Credit is called cashprovided by the bank to an individual or legal entity for a specific period. The transaction is confirmed by the contract in which the borrower must repay the debt. For many, a loan is the only way to get a large amount. Entrepreneurs also need funds to open or develop their own business.
Business lending is a convenient service forpurchase of equipment, raw materials. Getting money is not as easy as it sounds. To make a deal, you need to familiarize yourself with all the features. Indeed, when opening a business, it is important to be confident in obtaining a positive result.
Lending business is supported by the state.Credit institutions are given quotas and instructions on the provision of money to organizations. If the firm exists for more than six months, then there is the possibility of obtaining funds for development.
The more an enterprise works, the moreprobability of opening a credit line and expanding a commercial niche. Doing this yourself and not losing capital is practically impossible. In order to do everything right, entrepreneurs turn to the bank, where there are financial products for all fields of activity.
С развитием собственному делу необходимы денежные funds, therefore, the small and medium business is a necessary service. Money issued by the bank is used to improve the turnover and investments of the company:
Not all business beginners use personalmoney, so they use borrowed funds. These are small amounts and do not require a report. If an entrepreneur borrows money from a bank, then he becomes a regular customer. The possibility of a significant increase in profits gives lending business. Banks offer customers a variety of products with similarities and differences.
For entrepreneurs, this is considered the most convenient.service. The funds are transferred to the bank account of the organization, which has the obligation to return the funds with interest at a stated time. Usually, banks do not need confirmation of the targeted use of money, but they do require collateral or invite guarantors.
Lending business allows for the short time to acquire the necessary equipment, transport, improve turnover. As collateral is provided:
While the contract is concluded, the organization hasthe possibility of changing the collateral, but only with the consent of the bank. If the loan is taken for a long period, it will turn out to take money for a large amount. And with a short period it is possible to save on interest.
Lending business has some peculiarities.Funds are issued in rubles, dollars and euros. The rate is determined by the amount, term and currency. For regular customers, banks reduce rates. Special conditions include:
The decision to issue a loan is sometimes made by analysts on the basis of a business plan. If he is a worker, then a positive response is given to the provision of money.
Lending to medium-sized businesses is carried out withusing collateral. The bank determines the period of the loan, after which the funds come to the company's account, but not in full, but as needed. Interest is calculated only on expenses. This type of lending is convenient for the purchase of small lots of goods.
The credit line has 2 parameters:
Advantages of a credit line for business:
Кредитование среднего бизнеса может done with overdraft. This service is available if you have a current account, and you do not need a deposit for this. Funds are provided on fairly favorable terms. The bank analyzes the movement of money in the account. As a result, set the amount that will be issued to the client if necessary. When the account is replenished with new funds, they close the debt.
Существует фонд содействия кредитованию малого business, which greatly facilitates the position of entrepreneurs. The organization acts as a guarantor, helping borrowers to get a loan. Lending to small businesses is facilitated through the cooperation of funds with banks.
The businessman must apply for a loan, indicatingthat he has a desire to have support from a state organization. The bank considers the situation, given the necessary details. After that a contract is drawn up, an application for a guarantee is sent to the fund. There is a signing of the document from three sides. A small business loan fund may take a small percentage.
It should be noted that such a loan is issued underhigh interest. Therefore, you should contact the bank only if necessary. If, nevertheless, funds are needed, then it is necessary to draw up the contract carefully. In order for the decision to be positive, a business plan is required in advance. It shows what money is needed for and how the profit will be accrued.
Important is the reputation of a businessman.You need to provide accounting documentation, which will increase the chance of receiving money. It must be framed correctly so as not to get a rejection. The average business is more credible to the bank. The pledge may be the funds of the enterprise, goods, property.
Opening an account for legal entities is carried out on the basis of the documents provided:
All originals must be certified by managers, and copies - by a notary. Other documents may also be required.
There are 2 types of borrower assessment: objective and subjective. With the first financial statements are taken into account, and with the second - the following aspects:
There are many risks with business loans.The bank has never worked with some organizations, which causes them to distrust. Every year the number of enterprises that use financial services increases.
For business loans are issued by VTB 24 Bank.This banking product is called "Kommersant". Businessmen have the opportunity to receive up to 1 million rubles for a period from 6 months to 5 years. Overpayment is charged at a rate of 21-29% and is determined by the maturity date of the debt. VTB 24 offers businessmen to use the following services:
Эти программы есть и в «Альфа-Банке».The smallest amount is 3 million rubles, and the maximum is 5 million. The repayment period can be from 6 months to 3 years. Alfa-Bank issues business cards with a limit of 500,000 rubles to business owners. UniCredit Bank provides funds to improve small and medium businesses. The amounts range from 500 thousand rubles to 25 million. Debt repayment time - from 6 months to 2 years. Bank UralSib provides businessmen with loans ranging from 300 thousand rubles to 10 million. The repayment period is 1 year. You can contact Promsvyazbank, where customers are given 5 million rubles for 10 years. Here you need to pay the first installment of 20-40%. The most advantageous offer is at OTP Bank. The rate is 9.5%. The maximum you can take 40 million rubles. Sberbank of Russia also provides business lending. Entrepreneurs can expect up to 200 million rubles. And the rate is 13.26%.
To take advantage of the advantageous optionIt is advisable to read a few sentences, and then select the most appropriate. It is best to apply to several banks to increase the chances of receiving funds. If there will be several approvals, then there is a choice. To date, lending is developing quite successfully. Virtually every organization can use the funds. If you pay debts in a timely manner, banks provide more favorable conditions for their customers.
