Credits for individual entrepreneurs. How and where to get a loan to an individual entrepreneur?
Despite the unfavorable economic situation, in our country they are still making certain efforts to support individual entrepreneurs, as evidenced by the line of lending programs of Russian banks.
Of course, today the topic of simplifying the process of obtaining money for the development of small and medium-sized businesses is hotly discussed by members of the public, and something has already been done in this direction. At the same time, a significant part of experts in the field of lending declares that if it comes to an urgent loan in a banking institution, it is more profitable to do this if an individual appears as a debtor.
Also, analysts are confident in saying that consumer loans are processed faster compared to other programs, since less information is being tested and analyzed.Does this mean that it is not so difficult to get loans for individual entrepreneurs without a certificate of income at the present time? Partly yes.
The fact is that in most cases, entrepreneurs use a simplified taxation system, so banks spend relatively little time analyzing the financial condition of the above category of borrowers.
It should be noted that loans for individual entrepreneurs are issued only when a specific list of documents is submitted. First of all it is necessary to fill in the corresponding application. You must also provide the employees of the credit organization with a document proving the identity of the borrower. In addition, loans for individual entrepreneurs are issued subject to the provision of a certificate stating the taxpayer identification number (it is issued by the Federal Tax Service). Be prepared for the fact that you will be required to document in which the amount of your salary or income will be indicated - in the latter case, a report is drawn up, which is certified by tax officers. If we take into account statistical information, then in the first place in terms of loyalty to potential borrowers is Gazprombank, although its interest rates cannot be called low.
The bank must have guarantees
Of course, the bank should have certain guarantees in case of non-return of debt, therefore, in some cases, it requires additional registration of a guarantee agreement or a pledge agreement.
At the same time, loans for private companies of up to 300 thousand rubles are issued without the use of interim measures. If it is a question of a larger loan size, then only a solvent person is considered as a guarantor, who in the event of a breach of a loan obligation on the part of the borrower should compensate for debts. Moreover, it will be necessary to submit documents confirming the financial viability of the guarantor.
Of course, competition in the field of lucrative offers of lending programs is high, so financial structures periodically soften the requirements for borrowers. For example, those who wish can apply for a loan for individual entrepreneurs in Sberbank for up to three million rubles for a period of 3 months to 3 years with a minimum interest rate of 15.62. The program is called Business Trust. At the same time, it does not provide for material support, and the owner of the business directly acts as a guarantor.
Currently, many borrowers choose short-term loans for individual entrepreneurs. Such programs make it possible to fairly quickly solve current issues that a novice businessman often faces.
The decision to issue a short-term loan is usually made quickly - within 3 days.
A convenient option for obtaining funds for the development of your own business is such a type of lending as overdraft. It is beneficial in that there is no tight schedule for repayment of debt, and payments on the loan are made upon receipt of funds in the current account of the borrower. You can arrange such a loan for individual entrepreneurs in Sberbank. At the same time, the maximum amount of payment will be 40% of the average monthly income received on the debtor’s settlement and currency accounts for the last quarter.
Basic loan options
Today, there are several programs that provide an opportunity for a businessman to borrow money from a bank: universal loans, loans for current activities, investment loans, commercial mortgages, leasing and factoring.
In addition to the above loan methods, we will consider the most popular types of loans currently available.
You do not know which is the best way to get a loan for the development of individual entrepreneurs? Use the universal program. Its advantage is that it does not provide for any special conditions. Moreover, funds received under a universal loan can be spent solely at its own discretion. Perhaps the best loan for an IP business is just that option. With it, you can both replenish working capital and purchase basic ones. In particular, VTB24 Bank offers to use the Kommersant program. By choosing it, you will get the maximum 1 million rubles for a period of six months to 5 years. The interest rate depends on the period during which you repay the debt: up to 1 year - 21%, up to 2 years - 25%, up to 5 years - 29% per annum. This program is beneficial in that the borrower does not pay commissions for loan processing.
You can use the offer of Alfa Bank. You can spend the received money both for working capital replenishment and for investment projects. The minimum threshold is 3 million rubles, the maximum - 50 million rubles.Money borrowed for a period of six months to 3 years.
Attention should be paid to the universal program developed by Uralsib Bank. Its significant advantage is the fact that the borrower is provided with sufficiently long terms of grace periods - the principal amount of the debt can be repaid with a delay of a whole year.
Credits for current activities
If a businessman needs to replenish working capital or buy equipment, equipment or vehicles, as well as modernize production, then loans for current activities are specifically provided for these purposes. For a loan under the above program requires interim measures, including the guarantee. Moreover, in order to issue such a credit to an IP, a bank may require pledging not only equipment, but also circulating or purchased goods.
However, unsecured loans for revenue are now also distributed, the amount of which is recorded on the current account of the organization. In particular, you can borrow money for cash proceeds at Uniastrum Bank. The amount of borrowed funds varies from 50 to 70 percent of the average monthly income in cash.
Bank UralSib offers to replenish working capital with credit money in the amount of from three hundred thousand to ten million rubles. In this case, the maximum maturity of debt is 1 year.
Attention should be paid to the offer of Absolut Bank. The crediting program developed by him takes into account the scale of enterprise turnover. The limit, the interest rate and the debt repayment period depend on this. In particular, the program "Support" provides a loan from three hundred to nine hundred thousand rubles. At the same time, the maximum repayment period is one year if the loan was used to replenish working capital, and two years if the money was spent on the purchase of fixed assets.
Such a procedure, as obtaining an IP credit, today should be not only simple, but also beneficial for small and medium-sized businesses.
A businessman, choosing between a lending program, must initially think about what is of paramount importance for him: as soon as possible, but under bonded conditions, receive money or correctly build long-term partnerships with the bank.If he chooses the second, the quality of cooperation will be impeccable, and, therefore, the loan will be provided on favorable terms.