The table contains 11 banks that provide loans to entrepreneurs without collateral or guarantors. Interest rates and loan terms are indicated, as well as a list of required documents and requirements for individual entrepreneurs.

Banks providing loans to individual entrepreneurs without collateral or a guarantor

Bank	% bid	Loan amount, rub.
Sberbank ()	from 16%	up to 3,000,000
VTB 24	19%	up to 3,000,000
	20%	up to 6,000,000
MDM-Bank	from 15.25%	up to 2,000,000
UBRD	from 19%	up to 1,000,000
PrimSotsBank	from 15.5%	from 300,000
OTP Bank	from 34.9%	up to 750,000
Renaissance Credit	from 12.9%	up to 700,000
Sovcombank	from 19.9%	up to 1,000,000
VTB Bank of Moscow	from 14.9%	up to 1,000,000
Rosselkhozbank	from 14.5%	up to 750,000

When choosing a bank that offers loans to individual entrepreneurs without collateral, you should first of all pay attention to the requirements that it puts forward for the borrower. If all conditions are feasible and acceptable, then you can begin to compare amounts and interest rates. For example, for an unsecured loan, the bank may require proof of high income.

Requirements for the borrower

The requirements for a borrower without collateral become more stringent and must be complied with unconditionally. The standard conditions look like this:

• citizenship of the Russian Federation;
• residence, registration and doing business in the city in which the bank is located;
• age from 25 to 60 years;
• certain annual revenue (for example, more than 700 thousand rubles);
• age of the enterprise (the minimum age required by banks starts from three months);
• positive financial results (proof that the business is profitable);
• impeccable credit history.

The bank may put forward other individual requirements. For example, the presence of a certain staff of hired employees, letters of recommendation from suppliers and partners.

The purpose of obtaining loans for individual entrepreneurs also matters. The chances of getting a loan increase if it is aimed not at paying off debts, but... This can be confirmed. Not all banks offer targeted loans without collateral, but if such tariffs do exist, the interest rates on them are lower and the maximum amounts are higher.

Lending terms

The bank must be confident that the borrower will be able to repay the loan in full and pay interest. The most significant evidence of a businessman’s serious intentions is a pledge. If an entrepreneur cannot provide any collateral, he will not be able to take out a loan for large amounts. The maximum amount for such tariffs rarely exceeds 1 million rubles.

Interest rates on an unsecured loan are higher. On average it is 15-19% per annum. The lending period is usually short, so loans without collateral in some banks are equivalent to express loans. Funds are provided for a period from several months to 3 years.

Documentation

• passport;
• application form;
• certificate of state registration;
• latest financial and accounting statements;
• business plan (if a loan is required to open or expand a business);
• bank account statement (at the request of some banks);
• for an existing business: evidence of its work (acts, checks, invoices);
• lease agreement for non-residential premises.

The bank may request other documents confirming the fulfillment of all conditions for the loan. This could be a marriage certificate, an extract from the house register, or a military ID.

Other options

If banks refuse to provide a loan without collateral and without guarantors, and money is needed, you can use one of the alternative methods:

• . An individual entrepreneur can receive a non-targeted cash loan as an individual, but the amounts for individuals. There are much fewer people without collateral, and the interest is higher. Despite the unfavorable conditions, this option today remains the most popular among entrepreneurs who do not have valuable property;
• express loan - issued quickly, with a minimum package of documents, but for a short period and at high interest rates. Such a loan can also be provided by microorganizations;
• — available only to promising enterprises with socially important goals. Such financing is provided for specific tasks, and to obtain it, you will need to collect a large package of documents;
• investor assistance— finding a sponsor is not so easy; moreover, he needs to be interested and convinced of the profitability of the business. Innovative projects can try to get support from a venture fund, but this option is also only available to a unique idea with development prospects.

Sometimes a person comes home from work in the evening and realizes that he will not return there tomorrow. The realization comes that you have the strength and desire to become the master of your life. At this moment, the search for a profitable business begins, which, in addition to money, will also bring independence from the employer.

The main question, after choosing a field of activity, is where to get the required amount. The increased demand for loans to start a business has led to the fact that most banks have developed business development loan programs for individual entrepreneurs from scratch.

Before looking for a suitable bank, you must:

• Choose which line of business is most profitable for you, what is in demand by the consumer, what you are good at. Find out who your competitors are, in what numbers, and what advantages are in their offers. See what segment of the population will be your consumer. Find the right suppliers. Compare by season, as usual, the product/service is promoted. In economics this is called SWOT analysis.
• The biggest enemy of a novice entrepreneur is optimism in forecasts. Therefore, it is important to calculate the risks and the most unfavorable outcome.
• Calculate in detail all expenses and estimated income for the first 3 months of starting activities. This includes wages to employees.
• Find a premises that suits the chosen line of business. Pre-arrange the rental.
• Compile all calculations and business considerations and draw up a detailed business plan.
• Collect at least 20% of the amount required to start.
• Create an IP.

Standard conditions of banks when issuing a loan to start a business

The requirements are as follows:

• positive ;
• availability of own funds about 20% of the required amount;
• guarantees in the form of collateral real estate are welcome;
• availability of a business plan;
• guarantors;
• positive characteristics of the entrepreneur;
• IP documents;
• guarantees of solvency (work certificates, bank statements, etc.)

Which banks offer loans when creating an individual entrepreneur from scratch?

The vast majority of banks provide loans to individual entrepreneurs at least 3 months after the start of activities on favorable terms.

Only one bank now allows itself to lend to businesses from scratch. The main and so far unique in its offerings is Sberbank of the Russian Federation.

Other credit institutions are willing to accommodate entrepreneurs who have been successfully operating for at least 3 months. Offers for representatives of small and medium-sized businesses that have already started their activities are very attractive and extensive, ranging from acquiring and salary cards, financing an organization for the purchase of fixed assets to investing in business development.

Sberbank of the Russian Federation

Probably the most interesting and profitable offers for 2017 are from this bank. Now Sberbank offers loans in the amount of up to 3 million rubles.

The priority is the franchise. This type of business contains a minimum of risks, since the brand has already been promoted and all questions about starting a business have proven answers.

The bank cooperates with dozens of companies that are ready to sell a business on a turnkey basis with a developed business plan, calculated risks and full information about technical details.

Leasing - if your business is related to transportation or construction, then you can use the Sberbank leasing program and take commercial, construction, agricultural or other special equipment, cars.

In some cases, the presence of transport or a vehicle fleet is already a business loan. Sberbank Leasing is a company with 25 years of successful experience.

There are currently two programs:

Offered by this bank, it does not require specifying the purpose of receipt. You can use a collateral or unsecured program. Standard package of documents. When you receive such a loan, no one will know why you are taking it. You can start a business from scratch with such a loan, if the amount of the loan and your savings are sufficient for this.

Sberbank, like any other financial and credit organization, is interested in ensuring that borrowers are able to make payments on time and in full. Therefore, he offers several dozen ready-made business plans that are guaranteed to bring profit. In addition, the bank’s policy has shifted towards combining lending with training. Most aspiring businessmen are in dire need of improving their knowledge.

The Business Start program includes free training for aspiring entrepreneurs. The bank teaches and helps you choose the right direction in business.

So that a newcomer can more easily adapt to the new conditions of managing his own business and not become bankrupt, in the very first months of work, ready-made, developed and tested schemes and brands are offered. This is the essence of using a franchise. Under this program, you can register as an individual entrepreneur after the bank approves the loan.

• during the previous 3 months the person should not have owned a business;
• borrower age 20-60 years;
• guarantor – 21-60 years old, provides a 2-NDFL certificate or a tax return;
• loan amount 100 thousand - 3 million rubles, at the client’s request, for a period of no more than 3.5 years at 17.5% or more;
• down payment more than 40%.

Requirements:

• rental and renovation of premises;
• purchase of equipment;
• advertising.

Sberbank now acts as a lender, teacher, mentor and intermediary between aspiring entrepreneurs and large companies that are ready to start a small business. If you need an integrated approach to your undertaking and want guarantees of success, Sberbank is for you.

Alfa Bank

One of the first banks to practice fast lending to small and medium-sized businesses from scratch.

If the amount you need is less than 150 thousand rubles, then it will take 3 hours to submit an application, complete documents, open debit and credit cards. And the required amount will be transferred to your Alfa Bank card.

There are several offers running this year. Basically, to reduce risks, the bank finances a business from scratch only in the amount of up to 100 thousand rubles. And up to 50 thousand rubles. can be obtained in an even shorter time frame.

In other cases, the following conditions and requirements must be met:

• guarantee of spouses;
• borrower age – 22-60 years;
• availability of an active current account with Alfa Bank;
• Individual entrepreneur operating for more than six months.

Lending to an already registered individual entrepreneur under the “Partner” program:

• without collateral if the individual entrepreneur has been registered for more than 1 year;
• 500 thousand - 6 million rubles;
• term – from 13 months to 3 years;
• interest rate – 12.5% ​​subject to standard bank conditions. In other cases – 17.5% – 19.5% depending on the term of the loan;
• without collateral;
• issued only if you have an account with this bank.

This rate is valid if the loan repayment period is 13 months.

• considered 2 days;
• up to 40 million rubles;
• period – no more than 4 years.

Loan for individual entrepreneurs from scratch:

• term – up to 7 years;
• interest rate – 11.99%;
• amount – up to 3 million rubles;
• without collateral or guarantors.

Consumer loan in cash:

• rate – from 15.99% to 24.99% depending on the loan amount and repayment terms;
• without guarantors and collateral;
• amount – from 50 thousand to 1 million rubles;
• loan term 1-5 years;
• without insurance.

Applications can be submitted online through the official website of Alfa Bank.

A personal visit to the office with all documents, in such a serious matter, will be more beneficial and increase the likelihood of success. A loyal bank that always meets potential clients halfway.

Bank Tinkoff

It offers a number of programs for entrepreneurs, where the main advantage is the ability to carry out all operations online, via the Internet anywhere in the world.

The standard offer of this bank for small businesses:

• interest rate 20-30%;
• amount 3 thousand - 200 thousand rubles;
• period 3 months - 3 years

Requirements:

• passport;
• IP registration document;
• statement;
• the presence of guarantors or collateral (will reduce the interest rate).

Far Eastern Bank

• interest rate – from 12.5%;
• amount – up to 100 million rubles;
• secured by real estate, which in value covers the loan amount;
• or a guarantee of a third party (legal).

• cashless payments;
• in case of early repayment, the rate is reduced by 1%.

Other offers

Raiffeisenbank offers several programs for business, including “Classic-Lite” secured by property with an individual interest rate. But the IP must already exist.

In fact, loans for individual entrepreneurs from scratch in all banks except Sberbank of the Russian Federation are offered in the form of a regular consumer loan. And they act according to a standard package of documents.

Zapsibkombank issues loans for the purchase of fixed assets at 12.8% per annum.

Rosselkhozbank – program “Lending to SMEs” at 11% per annum for an amount of more than 50 million rubles. up to three years.

AK Bars Bank issues loans for 3 years under SME Investment at 15.8%.

A bank with suitable lending conditions must be selected, carefully considering each offer.

Having compiled a list of the most promising ones, consider all the programs and submit applications immediately to all credit institutions that you have chosen. After you are approved for a loan by several banks, choose the one where it will be beneficial for you to cooperate in the future.

How can I get a loan for business development?

You can apply for a loan online. Apply without leaving your home. If approved, the employees themselves call back, clarify the details, and offer to appear with a package of documents (they dictate the entire list) at the bank branch closest to you.

The easiest way to find money to start a business is to take out a regular consumer loan. This applies to the situation if you do not intend to contact Sberbank of Russia; the individual entrepreneur has not yet been registered.

Banks will issue you a loan, as a consumer, on general terms under any program convenient for you. Not all banks require the purpose of the loan to be stated.

The conditions and requirements for consumer loan borrowers of all financial and credit organizations rarely differ from each other.

The main requirements for a consumer loan borrower are:

• presence of a passport of a citizen of the Russian Federation with registration (not always);
• documents confirming financial stability and solvency;
• guarantors (most often the closest relatives);
• real estate secured (depending on the loan amount).

Applying for a loan to a start-up entrepreneur has different requirements.

Loan for individual entrepreneurs with zero reporting

Zero reporting is submitted by those organizations that did not start their activities or suspended them for some time. This means that the company did not receive income from its work for a certain amount of time.

Loans in such situations are quite difficult to issue. In such a situation, you cannot do without collateral and guarantors with guarantees of financial condition. Banks consider several reasons why an organization may have zero reporting:

• The individual entrepreneur has not yet started its activities;
• the company is on the verge of bankruptcy;
• true income is hidden;
• The company is going through a crisis.

Each of the reasons poses a risk for the financial institution not to recover the loaned money.

In order for the bankers to gain confidence, the entrepreneur, in addition to the usual package of documents, must provide the bank with other documents:

• passport with registration or residence permit;
• a completed application form (the form is issued by the bank);
• application;
• business plan (the requirements for it are quite strict);
• certificate from the Federal Tax Service;
• documents on collateral and independent assessment;
• individual entrepreneur data (name and other details);
• statements from the bank servicing the current account of the individual entrepreneur and its owner as an individual;
• guarantors with documents and certificates of financial solvency.

If all the documents are in order, there is property that is worth the value of the loan, and the guarantors call for material and moral trust, then the loan will be approved.

Small business support centers for lending without collateral or guarantors

You can contact such an institution with a minimum initial amount, but with an interesting idea. Also, in case of a zero declaration, it is in such organizations that they help to establish a business, correct mistakes and improve work.

The support center works specifically with entrepreneurs in their region and locality. The main condition is that your business idea must be relevant to the area where the individual entrepreneur will develop its activities.

It is not necessary to have a business plan; they will help you draw it up or correct the shortcomings of the existing one. The authority will help resolve organizational issues and correctly draw up documents for individual entrepreneurs.

Taking out a loan through the Small Business Support Center is easier than doing it yourself. Banks' confidence in this organization is high. In each region there are banks with which the Center cooperates.

Requirements for an entrepreneur:

• responsibility, serious attitude;
• a complete package of necessary documents;
• business plan;
• guarantee from representatives of the Center (if necessary).

Without a guarantee and collateral, an individual entrepreneur with a zero declaration cannot receive a loan, even by contacting the MB Support Center. The solution is a consumer loan for individuals. face.

If an entrepreneur is a conscientious taxpayer, has no debts to financial and credit organizations, is not on the “black list” of the banking system, has just started his business and has all the prerequisites for the successful development of entrepreneurship, then there will be no problems with obtaining a loan. The only question is the loan amount.

Banks limit the amount of money they can issue without guarantors and collateral. There are practices when a loan is issued against the security of manufactured products. This could be the sunflower grain harvest, construction projects.

As for residential buildings, this procedure is widely used throughout Russia. In this case, the bank acts as a customer, owner, investor until the building is put into operation.

During the period of monetary relations of purchase and sale with such real estate, all transactions pass through the lender bank. The system often leads to violation of the law by both parties due to miscalculations in the business plan and force majeure during construction and sales.

From a review of all methods of lending to individual entrepreneurs from scratch, the conclusion is that: the only bank that lends, and selects a suitable business, and connects with the right partners, and teaches the first basics to budding entrepreneurs is Sberbank of Russia.

In other cases, you should be patient, try to win a grant for creating an individual entrepreneur and, after 3-6 months of positive dynamics, apply for a guaranteed loan for your individual entrepreneur in any other bank.

In other cases, limit yourself to taking out a consumer loan without guarantors or collateral.

The main point is that you must have your own funds accumulated for the business.

Is it possible to take out a consumer loan for a business and what alternative options are there to support small businesses? Watch in the following video:

Oct 24, 2017 Help manual

You can ask any question below

Any business constantly requires investment of additional funds. And if friends and relatives cannot come to the aid of an individual entrepreneur, there is only one option left - contact the bank. In the article we will tell you whether it is easy to get a loan for an individual entrepreneur, which banks issue them, and also consider in detail the terms of the loan. Let's present some real customer reviews.

Conditions for obtaining a loan

The main thing that banks pay attention to is the client’s solvency.

Of course, for an entrepreneur, getting a loan is a very convenient way to solve problems. Money can be used for any need:

1. company development;
2. replenishment of working capital;
3. equipment of new workplaces;
4. expansion of the product base, etc.

The main factor that banks take into account when considering an application is the client’s solvency. Credit institutions assess possible risks. In this case, two categories of borrowers are considered - employees and business owners.

Banks are much more willing to issue loans of the first category - to employees. They can easily provide proof of their solvency - a certificate of income, a work book, a lease agreement. Not only salary, but also additional profit is taken into account as a source of income:

1. interest on deposits;
2. property rental;
3. pension;
4. benefits;
5. part-time employment.

Entrepreneurs cannot fully prove their solvency. Basic current income can still be confirmed by accounting reports, declarations and a ledger of income and expenses. But what will the income be in the future? To make an approximate calculation, banks require individual entrepreneurs to make a business plan. It must contain detailed information about what the borrowed funds will be used for and from what sources they will be reimbursed.

List of documents

To get money on credit, you need to decide on a bank and a program. Next, collect the necessary documents. Usually require:

1. passport;
2. military ID;
3. completed application form;
4. registration certificates;
5. extract from the Unified State Register of Individual Entrepreneurs;
6. license.

In addition, an individual entrepreneur must provide:

1. financial statements;
2. balance sheet;
3. book of income and expenses;
4. property collateral statement;
5. business plan.

You can provide a package of documents to several organizations at once, in case of refusals.

Reasons for refusal to issue a loan

Individual entrepreneurs who have the greatest chance of getting a loan:

1. Good credit history.
2. No criminal record.
3. There are no late payments.
4. Liquid assets owned that can be easily sold.
5. Duration of activity is at least 1 year.

The main reason for refusal is insufficient solvency. In this case, you need to develop a business plan in detail. Banks are biased towards individual entrepreneurs because they can easily complete their activities and close their business. Therefore, there is more trust in those who can provide property as collateral. Other factors for refusal are:

1. Delays in tax payments and contributions.
2. Salary debts.

To minimize the risk of failure, entrepreneurs are advised to:

1. Contact organizations where they have a current account through which funds flow regularly.
2. Provide the maximum possible number of documents that confirm the quality of the business.
3. Maintain a positive credit history.
4. Have no outstanding loans at the time of application.

Types of loans

Typically banks offer the following types of loans.

1. Express loan. Suitable for clients who urgently need to receive a small (within 100 thousand rubles) amount of money. Interest rates are usually high, but the application process is very simple - you only need a passport and a driver's or pensioner's license. Spending areas are also limited.
2. Consumer loan. Spending purposes are not limited, but business ideas are not included. It can be taken by individuals only if there is no intention to use the funds for the development of the company. Otherwise, the bank will refuse to issue it. The interest rates are lower, but you will need to collect more documents. When borrowing large sums, a guarantor or property registration as collateral may be required.
3. Target program. Special lending programs for different types of businesses. They are offered for use for specific purposes - for example, the acquisition of expensive property. It also becomes collateral for the loan. Interest rates are correspondingly much reduced.

In addition, there are government programs aimed at supporting small and medium-sized businesses. Many banks support them. In this case, the Small Business Assistance Fund can act as a guarantor for the loan. Condition – the entrepreneur must work for at least 3 months. Regional budgets can also offer their assistance. All loans offered to individual entrepreneurs can be divided into:

1. Loans for starting a business. Banks can issue them under state and municipal programs. A business plan and collateral (the borrower's own property or acquired assets) are required. Duration – up to 3 years.
2. Loans for business development. They have a mandatory target direction. Usually this is the replenishment of working capital, the purchase of materials, raw materials and assets.

Thanks to a large number of banking programs, individual entrepreneurs can solve their problems. The advantages of lending include:

1. availability of special programs;
2. individual approach to the client.

Of the minuses it is noted:

1. high interest rates;
2. long registration period;
3. mandatory confirmation of solvency.

Banks with loans for individual entrepreneurs

Many large banks in the country provide assistance to entrepreneurs. They offer many programs. Let's take a closer look at whose offers are the most profitable.

Sberbank

1. For entrepreneurs whose income does not exceed 400 million per year, the following programs are provided: “Business turnover” (from 150 thousand rubles, for a period of up to 4 years, at 14.8%), “Business real estate” (for the purchase of real estate , term up to 10 years, at 14.7%), “Business overdraft” (up to 17 million, at 12.9%, up to 1 year).
2. Express loans for individual entrepreneurs with revenue up to 60 million per year: “Trust” (up to 3 million, for 3 years, at 19.5%), “Business Trust” (without collateral, up to 3 million, for 4 years , at 18.9%).
3. Leasing programs for the purchase of vehicles. You can get up to 24 million for up to 21 months, an advance payment of 10% is required.

VTB 24

1. "Overdraft". From 850 thousand rubles, for a period of up to 2 years, at 18.5%.
2. "Revolving Loan". It is provided on the same terms as Overdraft, only the interest rate is lower - 16%. Designed to replenish working capital.
3. “Loan for collateral property.” An amount of up to 150 million for a period of up to 10 years is issued for the purchase of property pledged to the bank. A 20% down payment is required.

"Bank of Moscow"

1. "Overdraft". An amount of up to 12.5 million rubles is issued for a period of up to 1 year. Directions: paying taxes, issuing salaries to employees.
2. "Business Perspective". From 3 to 150 million for a period of up to 5 years, to replenish fixed assets. Conditions are individual.
3. "For development." Owned property is accepted as security. Amount – up to 150 million, term – up to 60 months.
4. “Turnover” - an amount from 1 to 150 million to replenish working capital for a period of up to 2 years. The percentage is set individually.

"OTP-Bank"

1. "Express". Small loans without collateral or commission. Amounts up to 750 thousand, up to 1 year at 35%.
2. "For business people." For entrepreneurs whose period of activity is at least 12 months. Issued 200 thousand for 3 years at 29%.

Submit your application

Bank "URALSIB"

1. "Entrepreneur". For individual entrepreneurs, for any purpose without collateral or guarantors. If there is property, the interest rate may be reduced. Amount – 750 thousand for 5 years at 22%.
2. "Business trust". Loan to entrepreneurs for any purpose. A guarantor is required. You can get up to 3 million for up to 3 years at 20%.

Rosselkhozbank

1. "Become a farmer." Targeted loan for the development of a business sector such as agriculture. You can get up to 15 million for a period of up to 10 years. Down payment – ​​10%. It is necessary that the client be a participant in the target program.
2. "Express". Loan up to 1 million rubles, guaranteed. Down payment – ​​10%. Targeted loan to replenish working capital.
3. "Rational loan". The same target loan, but with a larger amount - up to 30 million, for a period of up to 5 years. Not only is a guarantor required, but also a collateral.

• financial turnover during the last year;
• duration of business activity;
• entrepreneur's credit history;
• availability of permits and licenses to conduct activities provided for by current legislation;
• small business sector.

By collaborating with the Finardi brokerage agency, the client will be able to count on a loan for individual entrepreneurs without collateral, which will bring real benefits to the organization, and not new problems in the form of endless payments and unreasonably increased interest rates. Specialists will diagnose in advance each indicator that will be considered by the bank in order to identify strengths and weaknesses, assess the borrower’s chances and draw up an effective strategy of action. Due to the fact that many banking organizations are partners of the company, clients of the brokerage firm are the priority of the lender and are served out of turn. This fact alone increases the chance of getting an individual entrepreneur loan without collateral, as well as significantly reducing the process of issuing funds for business development.

Credit application

Loan to entrepreneurs: conditions

An individual approach to the client’s case and a thorough knowledge of the intricacies of lending allows experienced brokers to obtain a loan for entrepreneurs without certificates or guarantors in the amount of from 200 thousand to 4 million rubles. Having a positive credit history, an entrepreneur can even count on a low rate of 15% per annum. The credit period is usually from 5 to 7 years. Through the efforts of the brokerage agency, the client will not have to attract guarantors and issue a deposit. The only requirements for taking out a consumer loan for an individual entrepreneur are registration on the territory of the Russian Federation, the absence of current arrears and compliance with the credit age from 21 to 70 years. In this case, you will need a list of documents: Taxpayer Identification Number, passport, declaration and premises rental agreement.

Very often, the reason for a loan refusal is incorrect reporting, this is especially true for a new enterprise that does not yet have a full-time accountant. The professionals of the Finardi office will help you collect documents, check the accuracy of your accounting reports, give recommendations on how to solve existing problems, select a reliable lender and submit a well-written application.

Advantages of cooperation with broker Finardi

By helping to obtain loans to entrepreneurs without collateral, the company willingly cooperates remotely. One of the advantages of working with a professional broker is a transparent remuneration system, no prepayment and no hidden commissions. If, despite the best efforts of the brokers, the client is denied a loan, the company does not charge for its services. Another important point is the official activity of the company, which in most cases makes it possible to receive a reduced interest rate, as well as reduce the time for consideration and decision-making by the creditor. Specialists also offer assistance in choosing a profitable program without pitfalls, especially if it is a loan for an individual entrepreneur from scratch without collateral.

To increase the chances of a positive decision, company employees turn to partner banks and their employees whom they know personally, and also submit an application to several banking structures at once. Brokers facilitate the issuance of loans to budding entrepreneurs, even taking into account a damaged loan history, urgency and the presence of several refusals. Focus on results, guarantee of absolute confidentiality, transparency and security of the transaction, as well as some of the most affordable tariffs in the region - these are the main advantages of Finardi.

Order a broker service in Moscow

Due to well-established remote work, an entrepreneur can send a request for a loan not only in Moscow, but also in other cities of Russia. To start cooperation, just contact the agency. This can be online or a telephone call, during which the company will be able to familiarize itself with the case in general terms, obtain basic information about the client, advise on issues, familiarize the potential borrower with the pricing policy, and also formulate a plan for further action. Applying for a loan for entrepreneurs is an excellent solution for receiving cash injections into a business.

In the article, we reviewed the conditions of 5 banks that provide loans to start-up entrepreneurs. We also collected the entire list of documents required to obtain a loan and listed the main reasons for refusal.

Types of lending to beginning businessmen

Various forms of financing are available for aspiring self-employed entrepreneurs. Among them are:

• to purchase a franchise banks issue funds more readily than according to a business plan. As proof of intentions, you must provide the bank with an agreement with the franchisor;
• An overdraft is provided by the bank servicing the entrepreneur's current account. This is an opportunity to pay bills “on credit”, even when the businessman does not have enough funds;
• government benefit programs allow you to receive small amounts for a large package of documents. To obtain government funding, you will have to go through many authorities. For example, you can receive a subsidy in the amount of an annual unemployment benefit (no more than 58,800 rubles);
• non-bank credit organizations they also provide funds to start-up businessmen, but as a rule, for short periods and at high interest rates;
• private loan - funds are taken against a receipt from a private person;
• the venture fund finances innovative projects and unique developments;
• consumer loan- the last option for individual entrepreneurs who cannot get a business loan. It is easier to receive money as an individual; it can be used for any purpose, but the amounts of such loans are much smaller.

Where to get a loan for a start-up entrepreneur

“Business Invest” is a loan for starting a business or purchasing working capital. The maximum amount of approval is limited only by the wealth of the businessman, which is determined by the collateral.

To receive money, an entrepreneur must operate for at least 3 months. The repayment schedule can be developed individually. The Business Turnover tariff is available exclusively to small enterprises and individual entrepreneurs with annual revenues of less than 400 million rubles.

VTB 24

You can fill out an application for a loan for aspiring entrepreneurs immediately on the bank’s official website.

This bank issues loans for starting businesses in the field of agriculture (purchase of land, equipment, grain, livestock, and so on). The purchased property is pledged or a guarantor is required.

The minimum amount is 100 thousand rubles. The bank extremely rarely approves the issuance of money to entrepreneurs who started their activities less than a year ago.

Ural Bank for Reconstruction and Development

The Business Growth tariff is available exclusively to persons from 20 to 65 years old. Collateral is not required, but guarantees from persons capable of influencing the development of the business are required. “Express credit,” on the contrary, requires collateral, but at the same time allows for a negative credit history.

The “Business Development” tariff is issued on the security of real estate or any other valuable property of the entrepreneur. To determine the interest rate, bank experts analyze the solvency of the business.

Features of lending to start-up entrepreneurs

A businessman at the beginning of his business should not be surprised by inflated interest rates on loans, because he is not the most desirable borrower for the bank.

During a startup, it is not yet entirely clear whether the entrepreneur will be able to receive the necessary profit and, accordingly, repay the loan. Funding a business start-up is a risky business for banks, so they treat lending to projects from scratch with extreme caution.

Before going to the bank, you need to take into account all the nuances that increase your chances of getting a loan. These include:

• , which illustrates in detail where the funds will be sent and how they will be returned to the lender;
• the property provided as collateral guarantees the solvency of the bank client;
• guarantee from an organization with a good credit history (ideally, this is an existing client of the selected bank who can vouch for a young colleague and recommend him as a responsible borrower);
• investing your own funds in a business also indicates the serious intentions of the borrower (it is advisable to invest at least 30% of the amount required for a startup into the business).

A business plan, collateral and a guarantor will not only help in approving a loan, but also help reduce the interest rate. Without collateral, an entrepreneur can only count on inflated interest rates.

A certificate of income from your place of work will help reduce your loan rate. Therefore, if there is an opportunity to open a business without leaving your job, it is better to take advantage of it.

Documents for obtaining a bank loan

To obtain a loan, an individual entrepreneur will need:

• passport with registration;
• confirmation of registration with the tax office and the Unified State Register of Individual Entrepreneurs;
• if property is provided as collateral, confirmation of ownership (spouse’s permission to use the collateral);
• business plan;
• if the individual entrepreneur was registered more than three months ago - the latest statements and statement from the current account.

Detailed information about how to take out a loan and what documents are needed should be checked on the bank’s official website, since each financial institution has its own requirements.

Reasons for bank refusal to issue a loan

If, based on the results of the analysis of all the documents, it comes to the conclusion that the business will not bring profit, and the entrepreneur will not be able to pay off all his debts.

Delays in previous payments and other “stains” on your credit history can permanently block an individual entrepreneur’s access to credit. The client's potential solvency is carefully studied, and if the bank discovers debts on any payments (rent, taxes, alimony), it has the right to refuse to issue a loan without giving a reason.

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