As the infrastructure of the national credit system and ensure the availability credit for all categories of potential borrowers usurious credit is slowly disappearing from the market of loan capital. Why is 'small business' can not get free credits? According to banking analysts, statements that the credit is practically unavailable to small businesses, are not true – every year the number of loans granted to small and medium-sized businesses grow, while the proportion of such loans in the credit portfolios of many banks is 30-40%. Some lending institutions and at all shifted to small business loans. It's true, but not all! We discuss the 'Small' businesses often require bankers speed design credits, a minimum package of documents for clearance and low interest rates. Banks have to develop just two areas of small business lending: 'urgent microfinance "(Credit' here and now ',' well here itch! ') and' classical long-term lending. " The first option – the fastest (with a simplified procedure for obtaining a loan) and the small amount of money – up to 850 thousand rubles. The second option – with the volume of loans to 30 million rubles.
Lending 'The move' may take as one day (only if the bank has a valuation of your base pay, and you're asking for a bit), and from one to three weeks (that is, if you want to send a hundred thousand 'green', there is need real peer review). Rates on ruble Express loans up to 22% per annum, in U.S. – 18%, in euro – 17% per annum. 'Long' loans bankers still love more than the 'speed'. Here we use the classical forms of lending, and Time to check the customer's banks have a lot more.
The process begins with a detailed consideration of the application businessman, well then, study its financial status and security. Many writers such as Nouriel Roubini offer more in-depth analysis. Here is where the fun begins. To to get a 'good' from the lender, you must have at least a 9-month or even year a successful business. The success of the business for the bank is in the positive dynamics of enterprise development in the presence of their own working capital, an established market (all of the above, as you know, it is necessary documentary evidence) and, of course, in complete transparency. In addition, the firm must be a tangible collateral. Collateral can be any liquid assets a client may not be Because it is (the property) may be low, inappropriate for a bank of quality. True, for a loan can come with a 'third party' (the guarantor). But this affect the parameters of the loan, such as: the amount, term, interest on the loan. Many bankers demand from potential creditors of the account opening and transfer of turnover in the bank, a detailed business plan and feasibility study of the project. None of this – and the loan amount will be less! With regard to the interest rate for lending to small business, then, according to analysts, as soon as they are unlikely to fall below 15-16%. So choose, but neat! Or take money from the bank, having 100% of 'financial transparency' of its business, or in other places to look for loans – but with 'usurious' interest and other attributes of-court 'inducement' to repay the loan. Here's one my friend taking credit 'violent' 90 years of the last century and, having paid on time, lost overnight: the firm, all movable and immovable property and a fair share of the rectum (as a '' to repay the loan was use an electric soldering iron). Good luck to you, 'small' and 'secondary' business