Sberbank long-term loan rates for small businesses. Pledge lending programs for individual entrepreneurs

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

Why Sberbank?

In fact, it doesn't matter in which bank and from whom to borrow money, the main thing is that they be as cheap as possible. And Sberbank seems to be offering more or less acceptable lending conditions. In addition, Sberbank has this moment most working capital, the chance of getting a loan from him increases by an order of magnitude.

And, of course, no one has canceled the stereotypical thinking of the population - Sber into consciousness Russian citizen, it is practically a state-owned bank, it is stable and loyal to the implementation of state programs for the development of small businesses.

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

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

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

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

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

you do not have to have an active business
you must invest in the financed business 20% of the equity
Borrower must be under 26 years, not older
and the borrower must without fail pass the training entrepreneurship course
a loan for a business from scratch in Sberbank can only be obtained if you provide a business plan, and it will be approved by Sberbank
or if you franchise famous brand(thus, you sort of go through a double stage of selection for the seriousness of your intentions, the first stage for the franchisee, the second for Sberbank)

As you can see, the conditions for lending to a young IP in Sberbank are not sugary, and this is not to mention the fact that you need to collect huge piles of documents at each stage of application approval, and the process of obtaining a loan stretches for months.

And what do you get by fulfilling all these requirements:

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

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

So what to do?

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

Other credit programs for individual entrepreneurs in Sberbank

Express loans

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

Kinds:

Express Mortgage
Express loan secured

Express mortgage can be issued for the purchase of a residential or non-residential property, and "express secured loan" is issued for any purpose.

Loan terms:

loan term up to 10 years
interest rate from 16.5%
amount up to 7 million rubles
loan collateral - immovable property
personal guarantee required
opportunity for free

Requirements for borrowers:

age from 23 to 60 years
experience entrepreneurial activity at least 12 months
business turnover up to 60 million rubles
required to have a checking account

Loans for any purpose

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

credit "Trust"
credit "Business Trust"
loan "Business Project"

The loan terms are very simple:

minimum loan amount 30,000 rubles
maximum loan amount up to 3 million rubles
loan term up to 48 months
annual interest rate from 18.5%
collateral is not required
but required
purpose of lending is not required
you can issue a security in the form of a Guarantee, which will reduce the interest rate
The bank is required to evaluate all economic activity entrepreneur

Loans to finance working capital

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

Loan programs for loans for individual entrepreneurs:

Business Turnover
Business Overdraft

Terms of lending under the program "Business Turnover":

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

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

Terms of lending under the program "Business Overdraft":

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

Loans for the purchase of capital goods

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

Loans for the purchase of means of production at Sberbank do not differ in terms from similar loans from other banks, and are somewhat similar to. Everything is the same - you need to collect a bunch of documents, make an initial payment of 20% or more, and immediately pledge the acquired means of production.

Credit programs:

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

Loans for bidders

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

Programs:

Business Contract
Business Guarantee

Conditions and requirements for the Business Contact program:

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

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

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, over the past year loan portfolio amounted to more than 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 client base financial organization. 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, instructions). 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.
Pledge by this product none, 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 new industry, or modernization current 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 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 proposal you can buy everything necessary equipment that you need to run your 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 to open own business, for determined aspiring entrepreneurs. You can read more about them here. Refinancing of loans for legal entities is carried out at a rate of 11.8% per annum, the maximum repayment period Money is 120 months.

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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.

Of all the loans, it is the most difficult to obtain a loan for the creation and promotion of a small business. Individual entrepreneurs(hereinafter IP) and private individuals running their own business are among the clients that banks least trust. Getting a loan to develop a small business from scratch is really difficult. And this situation is explained quite simply. If, when taking a mortgage on an apartment, you need to convince the bank that you have a stable average income that will definitely not disappear in the next eight years, then everything is much more complicated with a small business. Here, after all, the potential profitability, profitability, reliability, and survival of this business in the conditions of a shaky Russian economy act as a guarantee of the return of funds to the bank. The only additional security is a pledge of some valuable property of the borrower.

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

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

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

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

So the preparation is complete. I'm going to Sberbank. Here the procedure is as follows:

Filling out a questionnaire, where, in addition to basic information, a desire is expressed for a small business from scratch.
Choice of credit program. It is necessary to choose a special program "Business Start".
Passing registration in tax service as an IP.
Collection of all necessary documentation. This will require not only a standard set individual(passport, TIN, income statement 2-NDFL, military ID for men under the age of 27, pension certificate), but also additional documents related to business lending (business plan, certificate of individual entrepreneur or other form of organization, letter from the franchisor on cooperation, evidence of possession of some valuable property that can be used for collateral).
Applying directly for a loan to start and grow a small business.
Providing the bank with funds to pay off the down payment (or pledging expensive property).
Getting the money you want and starting your own business.

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

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

Requirements for the borrower

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

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

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

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

Factors affecting the bank's decision to grant a loan

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

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

No. 2. Statistical, automated system"Scoring" based on the application of mathematical methods. Under this system, all borrowers are sorted into groups, each of which is characterized by a certain degree of risk.

Sometimes the bank resorts to both types of analysis.

Other ways to get a loan

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

Sberbank is one of the TOP-3 credit institutions of the Russian Federation that actively support small and medium business. 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 Special attention pays 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 deadlines 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 repay financial liabilities 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 granted for the payment of the principal debt
Business real estate	150	limited only financial possibilities 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 entity; 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 trade enterprises. 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 customer base, operators identify a need for borrowed funds, then 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 of acceptance of its IFTS, SRO (if necessary), license (for licensed activities), passport of the decision maker). The "Conveyor" technology provides an extended the financial analysis activities of the applicant, 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 exceeds 5 million rubles, upon registration contractual relations a security officer must be present.

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.

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 repay financial liabilities 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

Best Small Business Loan Bank!

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.

Lending modes

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 acceptance of its IFTS, 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.