A loan from Sberbank for an individual entrepreneur to start a business from scratch. Business loan without collateral and guarantors

Let's be honest, the modern dynamically growing lending market gives little chance to a budding entrepreneur in getting start-up investments.

The exception is loan "Business Start" Sberbank. He is admired and scolded by entrepreneurs, forgetting that this is just an opportunity that you need to be able to use.

The last time such a chance was given to Russian businessmen was in the 1990s. But then everything was much simpler: galloping inflation actually devalued debts.

Today, the loan will have to be repaid along with interest. Representatives of our site visited the International Franchising Exhibition, where a representative of Sberbank answered questions from the guests.

What prospects does “Business Start” open up.

It is easy to get a loan for business development in any bank. If an entrepreneur has one outlet, then he may well qualify for a loan that will allow him to create 5 more similar outlets or open a new direction.

Another thing is to get a loan for start-up capital. Until recently, this was officially impossible to do.

Has a loan for a business plan become a reality today?

the main goal programs "Business Start"- to give young entrepreneurs the opportunity to self-realize. Citizens of Russia from 20 to 60 years old who do not have an operating legal entity or individual entrepreneur and who need start-up capital will be able to receive a loan to start a business from Sberbank.

Is it possible to apply for a loan if there is already an existing business, but no work is being done?

Today, entrepreneurs whose enterprises have been inactive for 3 months can receive a loan for business development - under this program, the bank provides loans to newly opened or even non-operating enterprises (entrepreneurs).

What is the purpose of the loan?

Under the “Business Start” program, funds are issued for opening a business under the franchising system. It is also possible to obtain a loan under a business plan, which will be developed by a bank partner.

What you need to know as an entrepreneur who decides to take out a loan to buy a franchise.

Before you decide to open a franchise business, you should find out that:

• 1. At the entrance you will need to pay a lump-sum fee, which can range from 10 thousand rubles to 1 million rubles;
• 2. Royalties (commission) are paid for the use of a franchise (brand, technology, etc.).

Credit money is given at the beginning of the activity, which includes:

• – rental of premises;
• – renovation of premises;
• - commercial equipment, if required;
• - advertising programs.

The investment stage lasts 1-3 months. During this period, other expenses, such as salaries, can also be invested. At the end of this period, the company must operate on its own income.

Is it possible to choose a franchise on my own?

Yes, but only from the list of enterprises pre-selected by the bank. The bank works with several trusted companies that have several outlets, i.e. have experience in business technology transfer.

Who can benefit from the program?

What are the requirements of the bank to the borrower?

Currently, a loan for a franchise is issued by Sberbank to residents of the Russian Federation from 20 to 60 years old, registered (important: temporary registration is allowed) in the region where the business will be located for at least six months, preferably more than a year.

For example, a citizen registered in Nizhny Novgorod may well open a business in Moscow. To do this, you will need to issue a temporary registration in the capital.

How much money does Sberbank lend for franchising?

The maximum loan amount for a franchise is 3 million rubles, but not more than 80% of the business, the minimum is 100 thousand rubles. For example, if the creation of a business requires only 2 million, then the bank will provide 1.6 million, and the entrepreneur must contribute 400 thousand himself.

How long is the loan and how much will the loan cost?

The maximum loan term is 3.5 years. For a period of 2 to 3.5 years, the bank provides money at 18.5%. For a period of up to 2 years, money is provided at 17.5%

Russia and Ukraine is the first step to starting a successful business with an easy and simple start.

Making a decision to buy a franchise is necessary with the professional recommendations of the section:

You can read about the latest news and trends in the franchise business

Pitfalls and subtleties of a loan under a Sberbank franchise

Is the Sberbank small business loan intended only for individual entrepreneurs or also for legal entities?

Sberbank provides loans to two legal forms:

• – limited liability company;
• - individual entrepreneur.

Do I need property as collateral to get a loan?

In order to buy a franchise on credit, collateral is not required, but property purchased with borrowed funds will be the subject of collateral.

Is the borrower liable for obligations with all his property or only with the property of an open enterprise, and are loan guarantors required?

If a loan is issued by an LLC, then the founders are involved as guarantors by Sberbank.

Of course, not all founders of the company will act as guarantors. The bank will choose the one whose share in the authorized capital will be greater than that of the others.

If several co-founders are represented by the same shares, then the choice can be made by the client himself. It is also possible to involve all the founders at the request of the client. All guarantors are financially responsible, as individuals, i.e. are liable with all their property.

If a franchise loan is issued by an individual entrepreneur, then spouses are preferred as guarantors, then brothers or sisters, and only last but not least, persons who are not close relatives.

An outsider can act as a guarantor if the next of kin do not meet the requirements that Sberbank imposes on guarantors:

• – age from 20 to 60 years;
• - a resident of the Russian Federation;
• – availability of registration at a distance of no more than 100 km from the place of business.

If the guarantor is a person other than the borrower, for example, the borrower is one founder and the guarantor is another, then a 2-NDFL certificate is required from the guarantor.

You can study the numerous experience of other entrepreneurs who have created their own successful business with a franchise in the section of our website:

The most successful and informative case according to the editors of the Russtarup portal:

An interesting experience of creating a business under the franchising program is presented

What are the income requirements for a guarantor?

The bank does not analyze the income of the guarantor, but only an employed person can act in this capacity. The seniority of the guarantor at the last place of work must be at least 3 months.

The choice of the franchisor under which the loan is issued

Sberbank offers 75 franchises, and this list is constantly expanding. The list of expensive metropolitan projects is supplemented by companies from the regions, such as the TOMAT gift shop or the Yanta food company.

You can also take money under one of 10 standard business plans.

The following franchises were the most popular this year:

• - a toy store for children "BEGEMOTIK", which attracts with a very low lump-sum fee, which today is 15 thousand rubles, and a positive experience of working with more than 140 franchisees;
• – the SUBWAY restaurant, as well as the fast food industry in general, is one of the most successful and popular franchises;
• – 2 optics salons – OKVision and Aykraft, offering goods that are popular with representatives of the younger generation of large cities;
• – the Autodevice car accessories store attracts with free admission – there is no lump-sum fee or royalties;
• – real estate agency HIRSCH;
• – the list also includes several clothing stores: Jeans Superprice, BIZZARRO, Stillini (for children and teenagers), and Parizhanka (underwear).

Bank representatives argue that the number of people who want to buy a franchise on credit does not depend on availability at all. Reputation works for the franchisor, as well as the ability and willingness to cooperate with a new partner.

Watch the video: Franchising loan program from Sberbank

The end result is the sum of the efforts of both parties - 50x50. The franchisor, opening an office hundreds of kilometers away from the head enterprise, seeks to transfer it into the hands of the owner personally interested in the success, and not a hired manager.

Franchisees, when accepting cases, can rely on ready-made business technology. You will not need to create an assortment that is in demand from scratch, train staff, look for marketers and designers for a still small business.

You can just join the team. At the same time, you need to understand that through the distance the franchisor will not be able to provide any assistance, and you will need to independently make non-standard decisions in non-standard situations.

When choosing a franchisor, it should be borne in mind that risk reduction due to the experience of a senior partner is possible only if the selected company has experienced specialists on its staff who will help to assess the market and draw up a business plan.

Otherwise, the franchisee will be assigned the role of a dealer who copes with all the difficulties on his own, but the lump-sum fee in this case is minimal, and often absent altogether.

To obtain a loan, you must have an operating profitable business on the territory of the Russian Federation, the period of operation of which is at least 3 months - for trade, at least 6 months - for other types of activities, and for individual products - at least 12 months. For seasonal activities, the duration of the activity must also be at least 12 months. After the bank makes a positive decision on granting a loan, the client needs to open a current account with Sberbank of Russia (this is a prerequisite).

Is it possible to get a business development loan from Sberbank without collateral?

Yes, companies and small business owners with an annual revenue of no more than 60 million rubles. Sberbank provides a loan "Trust", which allows you to quickly receive the necessary financial support without collateral both to solve current problems and to implement business development plans. Individual entrepreneurs and small businesses with annual revenues from 60 to 400 million rubles. can use the Business Trust unsecured loan for any business purpose.

How quickly does a bank make a decision to grant a loan for a small business?

For express loans for small businesses (“Doverie”, “Express-Mortgage”), the bank makes a decision on a loan application within 3 business days from the date of submission of the full package of documents. For other loan products, the term for consideration of an application for a loan is, as a rule, no more than 8 business days from the date of submission of a complete package of documents.

What are the collateral requirements for small business loans from Sberbank?

In Sberbank, you can get both unsecured loans "Trust" and "Business Trust" for small businesses for any purpose, as well as targeted loans with various types of collateral. For example, for a loan for the purchase of vehicles and equipment “Business Asset”, the acquired transport or equipment acts as collateral, for an “Express-Ipoteka” loan - acquired real estate, and for a loan “Business Real Estate” - acquired or owned real estate. An additional requirement for collateral for these loans is the guarantee of an individual or legal entity.

Bank guarantees

Is it easy to get a bank guarantee?

Getting a bank guarantee is quite simple. Especially to ensure the execution of government contracts. Individual entrepreneurs and small businesses with an annual revenue of no more than 400 million rubles can issue a bank guarantee from Sberbank. To issue a bank guarantee, contact the lending division of Sberbank (territorial bank, branch) and provide the necessary documents.

How long does the process of issuing a bank guarantee take?

The process of making a decision and issuing a bank guarantee for government contracts usually takes no more than one business day from the moment the full package of documents is submitted. It may take longer to receive a bank guarantee for non-state contracts - for example, about 5 working days from the moment the client provides a full package of documents for issuing a guarantee without collateral. If it is necessary to provide a deposit, the period may be extended.

Is it possible to get a bank guarantee under a government contract?

Sberbank provides bank guarantees under government contracts. The term for making a decision and providing a guarantee, as a rule, is no more than one business day from the moment the client provides a complete package of documents.

Business owners can not only open a current account with Sberbank, but also connect several services that will make managing it easier and more versatile. Many paid and free add-ons are waiting for everyone who wants to take advantage of the offer. All this is available through Sberbank. The Sberbank Start management program allows you to use services in automatic mode.

How it's done?

There is nothing complicated in setting up an account. The client only needs to have documents on hand to complete the application. This will take about 5-10 minutes. To register and receive a number, you need:

1. Select an account type.
2. Enter organization information.
3. Submit the form for processing.

Manage your business conveniently and easily!

On the official website of the Credit Organization, you can see the description of the Sberbank Business Start program, choose the rate that suits you, and submit an online application to join the program.

The account number is generated and sent within 5 minutes, immediately after the application is submitted. There are no special requirements. But the client gets a lot of benefits.

Although you can get an account number with Sberbank in 5 minutes, actions on it will be limited for now. After the online opening, it will already exist. But in order to get full access to all functions, the client needs to pass verification, that is, confirm all the data specified in the questionnaire with documents. It is impossible to do this via the Internet: Sberbank does not provide for such an option. To pass verification, you need to visit the bank branch in person.

Advantages of connecting an account with Sberbank

Sberbank promises special service conditions to everyone who connects a business account under the Sberbank Business Start program. Among the many benefits are the following:

• Expensive bonuses for promotion through online advertising.
• Connecting mobile banking in the phone.
• Use of Internet banking and new applications and platforms currently being developed by Sberbank. For example, account management through the clock is already available today.
• 24/7 customer support via multichannel phone.
• All necessary business services that can be enabled or disabled at will.

Internet banking and mobile banking for business owners within the framework of the Sberbank Credit Business Start program are connected free of charge. Also, there is no need to pay commissions for payments to the budget, depositing funds to a current account from any source, obtaining an extract on transactions in Sberbank.

It is impossible to open your own business without initial investments, the question is where to get the money to start. The Business Start loan for entrepreneurs from Sberbank will allow you to apply for a loan to open a company from scratch. The main competitive advantage of the offer is that it has no analogues, since banks are very reluctant to lend to future businessmen. But the program has other features that you need to know about.

A business from scratch with Sberbank is a loan for opening, which will give the borrower the necessary financial base to start. The main goal of creating the project was to reduce the likely risks associated with starting your own business for future entrepreneurs. Since loans are provided under franchising schemes, the borrower is invited to first read the multimedia presentation of the project, and then submit an application.

Important. "Business Start" from Sberbank is a franchise. The risks within the framework of this cooperation scheme are minimal, but this does not mean that they do not exist.

To qualify for a loan, a borrower will need to meet a number of requirements:

1. Have a minimum of 20% of the amount to start. The bank regards the availability of funds as proof of solvency.
2. Do not run your own business at the current time. Former entrepreneurs who officially closed 3 months ago or more can take part in the program.
3. Be no younger than 20 and no older than 60. Persons of other age categories are not credited.

You will also immediately need to take a multimedia course on the basics of financial literacy. The materials are provided free of charge; based on the results of training, the borrower will need to pass a test that will determine his financial literacy.

A guarantee can be used - this will increase the chances of approval of the application. It is allowed to attract the company's assets purchased with credit funds as collateral.

Conditions and terms of registration

To obtain a loan from Sberbank to open a business, a future entrepreneur will need to fill out a questionnaire and collect a complete set of documents. Military personnel are required to have a ticket, registration certificate. Also, the bank will be interested in the financial documentation of the future company - be prepared to provide it.

Employed workers must draw up 2-personal income tax in the form for the period of the last three months. If the borrower previously had the status of an individual entrepreneur, a tax return will be required from him.

Requirements for the borrower

Sberbank is ready to issue a loan to small businesses from scratch strictly on certain conditions - the requirements for borrowers are quite strict. This can be understood, because a financial institution seeks to minimize risks, get a guarantee of a refund, and new companies very often burn out already in the year of opening.

Requirements for the borrower:

• age limit from 20 to 60 years;
• availability of own capital to start (at least 1/5 of the required amount);
• absence of the status of an entrepreneur at the considered point in time;
• obligatory passage of training in a multimedia program with a test (the course is free, testing too).

The loan itself is provided as a purchase of a franchise or a ready-made business plan. If the amount is very large, most likely, the bank will require a guarantee or collateral. The deposit must be insured (an employee of a banking institution will tell you more details).

Stages of obtaining a loan

A loan for a small business from scratch in Sberbank is issued in several stages:

1. Verification of the borrower's data, its compliance with the requirements of the program.
2. Preliminary approval of the loan and receipt of a corresponding letter from the franchisor.
3. Confirmation of consent from the franchisor (strictly in writing) that he is ready to acquire assets for their further use in the circulation of financial resources.
4. Provision by a legal entity or individual entrepreneur of documents about the company - registration certificate, charter, constituent documentation.

When all this is done, it remains to wait for a decision. As a rule, it takes 3 working days for the application to be processed.

Important. The most difficult stages of obtaining a loan are negotiating with the franchisor and proving the feasibility of the business plan developed by the bank. Get ready for them.

The decision on the application will depend on the position of the franchisor, the positive practice of repaying funds in banks by the borrower earlier, the availability of collateral assets, and the history of income. By the way, the attitude towards payroll clients or entrepreneurs previously served by Sberbank is more loyal. A rigorous detailed assessment of the profitability of the future project is also carried out.

Applying for a loan to buy a franchise

To get a loan, contact the bank with an application, provide documents. After preliminary approval, consideration of the application, you will be given an answer. Try to provide the necessary papers immediately, otherwise the process may be delayed.

Video: Franchise "Business Start" from Sberbank

Franchising is a special type of commercial activity, which is carried out by the franchisor. The controlling company provides support to start-up businesses, but also establishes certain restrictions on the conduct of activities.

Required documents

To participate in the Business Start program, prepare:

• a questionnaire in the form (the bank will provide it to you);
• passport with a residence permit;
• founding documentation;
• additional proof of income, if any;
• documents for the guarantor;
• securities for property transferred as collateral to the bank;
• certificate 2-NDFL, subject to official employment to the future borrower.

Based on these securities, the bank and the franchisor make a decision to provide the requested amount for opening and running a business. If the decision is positive, a loan is issued.

Application of the business plan

Sberbank issues loans under a business plan - a typical one developed by the bank itself. There are currently three packages:

• Elite;
• Economy;
• Average.

Directions that are available for lending are cleaning, catering, confectionery, beauty salon, hairdressing, baking. There are no other programs at the moment.

Despite the fact that you will work under the guidance of the franchisor, you will not have to pay an entry fee to him. Royalties (monthly payments) are also absent.

An entrepreneur can follow his own strategy. The franchisor does not have to pay monthly royalties. The program also has risks, primarily financial ones. You will be engaged in promotion yourself, but you will not have to coordinate the location of the office, business plans, prices for goods and services with the main organization.

Advantages and risks of a loan

Business lending to start from scratch at Sberbank has its advantages and disadvantages. Working within the framework of the contract imposes certain obligations and restrictions on the entrepreneur, but he can get a loan for the required amount to start a business, and interventions from the franchisor will be minimal for this scheme. By concluding a loan agreement, a businessman receives a cost-effective business model - of course, you can burn out with it, but with a competent approach, the risks of doing this will be minimal.

Benefits of the scheme:

1. Applying the experience of the franchisor and, accordingly, minimizing financial losses.
2. The ability to provide services, sell goods using the name, reputation of the franchisor. That is, you get a promoted brand.
3. Continuous training, providing support during the training of employees.
4. Well-established supply chains, contacts with contractors.
5. Opportunity to choose a franchisor (the list is provided by the bank)

You can propose another franchisor, and Sberbank will consider his candidacy, but the execution of such applications takes more time.

Important. Sberbank is the only bank in the country that works with franchising schemes.

The scheme also has risks. A business can go bust like any other, but the bank still has to return the money. Payouts can be high and put a strain on the entrepreneur's budget. You will also have to pay for advertising campaigns on your own. Therefore, we recommend that you first weigh all the advantages and disadvantages of the scheme, evaluate the profitability of the business plan, and calculate the optimal monthly payments.

When starting a business, many entrepreneurs face the problem of obtaining a business loan. Firstly, not every bank provides such loans. Secondly, lending conditions are so unfavorable for a novice businessman that he cannot afford to take money from the bank. Fortunately, there are fairly loyal loans for starting a small business. They are provided by a well-known financial institution - Sberbank.

Page content

Small Business Lending Risks

Why are banks so reluctant to finance young entrepreneurs? It's all about high risk. In fact, a novice businessman is a borrower who has neither money nor a stable income. And there are often problems with securing a loan. Most applicants cannot provide a deposit. A loan to create a small business is one of the most risky projects, so banks are in no hurry to provide loans to entrepreneurs.

In addition, there is a great risk that a person will not be able to promote his business. In such a situation, an entrepreneur may be declared bankrupt, and then it will be very difficult for the bank to return their money, not to mention the income from the loan.

Small business lending from Sberbank

Sberbank is one of the largest creditors in Russia. In addition to business financing, the bank also provides information support to the country's entrepreneurs - to automate business via the Internet, the bank has developed a unique system. But, like any other bank, this institution is exposed to the same credit risks. To minimize them, Sberbank has developed a special program - "Business Start". A loan for opening a small business from Sberbank is issued to those borrowers who use funds to purchase a franchise in a franchising partner company of the bank.

In addition, the future businessman must develop a business plan, reflecting in it all the planned costs. The bank will analyze the document and assess whether the indicated expenses are justified and whether they are all really related to the opening of a new business. You can also use a ready-made business solution from among those offered by the lender.

Sberbank provides up to 80% of the total amount needed to start your own business, so the applicant must pay the remaining 20% ​​on their own.

Otherwise, the bank makes standard requirements for the borrower:

Poll: Are you satisfied with the quality of services provided by Sberbank in general?

YesNot

• age 21-60 years;
• local registration.

Also, the applicant must be in the register of entrepreneurs, but within 90 days before applying for a loan, he cannot engage in business activities.

List of documents for consideration of the application:

• Questionnaire;
• Passport of a citizen of the Russian Federation;
• Military ID or registration certificate;
• Temporary registration (if any);
• Financial documents of a legal entity or an individual entrepreneur.

The amount and terms of the Business Start loan for opening a small business:

The amount of the annual rate is set taking into account the amount of the loan. If the loan does not exceed 3 million rubles, then you will have to pay at a rate of 17.5% per annum. In the case of a loan for up to 7 million rubles, the rate will increase by 1-1.5%.

As for the term of a bank loan, it is limited to five years. It is necessary to repay the loan according to the annuity system. If difficulties arise at the first stages of debt repayment, Sberbank can meet halfway and provide a deferral of loan repayment for up to 6 months. However, these conditions are negotiated on an individual basis.