Top 10 banks for small business loans

Raiffeisen Bank is ready to offer small businesses loans in the amount of up to 177 million rubles, 5 million are issued without collateral. Credit "Investment" is issued for up to 10 years, "Revolving" for 3 years. The bank does not advertise interest rates for these proposals, but only says that they are set for each client individually.

One of the attractive offers for small LLCs and individual entrepreneurs is Express Credit, offered in amounts from 100 thousand to 3 million rubles. It does not require collateral and additional guarantees, no commission for issuance is charged. The minimum rate is from 17.9%, which is quite high compared to the promotional offers of others, but generally fair at the moment. For this loan, you can not only apply online, but also sign an agreement in the same way, everything will take no more than a day. The offer is available for both existing and new customers of the bank. The last one, if the loan is approved, will be opened a current account in Raiffeisen.

Rosbank is a large universal bank that proudly declares that its credit line is able to meet the requirements of any business. It now contains seven loan offers that reflect all the needs of small businesses. You can arrange a mortgage, car loan, overdraft, refinancing and funds for turnover. The amount is the same everywhere - up to 100 million rubles. Maximum repayment periods range from 1 year for overdrafts to 7 years for other options, including commercial mortgages. The rate starts from 12.25%. Leasing and bank guarantees on favorable terms are also available to small businesses.

Rosbank is really convenient for entrepreneurs. The service of the institution is comfortable, the loan can be easily issued remotely. Particularly convenient is the fact that Rosbank has a deferral for repayment of the principal debt for up to six months. This will allow you, if necessary, to survive the period during which it is problematic to pay the loan.

The largest bank in the country has not remained aloof from lending to small businesses, although it does not offer a very large selection of programs. Here you can apply for "Revolving", "Investment" or overdraft loans. The minimum rate for each of them starts from 12% per annum, but the final rate will be determined after approval. One of the bank's interesting offers is the "Project Loan", which is issued for the development of a new line of business, modernization and other business purposes.

The Bank offers everyone the opportunity to reduce the interest rate on a loan by up to 2%. This will require the fulfillment of a number of conditions, namely the maintenance of account turnover and expenses on a business card, as well as the transfer of a certain amount of salary. A business credit card is another opportunity to use borrowed funds and not even pay interest for it for 100 days. The limit for it is small, up to 1 million rubles, but for certain categories of small businesses more is not required.

Promsvyazbank is a reliable financial institution for legal entities and individual entrepreneurs engaged in small business.In the offers, they can find favorable rates and opportunities, as well as several loan programs. Among them, there are options with a maximum loan amount of up to 10 million rubles for replenishment of working capital and up to 2 billion as part of concessional lending under the program of the Ministry of Economic Development. One of the interesting offers is "Credit Online", which is provided in the amount of up to 2 million for 2 years and is issued without collateral. It is available only to PSB customers who have been using a bank account for at least 6 months.

The most favorable interest rate naturally operates under the soft lending program and starts from 6% per annum. For other loans, the minimum percentage is from 9% and is determined individually for each client, depending on the economic viability of the business, as well as the terms and amount of lending.

Otkritie is a large backbone bank offering various types of loans for small businesses. In addition to a universal loan in the amount of up to 999,000,000 rubles for a period of 15 years at a rate of 11.2% per annum, here you can take money for refinancing, for investment purposes or to replenish working capital. Also, the bank is ready to issue a loan for the implementation of future and already executed contracts with the entrepreneur, which will help deal with the current obligations of the company. Opening credits can also be used for tenders. In some cases, it is acceptable to draw up an individual payment schedule, taking into account business opportunities.

Otkritie offers some of the best express business loans that can be quickly applied for online.These are loans up to 10 million for 3 years at a rate of 12.3%. No collateral, guarantees or any certificates are needed to obtain such a loan. It is enough to leave an application on the site, indicating all the data of the business. The decision of the bank will be within 3 working days. Deserve attention and special credit for business. One of them is called "Young Entrepreneurs" and is intended for those who have registered an LLC or individual entrepreneur no more than a year ago, completed the "You are an entrepreneur" educational course and are aged 21 to 30 years. For those who meet these conditions, the bank is ready to provide from 300 thousand to 2 million rubles for 3 years at a fixed rate of 13.7%.

Rosselkhozbank is one of the participants in government programs to stimulate small and medium-sized businesses through loans. It can get quite favorable conditions for a small business loan. True to its name, Rosselkhozbank is especially loyal to enterprises in the agricultural and agro-industrial sectors, as well as seasonal businesses.

I am glad to be able to get a loan for the development of micro-business. These are small credit programs designed for mini-enterprises and individual entrepreneurs. Within their framework, you can receive from 300 thousand to 20 million rubles for a period of 10 years. Naturally, the conditions depend on the lending program and the solvency of the borrower. It is especially pleasing that Rosselkhozbank cares about micro-businesses in the agro-industry: the bank promises farmers a preferential rate of up to 5% per annum without collateral and filing a large number of documents, but requires repaying the debt within 12 months.Reviews about Rosselkhozbank are mostly positive, although there is a negative on the topic that the bank does not always call the applicant back about the decision made.

VTB is another major bank in the country participating in the state support program for small and medium-sized businesses. It offers a wide range of loan programs for small businesses. With their help, you can solve almost any problem of the enterprise, from the purchase of equipment or real estate to investments or replenishment of working capital. In VTB, you can take up to 500 million rubles in most programs, except for express loans, in which the maximum amount is 10 million rubles, but without collateral. The maximum loan terms vary from 2 to 12 years. For express loans, the rate is from 13% per annum, for other types it is set individually.

In addition to standard programs, VTB also offers special ones. For example, small businesses in the Moscow region can get a loan under the concessional lending program. The amount on it is from 5 to 500 million rubles, for a period of up to 12 years, but the interest rate cannot exceed the “key rate of the Central Bank + 1.5%” indicator. This is a very advantageous offer, although it is valid only in one region.

Alfa-Bank is the largest private bank in the country, which creates really convenient conditions for clients. It offers loans for any purpose, including the development of an existing small business.Loan amounts reach 150,000,000 rubles, the term is 10 years, the rate starts from 13.2%. Without collateral, you can get up to 10 million for 3 years, and up to 6 million can be issued even without a visit to the bank, but only if there is already a client relationship between Alfa-Bank and the business. For amounts up to 3 million individual entrepreneurs, no guarantee is required.

Small businesses also have access to overdraft facilities, business mortgages, electronic bank guarantees, leasing and a loan to fulfill a contract. Another interesting offer is the Alfa-Business Credit credit card with a limit of up to 1,000,000 rubles, an interest-free period of 60 days and a rate of 17.5%. It is issued and maintained free of charge, available to both existing and new customers of the bank, it can be virtual (in this case, it will take a couple of minutes to receive). For certain categories of small businesses, it can become a very profitable financial instrument.

Sovcombank offers both standard loan programs and bank guarantees, tender lending, overdrafts, factoring, credit lines, and contract execution loans to small and medium-sized businesses. There is plenty to choose from and the conditions are very good. As part of the Easy Credit program, you can get up to 5 million rubles for a period of up to two years. This will require a minimum package of documents, and the bank will give an answer about the possibility of lending within 24 hours.

Sovcombank also operates several programs of concessional lending to small and medium-sized businesses.Among them there are the best offers for entrepreneurs of the Moscow region, agricultural producers, and tourism. The conditions for each of them are individual and are presented in detail on the bank's website. Let's just say that for individual programs the rate starts from 2-3% per annum, and the amount can reach 5 billion.

Tinkoff is one of the most convenient banks for entrepreneurs. Here you can apply for a loan without visiting the office, provide a minimum number of documents and receive a loan in just a day. Managers will send you a response within the same business day that you applied for a small business loan. The number of credit programs has increased to 7. Among them there are loans for working capital replenishment, for investment purposes and closing cash gaps (overdraft).

The last loan is interesting in that it allows you to take up to 10 million rubles in the form of an overdraft, the repayment period is only 45 days, while the amount of service will be only 3430 rubles for this period (490 rubles per week). Individual entrepreneurs can also apply for a loan without collateral in the amount of up to 2 million rubles and for a period of three years. Rates start at 8.9%. Another option is a credit line secured by real estate, which allows you to get 15 million rubles for 5 years, with a rate of 8.9%. In Tinkoff, everyone will be able to choose an option for their business, registered both as an LLC and as an individual entrepreneur.