What scared small business 7 useless fears

Sanctions, the ruble fall and desk audits. Do you think this fear entrepreneurs? Much worse than the huge interest and paperwork without which it is impossible to take the credit for business development. Or not? We describe how to arrange a loan for their business without a heap of papers, guarantors, trips to the bank and other complications.

1. Paperwork

Banks may require an impressive package of documents for the preparation of which will leave more than one week. Then, if any of the papers you file correctly, it will be asked to replace. This will make the process even longer and more tedious.

In fact

For credit in the bank branches really need to collect a package of documents, including:

• the passport;
• certificate of registration EGRIP;
• financial statements and bank statements with the calculated score;
• an application for a loan;
• a license to engage in business activities.

You can find options in which to obtain a loan need a minimum set of securities: Once the application and information about the company's turnover. Typically, such a comfortable environment offer when you make an online credit.

2. huge interest

Borrow from banks is not profitable: for start-ups they place enormous interest, because they do not believe in the solvency. To pay the debt, you will have to give all their profits and may even take another loan.

In fact

Get a loan for a small business with the rate now really. Most banks, it varies in the range 9-20%. The rate may be fixed and may vary depending on the period for which the loan is taken: the higher the repayment period, the more interest.

3. Long consideration of the application

Filing documents, and then for weeks or even months of waiting until the application considered. And not the fact that the result will be positive.

In fact

Application for entrepreneurial loans from banks treated quickly - from one day to a week. The process may be delayed, but if you forget about any paper or asked to bring additional documents to prove your income, or the right to conduct business.

Get the money tomorrow

4. Unnecessary bank accounts

To apply for a loan, you must be a customer of the bank. If in the end in getting the loan denied, will sit down with unnecessary and a calculated score of each year to spend the money for its maintenance. Or close it - and this extra time.

In fact

To apply for a loan, not necessarily be a customer of the bank. The main thing - to take an income statement from the institution where you open a checking account.

Become a customer of the bank, the lender will still have, but later, when your application is approved.

5. Search guarantors

To get a loan, you need guarantors. Find someone who will agree to take responsibility for a new business, it is difficult. A compromise with friends and family - you do not want.

In fact

Involve friends and relatives for the design of the business of credit is not necessary. can you speak surety themselves. The fact that the borrower is in a loan - a legal entity, that is your business, and you - the boss or owner - as an individual can become a guarantor for yourself.

6. Close pledge

Get a large loan without collateral will not work. Leave the bank documents for real estate or a car scared: what if the matter burned, and you will be left with nothing.

If you do decide to leave a deposit, you will be tormented by collecting additional documents. For example, for an apartment - an extract from the Unified State Register, the sales contract, technical passport.

In fact

Now the margin for the business loan is not mandatory. You can find options for which it is not needed.

7. A trip to the bank

To get credit, it is necessary to downright register in the bank. First come to apply, and then - to drop off the missing documents, then - to get a loan.

In fact

Trains really have to. In some banks, at all stages of processing the loan - from application to issuance of money; in other - only to get a loan.

However, visits to the bank can be completely avoided if you get credit PSB "It's simple!" by PSB. Application is filed through the Internet, and finished documents manager will bring to your office or in another convenient location.

Online credit can be issued for up to one million rubles. Coming up with what to leave as a deposit, not need. Lending period - from three months to a year. The percentage is always the same - 16.5%.

Credit PSB "It's simple!" Is issued to customers with business over 12 months.

For registration of the loan are only required to sign a consent to a request to the credit bureau and handling personal data and information about the company's turnover - a statement of the main online banking or card account 51 th of "1C" program. The long wait for the money do not have to - take a decision within days.

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