Sberbank loans to individual entrepreneurs: conditions, documents, terms. Lending for individual entrepreneurs in Sberbank

2024 Author: Howard Calhoun | [email protected]. Last modified: 2023-12-17 10:16

Many people know about lending programs for individuals, but what are banks ready to offer to entrepreneurs today? Previously, financial institutions were not very loyal to individual entrepreneurs, it was almost impossible to get funds to promote a business. In recent years, the situation has changed a little, banks began to appear special financing programs, from which every businessman can choose the one that suits him. Today we will talk about Sberbank loans to individual entrepreneurs: conditions, programs, interest rates and more.

Why Sberbank?

In fact, there is no particular difference in where to take a loan, the main requirement is that it be the most profitable. Sberbank just offers quite affordable conditions. In addition, this bank has a decent amount of working capital, which increases the applicant's chance of getting approved.

Well,Of course, no one has canceled stereotypes - Sberbank for a Russian citizen is a guarantor of stability and loy alty to the implementation of government projects for the development of small businesses.

How to get a loan for an individual entrepreneur to open a business in Sberbank, what programs exist?

Sberbank loan programs for individual entrepreneurs

Today, a well-known bank offers a variety of programs, taking into account the preferences of the client and the business direction.

Express loans

This loan can only be issued if real estate is provided as collateral, it can be both residential and commercial. The purpose of the loan directly depends on the type of express loan, which is divided into two types:

• Mortgage. Financing is provided only for the purchase of residential or non-residential real estate.
• Secured loans are issued for various purposes.

A loan for an individual entrepreneur in Sberbank can be issued on the following conditions:

• Loan duration up to 10 years.
• Credit interest rate from 16.5%.
• The limit is 7 million rubles.
• The loan is secured by real estate.
• Guarantee physical. persons required.
• Loan prepayment allowed.

Requirements for borrowers:

• Age limit - 23-60 years old.
• Entrepreneurial skill for at least 12 years.
• Business turnover up to 60 million rubles.
• It is essential to have a current account.

Loans for anygoals

Sberbank of Russia provides loans to individual entrepreneurs in the form of trust loans for the following projects:

• "Trust".
• "Business Trust".
• "Business Project".

Sberbank loans to individual entrepreneurs are issued on the following terms:

• The minimum loan amount is 30 thousand.
• Maximum 3 million
• Credit period - up to 4 years.
• Interest rate is 18.5%.
• Collateral - not needed, but by registering it as a guarantee, you can reduce the interest on the loan.
• The guarantee of individuals is one of the main conditions.
• The assessment is carried out in a strict manner by the bank.

Requirements for sole trader:

• To receive a loan from Sberbank by an individual entrepreneur, the amount of turnover of his enterprise should not exceed 60 million.
• The duration of the organization's activity is at least 2 years.
• Age restrictions - from 23 to 60 years old.
• Registration in the Russian Federation.

The above criteria for obtaining a non-targeted loan for the formation of a small business apply only to the Standard and Business Trust programs. There are some features in the "Business Project":

• The circumstances of lending are negotiated directly with the financial institution on an individual basis during the decision to issue a loan for a business project.
• In addition to a standard loan, a businessman can apply for a credit line orallocation of an investment portfolio of up to 200 million.
• The credit period is set on a personal basis.
• Reduced loan rate from 14.5%.
• The borrower's personal funds in the amount of at least 10% must be contributed to the project.
• Pledge property insurance.
• Annual turnover of the enterprise up to 400 million rubles.
• Age restrictions - from 23 to 70 years old.
• Entrepreneurial skill for at least a year.

Loans to finance working capital

Sberbank provides individual entrepreneurs with the right to apply for a loan to replenish the funds used, which is necessary during the rapid growth of the business, when personal funds become insufficient. In this case, of course, you can not do without borrowed funds!

To replenish working capital, the following programs are provided: "Turnover-Business" and "Overdraft-Business".

"Turnover-Business" is provided under the following conditions:

• Depending on the borrower, the loan amount for individual entrepreneurs in Sberbank can reach up to 3 million.
• The company's annual financial turnover is up to 400 million rubles.
• Entrepreneurial experience - from 3 months.
• The period of the contract is up to 4 years.
• Bet - from 14.5%.
• This program requires a surety or a pledge of property.
• There is a possibility of early repayment of the debt.

Lending to individual entrepreneurs in Sberbank "Overdraft-Business" is available only for businessmen with active accountsin this institution. The money that is stored on them is a guarantee of loan repayment.

The conditions for this program are as follows:

• The maximum loan amount is 17 million rubles.
• Limit period is 1 year.
• Loan rate - from 13%.
• The overdraft fee is 1.2% of the requested amount.
• Credit collateral - a guarantee from the physical. faces.
• Insurance is optional.
• The company has been in operation for at least 1 year.

Lending for the purchase of capital goods

Sberbank loans to individual entrepreneurs can be obtained in the form of a special loan for the purchase of production assets such as equipment, land, vehicles, real estate and more. Requirements under this program practically do not stand out against the background of this kind of loans. To finance the purchase of means of production, it is required to collect an established set of documentation, make an initial payment of at least 20% and immediately pledge the purchased equipment.

This type of lending includes the following projects:

• "Business Asset", from the amount of 150 thousand, at a rate of 14.50%, for up to 7 years;
• "Business Auto", a loan is issued from 150 thousand, at a rate of 14, 50 and is valid up to 8 years;
• "Business Real Estate" is valid up to 10 years, from the amount of 150 thousand, with a rate of 14.0%;
• "Business Invest", minimum amount 150 thousand, up to 10 years, interest rate -from 14, 40%.

Tender Loans

To submit a request for participation, as well as to implement the won tender, impressive finances are needed. In Sberbank of Russia, individual entrepreneurs can also apply for loans to participate in state-wide tenders and not only.

Functioning programs:

• "Contract-Business".
• Guarantee-Business.

Opportunities and conditions of the Contract-Business project:

• Getting funding for domestic contracts and exports.
• Receive up to 80% of the contract amount in the form of a loan or a non-revolving line of credit.
• The loan repayment schedule adjusts to the pattern of profit coming from the won tender.
• This program provides Sberbank loans to individual entrepreneurs for up to 36 months.
• Loan rate - 14%.
• Amount - from half a million to 200 million.
• Credit collateral - pledge of property / rights under the contract / guarantee of physical. persons.
• Loan servicing fees - from 1.5 to 70 percent of the total amount.
• Available only for Russian residents.
• Entrepreneurial experience - from 3 months.

Business Guarantee Program

This program from Sberbank is much more complicated - it is not a standard loan, but a symbiosis of insurance against the occurrence of an insured event. In simple words, the entrepreneur is not sure that if he wins the tender, he will have enough of his ownfunds to fulfill the contract and there will be no cash gap. When applying to a bank for a loan, he secures himself with borrowed funds.

In the absence of an insured event, the entrepreneur will only need to pay a commission, and if he has to use borrowed money, they will need to be returned and interest paid.

Terms of the "Business Guarantee" program:

• Under this program for tender loans from Sberbank to individual entrepreneurs, terms are given up to 3 years.
• The minimum amount is 50 thousand rubles.
• Commission fees for the issuance of funds - from 2.5%.
• Interest rate - from 11, 5.
• Security - a surety or collateral.
• Insurance is optional.

Leasing

You already know that Sberbank provides cash loans to individual entrepreneurs, but in addition, you can get a loan for the purchase of capital goods, such as vehicles. This program is called Leasing.

Leasing programs:

• Cars. The loan is issued up to 24 million rubles, the term is from 1 year, the installment is 10%.
• Commercial and freight transport - from 1 year, up to 24 million rubles, 15% fee.
• Special equipment - from 2 years, up to 24 million rubles, 25% fee.

Small Business Incentive Program

Sberbank loans to individual entrepreneurs can be issued on the basis of the state program "On Stimulation of Small Business", together with JSCSME Corporation. In this case, the consideration of the application lies with the corporation, Sberbank fulfills its will.

Program conditions:

• Preferential interest rate - 10%.
• The maximum loan amount is 1 billion rubles.
• Credit period - up to 3 years.
• Securing the loan is the guarantee of SME Corporation JSC.
• Other conditions applicable to each borrower individually.

List of documents

In order for Sberbank employees to begin the process of considering an application, a full package of documents is required. Only originals need to be submitted to the bank branch, photocopies will be made by employees on the spot. When applying for a Sberbank loan, individual entrepreneurs will need the following documents:

• A questionnaire filled out in accordance with all the rules and regulations of Sberbank.
• Applicant's passport.
• A document from the military commissariat confirming that they have no claims against the borrower (this certificate is necessary in order to exclude any possibility of conscription for the period of the loan agreement).
• Certificate of registration of an individual entrepreneur and TIN.
• Photocopy of the license for the right to carry out activities.
• Lease agreement or certificate of ownership of the premises involved in the business.
• Tax statement.
• Financial statements for the last year.
• Tax records confirming the payment of taxes.
• Personal documents of the guarantor (passport, TIN, reference form2-personal income tax).

In some cases, documents confirming the franchise guarantee may be required.

Applying for funding

Sberbank has set up a special credit committee that reviews loan applications from individual entrepreneurs. In this case, the credit file is formed by the inspector and only after that it is transferred for analysis to the committee.

In order to increase the chances of a positive decision on issuing a Sberbank loan to individual entrepreneurs, the following conditions must be met:

• Perfect credit history.
• Financial stability.
• Permanent and official employment of the guarantor.
• Having own real estate and other property.
• Reliable guarantor.
• Competitive business plan.

Possible reasons for rejection

Unfortunately, situations when Sberbank decides to refuse lending often happen. There may be several reasons for this:

• Unconvincing business project.
• Insufficient liquidity of a functioning business.

It should be borne in mind that the verification of the solvency of individual entrepreneurs is carried out especially scrupulously, since it is quite difficult to assess the transparency of accounting records.

After studying the bank's programs, one can understand that there are quite enough opportunities for business development, you just need tochoose the right program and meet all the necessary conditions.