Sberbank online for small businesses. Sberbank assistance to small businesses

The previous article described in detail the advantages of the Sberbank system, as well as the features of registration for an individual. It was possible to see that there is nothing complicated about this; you just need to perform a certain sequence of simple actions. Now let’s look at how to register and log into the Sberbank online system for small businesses.

Advantages of the Sberbank Business online system

Corporate clients of the largest Russian bank They can also take advantage of the convenient service; for this, a small business needs to produce. Users will be able to see the automation of management processes and establish the exchange of various documents with a financial institution. However, to gain access to this system, they must already have an excellent reputation as reliable clients.

Small businesses can register and log into the Sberbank online system not only large companies both entrepreneurs and owners small business. Thanks to it, companies and organizations will gain control over their own accounts, income and expenses, and they will also have the opportunity to connect or refuse additional services. In this case, you don’t even have to go or call the bank, everything can be done online.

The modern Sberbank online system for small businesses will be useful even for those who do not consider themselves experts in the field of finance. With its help, a person can control his own cash flows. After logging into the Sberbank online small business system, you can perform the following actions:

receive and process documents over the network;

receive accurate data on account balances on a specific date;

view balances and accounts;

transmit electronic documents, attaching the required files;

communicate with counterparties or clients within the system.

It is noteworthy that even those business representatives who do not have a current account with this bank can use it. To log into the Sberbank online system, small businesses also require a login and password. To receive them you must first register. You also cannot do without visiting a bank branch, where the entrepreneur or company representative will sign the agreement. It will indicate the basic conditions for the provision of services.

Remember, login and password information must be kept in the strictest confidence. You should not store them in a text file, much less communicate them to the so-called “bank employees.” Under their guise, scammers who seek to enrich themselves at the expense of others may be hiding.

By investing time into your small business, you will gain ample opportunities to use online banking. In the future, all efforts will fully pay off, because payments can be made quickly and with minimal costs. In addition, there will be an excellent opportunity to control your expenses.

To maintain a successful entrepreneurial activity Desire alone is not enough: it is important to be able to use financial resources and have the necessary knowledge. Taking care of the formation of entrepreneurship in Russian Federation, Sberbank has created a new infrastructure format - the central district hospital network.

These are specially created units, which are currently the most unique offer in the banking structure of Russia. Fundamental difference created infrastructure from usual offices - provision of additional non-financial services to small business representatives. They are in addition to existing financing and comprehensive banking services. The services of the Business Development Center of Sberbank of Russia are available to anyone, regardless of what region they live in, and whether they are a client of the bank or not. This will be interesting both to those who are just taking their first steps, and to those who are already the owner of an existing company.

The essence of creating divisions

Within the framework of the Central Bank of Sberbank, entrepreneurs will be able to receive financial services, as well as access to additional services of the bank. The list of non-financial services includes training programs, government support programs, holding conferences and seminars, providing professional advice on the choice of banking products, the most profitable options lending, as well as familiarization with the banking service system. Extra Bonus– providing information about changes in tax legislation RF and extended lawyer consulting. Another “non-standard” proposal is the provision of quoring, i.e. fully equipped conference rooms and offices for negotiations. Indeed, in most cases, beginning businessmen do not have the opportunity to rent premises for these purposes.

The task of the Central District Bank is to create more comfortable conditions for entrepreneurship and increase its efficiency using various banking instruments.

In fact, the system is built on the principle of a “single window”, where a participant can take advantage of the entire list of services offered: from registering an individual entrepreneur to improving their qualifications and financing their future business projects.

School for aspiring entrepreneurs

Business Environment Program

Anyone planning to start their own business will definitely face a lot of problems and questions. And the most “agonizing” questions are how to start, and what direction to choose for your startup. Sberbank has created a unique project “Business Environment”, the purpose of which is to facilitate the activities of new entrepreneurs and create a comprehensive infrastructure for representatives of small and medium-sized businesses. This is an innovative portal where accumulated useful materials, from registration tips to selection recommendations, software and purchasing a franchise. Here anyone can get comprehensive answers to their questions, as well as get acquainted with all the tools for opening and promoting their own business.

The project is an excellent basis for future success

What opportunities does the Delovaya Sreda business school from Sberbank provide to entrepreneurs?

Search for a business partner. Thanks to the project created social network, formed on the principle of information security, any project participant will be able to find partners for long-term cooperation.
Registration of individual entrepreneurs online.
Selling your own product or service without intermediaries. The created platform works like an online auction and provides free trade to all participants.
Access to the online store for the purchase of enterprise automation and accounting products.
Free courses to improve knowledge. Seminars at the “School of Entrepreneurs” are conducted by successful business trainers, both in online seminars and on the basis of the Central District Hospital.
Studying specialized articles in the online publication.

What assistance is provided to a beginning entrepreneur within the framework of the project?

After registering on the resource, a beginner can seek help from the experts of the Delovaya Sreda business school from Sberbank. They will offer him the following cooperation scenario:

Opportunities that participation in the project provides

In addition, you can not only submit an online application for, but also obtain the necessary information about profitable credit lines.

On “Business Environment” you can open a loan for a standard business plan or franchise, as well as apply for a consumer loan. Businessmen who have been working for more than six months can get loans to replenish working capital, for the purchase of equipment and transport, for financing new projects, as well as any secured and unsecured loans.

Small businesses and entrepreneurship at any stage of development need additional financing for new projects. Without loans, you can cope with the expenses that arise in the process of running commercial activities, pretty hard. However, to obtain borrowed funds, due to high risk entrepreneurship is not always successful. To obtain a loan for an individual entrepreneur from Sberbank, you need to carefully prepare, analyze the needs for raising additional funds at the current moment and in the future, and the success of approving the application will largely depend on the package of documents submitted.

In 2018, there is a whole line of loan offers for entrepreneurs and business owners. Correct calculation of loan parameters and optimal choice of product are the key to future commercial victories.

Overview of the loan program for individual entrepreneurs

There are two options for how to get a loan from Sberbank for individual entrepreneurs:

with security (pledge, surety);
without collateral.

Several types of lending have been developed for small businesses, depending on the goals and required volumes. The main tools used by entrepreneurs are the programs presented on the official website: “Trust”, “Business Trust” or “Express with bail”. The choice of a business loan depends on your readiness to obtain collateral.

A special loan calculator will help you determine the optimal program and calculate the interest rate.

Getting a loan from Sberbank for an individual entrepreneur is a difficult undertaking, because financial organization You will need to provide evidence of the security of the transaction.

The non-targeted lending product “Business Trust” offers the following conditions:

The period is no more than 3 years.
The rate is at least 12%.
At the client's request, the bank is ready to provide a 3-month deferment on principal payments, while maintaining interest payments.
The size of the credit line is from 0.5 million rubles. The maximum amount of financing is calculated based on the value of the collateral: 60% of the valuation of residential real estate, 50% of the market price for commercial property, 90% of the amount for bills and certificates of deposit.

The objects of collateral can be:

real estate for commercial purposes or housing;
bill of exchange, certificate of deposit issued by Sberbank;
industrial real estate (warehouses, buildings).

The procedure for issuing and registering collateral is determined by the leading specialist of the bank, assessing the risks and nature of the collateral.

A popular Sberbank product for individual entrepreneurs is the “Trust” loan, which allows them to introduce new ideas in order to expand their business and increase production volumes.

Program parameters:

As the name of the product suggests, a loan for individual entrepreneurs is without collateral.
The accrual percentage is 16.5% per annum.
Maximum amount borrowed money limited to 3 million rubles.
The money is issued with the condition of repayment over a 3-year period.

An excellent opportunity to quickly obtain the loan necessary for business activities is provided within the framework of the “Express Secured by Security” program. In return, the bank will require that the individual entrepreneur’s property – real estate or equipment – be registered as collateral.

Lending terms:

Fund limit – from 300 thousand rubles. Maximum size loans - 5 million rubles.
Loan repayment – within 36 months. The minimum return period is at least 3 months.
The accrued rate is from 15.5% per year. Assigned at the discretion of the lender, but not more than 17.5%.

Thanks to the Business-Invest product, an entrepreneur gets a chance to purchase or build new real estate necessary for conducting business. The purpose of lending may also be to carry out repair work.

As part of the program, an individual entrepreneur can refinance existing debts on a lease or loan from another bank.

Main parameters of the offer:

Repayment – within 10 years.
The accrued interest is at least 11%.
You can take out a loan of 150 thousand rubles.

By using this product, the individual entrepreneur has the opportunity to attract a small amount for a long term, with minimal interest overpayment.

The terms of the Business Asset program allow you to obtain a loan for an individual entrepreneur from Sberbank in order to purchase the equipment necessary for business.

Characteristics of a business development loan:

Duration – no more than 7 years.
The minimum percentage is 11%.
Credit line – over 150 thousand rubles.

The “Business Contract” offer is designed specifically for individual entrepreneurs planning to conduct activities related to securing various contracts (with the state, for the domestic market or export).

Main characteristics:

Loan repayment is within 3 years.
The rate is not less than 11%.
Substantial funding can be obtained to enable large contracts to be handled. The limit of funds is 600 million rubles.

The target option “Business Real Estate” will help you purchase property intended for use for commercial purposes:

Loan repayment is within 10 years.
Percentage – at least 11%.
The minimum loan threshold is from 150 thousand rubles.

The choice of program must be balanced with the intended use of funds, because when considering an application for a loan, the bank will proceed from the validity of the individual entrepreneur’s application.

Whatever loan you choose for an individual entrepreneur, the conditions, taking into account the high risk of the lender, look attractive and ensure minimal overpayment of interest.

When planning to take out a secured loan, you must take into account that only property registered in the name of an individual entrepreneur, and not an individual, can become the object of security.

As with ordinary individual borrowers, the bank sets its parameters for a successful candidate and acceptable loan terms:

The applicant’s age is 23-60 years old, with Russian citizenship and a bank account registered in the region geographically related to the selected branch.
An entrepreneur must have a certain amount of work experience - at least six months. In some cases, the period of mandatory activity has been increased to one and a half years (construction, installation, repairs, cleaning services, transportation, wholesale trade).
If an amount over half a million is requested, a guarantor is involved.
If funds are spent inappropriately, a report on how the funds were used is not necessary.

After receiving the documents and application, the bank checks the information and assesses the risks within three days, after which it informs about the decision made.

Despite the impossibility of obtaining a large loan without collateral or a guarantor, an entrepreneur always has the opportunity to receive a regular classic loan as an individual in the amount of up to 1.5 million rubles. The percentage overpayment will be higher, but the registration process will be noticeably shortened.

It is important for a financial organization that the business that requires borrowing funds is successful and stable. After all, in the event of bankruptcy, returning the funds will be extremely problematic, and the amnesty will lead to losses for the bank. The position of the individual entrepreneur will be helped to clarify the documents submitted along with the application.

The list of documents for an individual entrepreneur loan looks quite extensive, but upon closer examination it becomes clear that most of the papers are available. Otherwise, concluding a loan agreement for an individual entrepreneur has an algorithm of actions similar to issuing a classic loan to ordinary citizens:

Collecting papers according to the list provided by the department employee.
Submit an application and wait 3 days for a response.
As part of the “Express Bail” program, the bank will schedule an additional expert assessment object of collateral.
Signing a loan agreement along with a collateral agreement.
Transfer of funds to a current or special settlement account after its opening in Sberbank.

The new ability to submit an application online significantly reduces the time required to make a preliminary decision, allowing you to avoid visiting a branch.

The most important stage on which the future result of consideration of the application depends is the preparation of a list of supporting documents.

The required documents to obtain a loan are presented in the list:

Identification documents of the applicant (passport, military ID for men of military age, SNILS, INN, confirmation of registration at the location of the bank).
Certificates of registration with the Federal Tax Service, registration with the Unified State Register of Individual Entrepreneurs.
Documentation accompanying the activity (license, certificate of admission to a certain type of work, documents on rent, employment, papers for the real estate used).
Financial statements (a mark indicating that it was accepted by the Federal Tax Service, documents on tax deductions will be required).

When attracting a guarantor, they collect personal documents, certificates confirming labor income (2-NDFL) for six months.

In addition to the above papers, the financial institution reserves the right to request additional information, for example on the subject of collateral.

It is difficult to apply for and receive a loan from Sberbank for an individual entrepreneur due to the strict parameters put forward. Faced with the impossibility of approval, entrepreneurs often consider an alternative lending option using a classic consumer loan.

Another caution that must be taken into account when intending to apply for a loan for an individual entrepreneur: a loan obligation can be issued only once; if you apply for a new loan again, the chances of a positive decision are zero. This nuance forces you to especially carefully determine the requested loan size, increasing it by 10-20% above the expected expenses. The set aside funds will help overcome difficulties if additional funding is required during the implementation of a new project.

Other circumstances forcing you to apply for a consumer loan are the impossibility of agreeing on conditions for starting individual entrepreneurs from scratch, as well as the need to quickly receive loan funds in cash without the need for a subsequent report on the expenditure of funds.

Sberbank is one of the few financial institutions that serves small businesses remotely. For this purpose, the bank offers clients a convenient Sberbank Business Online system. Below we will discuss the main characteristics of this product.

How to connect Sberbank Business Online

The security of personal data is guaranteed by the 9443 protocol used in Sberbank Online for Small Business. This operating principle has a high degree of reliability; it protects your login and password from theft when logging into the system.

To work, you do not need to install additional software. Minimum requirements: a device with Internet access, MS Internet Explorer or Mozilla FireFox. All functions are performed by the website sbrf.ru. Sberbank Online for small businesses exists for Apple smartphones and tablets, and for Android phones. Specialized applications are available for download on GooglePlay and iTunes.

Sberbank Online: personal account for small businesses

You can use the following sections:

Lists with various types documents: letters, payment orders, applications from counterparties.
Directories.
Deleted information.
Archive of documents.
In the center is the so-called working area of the system. It contains toolbars, sorting, and filtering. A list of documents stored in the selected folder is also displayed here. Just below is the Quick View area.

personal account menu

How to view information on a specific document in your personal account, for example, a payment slip.

money orders

In the column on the left, click on the “Payment Orders” folder.
In the central part, all payments stored in the program will be displayed in the form of a list. Each line contains the details of a separate document: number and date of the order, status, payment amount, recipient, purpose of payment, recipient's account, BIC of the recipient's bank.
To see a specific payment, click on it in the list. The contents of the document will appear at the bottom of the screen: basic information, information from the bank, signatures, connections, attributes, recipients.

Payment

In a similar way, you will receive information about other documents. For example, requesting a cash flow statement.

Request for an extract

Sberbank Online for small businesses: main features

Sberbank Business Online will help you quickly perform daily routine actions:

Find out account balances and generate statements.
Receive or send payment documents in rubles and foreign currency.
Create registers of payments for salary projects.
Receive advice from bank employees through the system chat.

Advantages of Sberbank Business Online:

Convenient and intuitive program interface.
While working with a document, the system displays its status: delivered, signed/rejected. You can control payments at any time.
The system has filters and sorting. It will be easier for you to search for documents; the system will quickly find the required form in the repository.
The site constantly updates information in system directories, for example, a directory of banks. Taking care of user directories will be entirely your responsibility. For example, the bank will not update the directory of counterparties.
You can create and save document templates that you use frequently.
Sberbank Business Online is integrated with 1C. This will allow you to easily and quickly import/export documents into the 1C system.
You do not need to visit a bank branch every time to get a stamp. When printing payment slips from the website, Sberbank will display a stamp on them with the executor’s mark.

Electronic document management in Sberbank Business Online

The sbbol system Sberbank Business Online provides small businesses with a powerful and modern system document flow in digital format. This is additional payable service, connect it by filling out the appropriate application in the system. When confirming transactions in e-invoicing, Sberbank uses an SMS code and a “cloud digital signature”.

System electronic document management e-invoicing has the following advantages:

You can exchange documents online, certify them using the cloud digital signature" This way you can quickly resolve issues without personal meetings with partners.
You can easily find out at what stage the solution to your issue is. To do this, simply check the status of the document in the system.
E-invoicing provides reliable and cost-effective document storage. All information in it is in electronic format. The system is highly secure. It is cheaper than maintaining a traditional storage facility.
Thanks to e-invoicing, interaction with tax authorities it became easier. The Sberbank system has a section “Reporting to government agencies” for sending updated documents to the Federal Tax Service. You will create reports that fully comply with government requirements.
The system allows you to correct shortcomings more quickly and easily, and improves the quality of created documents.

The Sberbank Business Online system contains important confidential information, the leakage of which could harm your business and jeopardize your finances. For data security, follow the rules:

Do not store your login and password for accessing information in a file on your computer. It's better to write them down on paper and keep them in a safe place, without indicating what they are. This will prevent attackers from gaining access to the system.
If you confirm transactions via SMS code, check the details of the payment document and the information in the SMS message.
Control fields for entering information. When logging in, provide only your login and password. Immediately close the page on which additional fields have appeared: card number, contact phone number, etc. Such a change may be a sign of fraudster activity. If possible, report the incident to a bank employee.
Be sure to regularly scan all computer files for viruses and update your operating system promptly. Use anti-spyware and anti-spam software. When it comes to personal data security, protecting your computer from malware is critical.
Do not log in from a publicly accessible computer. This applies to Internet cafes, points with free Wi-Fi, etc. Do not visit resources of dubious reputation and do not download pirated software. Avoid PC remote control systems.

Opportunity credit support for business owners it is often the only way to develop and grow in their segment of activity. But from the right choice A lot depends on the lender: even a small difference in the interest rate can affect the ability to repay the loan. But the loan parameters depend not only on the interest rate.

Sberbank of Russia consistently evokes the greatest trust among borrowers. We will talk about it in this article.

Loan programs

Entrepreneurs are interesting clients for the bank, since usually relationships with this category of borrowers are long-term and have development options.

Often, borrowers who took out a loan from a bank to develop their business switch to the bank for cash management services, use and organize a payroll project.

Therefore, Sberbank of Russia OJSC has developed a line of loans to help small businesses, which covers almost all industries of interest to the client.

At the moment, the bank offers merchants:

loan for any purpose (suitable for starting a business);
loan to replenish working capital (for an existing business);
loans for the purchase of equipment;
loans secured by existing equipment and goods in circulation;
bank guarantees;
leasing;
business mortgage.

And, the most interesting option for those who have already taken out a loan from another bank and it turned out to be unprofitable is. Thanks to it, the borrower can transfer all of his existing loans to Sberbank and receive a reduced interest rate and more profitable terms service. This program is equally interesting for both individual entrepreneurs and small business owners.

FOR REFERENCE: Available credit programs can be divided into conditional groups: short-term, long-term, for the purchase of property (leasing, business mortgage), investment (replenishment of working capital, overdraft, for the purchase of goods and equipment).

On the pages of our website you will also learn about. We will tell you about the features of concluding a contract and the possibility of terminating it!
Read about how to get a Sberbank corporate card, as well as why such an offer is beneficial for Individual Entrepreneurs.
We will tell you everything about it, the advantages and disadvantages of such a product, as well as the procedure for its registration on our website!
You will learn what types of letters of credit there are, their characteristics and nuances when completing such a transaction.
Read what are the car leasing conditions for legal entities, as well as its advantages over conventional lending.

Documents and procedure for obtaining a loan

Now let’s talk about what documents will be required from a businessman to apply for a loan, and how the procedure itself occurs. Let's consider the situation using the example of the product “Trust”.

Before contacting a bank branch, an entrepreneur will need to collect a number of documents. The standard package is:

personal documents of the founder ( individual entrepreneur);
for individual entrepreneurs – cash book, tax reporting;
for LLC – constituent documents;
personal documents of the guarantor - an individual (passport, income certificate, TIN, SNILS);
documents for property owned - standard package both for individual entrepreneurs and LLCs (for secured loans).

After the documents are prepared, you need to contact the bank branch manager. First, he will conduct a full consultation and help you choose a suitable loan product.

After accepting the package of documents and filling out the loan application form according to the client, the manager will send it to the bank. Within 1-5 business days, Sberbank analysts will evaluate the application and make a decision on issuing a loan.

If property or goods in circulation are used as collateral for a loan, a date is set for an expert appraiser to visit the place of business.

After making the final decision, Sberbank notifies the borrower about it and sets a date for signing the agreement. After that funds are issued in cash at the bank's cash desk (for small loans) or transferred to the organization’s current account.

From this video you will learn even more about loan offers from Sberbank of Russia to support small businesses:

As you can see, there is nothing complicated, and the application procedure is not much different from standard lending individuals. If the bank needs additional documents during consideration of the application, they can be brought to the branch or, by agreement, sent by e-mail bank manager.

In contact with