VTB Bank is an active participant in government support programs for small and medium-sized businesses. Working capital lending

The need for a loan to replenish working capital can occur in any enterprise, even the most successful. Someone needs borrowed funds to solve current problems, someone needs to expand their business or finance a new project. In any case, when an organization understands that there is a need for financing, it first of all turns to the bank.

The first question that will be asked at the bank is: “Why do you need a loan?”

The purpose of lending can be very different: repayment current liabilities, buying a consignment of goods, expanding a business, opening an additional point of sale and much more.

Financing may be required to replenish working capital due to a seasonal increase in sales, business expansion, acquisitions commercial real estate, equipment, vehicles, any costs of an investment nature, financing of the production cycle, refinancing of loans in other banks.

That is, goals can be very diverse, so a clear formulation and understanding of why you need a loan will help build the right dialogue with the bank (see below). how the bank checks the borrower ).

What is a working capital loan

Obtaining a bank loan for replenishment working capital allows you to solve many problems and increase the profit of the enterprise without investing its own funds.

However, before making a decision on lending, all possible consequences and choose from all the offers the best according to the conditions.

Loan for replenishment of working capital- this is a type of short-term targeted lending, which is provided legal entities in need of additional source financing of production processes.

How to choose the type of loan that suits your company

There are several types of loans, with their pros and cons.

Loans or lines of credit to replenish working capital are the most common credit products.

Working Capital Loan provided to legal entities and individual entrepreneurs for replenishment of working capital due to a seasonal increase in sales, business expansion, financing of the production cycle, refinancing of loans in other banks. Collateral can be any liquid collateral belonging to the business or personal property of the owner, as well as the guarantee of legal entities and individuals.

advantage is the ability to establish an individual payment schedule (which is especially important if your business has a pronounced seasonality), as well as the possibility of directing it, including for the purpose of financing working capital when opening new outlets. In this case, the loan term may be extended.

When determining the interest rate on such a loan, the bank also pays attention to collateral. So, sometimes banks reduce the interest rate by 1 p.p. when pledging real estate.

If the business of the enterprise is permanent, the bank issues renewable (revolving) credit line , which can be used within the established limit during the entire term of the contract. This allows the company to quickly manage its loan debt., since interest is charged only on the amount of the actually used limit. Such a loan can also be partially secured, with an individual repayment schedule.

An overdraft is a short-term, often unsecured, lending within a limit, aimed at financing current payments within . Overdraft is easy to use - the company simply issues payments in a larger volume than the available balances on the account.

The main advantage is the ability to make payments from the account within the established limit in the absence of funds in the account, financing is carried out by the bank automatically without additional documents.

The absence of collateral requirements allows a wide range of clients to receive an overdraft. Automatic loan repayment upon admission Money to the current account allows the client to minimize overdraft debt and interest costs.

When calculating the limit, the net average monthly turnover in the bank where the client applied, as well as partially his turnover in other banks, is taken into account.

Usually the processing time loan application for an overdraft is as short as possible, since it is only necessary to analyze the turnover on the company's current account, and it is for this type of lending that a minimum package of documents is required.

Unsecured loan- Provided at the same time , investment goals, refinancing loans in other banks.

Typically, such loans are provided for a period of 3 months to 3 years, with the establishment of an annuity monthly payment.

What else to look for when choosing a loan to replenish working capital

When choosing a type of lending and a bank, in addition to the interest rate, you should pay attention to additional factors:

• credit term;
• the presence of hidden fees;
• conditions (if that is your goal);
• availability and amount of commission early repayment credit;
• the term for making a decision;
• criteria set by the bank for collateral for the loan;
• what types of reporting the bank accepts when considering your application (someone works only with official reporting, someone also accepts management);
• the possibility of drawing up an individual payment schedule;
• requirements for maintaining turnover;
• individual approach to setting the interest rate.

Other types of loans that can be useful for business

In addition to loans for working capital replenishment, in the lines loan products banks can also find other types of lending that may be relevant and in demand for companies:

Investment loan. This is an investment in the development of your business: the acquisition of commercial real estate, equipment, vehicles and other property, any other investment costs.

car loan- aimed at purchasing a car or special equipment, for the purpose of using it in one's own economic activity enterprises.

Equipment loan In this case, the acquired property acts as collateral.

commercial mortgage- acquisition of commercial real estate (office, industrial, warehouse, as well as land plots for use in their own business).

Factoring or leasing- the opportunity to receive the necessary funds for settlements without collateral.

bank guarantee- in favor of your counterparties for commercial and government contracts. Also, if the company constantly participates in tenders for various services (the Federal Tax Service of the Russian Federation, the Federal Customs Service of the Russian Federation, the RFR of the Russian Federation).

From December 2014 get Bank loan business became much more difficult, as the ruble fell sharply and economic crisis began to dictate "new rules of the game." The problem is exacerbated by the fact that companies do not have collateral for new loans. Everything that fits the requirements of banks is often already pledged. As a result, banks refuse new loans. It seems that there is no way out of this situation? It exists, but not everyone knows about it.

Scheme of obtaining a loan without collateral

Consider the procedure for the example of a conditional company. Suppose its main activity is “Trade in products”. And she herself refers to the subjects of small or medium-sized businesses. The company needs to attract a loan in the amount of 100 million rubles in order to replenish working capital. It has no free collateral (or none at all).

In order to get a new loan, she needs to secure financial support from Russian development funds, which will be collateral for the bank.

There is one "but". A trading company cannot rely on a direct guarantee from SME Corporation JSC under the new working capital loan (see paragraph 9 “Direct guarantee to secure loans for the non-trading sector for the purpose of working capital replenishment”). On the other hand, a trading company can receive support from the Regional Guarantee Organizations (RGO), and then support from JSC SME Corporation. This product is called “Direct Guarantee Issued Together with the Russian Geographical Society Guarantee (co-guarantee)”.

Algorithm for obtaining a loan without collateral

Now let's see what the company needs to do in order to implement the described financing scheme.

Step 1. Find out the list of regional guarantee organizations accredited by SME Corporation JSC according to the territorial basis. Let's say our trading company is registered in Moscow. Then she needs to apply for support to the Non-Profit Organization "Fund for Assistance in Lending to Small Businesses of Moscow" (established on March 13, 2006 on the basis of the Decree of the Government of Moscow dated January 17, 2006 No. 35-PP). According to the regulation of the Central Bank of the Russian Federation, the guarantee of the Fund is recognized as security of the II category of quality, which allows it to be equated to such liquid types of collateral as securities, real estate, equipment and marketable products (see below “To whom the Moscow Small Business Lending Assistance Fund issues a guarantee”).

Step 2 Submit an application and a full package of documents to the partner bank of the SME Corporation/RGO with the condition of providing a guarantee of the SME Corporation and/or the Russian Geographical Society as collateral.

Step 3 Obtain pre-approval for a loan from a partner bank.

Step 4 Apply through a partner bank for a guarantee. Interaction with the "Corporation of SMEs" and / or the Russian Geographical Society on the issue of obtaining a guarantee is carried out by a partner bank. The set of documents for obtaining a guarantee is similar to the set of documents for obtaining a loan ( additional documents are not requested from the SME entity).

Step 5 Obtain a loan from a partner bank after providing a guarantee.

For trading companies, the Moscow Small Business Lending Assistance Fund provides a guarantee of up to 45 million rubles. Companies often seek to get the maximum possible support from the Russian Geographical Society, thereby depriving themselves of this tool in the future.

So, if a trading company receives full support from the Russian Geographical Society, it will not be able to receive a new loan in the future under the scheme: Russian Geographical Society (guarantor) + SME Corporation (co-guarantor). Therefore, we strongly recommend that you receive support from the Russian Geographical Society in the MINIMUM possible amount (depending on the requested loan amount). And the rest of the necessary support for obtaining a loan can be obtained from the SME Corporation.

Example. Apply to the Moscow Small Business Lending Assistance Fund for 10 million rubles, and to the SME Corporation for 60 million rubles. At the same time, the company will still have the opportunity to receive support for 35 million rubles from the Moscow Small Business Lending Assistance Fund if a new need arises to attract borrowed money, for example, in another bank.

The working capital loan will replenish working capital, will pay for current activities, expenses. Often such loans are taken for a short time to ensure the smooth operation of the company, to close the issue of liquidity.

Below we have collected offers from leading banks.

Important note: most often, the loan percentage is not indicated, but even where it is indicated, it should be borne in mind that real interest will be individual.

Sberbank

Business Turnover.
Purpose of lending: replenishment of working capital, implementation of current expenses.

Loan amount from 150,000 rubles.

Loan term from 1 to 48 months.

Interest rate from 11%.

Express Overdraft.
Purpose of lending:

— repayment of debt on bank loans;

— issuance of loans to third parties and repayment of debts on loans;

- purchase of any valuable papers, redemption of own bills and bills of third parties;

— acquisition of shares in the authorized capital of limited liability companies.

The loan amount is from 50,000 to 2,500,000 rubles.

Loan term up to 360 calendar days.

Interest rate 14.5%.

Express Overdraft.
The purpose of lending: to receive funds in case of their lack in the account for the implementation of expenditure transactions.

The loan amount is from 100,000 to 17,000,000 rubles.

Loan term up to 12 months

Interest rate from 12%.

Business Contract.
Purpose of lending: to finance the execution or refinance the costs of execution of state and export contracts, domestic market contracts.

The loan amount is from 500,000 to 200,000,000 rubles.

Loan term from 1 to 36 months.

Interest rate from 11%.

Credit Trust.
Purpose of lending:

- business development;

- repayment of loans in third-party banks.

Loan amount from 100,000 to 3,000,000 rubles.

Interest rate from 16%.

Credit Trust.
Purpose of lending: for any purpose.

Amount of credit:

- with a deposit of 500,000 rubles;

— without collateral from 80,000 to 3,000,000 rubles.

Loan term from 3 to 36 months.

Interest rate:

— with a deposit of 12%;

– without collateral from 15.5%.

Express bail.
Purpose of lending: business development.

Loan amount: from 300,000 to 5,000,000 rubles.

Loan term up to 3 years.

Interest rate from 15.5%.

VTB

Overdraft.
Purpose of lending: quick receipt funds to cover the cash gap.

Loan term up to 24 months.

Interest rate from 11.5%.

Reverse lending.

Loan amount: up to 150,000,000 rubles.

Loan term up to 36 months.

Interest rate from 10.5%.

Lending to participate in an electronic auction.
Purpose of lending: replenishment of working capital and covering cash gaps.

Loan amount up to 35,000,000 rubles.

Loan term up to 12 months.

Interest rate from 12%.

Alfa Bank

Business loan.

Purpose of lending: replenishment of working capital; acquisition, repair and reconstruction of fixed assets.

The loan amount is from 300,000 to 10,000,000 rubles.

Interest rate from 14% to 17%.

UniCredit Bank

Loan to finance working capital.

Purpose of lending: replenishment of working capital in connection with a seasonal increase in sales, business expansion, financing of the production cycle.

The loan amount is from 500,000 to 73,000,000 rubles.

Loan term from 3 to 60 months.

Promsvyazbank

Business loan.

Purpose of lending: purchase of vehicles or equipment, repair of office or industrial premises, replenishment of working capital, or acquisition of real estate.

The loan amount is from 3,000,000 to 250,000,000 rubles.

Loan term up to 180 months.

Opening

Business loan.

Purpose of lending: replenishment of working capital.

Loan amount from 300,000 rubles.

Loan term from 6 to 60 months.

Interest rate from 9%.

RosselkhozBank

Reverse standard.

The loan amount is not limited, it is determined taking into account financial condition borrower.

Loan term up to 2 years.

The interest rate depends on the loan term and the collateral structure.

Credit product Overdraft.
The purpose of the loan is to cover cash gaps.

Loan amount up to 50% of the net credit turnover on the account.

The interest rate depends on the term of the loan.

Micro overdraft.
Purpose of lending: covering cash gaps.

The minimum loan amount is 300,000 rubles.

Loan term up to 12 months.

The interest rate depends on the terms of the loan.

Micro.
Purpose of lending: purchase of inventory items, payment of rental payments.

Loan amount from 100,000 to 4,000,000 rubles.

Loan term up to 36 months.

The interest rate depends on the terms of the loan and the structure of the collateral.

Loans for current purposes.
Purpose of lending: replenishment of working capital, including the purchase of inventory items, goods for use in their own production activities and/or for the purposes of implementation; payment for works, services, taxes and fees.

The loan amount is not limited, depending on the financial condition of the borrower.

Loan term up to 2 years.

The interest rate depends on the term of the loan.

Loan for replenishment of working capital: conditions, amounts, banks

The working capital loan was created specifically to help small and medium-sized businesses not to wind down their business due to financial difficulties. Also, such a loan can help in increasing and expanding the business. Financial resources provided for purposes such as the opening of a new outlet or to purchase a stock of goods.

The loan amount can vary greatly. A small business will be enough for one hundred and fifty thousand, but sometimes the required amount is several million. You can enter any loan amount. The final word will remain with the bank. The larger and more stable the income of the firm, the higher the probability of approval of the maximum amount.

The requirements for borrowers in all banks that provide such a loan are quite strict, but approximately the same. Most likely, the bank will ask you to present constituent documents, financial statements and documents confirming the legality of the business. In addition, a guarantor and collateral are usually required. The term of the loan and methods of its repayment are negotiated with the bank separately.

1. Within the framework of cooperation of JSC "Federal Corporation for the Development of Small and Medium Enterprises" it is possible to obtain a loan at a preferential interest rate under the Program for stimulating lending to small and medium-sized businesses (the Program). Loans under the Program are provided for the purpose of acquiring fixed assets, modernizing and reconstructing production, launching new projects in the following priority sectors:
   • Agriculture / provision of services in this area
   • Manufacturing industry, incl. food production, primary and subsequent processing of agricultural products
   • Production and distribution of electricity, gas and water
   • Construction, transport and communications
   • Domestic tourism
   • High-tech projects
   • Health activities
   • Collection, processing and disposal of waste, including sorted materials, as well as processing of metal and non-metal waste, garbage and other items into secondary raw materials

   More detailed information on the Program is available on the website http://corpmsp.ru/

2. Within the framework of cooperation with the Government of Moscow, it is possible to subsidize SMEs in order to reimburse the costs of paying interest on loans attracted by small and medium-sized businesses in Russian credit organizations. More detailed information is available on the website www.mos.ru.

List of regional guarantee organizations - partners of VTB Bank

In order to carry out a reliable assessment of the property serving as collateral for your loan, we suggest using the services of appraisal organizations (individual entrepreneurs) recommended by the bank. The bank's high quality standards of appraisal, as well as the selection procedure, which results in the formation of a list of recommended appraisal organizations, guarantee the reliability of the results of their activities. The selection procedure ensures the protection of your property interests when assessing the property acting as collateral for the loan.

The selection of valuation organizations (individual entrepreneurs) is not formal procedure. We make the decision to include an organization among those recommended by the bank only after we check its legal status and make sure of its high professional level and impeccable reputation.

You can choose any appraisal organization ( individual entrepreneur) from those recommended by the bank. If among our partners there is no appraisal organization that you trust and that is stable in the market of appraisal services in your region, you can use the services of your chosen appraisal organization.

Loan for replenishment of working capital for the execution of the contract from " single center business support” will provide additional injections of funds into your business. On the market financial services This type of lending has proven itself.

It is in great demand by enterprises working with government orders, tender winners. The loan amount depends on the financial and property condition of the enterprise and can reach 30% of the contract amount. Gentle rate of 12% per annum. Revolving lending is issued without collateral of property and guarantee.

How to get such a loan?

1. Come to us and apply for a loan for the execution of the contract.
2. Collect and provide us with a package of constituent documents and financial statements.
3. Provide an agreement with the customer, who is liable for payment for the work, goods or services performed.
4. Pay the bank commission and get a loan.

Advance payment under state contracts is provided very rarely, the Contractor does not always have enough own funds. And this one the new kind banking product opens up great prospects for the enterprise.

Not withdrawing from circulation own funds, You will be able to enter into several contracts. Attracting a loan against working capital will make it possible to fulfill all contractual obligations and receive a guaranteed profit.