Credit for the trust

Even if you are - a businessman beginning - then, sure, well aware that without a cash investment to start a business is extremely difficult. The required amount can save, saving part of their earnings. You can - to borrow from their parents or friends. However, if these opportunities you do not have to apply for a loan to the bank. In this article we analyze how feasible now to get a loan for business development in the Russian banks. Fictional character articles - Moscow businessman Paul beginner who needs a loan of 30 thousand dollars for the purchase of office equipment for your business. From Propositions 55 Moscow banks search engine selected for our St. Paul 25 credit options. I propose to begin with Nomos Bank, which tops the list. Of the five options for business lending, which offers the bank, our fictional hero is more appropriate loan "microbusiness. It is designed for those entrepreneurs, the maximum annual earnings whose firms are not less than 1.5 million Russian rubles - to have something to settle with the bank. Give credit to "microbusiness" in Russian rubles for the purchase of goods, equipment, vehicles, real estate, repairs and other running costs for 2 years. Minimum loan amount - 150 000, Max - 1 million. Just about what we need. Unfortunately, the Bank's website does not reveal the "secrets" about the interest rate, pleading diplomatic phrase that she is determined individually. Paul probably would offer close to the maximum - a large sum, the lack of credit history on loans for business, first appeal to the bank ... annuity payments will be (the same amount and in the first month payment, and the last one) - so that Paul does not need to guess How much this time held in the bank. Depending, again, individual characteristics of the client will be chosen and the provision of credit: collateral (assets worth 50 or 100 percent of the loan amount) or surety 02.01 trusted friends - businessmen. Know their chances of getting credit "microbusiness" by filling in the online preliminary application. Nothing complicated about this - we need only specify the "master data" and to express their wishes about securing a loan and repayment period. Bank of Development of Capital offers entrepreneurs a quick exit from a difficult situation: rapid lending. Just a day after the filing of all required documents businessman can get into your account the amount of 3 million rubles. Provision of such a loan could be: the goods in circulation (up to 100% of loan amount) and private property (or a guarantee of another employer) or the guarantee of two entrepreneurs. Unfortunately, modern life is that you are unlikely to find two businessmen who agree to put on your honesty your business. Unless, of course, it's not your relatives or close friends. Standard loans to attract major funds to 24 months for small businesses in the bank offered in three currencies for a period of 2 years. To future borrowers from the bank has specific requirements: credited business should work no longer than 3 months, and the entrepreneur should provide the bank guarantee: the product of about 75 percent of the loan, a car manufacturing or commercial equipment, personal property (TV, video, audio and home appliances), real estate (apartment, warehouse, cottage, land, etc.). Promise to consider the application in just 3 days. So, even in case of failure in the bank "Development of Capital" you lose a bit of time and be able tomorrow to submit the documents to another financial institution. Third in the ranking - the bank "Revival". It is included in existing programs to support small and medium-sized businesses in the Fund for lending to small businesses in Moscow. Guarantee Fund can be used as the missing security in obtaining credit, which is very convenient. Entrepreneurs Bank offers short-term loans and overdrafts. Moreover, identified three options allowable limits: a maximum of issuance, the upper threshold of debt and with both limits simultaneously. Credit in the bank to get a half years, to issue an overdraft - for a year. Unfortunately, as well as on the websites of other banks, there is a loan calculator and do not specify the interest rate. So, in absentia, to assess their "power" as a payer will not work. Please note that as collateral the bank can take and its the same bill - however unlikely it is so popular instrument of investing money that you have them "accidentally" find themselves. However - please note this, please, on the forums a lot of negative feedback about the bank - the delay timing of the review of documents, illegal commissions, rude employees "Intesa" - no stranger to the financial market, as you must have thought, and renamed KMB Bank. Unlike most banks, Intesa "is not afraid of long-term business - lending: Kdlya small businesses provide loans for working capital, investment and complex goals Ksrokom to 7 years. For example, our hero Paul could get a three-year loan of 900 thousand rubles 15,5-18,5 per cent per annum. True, the bank Intesa "quite a lot of commissions: 1-5% of the amount of loan fees (as if the borrower does not pay commissions for the examination of documents and then - the interest for the use of money), 1-1,5% of the amount paid or balance of principal - for the service account for early repayment - 1% of the payment, 0,02-2% of the price of collateral for the withdrawal or replacement of the collateral. In principle, this article could be infinite - the banks that lend to small businesses in Russia, tens, even hundreds, if take into consideration the regional. And the same distinction in the calculation and payment requirements for borrowers. To the standard of a minimum list of documents that will need to prepare for the meeting of the credit committee. Importantly - carefully (preferably with an accountant) Calculate how much your loan will cost with all the commissions and additional payments to after signing the loan agreement, some of his points were not a surprise for you. Indicative list of documents for the loan: 1. Cc: - the state registration certificate - the certificate of tax registration (INN assignment) - Passport managers (actual) with a "true copy", name and the signature of the owner. 2. Copies of licenses, patents, and permits. 3. Documents confirming the activity of the enterprise - lease office (or warehouse, manufacturing facilities, transport), contracts, invoices, price lists, contracts with suppliers and customers (when available). 4. Information about the presence or absence of bad debt and filing number 2 to the accounts, indicating the balance of servicing banks (if available). 5. Credit agreement (at current loans), collateral agreement, guarantee (if any). 6. Information about cash flows on the existing open settlement, foreign currency accounts monthly for 6 months, with average balances certified by the bank, the customer (if any). Olga Milto.