How to get a loan for business from scratch? Which banks and on what terms are loans for business from scratch?

Axiom of commerce - any business needsfinancial investments. This is especially true at the initial stage of activity. In order to earn money for the implementation of a business project, you must first invest in it. Large projects require large funds, small - a little smaller. But to get rid of expenses in principle under normal conditions is impossible.

Well, if a novice businessman hashave some money. And if not, there are several options from where you can legally get finances. One of them is to get a loan from the bank for business. Its conditions should be compared with the usual relaxed. Otherwise, the successful start of the project can not be seen. But here there are certain subtleties and roughness.

Risks for the parties

Commercial banks give credit only forinterest. On general terms or preferential, but in addition to the loan itself, you will also have to return the accrued interest. If the business is successful, then such a financial loan, no matter how heavy it may be, will pay for itself. And if not? An unfortunate businessman will lose not only his business, but also his property. And then it will remain a debtor with all the legal consequences.

It should be noted that for the bank issuing a loan fordevelopment of business is considered a risky transaction. An unconditional guarantee that the loan of the newly-born merchant, received for the creation of a small business from scratch, will be returned, no. In the worst case, when a version of the ruin appears on the horizon, an unsuccessful entrepreneur may, within a certain period (mostly a month) declare himself bankrupt and refuse to return the received monetary resources to the bank.

And yet, how to get a loan for business from scratch? It's not harder than getting a regular loan for training, improving living conditions, buying a car and so on.

Obligatory conditions

Despite such risks, credit on preferentialconditions for small businesses slowly, but still resumed. Including taking a loan for business from scratch there is an option under certain stringent conditions. However, there are no super-heavy unrealizable items in the contract:

1. Good credit history of the borrower. Difficulties in paying past loans, outstanding loans or outstanding payments can be the reason for refusing to issue a loan.
2. Professional business plan. The self-evident possibility of an early earning, albeit small, but sustainable, will force financial experts to agree with the borrower and issue the necessary solution.
3. Availability of employment, which gives additional income. The solid income provides an opportunity to successfully repay the loan received for the development of small business from scratch.
4. The presence of personal property, which can be mortgaged. This is a serious guarantee of a mandatory return of funds.
5. Presence of a reliable guarantor.
6. The existence of starting financial capital, which is approximately 25% of the required amount.

There are other circumstances in the matter of how to get a loan for business from scratch. It is worth considering at least some of them.

Banks

Where to get a loan to small business from scratch, to whichcan I apply to the bank? We must understand that, firstly, not all financial institutions give such loans, and secondly, the requirements and proposals of the bank are different, and the businessman, of course, wants to choose the most profitable option.

Those wishing to organize their own business, Russianscan accept the assistance of a number of financial institutions. Which banks give loans for business from scratch? A loan to small businesses from scratch is in several banks of the Russian Federation - more about them further.

VTB 24

VTB24 offers the most favorable rates forlegal entities registered in Russia, rather diverse conditions, including business loans for IP. Approaches to LLC and IP vary significantly. Often, the loan requires property as collateral. Specific examples:

1. Express micro. The loan is given in the amount of 30,000 to 600,000 rubles for a period of 3 months to 3 years. Personal security is not required.
2. Small loan. Financial assets are released on the security of personal movable or immovable property for a period of 3 months to 7 years. The volume of the loan is in the range from 600 000 to 30 000 000 rubles.
3. Under the contract. By issuing such a loan, the bank subsequently has a legal right to claim for amounts under the contract. The loan is issued for a period of 3 to 12 months. The volume of the loan varies from 150 000 to 6 000 000 rubles.

Sberbank

Sberbank issues a loan for a new business from scratch in the framework of the Business Start project. The financing is given for the existing business project. It is also possible for an entrepreneur to work on a franchise.

In addition, to design and developown business can join the credit program "Business Confidence" of Sberbank. It does not require strict accountability for the purposes and directions of lending. "Business Confidence" is:

• loan without guarantee of collateral;
• the amount of funds in the amount of 80 000-3 000 000 rubles;
• there is no commission;
• need a guarantor - the owner of the company;
• interest rate from 13.94% or more;
• the repayment period is in the range from 3 months to 3 years.

"Rosselkhozbank"

"Rosselkhozbank" presents individual loansproducts to strengthen small firms. There are no restrictions on financing. The main focus is the agrarian sector, but there are other areas of credit for starting a business from scratch:

1. Investment standard. The volume of the loan is 60 million rubles, the repayment period is up to 8 years. Postponement of payments - up to 1.5 years. A personal loan repayment schedule is possible.
2. For the purchase of equipment and / or equipment, a loan is issued only against the security of the equipment and / or equipment purchased. Postponement of payments - up to one year. The crediting period is up to 7 years.
3. On the acquisition of land. Is issued only on the security of the purchased land. Postponement of payments - up to 2 years. The crediting period is up to 8 years.
4. For the purchase of young animals, a loan is issued only on bail for purchased farm animals. Postponement of payments - 1 year.

"Alfa Bank"

In "Alfa-Bank" there are only two types of obtaining a loan for business. But at the same time, managers report activities with small and medium-sized firms as the most important priority.

Methods of financing

Modern banking methods for financingloans to start a business from scratch have a number of subtleties. And the main one is to minimize risks, as discussed above, and others (there are many of them to consider the full list).

First of all, before financial institutionsthere arises the task of determining the degree of financial risk in lending to small businesses that apply. Banks apply two methods, quite different in the degree of objectivity and depth of analysis:

1. The work of experts on the application. In this case, the adoption of a final decision on the allocation of a loan depends heavily on a highly subjective verification of the businessman's arguments by bank employees.
2. Another mass method for determining the magnitude of the risk- the use of an automated financial system of "scoring", which appeared half a century ago. Not burdened with any emotions, the program considers the points received, takes into account the overall results on the database specified in the application form of this client. Scoring is divided by types: according to the scores received (it is necessary to dial the assigned level, many referring do not reach it); against obvious fraudsters (through the examination of the behavior reveals the factors confirming the data on the non-targeted loan, a possible threat to the bank's assets); against irresponsible and frivolous clients-borrowers (the probability of delay is considered).

The process of obtaining

Obtaining a lucrative business loan for the IP involves a certain rigid procedure. Logistics actions for obtaining a loan for opening a small business:

1. To start, you need to send a reasoned request to the selected bank. It notes the form of activity, the specific loan program.
2. Then you need to provide data on the financialposition of your small business. It will require a loan for business from scratch and documents: you need to provide an ID card, TIN, a copy of the work book of a potential borrower, a certificate of income, documents confirming other income (deposit in the bank, shares of any companies, investments), securities that establish the right to real estate or other property that will act as collateral, and so on. Emphasis should be made on the amount of profit received, a positive credit history, the availability of additional earnings or other sources of finance that will help return money if it does not work.
3. If the application is accepted (and this, as a rule,occurs in most cases) and is considered, the concrete work begins - the terms of the loan are approved: the amount of funds, the chronological framework, the form of the loan.

Improve opportunities

How to get a loan for business from scratch? During the search for a loan for the development of their business, a beginning entrepreneur needs to select the bank as scrupulously as possible, in which he will then be serviced. Nuances:

1. Analyzing the situation of financial institutions, it is necessary to ask whether there are special offers (and what they are) for the development of small enterprises.
2. Important advice and recommendations of commercial partners, acquaintances and buddies in contact with a particular bank.
3. Loans are distributed more freely under an already existing business. The application with the attached draft of an unsettled case has little opportunity to receive financial support.
4. It is not bad that your firm was solvent, successfully developed at least six months.
5. In favor of a positive decision of the bank to issue a loan will be the presence of a certain deposit. As a mortgage, real estate objects, cars, technical equipment are usually considered.

Subjective factors

Moving on the question of how to get a loan for business from scratch, the bank is considering other factors, which seem to be completely subjective, concerning the borrower:

1. Current age. World practice suggests that the age at which a potential client is the most strong and able to work and can with great probability vouch for the process of issuing a loan is in the range of 30 to 40 years.
2. Formally formalized marriage. If the creditor is legally married, his probable chances of obtaining the requested loan for the existing business increase many times, because when a problem arises with the return of borrowed funds, the husband (wife) of the borrower will be able to connect to the closure of the loan.
3. Monthly regular expenses. A financial institution that credits small business development can also consider the amount of monthly expenses in the process of developing the entrepreneurial activity of the borrower.
4. Internal interior of office premises. The premises that the credited businessman has allocated as an office, the bank will inspect for the presence of communication facilities, business office equipment, several computers and good furniture.

Additional options

Asking about how to get a loan forbusiness from scratch, one must understand that there is an alternative possibility of obtaining potential financial assistance - ordinary consumer lending. A loan can be issued for an individual working in the company. As a deposit, you can use a personal car or real estate. The institute of guarantors is also applied.

To receive such a loan is not very difficult, howeverloans are not entirely beneficial to a businessman because of high interest rates. Therefore, it is better to think more, to look for options for obtaining seed capital. In most regions of our country there are now funds that provide financial support to small businesses. These institutions work on behalf of the state as guarantors for the loan, and can themselves offer small preferential loans to businessmen.