Lending to small and private businesses. How justified is lending when opening and developing a business. Average interest rates and what they depend on

Wanting to organize their own enterprise, many are faced with a lack of sufficient funds. Getting a bank loan to start your own business helps to solve this problem. Often a loan to start a business is the first step on the way to private entrepreneurship.

Is it possible to get a business loan from scratch

Taking out a loan to develop your own business is considered a risky deal for a banking institution. There is no absolute guarantee that a loan to start a small business from scratch will be paid off. In case of ruin, a newly minted entrepreneur may declare himself bankrupt in a month and refuse to return the money. However, funding for entrepreneurship is gradually being restored. It is possible to take a loan for a business from scratch, subject to strict conditions.

Under what conditions is a loan issued for a business from scratch

The probability of obtaining a loan for a startup increases if you have:

Good credit history. Lack of successful past loans, outstanding or late payments can lead to a refusal to grant a loan.
Competent business plan. The obvious possibility of making a small but stable income from their business will incline experts to make the right decision.
Parallel employment. A stable income allows you to safely repay a loan to start a small business from scratch.
Collateral property. This is a significant money back guarantee, which speaks of the client's serious attitude to lending.
Third party natural person as a guarantor.
Starting capital, which is at least a quarter of the required amount.

Which banks issue loans for small businesses from scratch

Those who wish to organize their own business can use the help of financial institutions. A small business loan from scratch is issued in:

VTB24, offering the lowest rates for legal entities, a variety of conditions. The requirements for LLC and sole proprietorship differ significantly. Loans often require real estate as collateral.
Sberbank, which issues loans under the Business Start product. Funding is provided for the developed project. It is possible to work as an entrepreneur on a franchise.
Rosselkhozbank, representing various loan products for the development of small businesses. There are no limits on the amount.
Alfa-Bank, among whose proposals there are only two types of financing. At the same time, management declares working with small and medium-sized enterprises as a priority.

Banking Methods for Small Business Loans from Scratch

The challenge for financial institutions is to determine the degree of risk in lending to small businesses. Banks use two methods, one of which is the review of the application by experts. The decision to lend depends on the result of a subjective check. Another way to determine the degree of risk is to use an automated "scoring" system, first tested 50 years ago. An unbiased program counts points, sums up the results based on the data entered in the client's questionnaire. Types of scoring:

by points (you need to get a certain amount, most of those who apply do not pass it);
against fraudsters (through behavior analysis, it identifies factors that indicate a non-purpose loan, a potential threat to bank funds);
against irresponsible clients-borrowers (delay is being studied).

How to get a loan to start a small business from scratch

Providing a profitable loan to start your own business involves a strict procedure. How to get a loan to start a small business:

You should send an application to the bank. The appeal indicates the type of activity, the lending program.
Next, you need to provide information about the financial condition of the small business. The amount of profit, credit history are important.
Then the accepted application is considered, the terms of the loan are approved - the amount, terms, type of loan.

A loan to start a business from scratch in Sberbank

A loan for a startup, starting a business can be issued at a bank branch. How to get a loan to open a business in Sberbank? For this you need:

Contact the institution, having a package of documents with you.
Choose the right loan program.
Get registered with the tax office as an individual entrepreneur, go through the registration in the USRIP.
Consider franchising programs offered by Sberbank partners.
Choose the right franchise.
Detailed development of a business project based on the selected program. It is required to create a marketing plan, determine the location of the office and other nuances.
Prepare a package of documents for a loan to start a small business from scratch. The set includes the original and a copy of the passport, TIN, IP registration confirmation, commercial plan.
Apply for a small business loan.
Collect a sum of money (30% for the first installment).

How to increase your chances of getting loans to start a business

Wanting to take a loan for his business, a novice entrepreneur should choose as carefully as possible the bank in which he will be served. Nuances:

When deciding on a financial institution, you need to ask what offers it has for small businesses.
Useful advice from partners, friends who work with a particular bank.
Loans are more readily issued for an already developing business. An application with an attached project has little chance of financial support.
It is desirable that the enterprise be solvent, exist for at least six months.
An additional factor in favor of the bank's consent to grant a loan is the presence of collateral. Real estate, cars, technical equipment are considered as collateral.

How else to get a loan for start-up entrepreneurs

An alternative way to receive financial assistance is consumer lending. A loan can be issued to an individual in a company or online. The property is used as collateral or support for guarantors. Such loans are unprofitable for the entrepreneur due to inflated interest rates. Remember: in many regions there are funds that support small businesses. These organizations act as guarantors for loans from the state or issue small concessional loans to entrepreneurs themselves.

Video: do I need a loan to start a business from scratch

Creating a business from scratch in Moscow has become an affordable reality, thanks to profitable offers from financial institutions. The Creditnatok service describes the best Moscow MFIs and Russian banks that provide loans to small businesses. Using their services is a sure start of bringing your business ideas to life.

Most financial companies provide material support to clients by offering to take out a loan to start a small business on favorable terms for them. By applying to an MFI for financial assistance, you can be sure that your start-up and the further development of your own business will have a stable material basis.

Starting a Medium Business: What Do You Need?

Starting your own business depends on the type of individual activity you choose. Creating any startup from scratch requires a detailed business plan, including capital investment calculations. You can choose anything as a type of activity: beauty salon services, trading through an online store, passenger and freight transportation, etc. In any case, it will be difficult to launch a startup without funds. The question is, where can a novice entrepreneur get money to create and implement his project? Our answer is to take a loan through the online service "Creditznatok".

Advantages of cooperation with MFIs that issue loans for the development of small and medium-sized businesses:

minimum package of documents;
service speed;
service mobility (online consultations);
a wide range of amounts needed to develop a business from scratch;
the possibility of choosing the duration of the contract;
loyal money back conditions.

How to choose a loan to start your own business?

Loan conditions may vary. They depend on the personal wishes of a novice private entrepreneur, the estimates in the business plan, the profitability of the business at its initial stage. All financial institutions provide funds for starting a business from scratch only in national currency.

When choosing a financial firm, it is important to consider whether the organization you have chosen has the service of extending the term of the loan agreement for starting up your business. An equally important nuance in choosing the right company that is ready to “sponsor” your own business is the time it takes to process your application. The average turnaround time for a decision on your request for a loan to start your business is 1-3 business days.

Leading MFIs of the Russian Federation offer loans on loyal terms:

the amount that can be received "on hand": 50 thousand - 24 million rubles;
loan repayment terms: 6-120 months;
interest rate: 10%-45%;
documents required to be presented: constituent, personal.

Do you want to get a loan to create a profitable business? We recommend that you carefully read the detailed descriptions of the companies presented on the page. To start your own business from scratch as soon as possible, leave an application on the site right now. A loan for start-up entrepreneurs, issued on our service, is a unique way to fulfill your dream.

In the article, we have collected 16 banks with profitable loans for business development. The table has interest rates and maximum amounts. And also we have prepared a list of documents for individual entrepreneurs and LLC, which are required by banks for issuing a loan.

Which bank to get a loan for business development

An important step towards obtaining a profitable loan for a small business is choosing a bank with optimal conditions. For comparison, several proposals should be studied, especially since there are so many options today that it is easy to get confused.

16 top banks and a brief description of their rates can be found in our table:

Bank	% bid	Amount of credit
Sberbank	from 11.8%	up to 3 million rubles
Alfa Bank	from 12.5%	up to 6 million rubles
VTB 24	from 10.9%	from 850000 rub.
Rosselkhozbank	10,6%	up to 1 billion rubles
Moscow Industrial Bank	from 11%	up to 130 million rubles
Tinkoff business	from 12%	up to 300,000 rubles
Raiffeisen bank	12%	up to 135 million rubles
Uralsib	from 13.1%	up to 170 million rubles
Ural Bank for Reconstruction and Development	from 13.5%	up to 30 million rubles
Opening	from 10%	up to 1 million rubles
Promsvyazbank	from 12%	up to 150 million rubles
Sovcombank	from 12%	up to 30 million rubles
Binbank	15,25%	up to 150 million rubles
SKB bank	from 14.5%	from 70 million rubles
UniCredit Bank	14,25%	up to 73 million rubles
OTP bank	from 14.9%	up to 200,000 rubles

In addition to the interest rate, the conditions for obtaining a loan and the requirements of the bank are extremely important for the borrower: collateral, surety, business plan, and so on.

Types of loans

Each lending system has its own goals, objectives and features. The main ones are:

Universal lending. The most popular form of lending among entrepreneurs. A businessman can spend borrowed funds for any needs: to expand the business, to settle accounts with partners or to increase production turnover.
Leasing. Gradual, monthly payments, redemption of property in the ownership of the organization. Typically, businessmen rent real estate, vehicles or equipment from the bank, and after a certain number of monthly payments, the leased property becomes the property.
Investment loan. Funds are issued by the bank for the development and growth of the company's profits. It is quite difficult to get such a loan from a bank. First of all, the entrepreneur will have to prove to the bank through a detailed business plan that investments will increase income by 20 or more times.
Commercial mortgage. Its main difference from a loan to an individual is that funds are issued for non-residential, commercial real estate, which becomes a pledge after purchase. If a businessman stops paying a mortgage, the property is put up for auction.
Overdraft. Additional cash for a short period of time. Provides an overdraft bank servicing the current account of the enterprise. Namely: if the account does not have enough funds to pay, the bank credits the missing amount to it. Further receipts to the current account will be automatically debited to pay for the overdraft.
Commodity lending. In this case, the borrower is provided not with cash, but with the necessary equipment.
Factoring. Or assignment of a debt. For example, an entrepreneur takes a machine in installments to increase production volumes, and then goes to the bank to have the financial institution pay off the debt to the seller.
Venture lending. In the long term, at high interest rates, interested investors provide the necessary funds for the development of small businesses. Such investments are available only to innovative projects, which are usually related to science, medicine, and new technologies.
Revolving lending, credit for current activities. Money is given for the purchase of non-consumable property.
Refinancing. It is used if it is necessary to repay other loans or optimize their conditions. For example, equipment can be purchased in installments at 20%, or a loan at 10% can be taken to purchase it. It is obvious which solution is better.

In order to determine which type of financing is appropriate in each particular situation, you need to consider the purpose of the loan, the amount, the possibility of collateral and other guarantees.

Important to know before applying for a loan

A few tips for entrepreneurs who are thinking about applying for a business loan:

Loans for small businesses are always issued at high interest rates, so it is better to apply to them only in extreme cases. Large amounts require collateral, which means that the entrepreneur risks not only the future of the company, but also his own property.
Loans for organizing a business are more difficult to obtain than loans for its development. For an existing business, it is easier for a bank to check the financial condition and reliability, while for lending to an enterprise from scratch, a financial institution will have to rely only on a business plan, collateral and guarantors.
The guarantor will never be superfluous, even if the bank does not request its mandatory presence. The guarantor must have a perfect credit history. Finding a guarantor is not always easy, because his reputation can also be damaged by an unscrupulous borrower.
Before going to the bank, you should take care of a business plan. By issuing loans for small businesses, the bank also exposes itself to certain risks, so before giving an agreement for a loan, it must be convinced of the profitability of the enterprise.
Choosing the right bank is important. It is worth starting the study of offers with the bank in which the current account is opened. Financial institutions are more loyal to their existing customers and can offer favorable conditions.
Entrepreneurs working in the field of ecology, science and innovation have a chance to receive a state subsidy for business development or a loan on favorable terms - if there is such a chance, it is better not to miss it.

Required documents

Each bank has its own.Mainly:

an application form for a loan indicating the amount and needs for which it will be spent;
citizen's passport;
documents on state registration of an individual entrepreneur or LLC;
certificate of tax registration;
balance sheet and reporting on income and expenses of the company;
licenses and permits to conduct certain activities;
statement from the current account of the enterprise;
documents for collateral.

For IP, you may also need:

extract from USRIP;
military ID;
income statement (if there is parallel earnings).

For LLC:

extract from the Unified State Register of Legal Entities;
the current version of the charter;
minutes of the first meeting of founders;
orders for the appointment of the general director and chief accountant;
extract from the list of members of the company.

Many entrepreneurs today cannot do without loans to small businesses from the state. 2019 will not be an exception and funds will be allocated from the budget to support individual entrepreneurs, as well as other representatives of this area of business activity. The majority of businessmen who wish to develop their business use state assistance.

The right to receive money on favorable terms are those enterprises where the number of employees does not exceed 100 people, the turnover on accounts is up to 800 million rubles a year (previously it was 400 million rubles a year). Now it is not easy to ensure the development of business, because due to the instability of the currency, the rent is changing upwards, the cost of purchasing goods is increasing. All this leads to the need to support small businesses by the state.

Many banks offer to receive their loans for the development of entrepreneurship in the country. But their conditions are often not very favorable. In addition, there are a number of factors that hinder the issuance of money to small businesses. These include:

a significant tightening of the requirements that banking institutions set for customers who want to get a loan;
general economic influences;
a significant increase in the cost of loans for small businesses;
reduced consumer opportunities;
decrease in the number of borrowers with a positive credit history.

All these factors significantly stop lending to entrepreneurs, which in turn hinders their development, especially against the backdrop of fluctuations in exchange rates.

It is worth noting that often even those businessmen who agree to receive a loan on the terms of banks are denied loans. This is due to various factors:

the entrepreneur does not have a positive credit history, which can be justified by the recent registration of activities;
banking specialists do not consider the direction of the client's activity profitable, that is, such that it can ensure the return of credit funds and interest for use by the entrepreneur.

But there is a way out for such entrepreneurs. In 2019, as in previous years, there will be a soft lending program aimed at providing state support for small businesses.

A microloan for the development of entrepreneurship is financial assistance and state support, which is issued in the amount of up to 3 million rubles for a period of 1-5 years. Their issuance is designed for enterprises that cannot obtain a loan from commercial banks on their terms.

The money that is issued by the state as assistance to the development of small businesses is issued exclusively as financial assistance for the development of activities. They cannot be used for personal purposes. A prerequisite for issuing such a loan is the target orientation of money. State bodies carefully control the use of money. An enterprise that has received financial assistance from the state can expect extraordinary inspections at any time.

Small Business Relief Fund Video

But at the same time, such a financial assistance program has a number of advantages:

low interest rate for the use of money;
minimum requirements for the borrower;
simplified registration system, which allows you to quickly get it.

It is worth noting that another advantage of loans to support small businesses is the possibility of obtaining them in many financial institutions in the country. Of course, not all banks or credit organizations are accredited to provide such assistance through state funds. Therefore, before you start processing all the documents, you need to accurately clarify the possibility of obtaining a loan to support your business in a particular organization.

The main goals of the state program of assistance to enterprises were determined, namely:

improving the functioning of the credit guarantee agency;
protection of microloans through refinancing from the Central Bank;
activities of guarantee funds in the regions of issuing loans to support small businesses;
maximum openness of government orders for small businesses.

But besides this, an external negative impact on the development of small enterprises is expected, despite state funding, which is associated with such factors:

the maximum focus of commercial banks' money on refinancing the external debts of large companies;
a significant increase in the cost of bank loans;
deterioration in the state of loan portfolios.

That is why the state is trying as much as possible to allocate money to support small businesses.

Where can I get a soft loan in 2019

The Ministry of Economic Development continues to implement a program that was put into effect back in 2005, which is aimed at the maximum possible support for entrepreneurs.

Most banking institutions consider the issuance of money for the development of small businesses a very risky and unpromising activity. But at the same time, many of them issue preferential microloans at the expense of state support.

The leaders in issuing this type of loans in 2017 were the following banks:

Sberbank;
Renaissance;
Gazprombank;
Bank FC "Opening" (at the moment, this bank is being reorganized).

In 2019, they continue their activities in this direction. But there are also other financial institutions where you can apply for money on a loan on preferential terms as part of the state program to help small businesses.

But still the leader in this direction is the Savings Bank of Russia, which is one of the largest financial institutions in the country. Many programs are being implemented here to enhance the development of small businesses in different regions of the country.

Among the loans that will enable small businesses to receive money, there are the following:

"Business Trust": up to 3 million rubles for a period of up to 3 years with a rate of 16.5% per annum;
"Express overdraft": up to 2 million rubles for a period of up to 1 year at a rate of 15.5% annually;
"Business-Invest": starting from 150,000 rubles, the maximum amount is determined individually, for a period of up to 10 years with a rate of 11.8% per annum.
"Business Turnover": starting from 150,000 rubles, the maximum amount is determined individually, for a period of up to 3 years with a rate of 11.8% per annum.
Sberbank in some cases is ready to provide a loan at 11.9%.

A variety of programs allows small businesses to choose the most suitable for their activities and the level of its development.

Individual entrepreneurs who are planning or are already operating in the field of agriculture, it is best to contact the Russian Agricultural Bank. This financial institution has a number of programs for issuing money on credit for the development of small businesses in this direction.

Entrepreneurs are offered the following loan options:

"Seasonal Standard Crop Production": the amount varies depending on individual needs and solvency;
"Micro overdraft": the amount of 300 thousand for up to 1 year.

Each bank has its own programs with different conditions for lending to small businesses. But all of them are more profitable in comparison with similar loans that are not issued as part of state assistance.

No related entries found.

Business development and expansion requires regular investment. The question of the need for financial investments sooner or later arises both for start-up entrepreneurs and successful businessmen. In such a financial situation, the question arises: “Where can I get a loan for an individual entrepreneur?”.

And in this article, how banks are presented, where you can take an individual entrepreneur loan without guarantors or collateral. In order to collect for you all the best conditions of banks in one place, we have analyzed quite a few loan offers that provide a loan for individual entrepreneurs in 2019.

Ways to get a personal loan

Bank lending is an effective and prompt solution to financial problems, a profitable tool for the development of small and medium-sized businesses, the ability to respond in a timely manner to emerging negative circumstances. A loan for individual entrepreneurs is available to take for the purposeful development of a business, replenishment of working capital, for the purchase of new equipment, building up the production base. Almost every credit institution has offers for loans, even for individual entrepreneurs with zero reporting (declaration).

Private entrepreneurs confirm solvency on the basis of accounting documents, which indicate income from FCD; with the help of declarations; income and expense journals; other accounting reports. In order to obtain a loan for an individual entrepreneur from scratch, it is necessary to draw up a promising business plan. It should reflect specific indicators for future periods, taking into account the specifics of doing business in Russia, the real level of demand for specific services or goods. When considering an application for a loan for entrepreneurs, it is important for the bank to understand for what purposes the loan money will be directed, and from what funds it is planned to repay the debt. The loan manager of the bank will answer the question of how exactly to get an individual entrepreneur loan under the chosen program.

What kind of loans do IP give? For small and medium-sized businesses, banks offer loans in the following areas:

Express - loans: designed for businessmen with limited time. A minimum package of documents is provided. The decision to approve the loan and its issuance are made within an hour. The interest rate for such programs is much higher, the loan term is shorter.
Consumer loan for individual entrepreneurs: a wider package of documents is required. If you need a large amount, you should be prepared to provide collateral for a loan in the form of real estate, vehicles not older than 3 years, or capable and solvent guarantors.
Target programs, including state: include small business loans. This is a type of financing for the activities of legal entities, when the Assistance Fund can act as a guarantor. Issued only for specific purposes. Designed for entrepreneurs engaged in promising business and have already been registered for more than three months.
A number of banks provide IP cash loan, revolving/non-revolving credit lines and overdrafts.

TOP-6 profitable banks for an individual entrepreneur loan

Ratings of banks offering the most favorable loan products for individual entrepreneurs are formed from an assessment of general conditions, a list of required documents, interest rates, loan duration, and possible cooperation with beginner individual entrepreneurs.

It is beneficial for individual entrepreneurs to take a loan from the bank in which the current account is opened. Regular customers are offered loans on loyal terms. Before opening an IP account, it is recommended to monitor banks not only regarding favorable tariffs, cash management services, but also in terms of lending.

The best offers in 2019 are offered by UBRIR, Housing Finance Bank, OTP Bank, Renaissance Credit and Sovcombank. We offer you to get acquainted with the terms of lending for a specialized loan for small businesses from 2 banks and 4 universal consumer loan programs that can be issued by an individual engaged in individual entrepreneurial activity.

The best bank that gives a loan for individual entrepreneurs secured by an apartment from BZHF

Very often, entrepreneurs need a large amount of money to develop their business, to increase turnover or for other purposes that are related to business development. A large loan without collateral is very difficult to take, even if you collect certificates. And then the best option is a loan for an IP business secured by an apartment. The Housing Finance Bank is by far the most popular bank among individual entrepreneurs that lends against real estate collateral, issuing the necessary amount of money to businessmen without bureaucracy and unnecessary information in the shortest possible time. Due to the fact that the apartment is a pledge, the bank evaluates your credit history and your business more loyally. This gives a real opportunity to take a loan for individual entrepreneurs without refusal.

So, the terms of the loan:

The loan term is up to 20 years, and the rate is from 12.49%.
The amount is up to 8 million rubles (but not more than 50-60% of the market value of the apartment).
If the apartment is owned by a spouse, then it can be indicated in the loan agreement as a pledger.
Early repayment at any time without penalties and moratoriums.
The apartment must be located in the cities where the bank operates: Krasnodar, Moscow, Nizhny Novgorod region, Novosibirsk, Omsk, Perm, St. Petersburg, Yekaterinburg, Kazan, Volgograd.

Business loan secured by real estate

In the past few years, P2B crowdlending projects have been actively developing all over the world, when individual investors lend to borrowers without the participation of credit institutions. In Russia, too, today there are such companies that offer loans to small and medium-sized businesses on simpler and more understandable terms.

One of these companies is the investment and business financing agency "Money to Business", which lends to individual entrepreneurs secured by real estate and without providing management, accounting and other financial statements.

The loan offer is inherently unique and cannot be compared with any other bank. If an entrepreneur urgently needs money, we recommend paying attention to this company.

Brief terms of the IP loan:

The minimum amount is from 500 thousand rubles for a period of 2 years with the possibility of extension.
Funds are issued strictly for targeted financing of your business.
As collateral, it is possible to provide commercial or residential real estate, as well as third-party real estate.

A bank that gives a loan to an individual entrepreneur without collateral and guarantors

OTP is one of those banks that give consumer loans to individual entrepreneurs without collateral and a guarantor. The undeniable advantage of this credit institution is the ability to apply online from the official website and receive a final decision in 15 minutes. OTP Bank offers a profitable cash loan, both for individuals and for individual entrepreneurs.

Lending terms:

The loan amount is from 15 thousand to 4 million rubles.
The loan is issued for a period of 12 to 120 months.
Interest rate - from 10.5% per annum.
Providing security in the form of a guarantor or collateral is not required.

From the documents it is necessary to submit only a passport of a citizen of the Russian Federation, a certificate of USRIP, TIN. The bank is ready to cooperate with start-up businessmen.

Cash loan for individual entrepreneurs from scratch on the day of treatment

Renaissance Credit is one of the few banks that provides consumer loans, including for individual entrepreneurs. We list the main advantages and possibilities of a cash loan for individual entrepreneurs in this bank:

Credit limit - from 30 to 700 thousand rubles;
The interest rate varies from 11.9%;
Validity of the loan agreement: from 24 to 60 months;
To apply for a loan, it is enough to present a passport of a citizen of the Russian Federation and a second document of your choice;
Security is not required, but confirmation of the right to property will guarantee a reduced interest rate.

The application is sent from the bank's website. Upon approval, you must visit the office and submit a minimum package of documents. It is enough for private entrepreneurs to bring a certificate of state registration of IP. A balance sheet is not required. Also, as your solvency, you can provide a title for a car or documents for an apartment. (There will be no deposit!). Offers from Renaissance Credit Bank can be used by businessmen who open an IP business from scratch. The optimal rate and loyal conditions will allow you to quickly get the right amount on the day of treatment without unnecessary paperwork.

Sovcombank - a cash loan at a low interest rate

Sovcombank offers consumer loans to all categories of citizens, including individual entrepreneurs.

The limit is 1 million rubles for any purpose.
Base interest rate from 12% per annum;
The application can be sent via the Internet, the loan is issued at the bank office.
The loan is issued for up to 60 months.
Consideration of the application from one hour to three days.

Individual entrepreneurs have the opportunity to obtain a loan in a larger amount by providing real estate or a vehicle as collateral. There is a program "For Responsible Plus". No documentation is required from private entrepreneurs. Therefore, a consumer loan at Sovcombank is suitable for individual entrepreneurs with zero reporting.

Attention! The Bank approves loans to new customers only for persons over 35 years of age. If you have less, then leave a request better in another bank.

Credit "Trust" for business development from Sberbank

A loan for individual entrepreneurs is offered by the main creditor of the country - Sberbank. The "Trust" program will help resolve current financial difficulties and implement plans for the future. The essence of a business loan:

Loan type - without collateral and for any needs.
The loan is available to individual entrepreneurs whose annual income does not exceed 60 million rubles.
When applying for a loan secured by a guarantee, a reduced interest rate applies.
The base rate is 16.5% per annum.
The maximum loan term is 36 months.
Credit limit - up to 3 million rubles.

Sberbank requires documents for an individual entrepreneur loan, such as a citizen's passport - an individual, a military ID if available, a USRIP certificate, a certificate from the Federal Tax Service Inspectorate on registering a private entrepreneur, the latest version of financial statements with a seal of the tax authority, tax receipts. Licenses, activity permits, lease agreements (sublease) or certificates of ownership of non-residential premises may be required.

Thus, answering the question of where to get a loan for an individual entrepreneur and how to get it is not so difficult. If the conditions of a specialized small business loan are difficult to meet, it is possible to take out a standard consumer loan in an amount acceptable to start a business. I hope that the review of the conditions of banks issuing loans to individual entrepreneurs was useful for you and you will find financing for your business from the proposed list.

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