credit history.

Tip 4. Use the services of financial brokers

Financial brokers know much more about business loans than first-time entrepreneurs. The services of such companies cost money, but if you find a truly professional and experienced broker, your costs will more than pay off.

7. Conclusion

A loan for starting a small business is a chance for entrepreneurs to launch a promising business project without having personal savings. Many successful businessmen started with borrowed funds and now have billions in profits.

Question for readers

Do you think it’s worth pledging personal property as collateral for a business loan?

We wish you generous lenders and successful commercial projects! Write comments on the article, rate it, and share with friends on social networks. See you again!

Today, entrepreneurs are given a great opportunity to take out a loan to develop a small business without having their own property or any other collateral. In private cases, funds for assistance to entrepreneurship can declare themselves as guarantors. In order not to waste hours searching for financial institutions that can provide loans without guarantors for small businesses, you can use the services of our website, which presents financial institutions that are guaranteed to provide preferential loans small businesses. Our website presents banking services that are offered by financial institutions in Moscow and other cities. The list of our offers allows you to see:

• what amount can be loaned;
• interest rate;
• documents required to obtain a loan;
• the age at which borrowers can receive a loan;
• time for consideration by the financial institution of the application.

What do we mean by favorable lending conditions?

• unsecured loan “Trust”;
• programs that do not require guarantors;
• the possibility of extending the period for repayment of the principal debt;
• the opportunity not to pay the entrance fee;
• the possibility of obtaining a loan under the terms of floating interest rates.

What are the criteria for issuing quick subsidies for business expansion?

What is a loan calculator and why is it needed?

How to get a loan online?

Individual, citizen of the Russian Federation

• Is a founder/co-founder of a legal entity
  • The owner's share in the authorized capital is the maximum (or at least 25%) of all co-founders with a tenure of more than 6 months
• Or registered as an individual entrepreneur
  • With a business period of at least 9 months as of the date of filing the loan application
  • Age from 22 to 65 years inclusive, on the date of application

Entity

• The period of doing business is at least 9 months as of the date of filing the loan application
• The age of the owner with the largest share in the authorized capital is from 22 to 65 years inclusive, as of the date of application
• The owner's share in the authorized capital is at least 25% or is the maximum of all co-founders with a share holding period of more than 6 months
• Proof of intended use required

Requirements for guarantors

For an individual, citizen of the Russian Federation

• Guarantee of any individual aged 18 to 70 years inclusive
• Guarantee of co-founders of an enterprise if the borrower is one of the founders of a legal entity with a share of less than 50% in the authorized capital
• Guarantee of a spouse if the borrower is married and the loan amount is more than 3,000,000 rubles

For an individual entrepreneur

• Guarantee of at least one individual
• Guarantee of a spouse, if the borrower is married and the loan amount is more than 3,000,000 rubles
• Guarantee of a third party (not the owner of the individual entrepreneur)

For a legal entity

• Guarantee of at least two individuals
• Guarantee of the co-founders of the enterprise, if the borrower is one of the founders of a legal entity with a share of less than 50% in the authorized capital
• The second guarantor can be a co-founder (individual), the founder’s spouse or a third party

Fill out the forms

1. Profile of an Individual
- Borrower
- Guarantor (according to the number of loan guarantors who are either a co-founder of the Borrower’s Enterprise, or a spouse of the Borrower, or a “real” owner/co-owner of the business)

Contains information about the Borrower's Enterprise - Legal Entity/Individual Entrepreneur

3. Application for a loan product
Contains information about the participants in the transaction, as well as the parameters of the requested loan

4. Application for accession to the Agreement on comprehensive banking services for individuals at JSC "ALFA-BANK" and the consent of the individual to process personal data and receive JSC "ALFA-BANK" a credit report from the Credit History Bureau

Provide documents

Copies of the following pages are required: photo spread, page with a stamp on current registration, marital status, information on previously issued passports

Additionally

Copies of loan agreements of the Borrower, Guarantors and/or Borrower's Enterprise with other creditors (only a copy of the loan repayment schedule may be provided) or a certificate from the bank confirming information about the amount of debt, the amount of the monthly payment and/or the timing of loan payments (if available)

Additionally, if the Borrower's Enterprise is a JSC, OJSC, CJSC (PJSC)
An extract from the register of shareholders or an extract from the register of owners of registered securities (drawn up no earlier than 1 month as of the date of filing the loan application)

Fill out the forms

1. Application for a loan product
Contains information about the participants in the transaction, as well as the parameters of the requested loan

2. Questionnaire of the Enterprise / Questionnaire of the Individual Entrepreneur
Contains information about the Borrower Legal Entity/Individual Entrepreneur

3. Profile of an Individual
Contains information about the participants in the transaction - the Guarantors (corresponds to the number of guarantors for the loan)

4. Consent of the legal entity to receive ALFA-BANK JSC a credit report from the Credit History Bureau

5. Consent of the Guarantor to the processing of personal data and receipt of a credit report by ALFA-BANK JSC from the Credit History Bureau

Provide documents

Copies of passports of transaction participants - individuals
Copies of the following pages are required: photo spread, page with a stamp on current registration, marital status, information on previously issued passports

Additionally

If there are loan agreements
Copies of loan agreements of the Borrower, Guarantors with other creditors (only a copy of the loan repayment schedule may be provided) or a certificate from the bank confirming information about the amount of debt, the amount of the monthly payment and/or payment terms for the loan product (if available)

Additionally for JSC, OJSC, CJSC (PJSC)
An extract from the register of shareholders or an extract from the register of owners of registered securities (drawn up no earlier than 1 month as of the date of filing the loan application)

Business development and expansion requires regular investment. The question of the need for financial investments sooner or later arises among both beginning entrepreneurs and successful businessmen. In such a financial situation, the question arises: “Where can I get a loan for an individual entrepreneur?”

And this article presents how banks where you can get an individual entrepreneur loan without guarantors or collateral. In order to collect for you all the best bank conditions in one place, we analyzed quite a lot of loan offers that provide loans for individual entrepreneurs in 2019.

Ways to get an individual entrepreneur loan

Bank lending is an effective and prompt solution to financial problems, a beneficial tool for the development of small and medium-sized businesses, and the ability to respond in a timely manner to emerging negative circumstances. Loans for individual entrepreneurs are available for targeted business development, replenishment of working capital, purchase of new equipment, and expansion of the production base. Almost every credit institution has loan offers, even for individual entrepreneurs with zero reporting (declaration).

Private entrepreneurs confirm their solvency on the basis of accounting documents, which indicate income from FCD; using declarations; income and expense journals; other accounting reports. In order to obtain a loan for an individual entrepreneur from scratch, it is necessary to draw up a promising business plan. It should reflect specific indicators for future periods, taking into account the specific nature of doing business in Russia and the real level of demand for specific services or goods.

When considering an application for a loan for entrepreneurs, it is important for the bank to understand for what purposes the loan money will be used, and from what funds it is planned to repay the debt. The bank’s credit manager will answer the question of how exactly to get an individual entrepreneur’s loan under the chosen program.

What loans can an individual entrepreneur take out?

For small and medium-sized businesses, banks offer loans in the following areas:

1. Express - loans: designed for businessmen with limited time. A minimum package of documents is provided. The decision to approve the loan and issue it is made within an hour. The interest rate for such programs is much higher, the loan term is shorter.
2. Consumer loan for individual entrepreneurs. This type of loan can be taken out by an individual entrepreneur as an individual. For a large amount, a wider package of documents is required. If you need a large amount, you should be prepared to provide loan collateral in the form of real estate, vehicles no older than 3 years, or capable and solvent guarantors.
3. Target programs, including government: include loans for small businesses. This is a type of financing the activities of legal entities, when the Assistance Fund can act as a guarantor. Issued only for specific purposes. Designed for entrepreneurs engaged in promising business and already registered for more than three months.
4. A number of banks provide Individual entrepreneur cash loan, revolving/non-revolving lines of credit and overdrafts.

TOP 6 profitable banks for an individual entrepreneur loan

Ratings of banks offering the most profitable loan products for individual entrepreneurs are formed from an assessment of general conditions, a list of required documents, interest rates, loan duration, and possible cooperation with starting individual entrepreneurs.

It is beneficial for individual entrepreneurs to take out a loan from the bank where the current account is opened. Loans are offered to regular customers on favorable terms. Before opening an individual entrepreneur account, it is recommended to monitor banks not only regarding favorable tariffs, settlement and cash services, but also from a lending point of view. Our blog specialists have already analyzed and compiled rating of the best banks for individual entrepreneurs .

In 2019, the best loan offers are from the Housing Finance Bank, OTP Bank, Renaissance Credit and Sovcombank. We invite you to familiarize yourself with the terms of individual entrepreneur lending programs for both individuals and specialized loan programs for individual entrepreneurs.

The best bank giving a loan to individual entrepreneurs without collateral or guarantors

OTP is one of the best banks that provide consumer loans to individual entrepreneurs without collateral or a guarantor. The undeniable advantage of this credit institution is the ability to submit an application online from the official website and receive a final decision in 15 minutes. OTP Bank offers profitable cash loans for both individuals and individual entrepreneurs.

Loan terms for people running their own business

• Loan amount from 15 thousand to 4 million rubles.
• The loan is issued for a period of 12 to 120 months.
• Interest rate - from 10.5% per annum.
• Providing security in the form of a guarantor or collateral is not required.

The only documents you need to submit are a passport of a citizen of the Russian Federation, a Unified State Register of Individual Entrepreneurs (USRIP) certificate, and an INN. The bank is ready to cooperate with beginning businessmen.

Cash loan for individual entrepreneurs from scratch on the day of application

Renaissance Credit is one of the few banks that provides consumer loans to individuals developing their business. We list the main advantages and possibilities of a cash loan for individual entrepreneurs in this bank:

• Credit limit - from 30 to 700 thousand rubles;
• Interest rates range from 10.9%;
• Duration of the loan agreement: from 24 to 60 months;
• To apply for a loan, it is enough to present a passport of a citizen of the Russian Federation and a second document of your choice;
• No collateral is required, but proof of title to the property will guarantee a reduced interest rate.

The application is sent from the bank's website. If approved, you must visit the office and submit a minimum package of documents. Private entrepreneurs only need to bring a certificate of state registration of individual entrepreneurs. A balance sheet is not required. You can also provide a title for a car or documents for an apartment as your solvency. (The deposit will not be used!). Offers from Renaissance Credit Bank can be taken advantage of by businessmen starting an individual entrepreneur business from scratch. The optimal rate and loyal conditions will allow you to quickly receive the required amount on the day of application without unnecessary paperwork.

Sovcombank - cash loan at low interest

Sovcombank offers consumer loans to all categories of citizens, including individual entrepreneurs.

1. The limit is 1 million rubles for any purpose.
2. Base interest rate from 12% per annum;
3. The application can be submitted via the Internet, the loan is issued at the bank office.
4. The loan is issued for a period of up to 60 months.
5. Review of the application from one hour to three days.

Individual entrepreneurs have the opportunity to get a loan in a larger amount by providing real estate or a vehicle as collateral. There is a program “For Responsible Plus”. No documentation is required from private entrepreneurs. Therefore, a consumer loan from Sovcombank is suitable for individual entrepreneurs with zero reporting.

Attention! The bank approves loans to new customers only for persons over 35 years of age. If you have less, then it’s better to leave your application at another bank.

Loan "Trust" for business development from Sberbank

A loan for individual entrepreneurs is offered by the country's main lender, Sberbank. The Trust program will allow you to resolve current financial difficulties and implement plans in the future.

Business loan terms from Sberbank

1. Type of loan - without collateral and for any needs.
2. The loan is available to individual entrepreneurs whose annual revenue does not exceed 60 million rubles.
3. When taking out a loan secured by a guarantee, a reduced interest rate applies.
4. The base rate is 16.5% per annum.
5. The maximum loan term is 36 months.
6. Credit limit - up to 3 million rubles.

Sberbank requires documents for an individual entrepreneur's loan, such as a citizen's passport - an individual, a military ID if available, a Unified State Register of Individual Entrepreneurs certificate, a certificate from the Federal Tax Service on the registration of a private entrepreneur, the latest version of financial statements with the seal of the tax authority, tax payment receipts. Licenses, permits to operate, lease agreements (sublease) or certificates of ownership of non-residential premises may be required.

Bank providing a loan for individual entrepreneurs secured by an apartment from BZHF

Very often, entrepreneurs need a large sum of money to develop their business, to increase turnover or for other purposes related to business development. It is very difficult to take out a large loan without collateral, even if you collect certificates. And then the best option is a loan for an individual entrepreneur secured by an apartment.

The Housing Finance Bank is by far the most popular bank among individual entrepreneurs that provides loans secured by real estate. The issuance of the required amount of money to businessmen occurs without bureaucracy, unnecessary certificates and in the shortest possible time. Due to the fact that the apartment is collateral, the bank evaluates your credit history and your business more favorably. This gives a real opportunity to take out a loan for an individual entrepreneur without refusal.

Under what conditions can you take out a loan?

• The loan term is up to 20 years, and the rate is from 11%.
• Amount up to 8 million rubles (but not more than 70% of the market value of the apartment).
• If the apartment is owned by a spouse, then she can be indicated in the loan agreement as a mortgagor.
• Early repayment at any time without penalties or moratoriums.
• The apartment must be located in the cities where the bank operates: Krasnodar, Moscow, Nizhny Novgorod region, Novosibirsk, Omsk, Perm, St. Petersburg, Yekaterinburg, Kazan, Volgograd.

Business loan for individual entrepreneurs secured by real estate

In the last few years, P2B crowdlending projects have been actively developing all over the world, when individual investors lend to borrowers without the participation of credit institutions. In Russia today there are also such companies offering lending to small and medium-sized businesses on simpler and more understandable terms.

One of these companies is the investment and business financing agency “Money in Business”, which lends to individual entrepreneurs secured by real estate and without providing management, accounting and other financial statements.

The loan offer is inherently unique and cannot be compared with any other bank. If an entrepreneur urgently needs money, we recommend paying attention to this company.

Brief terms of the individual entrepreneur loan:

1. The minimum amount is from 500 thousand rubles for a period of 2 years with the possibility of extension.
2. Funds are issued strictly for targeted financing of your business.
3. It is possible to provide commercial or residential real estate, as well as real estate of third parties, as collateral.

Thus, answering the question of where to get a loan for an individual entrepreneur and how to get it is not so difficult. If the terms of a specialized loan for a small business are difficult to meet, it is possible to take out a standard consumer loan in an amount acceptable for starting a business. I hope the review of the conditions of banks issuing loans to individual entrepreneurs was useful for you and you will find financing for your business from the proposed list.

Lending programs for small and medium-sized businesses now exist in almost every major bank. For individual entrepreneurs and legal entities, they offer not just money, but targeted programs developed taking into account the needs of business owners and the characteristics of their field of activity.

What loans can you get to open and develop a business in Moscow?

Small and medium-sized businesses are offered several targeted programs:

• loan for current expenses: money is provided for any purpose;
• , for carrying out expenditure transactions and increasing inventory;
• for the purchase of commercial real estate and land;

Loan programs vary in the form of receipt. Many banks offer express lending, which allows you to urgently receive funds without guarantors and with a minimum package of documents.

A targeted loan can be obtained by both beginning businessmen and owners of long-established enterprises. Especially for startups, banks offer loans to small businesses from scratch. As part of this program, you can buy a franchise, a ready-made enterprise, and also receive financing for the development of a business developed according to your own business plan.

Loans for small businesses - conditions and requirements

Conditions vary depending on the bank and the purpose of the loan. Lenders consider applications from owners of enterprises with annual revenues of up to 400 million rubles. Special requirements are put forward regarding the period of activity of the company. The business should not be less than 3 months old (in some banks - at least 6-12 months).

Conditions depend on the loan program:

• rates from 11% per annum;
• a loan for a business from scratch in Moscow can only be obtained with a guarantor or secured by security;
• term – up to 5 years;
• When purchasing commercial real estate, transport and equipment, a down payment is required.

To get a loan to buy a business in Moscow, you will need to collect an extensive package of papers:

• personal documents of the business owner (passport, TIN);
• reports on the financial activities of the enterprise;
• constituent documents.

If the loan is issued to start a business, then the borrower needs to provide a business plan and documents on registration of an individual entrepreneur or LLC. When choosing a loan program, you should proceed from the goals, requirements of banks and your capabilities. A loan calculator will help you quickly calculate the monthly payment, interest and overpayment amount.