Many aspiring entrepreneurs face financial hardships during the start-up phase of a business. The easiest way to solve this problem is through government concessional lending. There are many programs under which the state allocates funds to developing enterprises at low interest rates. In this article, we will tell you what you need to do in order to receive a preferential loan as assistance to small businesses from the state in 2019.
Perspectives
In 2019, the government of our country plans to revise the conditions for lending to small businesses. In particular, the annual interest rate on loans from banks will be set at 10-11% per annum. In addition, the active support of the Central Bank of the country will ensure refinancing of projects with a minimum rate of 6.5%. The maximum threshold is 11%.
In addition, a geomarketing navigator system will be launched, thanks to which entrepreneurs, without additional research, can receive comprehensive information about their chosen market segment. For this, more than 200 business plans have been developed in 75 areas of entrepreneurial activity. If this project is approved, government assistance for the development of small business in 2019 will be a pleasant bonus for start-up entrepreneurs who start their own business in such difficult economic conditions.
Types of government assistance to small businesses
Federal programs
For 10 years, the government of our country has been allocating funds to regional budgets that are intended to support small businesses.
In a crisis, the government can count on help for business:
- Aspiring entrepreneurs;
- Manufacturing enterprises;
- Eco-tourism companies;
- Organizations whose activities are related to folk art.
Small business support
It should be noted that assistance to small and medium-sized businesses from the state is expressed not only in financial support, but also in the provision of various free services.
This could be:
- Education (seminars, trainings, etc.);
- Consulting on legal and economic issues;
- Organization of fairs and exhibitions to promote goods and services;
- Provision of land plots and production facilities.
Subsidy from the Employment Center
Everyone knows that before that, you need to find the start-up capital. If you do not have your own savings, you should not immediately run to the bank to take out a loan. Beginning entrepreneurs can get government assistance in starting a small business through the labor exchange.
For this you need:
- Register with an employment center as unemployed;
- Develop a competent project with calculations and a detailed description of the planned activity;
- Apply for participation in the competition.
The commission will review your plan and make a decision. If it is positive, you can register an individual entrepreneur or LLC, get money and start working. Such financial assistance from the state to small businesses is provided free of charge, but the entrepreneur must submit to the regulatory authorities a detailed report on the intended use of funds.
Property support
There are several other types of assistance to start-up entrepreneurs from the state in 2019:
Before applying for participation in the competition, you need to collect all the necessary documents, including confirmation that you have not received any grants or cash subsidies before. In addition, it is necessary to undergo training in special entrepreneurship courses that operate under regional funds for supporting small businesses.
Loans
If for some reason you were denied gratuitous financial assistance, you can get a loan for a small business from scratch from the state at 5-6% per annum.
This type of state support is available for enterprises:
- Developing innovative production;
- Focused on import substitution or production of export products;
- Engaged in the production of oil and gas equipment.
In other words, in 2019, enterprises that operate in priority sectors of the economy will be able to receive preferential loans to small businesses from the state.
The procedure for obtaining a preferential loan
How to get help for small businesses from the state in 2019? First of all, you need to contact the partner fund bank, provide all the necessary documents, and submit an application. After that, you need to wait while the bank considers your application and makes a decision. If the borrower is unable to post the collateral, the financial institution will email the client's documents and an application for surety to the above fund.
The application must be reviewed within three working days. If a positive decision is made, an agreement is drawn up between the credit institution, the fund and the entrepreneur. Since we are talking about profitable, before making a decision, the fund conducts a thorough analysis of the borrower's business in order to assess its financial stability.
Where and how to get a loan for small business?
It should also be noted that a loan from the state as assistance to small businesses can also be obtained from a regional or municipal fund. Beginning entrepreneurs are given small loans for a short period. Microcredit is perfect for businesses with short production cycles. If things go well, a businessman can count on more impressive assistance to small businesses from the state in 2019.
Another beneficial instrument of concessional financing is a back-to-back loan. This option can be used for implementation. The state grants small loans that are intended to pay off the main loan. Thanks to this, the client receives a deferral of interest payments for a period of up to one year. During this period, he can calmly engage in the development of his business.
The easiest way is to develop some kind of innovative project. In this case, you can count on active support from the state, since such activities have a positive effect on the development of science.
To whom are preferential loans issued?
To date, preferential loans for start-up entrepreneurs have become available in many banks. Preferential conditions in different credit institutions have significant differences, but, despite this, the main trend can be distinguished - this is a low interest rate, a long loan repayment period and a simple registration procedure. Concessional lending is an ideal option for implementation.
Since much less funds were allocated for federal subsidies in 2019, the regions will finance only the most priority areas of entrepreneurial activity - agriculture, innovation, scientific and technical development, and production of essential goods. According to experts, this is the social sphere and housing and communal services. These areas of activity receive comprehensive support from the state.
There are also restrictions on obtaining soft loans. Such a loan cannot be counted on by persons who:
- Have gone bankrupt or are on the verge of bankruptcy;
- In the past, they received a soft loan, but did not pay off the debt;
- Have any debts to government agencies.
03Sep
Hello! In this article, we will tell you about how to get a small business loan from the state.
Today you will find out:
- What are the types of loans from the state for business.
- Who can get government support.
- Which authorities to turn to for help.
- What documents need to be collected.
The government offers an alternative - state support for small businesses. But before turning to the authorities for help, you should understand what type of government loan will be optimal for you - this is where we start.
Types of loans from the state for business
In 2017, the government actively supports start-up entrepreneurs and provides assistance in the form of material support such as:
- Microfinance for small businesses;
- Guarantee from the state;
- (gratuitous loan);
- Compensation payments;
- Tax relief.
Now we will consider each of the types of state support for small and medium-sized businesses separately.
Small business microfinance
Each region of the Russian Federation has a microcredit fund for small and medium-sized businesses. It is he who promotes the issuance of borrowed funds to entrepreneurs on a preferential basis.
Credit conditions are different in each region. A significant advantage of this type of lending is its availability: money is provided regardless of the area of employment.
There are only some restrictions that are determined by each region independently. For example, for Moscow it is limiting the amount of a loan to a young entrepreneur.
Average conditions for obtaining a soft loan:
- or physical () on the territory of the constituent entity of the Russian Federation in which the loan will be received;
- From 50 thousand to 1.5 million rubles (restrictions on the amount may be imposed depending on the field of activity of the organization);
- The interest rate of a concessional loan is from 8 to 12% and will depend on the prospects of your business, market needs, the borrower's solvency, the amount of borrowed funds and the term of the loan, the type of security;
- The money is provided against security: collateral, surety, pledge of a product in circulation, etc.
- The loan is issued in a non-cash form;
- If the conditions for the provision of money are not met, penalties are provided in the form of an increased percentage;
- There is a limit on the number of loans;
- The duration of consideration of documents for the provision of funds is from 5 to 10 days, depending on the region.
State guarantee
In this case, the money will be given to you by a commercial bank, and the state fund represented by the Federal Notary Chamber will act as a surety. However, it should be borne in mind that not all commercial banks participate in the state program. A complete list of them in your region can be obtained on the official website of the government of the Russian Federation.
Unlike the first option, the receipt of funds under a government guarantee does not differ in terms of conditions from a regular loan. The consideration of the application will not be quick. Also, be prepared for the fact that the fund will not guarantee for the entire amount, but only for a part.
The most likely to receive a guarantee of the fund are enterprises in the social field for serving citizens, manufacturing and industry, innovations. When considering an application for a surety, the fund pays special attention to the number of jobs created by the organization.
Subsidies
A subsidy is the most coveted type of state support by entrepreneurs. The thing is that it is provided to businessmen free of charge.
However, not all entrepreneurs can get a subsidy.
Businessmen need to comply with rather harsh conditions to obtain:
- You must be registered with the Employment Center as an unemployed person;
- Answer the questions of the psychological test in the same Employment Center;
- Complete training in the direction of "entrepreneurship";
At the same time, all spending of state money must correspond and be documented. After the entrepreneur receives a positive response from the Center, he must register his company. Only after that the money will be credited to the account.
It often happens that an entrepreneur is denied a subsidy. A grant can be allocated for the purchase or, equipment or goods for sale, intangible resources. This should be stated in your business plan.
Grant
It is also provided to businessmen at no cost. The disadvantage of grants is that not everyone can get it.
The following are eligible to receive a grant:
- Beginning entrepreneurs (they have been in business for no more than 12 months);
- Entrepreneurs who do not have tax debts, loans;
- Businesses that create many jobs.
Also, in order to receive a grant, the sphere in which the organization operates is important. Each region defines these areas independently.
Compensation payments and tax breaks
In this case, the state simply compensates the entrepreneur for part of the money that he spent on business development.
Such relief can be counted on: companies producing innovative products, enterprises producing import-substituting goods, as well as service providers.
As for tax breaks, in 2017 a novice entrepreneur has the opportunity to take the so-called. They consist in exempting a businessman from paying taxes for two tax periods.
You can take advantage of the vacation if:
- You are an aspiring entrepreneur;
- Organization on one of the following taxation systems: or;
- Are you involved in manufacturing, social security, or science.
Borrower requirements
Let's take a closer look at what requirements for applicants for state support are presented to receive a particular benefit. Information is given in the table.
| Conditions for receiving | Important features | |
| Microfinance | - registered in the region where funds are received; - the loan must be secured by property |
- goal: development of small and medium-sized businesses; - loan terms - |
| State guarantee | - the bank must participate in the state program; - you must be an active organization for at least 6 months; - registration in the region of obtaining a loan is required; - you do not have problems with creditors and tax; - it is necessary to repay a certain percentage of the loan with your own funds (set in each region) |
- Priority activities for financing are: production, innovation, construction, services, transport, tourism (in the Russian Federation), education, medicine, housing and communal services. - Does not apply to the extraction and sale of minerals, gambling, banking and insurance activities, securities funds, pawnshops |
| Subsidy | - the importance of business for the constituent entity of the Russian Federation. Each subject has its own significant areas (you can find out the priority areas of activity for your region on government resources); - availability of a business plan that must meet certain criteria (also set in each region); - the entrepreneur must invest a certain amount of his own funds (depends on the program) |
Funds are issued for the acquisition of: - raw materials and supplies; - production equipment; - intangible resources. The term for using the funds is limited. Typically 1-2 years |
| Grant | - entrepreneurial activity has been conducted for less than a year; - the businessman does not and did not have problems with loans and borrowings ("clean" credit history); - the company creates a certain number of jobs; - you did not receive other government benefits; - availability of own funds |
Funds are allocated for the development of medium and small businesses |
| Compensation payments |
Borrowers can be: - manufacturers and developers of an innovative product; - sellers of import-substituting goods; - organizations involved in the provision of services |
Purpose of spending: development of medium and small business |
| Tax incentives | - employment in entrepreneurial activity for no more than a year; - you are a member of the taxation system: PSN or STS; - assistance is provided to firms engaged in science, production, providing services to the population. |
To summarize, we can say that government assistance is available for:
- Novice businessmen ();
- Organizations engaged in the production of products, the development of innovative products;
- Enterprises providing services to the public;
- Entrepreneurs have no problems with loans.
Where to go
For each material benefit, a certain state body is responsible, to which the entrepreneur must apply.
Microfinance is handled by the Entrepreneurship Support Fund in your region. To get a loan on preferential terms, you need to collect a package of documents (it is different for individual entrepreneurs and legal entities).
You can familiarize yourself with this issue in more detail on the official website of the fund in your region, we will name only the main generally accepted documents:
- Application and questionnaire of the applicant, as well as the guarantor;
- Entrepreneur data;
- Constituent documents;
- Extract from the register of small and medium-sized businesses;
- Certificate of entry to / and extract from there;
- Copy of the applicant's passport;
- Copy of SNILS;
- Activity licenses;
- Accounting and tax reports.
After you have collected all the documents, you should apply for a loan to the Support Fund. You can also download such a statement on the official website of the Fund for your region.
For a government guarantee, you must apply with all the necessary documents to a bank that participates in a partnership program with an entrepreneurship promotion fund.
The bank itself will assess the possibility of state support and submit the application to the fund, which will consider it within three days. An application for a surety should be attached to the standard package of documents required for obtaining a loan.
A subsidy or grant can be obtained from the labor exchange. To do this, you must meet a number of conditions, which we have already described above. The package of documents for obtaining a subsidy includes an application and a business plan.
You can get compensation payments at the employment center. To do this, provide a business plan and a corresponding statement.
To obtain tax benefits, you should contact the tax office, where you will receive information about the documents that will need to be collected.
Non-state support for small business
If you do not qualify for government assistance, you can apply for non-government assistance to small businesses.
Such assistance is provided by non-state funds at banking organizations, it is expressed in the form of a grant. At the same time, a non-state grant can be issued both with a refund and on a gratuitous basis.
The grant is received on a competitive basis. In this case, the members of the commission will assess the economic benefit of the project.
You will have to attach to the standard package of documents for a grant, which will describe the product and its cost.
One of the most common problems faced by entrepreneurs is the lack of equity capital. If a businessman does not have sufficient experience, it will be difficult for him to get money from companies or individuals. An excellent solution in this situation will be loans to small businesses from the state in 2018, which can be obtained on favorable terms.
Varieties of state aid to small businesses
Even during the economic crisis, the state provides support to start-up businessmen. Loans to small businesses from the state in 2018 can be provided in the following forms:
How to get a loan
Microfinance is the simplest method of obtaining a government loan. This state support is provided for beginner businessmen. To obtain a loan to develop a business from scratch, you need to send a request to a special fund that provides assistance to small businesses. By correctly filling out all the documentation and proving the possibility of a subsequent refund, you can significantly increase the chances of obtaining a loan.
Microfinance is carried out on the following terms:
You can also use the surety. The SME Support Fund can become a guarantor, after which the loan will be issued by the bank participating in the implementation of this program.
To get a small business loan from the state in 2018, you must:
A non-repayable subsidy is considered the best option for obtaining a small business loan provided by the government. The program is implemented through the employment service. It aims to reduce unemployment.
The main stages of obtaining a loan from the state in 2018
The funds provided by the state have a designated purpose. This means that they cannot be spent on their own needs. Government departments monitor the costs of the subsidized enterprise. This means that an unscheduled check can occur at any time.
After receiving and spending money, it is required to report on their intended use. All transactions must have documentary evidence - payment order, invoice or check. Upon receipt of funds for the opening of jobs, it is required to send copies of labor agreements to the regulatory authorities. If some employee was fired, then within 2 weeks a new employee must be arranged for the vacant position.
When the report is submitted, a representative of government agencies can come to the entrepreneur to verify the documentation with the presence of the purchase made. If the funds are spent for other purposes, the businessman will have to return the amount received in full.
Where to get a loan?
Subsidies from the state are carried out through the local government of the employment center. Also, such activities are carried out by centers for the support of small businesses, which are in all regions of Russia. They have partnerships with municipal governments.
In the local administration, you can get a small business loan from the state in 2018. At the next stage, you can write a statement. This can be done through the employment center in your region. After that, you need to prepare a project plan. It is important to make a number of calculations, for example, the payback period of the business and its profitability. During a special meeting, the submitted application is considered. With a positive decision, the entrepreneur will be issued a loan.
Let us remind you that the funds provided can be used solely for their intended purpose:
Russian cities where you can get a small business loan from the state in 2018
| Arkhangelsk | Kazan | Novosibirsk | Syktyvkar |
| Astrakhan | Kaliningrad | Omsk | Tambov |
| Barnaul | Kaluga | Eagle | Tver |
| Belgorod | Kemerovo | Orenburg | Tomsk |
| Blagoveshchensk | Kirov | Penza | Tula |
| Bryansk | Kostroma | Permian | Tyumen |
| Vladikavkaz | Krasnoyarsk | Petropavlovsk-Kamchatsky | Ulyanovsk |
| Vladimir | Mound | Pskov | Ufa |
| Volgograd | Kursk | Rostov-on-Don | Khabarovsk |
| Vologda | Lipetsk | Ryazan | Khanty-Mansiysk |
| Voronezh | Magadan | Samara | Cheboksary |
| Ekaterinburg | Moscow | St. Petersburg | Chelyabinsk |
| Ivanovo | Murmansk | Saransk | Chita |
| Izhevsk | Nalchik | Saratov | Yuzhno-Sakhalinsk |
| Irkutsk | Nizhny Novgorod | Smolensk | Yakutsk |
| Yoshkar-Ola | Novgorod | Stavropol | Yaroslavl |
To effectively promote small businesses may be required. The page tells you how to get a loan with a bad credit history. And it describes in detail how to calculate a loan for building a house at Rosselkhozbank.
Summary
The volume of loans issued to SMEs in 2017 increased by 15%, however, the volume of debt, according to the Central Bank of the Russian Federation, decreased by 7%. The shrinkage of the portfolio is due to the reduction in the number of companies in the register of SMEs as a result of its renewal. According to the Agency's estimates, the SME loan portfolio excluding changes in the register showed an increase of 10%. The growth was facilitated by a decrease in the cost of funding and an increase in state support for SMEs, which is sold mainly through large banks. As a result, the concentration on banks from the top 30 in the issuance reached a record 66%, and the quality of their portfolios improved in contrast to other players. A further increase in state support, according to the Agency's forecast, will increase the volume of SME debt in 2018 by 15%.
The SME loan portfolio has been shrinking for the fourth year in a row, however, excluding the update of the register of SMEs, according to estimates RAEX (Expert RA) showed an increase of 10%. So, excluding the update of the unified register of SMEs in August last year, the volume of indebtedness of small and medium-sized enterprises in 2017, according to our estimates, increased to 4.9 trillion rubles. The growth of the portfolio correlates with the dynamics of loans, the volume of which, according to the results of last year, turned out to be the highest in the last three years and amounted to 6.1 trillion rubles. The positive trend was due to the continuing decline in interest rates on loans to SMEs during 2017. In addition, an increase in the limit under the Six and a Half Program and the launch of a new program of concessional lending to SMEs at 6.5% had a positive effect. A limited list of credit institutions had access to participation in state programs, which led to an increase in concentration in the SME lending segment at the largest banks.
The share of banks from the top 30 in issuing loans to SMEs last year reached 66% against 57% a year earlier, having updated the maximum since the publication of statistics by the Bank of Russia. As a result, the total volume of loans to SMEs issued by banks from the top 30 in terms of assets amounted to 4 trillion rubles as of 01.01.2018, which is 34% higher than the results of 2016. While banks outside the top 30 show negative dynamics: the volume of loans provided to SMEs in 2017 decreased by 9% and amounted to 2.1 trillion rubles, as a result of which the loan portfolio fell by 24% (versus -15% in 2016) up to 1.4 trillion rubles. Sberbank remains the leader in the rankings in terms of the volume of the SME loan portfolio and loans, which increased its portfolio by 17% in 2017, and the volume of loans issued to SMEs by 60%. The three largest participants in the ranking in terms of the size of the SME loan portfolio also include PJSC "VTB Bank" and PJSC "MinBank".
The volume of overdue debt in 2017 decreased, but its share in the loan portfolio of SMEs remains high. The volume of problem loans in the SME portfolio decreased over the past year by 7% and amounted to 623 billion rubles, while the share of overdue loans in the total loan portfolio of SMEs increased by 0.7 percentage points. amounted to 14.9% as of 01.01.2018. At the same time, the sharp increase in the share of overdue loans on SME loans, noted in August 2017 (from 13.7% to 15.5%), was largely due to a significant reduction in the volume of the SME loan portfolio due to the renewal of the unified register of SMEs. The portfolio quality of small banks is still worse than that of large market participants. In addition, the Agency notes a significant increase in the gap between the level of delinquency in the loan portfolios of players from the top 30 and other banks: as of 01.01.2018, the difference was 10.2 p.p. against 2.3 p.p. on 01.01.2017.
The dynamics of lending to SMEs in 2018 will be determined by further state support for SMEs and increased competition between banks for a quality borrower. The increase in the limit on the new program of subsidized lending to SMEs at 6.5% will increase the demand for borrowed resources from small and medium-sized businesses. Market concentration on major players will continue to grow. Against the background of the revival of SME interest in borrowed funds, banks, primarily large ones, will compete for the best clients, offering flexible credit terms and additional services. In this regard, already in the first half of 2018, the volume of loans issued to SMEs may significantly increase against the background of improving macroeconomic conditions: annual inflation in February amounted to 2.2%, as a result, the key rate was reduced by the Bank of Russia to 7.25%.
According to the forecast of RAEX (Expert RA), the volume of the loan portfolio of SMEs in 2018 will grow by 15% and will amount to about 4.9 trillion rubles (the data of the official statistics of the Central Bank of the Russian Federation are taken as the basis for the calculation). In its forecast, the Agency includes an average annual oil price of $ 60 per barrel, an inflation rate of no more than 4% for 2018 and a key rate cut to 6.5% by the end of the year. At the same time, the volume of overdue debt, according to our estimates, will remain at the same level and will continue to restrain the issuance of new loans. The dynamics of lending to the SME segment in 2018 will largely be determined by the development of state support programs for SMEs, increased competition, mainly among large banks for a quality borrower, as well as by banks' policies in terms of approaches to assessing the financial position of their clients.
When drawing up a high-quality business plan for starting or expanding activities, replenishing and modernizing fixed assets, many entrepreneurs are looking for profitable ways to attract additional funds. Loans for small businesses benefit from the speed of registration, minimum rates and a large selection of programs over the offers of private investors:
- Express loans - up to 200 - 300 thousand rubles to increase working capital. Individual entrepreneurs and legal entities engaged in trading activities can apply for a loan.
- Microcredit - up to 1.5 million rubles to replenish fixed and circulating assets. The preference is given to companies engaged in trade and production activities, providing services.
- Small loans - up to 5 million rubles. Representatives of small and medium-sized businesses can apply for the issue.
- Loans under the Agro + program - up to 1 million rubles. entrepreneurs specializing in the agricultural sector.
- Overdraft (expense in excess of the account balance) - up to 1.5 million rubles. to increase turnover. The program is designed for lending to legal entities.
- Credit lines - the amount is calculated on an individual basis, depending on the turnover on the account. Funds are provided only to legal entities.
- Credit cards - up to 100 thousand rubles. for small purchases and travel expenses. Loans are issued for individual entrepreneurs and legal entities of different spheres.
Depending on the choice of the program, the bank evaluates the documentation from 1 day to 2 months. Additional benefits are provided to customers who have a current or bank account.
To whom are they borrowed?
Within the framework of programs of international financial organizations, the issuance of loans is not available to companies offering the population alcohol and tobacco products, gambling business, real estate or c / b. Banks make a negative decision when applying for a loan to create a statutory fund and repay current obligations.
They are wary of manufacturing companies. Owners of small manufacturing shops (shoemakers and tailors) can apply for a loan with a long business record, a wide range of raw material suppliers and a client base.
Loyal conditions are provided:
- Trade enterprises (to increase working capital) - shops, public catering or beauty salons.
- Car carriers applying for a loan for the purchase of a vehicle.
- To farmers (loans are issued within the framework of the Agro + program).
Banks do not lend money to start a business. More chances to get a loan to change activities or develop a new business line.
Lending objectives
Loans are provided to entrepreneurs for different purposes:
- To cover additional costs.
- For maintenance and repair of buildings, structures.
- Equipment modernization.
- To start a business.
Who falls under the category of borrowers?
A number of requirements are imposed on entrepreneurs applying to a bank for a loan:
- Legal status - individual entrepreneur or legal entity, joint-stock company or individual with equity participation.
- Place of registration - preferential registration of the company and the implementation of activities on the territory of the bank.
- The period of doing business is from 6 -12 months. from the moment of registration.
- The maximum number of employees is up to 100 people.
- Confirmation of the absence of imposed arrests and prohibitions.
Business owners, as individuals, are also subject to a number of criteria:
- Russian citizenship.
- No delinquencies on previous loans.
- Registration on the territory of the location of the financial institution.
- The client must meet the status of an individual entrepreneur, or have ownership of the business.
- The age limit is from 21 to 60 years old.
- The presence of a landline phone.
Based on the choice of the program or the parameters of the loan, banks may impose additional conditions.
Overpayment amount
SME lending programs are characterized by minimal overpayment. Thus, the average overpayment ranges from 16 to 24% per annum. A number of companies set boundaries between 14.9% and 18.5%. There are also programs on the market with rates of 28% or more, which is typical for small banks.
Package of documents
Participants of the program for lending to individual entrepreneurs and SMEs without collateral and guarantors are invited to collect a standard package of documentation:
- Application for consideration. Served in the office or on the website of the company.
- Original or photocopy of your passport.
- Certificate of state registration (copy).
- For legal entities - a photocopy of the Articles of Association, extracts from share registers, an order on the appointment of the chief accountant, minutes of shareholders' meetings, etc.
- For a registered business - a report on the movement of funds in the account.
The Bank reserves the right to demand additional securities:
- Constituent documentation for legal entities.
- Confirmation of the settlement of the client's relationship with the bodies that call citizens for military service.
- Confirmation of the costs associated with the acquisition of rights to a share in the property.
Loan size
The average loan size is 4.5 million rubles. Some companies are ready to issue a loan in the amount of 500 thousand to 1 million rubles, others up to 7 million rubles.
For how long to get a loan?
The average lending period for SMEs is 36 months. Less often, banks draw up contracts for 5-7 years, which is typical for large system organizations.
How to pay off a debt?
On the Russian financial market, there are more programs designed to repay a loan in an annuity way. Clients credit payments in equal installments according to the loan repayment schedule. A differentiated scheme is extremely rare in practice.
Bank selection
If you have accreditation in the bank, you should contact him, this will clarify the conditions and compare them with the proposals of other companies:
- VTB24 - "Negotiable" from 850,000 rubles, from 11.8%, up to 3 years. Loan granting commission - from 0.3%.
- Zenith - up to 30 million rubles, 13-14.5%, up to 2 years. No down payment required. A delay in repayment of the principal debt up to 12 months is possible.
- Krayinvestbank - 3 programs are envisaged: for business development from 500,000 to 70,000,000 rubles. for up to 7 years at 13%, for a turnover at 13% or overdraft from 16%.
- Levoberezhny - from 150,000 to 3,000,000 at 15% up to 6 years (universal program "Business without Borders").
- Promtransbank - from 150,000, from 15 to 35% per annum, up to 5 years.
- Rosselkhozbank - from 1 million rubles, 13%, from 6 months.
- Center-Invest - from 300,000 rubles. at 12% per annum, up to 36 months.
- Energomashbank - overdraft from 300,000 rubles, from 17% per annum, up to 12 months.
Positive and negative characteristics
The pluses include:
High flexibility in setting rates and personal terms of service.
Receiving the agreed amount without collateral and guarantors.
Loyal conditions for regular customers.
Cons include:
- Informing the bank about doing business.
- Long-term collection of documentation.
- Small percentage of approval of applications for starting a business.
- Limitations in choosing a business direction.
Small Business Credit Assistance Fund
When applying for a loan from a bank, entrepreneurs are not always able to provide a collateral that covers possible risks. A reasonable solution would be to use the possibility of obtaining a surety from the FSKMB, which is equivalent to the registration of a pledge. Depending on the type of activity of the borrower, the Fund acts as a guarantor for a loan from 60 to 90% of the requested loan (up to 60% for wholesale and retail enterprises, travel agencies, up to 70% for transport and agricultural companies, etc.).
Loan processing time - from 3 to 60 months.
Fund partners:
- PJSC SB RF.
- PJSC Bank Levoberezhny.
- AKIB "Education".
- JSC "RSHB".
- PJSC Bank ZENIT.
- PJSC "VTB24".
- PJSC "Promsvyazbank".
- Banca Intesa JSC.
- SMP-Bank JSC.
- PJSC Bank FC Otkritie.
In search of the most favorable conditions for circulating lending to SMEs, many entrepreneurs will be interested in the conditions of Sberbank, in 2017 the company offers:
- Loan amount: from 10 million rubles up to 1 billion rubles
- Objectives: purchase of fixed assets, modernization and reconstruction of production lines, implementation of new projects and replenishment of working capital (in the areas of agriculture, food, electricity, gas and water, construction, transport and communications).
- Rates: from 9.6%.
- Terms of concessional funding: up to 3 years.
Loan processing is carried out in a number of stages:
- Familiarization with the terms of issuing a loan, background counseling by an employee.
- Preparation of a documentation package.
- Submission of application and collected papers.
- Familiarization of the Foundation's employees with the place of business.
- Conclusion of a contract.
Transferred to the account of the entrepreneur.