Loan for business development for LLC: a package of documents, conditions. Loans to small and medium-sized businesses

Many entrepreneurs decide to expand their business. But in this case there may be a shortage of funds to achieve the goal. Banks offer to issue a loan for business development for LLC. It is only necessary to choose the most optimal program with suitable conditions and requirements.

If it is necessary to issue a loan for business development, it is advisable to familiarize yourself with the programs of several banks. And it is even better to consult a professional consultant who will help you choose the best conditions. An equally important task is the familiarization with the contract, which specifies the terms of the transaction.

Features of small business loans

A company registered as an LLC can not draw up a consumer loan in comparison with an IP. Therefore, they have little choice. But banks are constantly releasing new programs. The main requirement is the activity of the company. It must be performed for at least 6 months, otherwise there will be a refusal on the application.

The organization provides an opportunity to use a credit line, which with expenses will increase. This is lending without collateral. Even in a crisis period, banking institutions provide loans to the public. Lending to large enterprises, the bank usually does not perform without collateral and guarantors.

Types of loans for LLC

Usually, lending is carried out with a smaller amount and a greater percentage. Then the credit organizations present the division of the sums. The first one can be issued without collateral, and the second one must be secured. Loans themselves are divided into the following types:

• Overdraft. Transfer to the settlement account of the borrower of the approved amount. You can pay the debt by depositing funds into your current account. Money is written off automatically. The goal is to support the company's turnover. Money can be spent on eliminating shortages in the cash register, payment turnovers. Funds can go to the budget. This option of lending is considered the most profitable. Interest rates are fixed and differentiated. Repayment is automatic.
• Credit line. It is used for business expansion. The credit line can be renewable and non-renewable. Usually these loans are used to purchase new funds. Possible purchase of raw materials. Financial organizations are credited in a non-cash form. The funds are spent in whole or in part. A non-targeted program is used, but the credit organization can control expenditure.
• Investment loan. To expand an enterprise or purchase equipment you can issue such a loan. But the conditions for it are more stringent than other loans. It is necessary to collect a lot of documents, as well as create an investment plan that reflects ways to increase revenues.

A credit institution may require a first payment of 30-40%. The crediting period is 15 years. If the company works not so long ago, there can be a refusal. Loans are not issued with a zero balance. Sometimes a pledge is required.

Conditions

The business development loan for LLC is made in Sberbank, VTB 24, Alfa-Bank and other financial institutions. Each program offers its own conditions. It is possible to make loans on bail, bail or without providing collateral.

Banks offer loans of up to 5 million rubles at a rate of 14.5 to 17%. Often, businessmen are offered state programs and registration through major institutions of the Russian Federation.

Receiving

How to get a loan for business development? To do this, go through several stages:

1. To contact the bank, in which there are active accounts.
2. Apply for a loan.
3. Collect the documentation.
4. Upon approval, read the terms and conditions.
5. Sign documents and receive money.

If you contact a bank that does not have accounts, then the institution may require you to transfer all or part of the funds.

Where to go?

Loans to small and medium-sized businesses are provided in different banks. The amounts and rates for each client can be different:

• Sberbank - up to 5 million rubles from 16%;
• "Alfa-Bank" - up to 6 million rubles at 17%;

• "Raiffeisen Bank" - up to 4.5 million rubles, and the rate is assigned individually;
• VTB 24 - up to 4 million rubles from 14.5%;
• "Bank of Moscow" to 150 million rubles at an individual rate.

Sberbank

Sberbank offers loans to businesses, where all entrepreneurs can apply. The programs operate for representatives of small and medium-sized businesses, as well as for large corporate clients. The Bank offers several programs for security, surety and without collateral.

The amount can reach up to 5 million rubles. The rate is 16-19.5% per year. Loans are provided for various purposes: reconstruction, purchase of fixed assets, expansion.

Government program

Not everyone knows that there are various business support programs, for which it is possible to formalize subsidies for the development of their business. Support can be returnable and non-refundable. Get this funding will not all. The advantage is enjoyed by socially-oriented, production, agricultural, business projects.

The number of jobs, the usefulness of products or services are taken into account. It is also important to evaluate the originality, profitability and payback period of the project. Working programs and conditions for participation in them are made out on official websites of the city.

The application is free of charge, so every organization can try. If you prepare an appropriate business plan, then you will receive real money from the state. More preferences are given to entrepreneurs who already have an established business with a constant income.

How to apply?

Loans for small and medium-sized businesses are issued within a few days. It depends on the conditions and requirements, for example, when obtaining a loan with a mortgage.

Getting a loan for an LLC is usually done with the provision of a liquid collateral or an invitation to a guarantor. Otherwise, there will be a refusal to grant a loan.

From scratch

Loans for development of business from scratch are given out, but it is rather difficult to issue them. Banks make tough demands on borrowers:

• Profit making by the enterprise;
• Registration of the company is not less than 6 months-1 year.

Beginning businessmen often automatically reject applications for loans. An exit in this situation will be the execution of a consumer loan for an individual, by pledging property. Loans for business development from scratch are issued and with guarantors.

Without collateral

To issue a loan for LLC without collateral is quite difficult. Borrowers should remember that some institutions, for example, Sberbank, VTB, provide such loans, but the rate will be quite high. The condition of registration of such a transaction is the surety of business owners.

Requirements

The loan for business development for LLC is provided subject to several requirements:

• State - no more than 100 people;
• Profit per year - up to 400 million rubles;
• Income from microorganisms is 60 million rubles, and the state is no more than 15;
• Registration in the Russian Federation;
• Legality of business;
• Age 23-65 years;
• Positive credit history;
• Good turnover of finance.

Documentation

An application is required to obtain a business development loan for LLC. The documents may differ depending on whether the person is a client of the bank or not. Permanent borrowers need to provide financial statements for the last time, securities on collateral, guarantors.

If the client does not use the services of the bank, then he must prepare the constituent documents, registration documents. A map with samples of signatures of persons who have the right to sign is also required. We need their passports, TIN. The list of documents is sometimes extended.

Amount

The loan for business development for LLC is issued in the amount of 3-5 million rubles. But some institutions, for example, the Bank of Moscow, issue large sums. The condition is the solvency of the company and the fulfillment of obligations that are taken when signing credit documents.

Betting

Interest on loans for all customers is determined for each client individually. The payment for the use of loans depends on several factors:

• Solvency;
• The period of financing;
• Loan currency;
• Availability of collateral or surety.

The basic rates are now 14.5-17% per year. And under the preferential programs from the state 10% operates.

Timing

Under standard programs loans are issued for a period of up to 3 years. Sometimes there is longer crediting time. It is possible and early repayment, only it is necessary to immediately know if there is an additional commission for this.

Repayment

The loan is paid in equal or differentiated parts. Sometimes individual variants of the repayment scheme are possible. The transfer is made from the current account to the credit account. If the payment is not made in time, the bank accrues the delay, as well as the credit rating is lowered.

Advantages and disadvantages

The loan for business has its advantages:

• No withdrawal from circulation of funds is required;
• There is an opportunity to register a loan without collateral;
• You can become a participant in the state program, having issued a soft loan.

But it should be borne in mind that banks in the field of lending work only with trusted businessmen. Borrowers must confirm their solvency, open current, deposit accounts, payroll, corporate cards to the company. Only then it is possible to make a loan.