There are many products on the market for small businesses. Many of them are too expensive, many of them do not solve problems well enough or do not touch upon points that are important for small businesses. All these possible shortcomings are taken into account and corrected in innovation system Sberbank Online for small businesses.
Benefits of the Sberbank Online service for small businesses
The ability to reduce costs and simultaneously solve all the tasks facing the business is the main advantage of working in the Sberbank system:
- Opening a bank account is absolutely free.
- Favorable rates are provided to all users of the system.
- Opportunities to save on full-time specialists due to the built-in online assistants of the system.
- Special offers for business education.
- Favorable offers from the bank's partners on financial and business services and products.
- Full security of all company data and ongoing operations.
- Flexibility of the system and the ability to adapt to specific business needs.
- Easy and fast connection to the system in just 1 visit to the bank.
- The ability to work remotely in the system from any device: computer, tablet, phone (if the Internet is available).
- A 24/7 support service will help you deal with any issue related to working in the system.
- Very user-friendly interface for easy and fast work with the system.
To visually appreciate all the advantages of working with the system, just go to Sberbank Online for small businesses, log in to the system and start your work.
What operations are available through the Sberbank Online website for small businesses?
The main operations that can be performed in the system include the following:- preparation and sending of electronic payment documents;
- making payments (from 06:00 to 23:00);
- online accounting, which will allow you to quickly calculate taxes and perform other operations without special in-depth knowledge;
- balance control Money On account;
- tracking the status of preparation of documents;
- search necessary documents(including through the filter system);
- creating and working with directories of the company's counterparties;
- integration with 1C (import-export);
- operations with document flow without visiting the bank;
- creation of templates for the convenience of working with typical operations.
All operations allow not only to automate important business processes, but also save money on staff and paperwork. And control tools allow you to quickly monitor the state of affairs in the company.
By visiting the official website of Sberbank Online for small businesses, you can personally familiarize yourself with complete list possible useful operations of the system.
The largest bank in the country - Sberbank of Russia does not disregard small business. For this category of clients financial institution not only developed a separate line of products and services, but also took care of the infrastructure and development of SMEs.
What kind of support can be obtained from Sberbank? We will tell you more about financial services and information support, as well as special offers from SBRF for small businesses.
Sberbank Business Development Centers
Business Development Centers (CRH) from Sberbank are an infrastructure for micro and small businesses. Even those businessmen who are not bank clients can become a visitor to such a center.
The list of services provided by the CRH includes the following:
Information is power, and the clients of the Business Development Centers are the first to receive this most valuable resource and learn in a timely manner about all the innovations in the legislation, great deals on obtaining bank services, flexible tariffs and special promotions.
Business representatives can use any of the services offered free of charge and at any convenient office of the Central District Hospital. They are suitable for all entrepreneurs and firms that plan to grow and develop taking into account modern realities.
Project "Business Environment"
Sberbank of Russia has taken care not only of providing financial services, it also provides information support to business entities. It is for this purpose that the portal " Business environment» is a web resource that accumulates materials that are interesting and useful for entrepreneurs.
The following areas are available on the Business Environment portal:
- Distance learning for entrepreneurs and business owners (video lectures, seminars and webinars, online tests for beginners who want to write a business plan and start their own business);
- Online trading floor for transactions in in electronic format with Russian and foreign partners;
- Applications and online services for automating and organizing business processes;
- Control available to business banking services;
- Business social network for businessmen;
- Online publication with articles on relevant topics.
An important point in successful development a company can become its name. What to pay attention to and we have already figured out.
It is useful for entrepreneurs to use the acquiring services offered by many banks -.
What are annuity loan payments?
Providing tender guarantees
If you still do not know about the cession agreement, then general idea You can find out more about it by clicking on the link.
To consider the application to the bank, you need to provide a passport and a business plan, as well as financial documents of the company, if it is already operating. It is advisable to first go through special training from Sberbank for newcomers to business in order to increase the chances of approval of the application.
Other SBRF loan offers for small businesses
Sberbank also has other loan programs for this category of clients. So, small and medium-sized businesses can take advantage of offers not only for a loan for the start of a project, but also apply for the following loans:
- Without collateral for any purpose;
- For replenishment;
- For the purchase of assets (equipment, vehicles, real estate);
- To refinance existing debts;
- To launch new projects;
- Bank guarantees;
- Leasing of machinery and equipment.
On the SBRF website, small businesses have access to all information about these programs and other services of Sberbank of Russia for. There you can also get acquainted with the tariffs, terms of registration and parameters of the services themselves.
Universal electronic document management system E-invoicing
To simplify the procedure for exchanging documents with counterparties, Sberbank offers to use the E-invoicing online service. Application electronic document management increases the speed of circulation of official papers, ensures their safety at no extra cost, and also minimizes the risk of errors and loss of important reports.
Moreover, this service not only provides interaction with commercial structures: suppliers, customers and other contractors, but also with government bodies, including helping to automate .
Access fee for online service E-invoicing and sending 1000 outgoing documents - 295 rubles per month, for each additional document you will need to pay 2.95 rubles. For this reason, such an electronic document management system is best suited for small businesses.
Sberbank strives to be more accessible to small businesses. For this reason, special services for electronic payments and document management appear, preferential terms on credit products, a variety of financial services, taking into account the specifics of small businesses. The bank is even ready to take on the training of entrepreneurs and company owners to help develop their business.
Video: a representative of Sberbank of Russia talks about current offers for small businesses:
The possibility of credit support for business owners is often the only way development and growth in its business segment. But from right choice A lot depends on the lender: after all, even a small difference in the interest rate can affect the ability to repay the loan. But the parameters of the loan depend not only on the interest rate.
Sberbank of Russia consistently commands the greatest confidence among borrowers. We will talk about it in this article.
Lending programs
Entrepreneurs are interesting clients for the bank, since usually relations with this category of borrowers are long-term, and have development options.
Often, borrowers who took a loan from a bank to develop their business switch to it for settlement and cash services, use and organize a salary project.
Therefore, Sberbank of Russia has developed a line of loans to help small businesses, which covers almost all industries of interest to the client.
On this moment The bank offers merchants:
- a loan for any purpose (suitable for beginners);
- loan for replenishment of working capital (for operating business);
- loans for the purchase of equipment;
- loans secured by existing equipment and goods in circulation;
- bank guarantees;
- leasing;
- business mortgage.
And, most interesting option for those who have already managed to take a loan from another bank and it turned out to be unprofitable -. Thanks to it, the borrower can transfer all his existing loans to Sberbank, and receive a reduced interest rate and more favorable terms of service. This program is equally interesting for both individual entrepreneurs and small business owners.
FOR REFERENCE: Those who have credit programs can be divided into conditional groups: short-term, long-term, for the acquisition of property (leasing, business mortgage), investment (working capital replenishment, overdraft, for the purchase of goods and equipment).
On the pages of our site you will also learn about. Let's talk about the features of the conclusion of the contract and the possibility of terminating it!
Read about how to get a Sberbank corporate card, as well as how such an offer is beneficial for individual entrepreneurs.
We will tell you all about, the advantages and disadvantages of such a product, as well as the procedure for its design, on our website!
You will learn what types of letters of credit are, their characteristics and nuances when making such a transaction.
Read what are the conditions for leasing a car for legal entities, as well as its advantages over conventional lending.
Documents and procedure for obtaining a loan
And now let's talk about what documents are required from a merchant to apply for a loan, and how the procedure itself takes place. Consider the situation on the example of the product "Trust".
Before contacting a bank branch, an entrepreneur will need to collect a number of documents. The standard package is:
- personal documents of the founder (individual entrepreneur);
- for individual entrepreneurs - cash book, tax reporting;
- for LLC - constituent documents;
- personal documents of the guarantor - an individual (passport, income statement, TIN, SNILS);
- documents on property in the property - a standard package for both individual entrepreneurs and LLC (for loans with collateral).
After the documents are ready, you need to contact the bank branch to the manager. Beforehand, he will conduct a full consultation and help you choose the right loan product.
After accepting a package of documents and filling out a loan application form according to the client's words, the manager will send it to the bank. Within 1-5 working days, Sberbank analysts will evaluate the application and make a decision on issuing a loan.
If property or goods in circulation are used as collateral for a loan, then the date of departure of the expert appraiser to the place of business is set.
After the final decision is made, Sberbank notifies the borrower about it and sets the date for signing the contract. After that funds are issued in cash at the bank's cash desk (for small loans) or transferred to the bank account of the organization.
From this video clip you will learn even more about loan offers from Sberbank of Russia to support small businesses:
As you can see, there is nothing complicated, and the registration procedure is not much different from standard lending. individuals. If the bank needs additional documents during the consideration of the application, they can be brought to the branch or, as agreed, sent by e-mail to the bank manager.
In contact with
Small business and entrepreneurship at any stage of development need additional funding for new projects. Without loans to cope with the costs that arise in the process of doing business commercial activities, pretty hard. However, it is not always possible to obtain borrowed funds, due to the high risk of entrepreneurship. To get a loan for an individual entrepreneur in Sberbank, you need to carefully prepare, analyze the needs for attracting additional funds on this moment and for the future, and success in approving the application will largely depend on the package of submitted documents.
In 2018, there is a whole line of loan offers for entrepreneurs and business owners. Correct calculation of loan parameters and optimal choice products are the key to future commercial victories.
Overview of the loan program for individual entrepreneurs
There are two options for obtaining a loan at Sberbank for individual entrepreneurs:
- with security (pledge, guarantee);
- without security.
For small businesses, several areas of lending have been developed, depending on the goals and required volumes. The main tools used by entrepreneurs are the programs presented on the official website: “Trust”, “Business-Trust” or “Express on bail”. The choice of a business loan depends on the readiness for collateral.
A special loan calculator will help you determine the optimal program and calculate the interest rate.
Getting a loan from Sberbank for an individual entrepreneur is a difficult undertaking, because a financial institution will need to provide proof of the security of the transaction.
The non-targeted lending product "Business Trust" offers the following conditions:
- The term is not more than 3 years.
- The rate is not less than 12%.
- At the request of the client, the bank is ready to provide a 3-month deferral of principal payments, while maintaining interest payments.
- The amount of the credit line is from 0.5 million rubles. The maximum amount of financing is calculated based on the value of collateral: 60% of the real estate appraisal from the housing stock, 50% of market price on commercial property, 90% of the amount on promissory notes and certificates of deposit.
The objects of pledge can be:
- commercial real estate or residential property;
- promissory note, certificate of deposit issued by Sberbank;
- industrial real estate (warehouses, buildings).
The procedure for issuing and processing collateral is determined by the leading specialist of the bank, assessing the risks and nature of the collateral.
A demanded product of Sberbank for individual entrepreneurs is the Doverie loan, which allows you to introduce new ideas in order to expand your business and increase production volumes.
Program parameters:
- As the name of the product implies, a loan for individual entrepreneurs without collateral.
- The percentage of accrual is 16.5% per annum.
- Maximum amount borrowed money limited to 3 million rubles.
- The money is issued with the condition of repayment within a 3-year period.
An excellent opportunity to quickly get what you need for entrepreneurial activity the loan is provided within the framework of the program "Express on bail". In return, the bank will require registration as a pledge of property of an individual entrepreneur - real estate or equipment.
Lending terms:
- The limit of funds is from 300 thousand rubles. The maximum loan amount is 5 million rubles.
- Loan repayment - within 36 months. The minimum return period is at least 3 months.
- The accrued rate is from 15.5% per year. Assigned at the discretion of the creditor, but not more than 17.5%.
Thanks to the Business-Invest product, an entrepreneur gets a chance to acquire or build new real estate objects necessary for conducting business. The purpose of lending can also be repair work.
As part of the program, an individual entrepreneur can refinance existing debts on leasing or a loan from another bank.
The main parameters of the offer:
- Repayment - within 10 years.
- Accrued interest - not less than 11%.
- You can take a loan in the amount of 150 thousand rubles.
Using this product, an individual entrepreneur gets the opportunity to attract a small amount for a long time, with a minimum percentage overpayment.
The terms of the Business Asset program allow you to apply for a loan for an individual entrepreneur in Sberbank in order to purchase the equipment necessary for entrepreneurship.
Characteristics of a business development loan:
- Term - no more than 7 years.
- The minimum percentage is 11%.
- Credit line - more than 150 thousand rubles.
The offer "Business Contract" is designed specifically for individual entrepreneurs who plan to carry out activities related to the provision of various contracts (with the state, for the domestic market or export).
Main characteristics:
- Loan repayment - within 3 years.
- The rate is not less than 11%.
- Substantial funding can be obtained to enable large contracts to be handled. The limit of funds is 600 million rubles.
Target option "Business Real Estate" will help to acquire property intended for commercial use:
- Loan repayment - up to 10 years.
- Percentage - not less than 11%.
- The minimum loan threshold is from 150 thousand rubles.
The choice of a program must be commensurate with the intended use of funds, because when considering an application for a loan, the bank will proceed from the validity of the application of the individual entrepreneur.
Whatever the loan for individual entrepreneurs is chosen, the conditions, taking into account the high risk of the lender, look attractive and provide a minimum overpayment of interest.
If you are going to take a loan secured, it must be borne in mind that only property registered on an individual entrepreneur, and not an individual, can become an object of security.
As with ordinary physical borrowers, the bank sets its parameters for a successful candidate and acceptable loan terms:
- The age of the applicant is 23-60 years old, with Russian citizenship and a bank account, registered in the region territorially related to the selected branch.
- The entrepreneur must have a certain work experience - at least six months. In some cases, the period of compulsory activity has been extended to one and a half years (construction, installation, repair, cleaning services, transportation, wholesale trade).
- If more than half a million is requested, a guarantor is involved.
- In case of misappropriation of funds, a report on how the funds were used is not required.
After receiving the documents and the application, the bank checks the information and assesses the risks within three days, after which it informs about the decision made.
Despite the impossibility of obtaining a large loan without collateral or a guarantor, an entrepreneur always has the opportunity to receive a regular classic loan as an individual up to 1.5 million rubles. The percentage overpayment will be higher, but the registration process will be significantly reduced.
For a financial institution, it is important that the business that requires borrowing is successful and stable. After all, in case of ruin, it will be extremely problematic to return the funds, and the amnesty will lead to bank losses. The position of the individual entrepreneur will help to find out the documents submitted along with the application.
The list of documents for an individual entrepreneur loan looks quite extensive, but with detailed consideration it becomes clear that most of the papers are available. Otherwise, the conclusion of the IP loan agreement has an algorithm of actions similar to the issuance of a classic loan to ordinary citizens:
- Collection of papers according to the list transferred by the employee of the department.
- Application submission and 3-day waiting for a response.
- As part of the "Express on bail" program, the bank will appoint an additional peer review pledge object.
- Signing a loan agreement together with a collateral agreement.
- Transfer of funds to a current or special current account after its opening with Sberbank.
The new possibility of sending an application online significantly reduces the time for making a preliminary decision, allowing you to do without visiting the branch.
The most important stage, on which the future result of the consideration of the application depends, is the preparation of a list of supporting documents.
The required documents for obtaining a loan are listed below:
- Documents proving the identity of the applicant (passport, military ID for men of military age, SNILS, TIN, confirmation of registration at the location of the bank).
- Certificates of registration with the Federal Tax Service, registration with the USRIP.
- Accompanying documentation (license, certificate of admission to a certain kind works, documents on rent, employment, papers on used real estate).
- Financial statements (you will need a note that it was accepted by the Federal Tax Service, documents on tax deductions).
When attracting a guarantor, they collect personal documents, certificates confirming labor income (2-NDFL) for six months.
In addition to the above papers, financial structure reserves the right to request additional information, for example, on the subject of collateral.
It is difficult to issue and receive a loan from Sberbank for individual entrepreneurs due to the strict parameters put forward. Faced with the impossibility of approval, entrepreneurs often consider an alternative lending option for a classic consumer loan.
Another caveat that must be taken into account when intending to apply for a loan for an individual entrepreneur: a loan obligation can be issued only 1 time, when you re-apply for a new loan, the chances of a positive decision are zero. This nuance makes it especially careful to determine the requested loan amount, increasing it by 10-20% above the estimated costs. The deferred funds will help to overcome difficulties if additional funding is required during the implementation of a new project.
Other circumstances compelling to apply for a consumer loan are the impossibility of negotiating terms for start-up sole proprietors from scratch, as well as the need to quickly receive funds on a loan in cash without the need for a subsequent report on the expenditure of funds.
Sberbank issues loans to entrepreneurs on favorable terms, they can borrow money for the development of small and medium-sized businesses for a long time. The bank offers several programs to choose from. The conditions are different, businessmen can independently choose the loan term, interest rate and other indicators.
Sberbank loans for small businesses
Sberbank issues loans not only to working citizens and pensioners. Sberbank offers loans to small businesses at a reduced rate.
Several programs have been developed for small businesses; they have become the face of a financial organization. The bank not only issues loans at a low interest rate, but also offers preferential settlement and cash services (RKO). Numerous smart apps and a loan calculator make the loan offer even more profitable.
Targeted loan "Business Start"
For the first time, the bank offered entrepreneurs a credit line from Sberbank "Business Start" in 2011. She immediately received positive reviews, but later "Business Start" from Sberbank was improved.
In 2015, instead of it, new programs appeared, the bank's specialists offer them to clients today. These are the "Trust" loan for small businesses and the "Business-Trust" credit line. The bank also offers settlement and cash services, and the Easy Start product has been developed for start-up entrepreneurs.
RKO opens for free, you do not need to pay for maintaining an account. The offer is suitable for novice businessmen who have just opened their business, and individual entrepreneurs who have been registered with the Federal Tax Service.
A banking product that includes a credit line and cash settlement is more interesting than getting a single loan.
For any purpose
When the company is just starting its work, it is not yet clear how much will be allocated for the purchase of equipment, rental of premises and other needs. In this case, the entrepreneur needs a loan for which there is no strict reporting. For such cases, Sberbank has developed the following products:- "Confidence";
- "Business Trust";
- Express bail.
The first 2 loan programs do not require the businessman to provide the bank with information about the purposes for which he spent the funds.
"Trust" is suitable for newly registered individual entrepreneurs and LLCs. Money can be spent on the current needs of the enterprise or on its development. No deposit required. The loan is issued for up to 36 months, you can take up to 5 million rubles. at a rate of 15.5%. Those business owners and individual entrepreneurs whose annual revenue does not exceed 60 million rubles can issue a financial product. There are no commissions, the application for a loan received from the client is considered within 3 days. Additionally, with a loan, you can issue a business card with a grace period of 50 days.
"Business Trust" is a loan that is issued both with and without collateral. An application for its issuance is considered within 3 days. For loans with collateral, the bank offers a low interest rate of 12%. Analysis financial activities the borrower is carried out in a simplified mode. After issuing money, a businessman does not need to notify the bank about the purposes for which the borrowed funds were spent.
If an entrepreneur chooses "Business Trust" without collateral, the interest rate rises to 15.5%. The loan term is 36 months. There are no commissions, the maximum loan amount is 3 million rubles. Confirm intended use funds are not needed.
For the purchase of equipment
Industrial enterprises cannot work without equipment. Sberbank offers loan programs designed not only for small businesses, but also for larger businesses. large companies. Owners, having issued a loan, can direct funds for the purchase or modernization of production.
The following target programs should be highlighted in the product line:
- "Business Active";
- Business Invest.
Sberbank has developed the Business Asset program for start-up entrepreneurs. The requirements for the borrower are not strict, so newcomers to the business can take advantage of the offer.
The offer is also suitable for those entrepreneurs who have enterprises operating long time. The loan can be issued for 7 years, the minimum loan amount is 150,000 rubles. A favorable rate of 15.2% per annum will not become a burden.
As part of the Business-Invest program, the owners of the company will have the opportunity to repay the loan ahead of schedule. The issuance of funds and early repayment is carried out without commission.
The money received under the program can be used to expand the business. If the need arises, it is possible to get a delay of 12 months.
It is easy to receive cash on the security of goods and other inventories. The loan term is 120 months, the rate is 11%.
A profitable loan will be issued by agricultural producers, it minimum size is 150,000 rubles. The remaining borrowers will receive 500 thousand rubles. and more.
Lending to legal entities in Sberbank is carried out with and without collateral, an insurance policy is required for property. To increase the loan amount, the borrower can attract guarantors, they can be as legal entities as well as private.
For the purchase of real estate
Companies that belong to medium-sized businesses and small businesses can get loans from Sberbank and use them to purchase real estate necessary for the development of the company.
Entrepreneurs will choose the appropriate option from the following:
- "Express Mortgage";
- "Business-Invest";
- "Business Real Estate".
Under the first program, borrowers will receive up to 10 million rubles. The bank issues a loan for 10 years at 15.5%. The real estate available will be mortgaged. If it is not available, the acquired area will become collateral.
The advantage of a loan is that it is quickly issued, while the bank imposes minimum requirements on the borrower.
By choosing "Business Real Estate", you can get 150 thousand rubles. and more. The loan term is 10 years. The banking product is distinguished by a favorable rate of 11.8%. There is no upper limit on the amount, but when setting the limit, Sberbank pays attention to financial position client.
For the purchase of vehicles
If you need to purchase vehicles, business owners can apply for "Business Auto". This target program, so the funds should be directed only to the purchase of transport.
The minimum loan amount is 150 thousand rubles. Entrepreneurs will take money from the bank at 12.1%. The maximum loan term is 8 years.
Leasing
Leasing schemes for the purchase of various types of equipment are often used, among the owners of firms they are very popular. The reason is that such programs provide an opportunity not to use personal funds in circulation for the transaction. It also provides tax incentives.
Sberbank Leasing is a derivative structure of the largest representative financial sector Russia. Since Sberbank participates in this scheme, lending to enterprises is carried out only on favorable terms.
There are several variations in the use of bank funds when it comes to acquiring various kinds of equipment. financial organization offers the following leasing programs:
- purchase of a personal car;
- purchase of commercial vehicles;
- purchase of freight transport;
- purchase of special vehicles or mechanisms.
The minimum term of the contract is 12 months. The maximum amount that the bank is ready to offer does not exceed 24 million rubles.
To replenish working capital
Businesses often lack working capital, Sberbank for small businesses has developed special loan products. Among them, it is worth highlighting 2 types of overdraft: "Express Overdraft" and "Business Overdraft". Entrepreneurs will benefit from the Business Turnover loan.Under the terms of the Business Turnover loan, there is no limit on the amount of credit. The loan is provided for 4 years, the interest rate is from 11.8% per annum.
Overdraft loans are issued for 1 calendar year. The interest rate on the Express Overdraft loan is 15.5%, the maximum loan amount is 2 million rubles. The Express Overdraft loan is issued according to a simplified scheme and requires a minimum of documents.
It will take longer to obtain a loan, as the borrower must meet certain requirements of the bank. But this loan is more profitable than the previous one in terms of the interest rate, which is 12.73% per annum. Having issued it, business owners will receive an amount of up to 17 million rubles.
Sberbank bank guarantees
The loan product "Bank Guarantee for 1 Day" is one of the services that Sberbank offers to individual entrepreneurs and LLCs, it guarantees the latter the fulfillment of all agreed obligations.
The service is popular among businessmen, this is due to a number of advantages that it has. These include the following:
- High processing speed. It takes 1 day to issue a guarantee.
- The client is not required to open an account and provide a guarantee.
- There are no strict requirements for the customer.
Sberbank offers 1 more type of such service - "Business Guarantee". It is similarly provided to small businesses. It also has its merits, which include a small guarantee for issuing a guarantee, which is 2.66%; the guarantee is provided for a maximum of 3 years; the smallest guarantee amount is 50 thousand rubles, there are no restrictions on the largest amount.
Other offers from Sberbank
A financial institution for business has created many lending programs, one of the most popular is refinancing. This is a loan that is used to pay off a previously taken loan.
When refinancing, the borrower is interested in the new loan being calculated on favorable terms, issued at a lower interest rate.
The lending program created for business has become popular. The organizers of the project are the Federal Corporation for Small and Medium Enterprises together with Sberbank PJSC. Discounted conditions are available for members. The loan rate is 9.6% for small businesses and 10.6% for medium businesses, the maximum loan amount is 1 billion rubles. The terms of debt obligations are calculated individually.
Conditions
A financial institution offers loan products, the conditions of which are very different. Entrepreneurs must determine the most profitable ones themselves.
Interest rates
Businessmen get access to bank money at 9.6-17%. The rate is influenced by many factors from the solvency of the borrower to the presence or absence of collateral.
Pledge
The bank can issue loans without collateral and with its provision. Loan terms vary.
Available amounts
Most often, entrepreneurs have access to amounts from 150 thousand rubles. up to 24 million. For a number of products, the upper limit is not limited, it depends on financial condition companies.
Loan terms
Overdraft is issued for 1 year. The minimum duration of the leasing program is 1 year. The maximum terms for banking products in business development are 8-10 years.
Requirements for borrowers
For credit programs that are designed for small businesses, entrepreneurs whose company turnover does not exceed 60 million rubles can apply. in year. A loan for individual entrepreneurs will be issued on the same terms.
Documents and procedure for obtaining loans
Documents required for the conclusion of contracts are of 2 types. A passport is mandatory, it is presented individual entrepreneur, while LLC is required statutory documents. Often a business plan is needed. Obligatory are certificates of registration and registration, an application for a loan (it can be done online) and a questionnaire filled out according to a bank template.
The list of additional securities varies depending on the type of loan issued. If a mortgage is issued, then you need to present documents related to the property.
