Sberbank loan for opening a small business. Business loans. Conditions for legal entities

Sberbank is in the TOP-3 credit institutions of the Russian Federation, actively supporting small and medium-sized businesses. A variety of programs, the opportunity to obtain borrowed funds with a minimum package of documents, and affordable tariffs are conducive to long-term cooperation.

Terms of lending at Sberbank

Lending to small businesses and individual entrepreneurs is a priority area of ​​activity for the country's largest bank. Absolutely transparent conditions and a flexible pricing system attract potential borrowers. However, the lender is not ready to cooperate with every applicant, since special attention pays attention to the quality of the loan portfolio.

The potential borrower must meet minimum requirements, namely:

• presence of Russian citizenship among the founders;
• no losses for the reporting period (quarter, year);
• absence of active enforcement proceedings, claims from tax authorities;
• period of activity - at least 12 months from the date of registration (for certain products the period may be reduced to 6 months).

All credit products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is a direction for financing LLCs and individual entrepreneurs with annual revenues of up to 60 million rubles. It is characterized by a minimum package of documents and fast processing times for the application. The conveyor is a technology for providing borrowed funds to clients with revenue from 60 to 400 million rubles per year. A lower interest rate is provided for this direction.

The full line of products for individual entrepreneurs, micro and small businesses can be found on the official website of Sberbank.

Table 1. – Main credit line

Good to know! In 2017, Sberbank launched individual pricing conditions allowing borrowers to receive borrowed money on non-market conditions. The program is valid for borrowing in an amount of 5 million rubles or more. When deciding to establish interest rate the depth of the relationship with the bank is taken into account (the number of available products: business cards, insurance programs, salary project, trade acquiring, etc.). It has become obvious that lending to small businesses in Russia is gaining momentum, and Sberbank remains the leader in this financial sector.

The best small business lending bank!

The growth in Sberbank lending to small businesses in the first six months of 2017 amounted to 6%. The head of Sberbank, German Gref, at a meeting with Russian President Vladimir Putin, confirmed “2017 will be better for banks than the previous one, and Sberbank’s share in it will be from 40 to 50%.”

Small business loan - lending purposes

A corporate loan from Sberbank can be provided for various purposes:

• covering cash gaps;
• modernization of production;
• replenishment of current assets;
• acquisition of commercial real estate;
• purchase of transport and special equipment and others.

The bank is wary of startups, so it won’t be possible to take out a business loan for the development of an enterprise. However, the lender is quite loyal in financing the opening of new directions by existing profitable enterprises.

In general, small business lending programs at Sberbank in 2017 can be divided into 2 groups: targeted and non-targeted. The first ones are intended for purchasing a specific product or financing a specific direction. The borrower must report to the lender on the advisability of spending the money received within the time limits established by the agreement. Non-purpose loans can be spent at the discretion of the client.

Lending modes

When lending to small and medium-sized businesses in Russia, Sberbank implements various options for providing borrowed funds, which allows each client, depending on the specifics of business activity, to find the most best option.

For small businesses, Sberbank offers the following lending modes:

1. Credit. Provides for the transfer of the entire loan amount to the current account of an individual entrepreneur or LLC. In this case, interest is charged on the entire loan debt, regardless of whether the client used the borrowed funds or not.
2. Credit line (ON, NKL, frame). ON has an availability period after which no money will be provided. After the sample is redeemed, the limit is renewed. With NKL, interest is charged on the balance of the loan debt, and the unused limit is subject to a fee. In the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is checking account financing. Ideal for commercial businesses. When revenue or other transfers are received into the current account, the overdraft is automatically written off, which allows you to save on interest.

Stages of small business lending

Applicants can apply for a loan directly from the small business sales sector or through the SBBOL system. If during the call customer base operators will identify the need for borrowed funds, then they will transfer the information to the lending division of the bank and to the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following stages:

1. Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
2. Collection of documents. The Credit Factory technology requires a minimum package of documents (registration documents, financial statements for the reporting period with a receipt for its acceptance by the Federal Tax Service, SRO (if necessary), license (for licensed types of activities), passport of the decision maker). The “Conveyor” technology provides for an expanded financial analysis of the applicant’s activities, so the list of documents is expanding.
3. Analysis of the information provided, structuring the transaction. Analysts, together with representatives of the security and collateral service, check the legal purity of the transaction and calculate the borrower’s rating. For “factory” products, a full analysis is carried out by the client manager.
4. Providing transaction information to the underwriting service. Experts assess the riskiness of the transaction, the solvency and reliability of the borrower. Based on the information received, a decision on the application is provided.
5. Conclusion of an agreement. The loan agreement is signed at the bank office. If the transaction amount is over 5 million rubles, a security specialist must be present when formalizing the contractual relationship.

Good to know! In some cases, approval of the transaction is carried out through the credit committee. It consists of a client manager, to whom the applicant is assigned, the head of the business sales department, an analyst and underwriters. A positive decision is made by a majority vote.

1. Transfer of funds. For non-purpose products, money is transferred to the current account after the application is processed by the BEC office. For targeted loans, money is provided only by order of a strictly established form.

Increasing lending volumes to small businesses - Video

Connection to the Sberbank Business Online system (SBBOL)

Sberbank is the largest player actively cooperating with small businesses. Its conditions for loan products are recognized as the best in the domestic market (according to banki.ru). The Bank actively supports existing enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing borrowings, in comparison with other players, cannot be called minimal, especially using the “Credit Conveyor” technology.

Smart loan Sberbank - introduction of new lending technologies

Sberbank is constantly introducing new principles and approaches to supporting small and micro businesses in Russia. One of the innovations was the launch of a smart business lending program. So, what is Smart Credit? As part of this program, a client who has funds flowing through his bank account can be pre-approved for a loan. The size, rate and terms of the loan are calculated based on analysis of current account turnover. The advantage of this service is that the application process and loading of funds can be completed in almost one day. The program has already been used by many companies who highly appreciate its quality.

Some bank indicators as of September 1, 2017!

Sberbank's net assets are 23.337 billion rubles (the leader in Russia), the amount of capital (according to the requirements of the Central Bank of the Russian Federation) is 3.473 billion, loan portfolio- 15.554. billion, liabilities to the population - 11.429 billion.

A business loan from Sberbank is becoming an increasingly popular tool that allows you to obtain funds to solve your problems. For the convenience of entrepreneurs, several basic lending programs have been developed that have attractive conditions. This allows you to choose the most favorable option, focusing on existing needs and opportunities. You must carefully review all of the options presented.

Loan programs and conditions

A special line of offers is designed for individual entrepreneurs and enterprises that must meet certain requirements.

Non-targeted loans

Trust

The loan is available to individual entrepreneurs, small and medium-sized businesses. The peculiarity of this product is that the program allows you to obtain funds to solve assigned problems in an extremely short time. No collateral is required to apply for a loan.

Business Trust

This offer provides expanded opportunities for individual entrepreneurs and legal entities. Depending on the field of activity of an enterprise or individual entrepreneur, there are the following possibilities for obtaining funds:

1. No collateral. Additionally, you do not need to confirm the intended use. This product is provided primarily to borrowers who are part of the limited “Macro-business” segment and are engaged in transport services.
2. With collateral. To obtain this, a simplified analysis of the enterprise’s economic activities is used. Confirmation of the use of loan funds has a simple procedure, which eliminates many bureaucratic delays.

The types of loans presented require a guarantor, so an individual assessment of the existing conditions is required.

Express bail

The loan is relevant for individual entrepreneurs and small businesses that have annual revenues of up to 60 mln. rubles This proposal allows a business to receive funds for development under a simplified scheme. Real estate or equipment is considered as collateral. One of the advantages of this proposal is that there is no need to confirm the intended use of the funds received.

Replenishment of working capital

This line includes loans to small businesses for current expenses and the implementation of business plans.

Business Contract

This is a special offer for individual entrepreneurs and resident companies of the Russian Federation, which allows them to receive funds from the implementation of concluded government, export and domestic contracts. Depending on the conditions, the loan makes it possible to attract up to 70-80% of the total amount of the existing contract. In addition, this proposal allows you to refinance previously assumed obligations to other banks. The main advantage is that the repayment of the principal amount of the debt is calculated taking into account the receipt of payment from the customer.

Business Turnover

The offer is intended for individual entrepreneurs and small businesses with annual revenues of up to 400 million rubles. You can take out a loan to implement various business tasks. This list includes:

• Replenishment of inventory.
• Purchase of raw materials or semi-finished products necessary for uninterrupted production.
• Carrying out current expenses.
• Formation of a guarantee fee when participating in tenders on a special trading platform Sberbank.
• The funds received can be used to repay loans to other banks.

The wide range of opportunities provided allows you to organize the full-fledged operation of the enterprise, as well as solve many other financial problems.

Express Overdraft

If there is insufficient working capital on the current account, this proposal ensures the execution of urgent payments. The loan is limited to a single interest rate. To obtain a loan you will not need to provide collateral. Loan transactions can be performed through the online system of Internet banking for business.

Business Overdraft

The loan is available to individual entrepreneurs and small enterprises that have annual revenues of up to 400 million rubles. This offer is directly linked to entrepreneurs’ accounts opened with Sberbank. To calculate the amount provided, an analysis of working capital in accounts in different financial and credit organizations is carried out.

Purchase of transport, equipment, real estate

A special line of programs is designed for direct business development.

Business Project

The offer represents a wide range of prospects for individual entrepreneurs and resident companies of the Russian Federation - from starting a business from scratch to expanding and modernizing existing production. Significant amounts of financing, a long lending period, and the possibility of deferment at a certain stage (investment) of project development ensure the implementation of many business plans.

Express Mortgage

This loan is available to enterprises with different legal forms for the purpose of purchasing residential and commercial real estate. The main advantages of the program are a small package of documents and the absence of additional collateral.

Business Asset

The offer is suitable for individual entrepreneurs, peasant farms and legal entities that have annual revenues of up to 400 million rubles. The funds received must be used for the active development of business activities, including the purchase of new or used equipment. The advantage of the program is that the requested amount can include commissioning work.

Business Auto

The program is aimed at direct business development. Entrepreneurs have the opportunity to use borrowed funds to purchase passenger cars or commercial vehicles, special equipment and trailers. The offer can also be used to purchase the necessary components and pay for insurance for the first year.

Business Real Estate

Sberbank of Russia provides financing that can be used for the purchase of commercial real estate. Extended conditions ensure the acquisition of not only finished, but also objects under construction. In addition, as part of this offer, repayment of loans that were received from other companies and banks is available.

Business-Invest

The loan is suitable for rapid expansion and development. The requested funds can be used for the construction, repair or acquisition of a facility under construction, which will be used for business development. There is an opportunity to refinance existing debts.

How to apply for a loan online

To obtain a loan, you must take into account the requirements that Sberbank imposes within each program. This will allow you to immediately identify the most relevant and accessible offers that are relevant to your business.

You can submit your application as follows:

1. You must select the main purpose of the loan. This could be opening a new direction, developing an existing company, receiving cash to pay for current expenses, etc. The required amount and period are calculated.
2. Based on the analysis, a suitable line of credit programs is selected.
3. An application is generated through the online platform and the requested documents are uploaded.
4. After sending, you must wait for a response from the bank.

Step-by-step instructions in pictures:

This simplified procedure does not take much time if you study all the requirements correctly, comply with the conditions and prepare all the documents.

Government-supported lending incentive program

To implement this program, Sberbank PJSC has accreditation from JSC SME Corporation. As part of the ongoing development strategy, preferential loans for small and medium-sized businesses are being issued from the state in 2018.

You can receive funds for core activities, modernization of production facilities, and development of new directions. The program also operates when it is necessary to replenish working capital of various industries related to the following types of activities:

• agriculture;
• processing and processing of agricultural and food products;
• distribution and production of basic utility resources;
• communication;
• construction and transport.

The possible loan amount varies from 10 million to 1 billion rubles. The interest rate varies depending on the subject of activity. An interest rate of 10.6% is available to small businesses, and 9.6% to medium-sized businesses with a preferential loan period of up to three years. The immediate period of the loan itself and the required collateral depend on the conditions chosen.

The Business Start loan product allows you to receive funds to open a business under a franchising program or according to a standard business plan developed by Sberbank.

The credit institution has entered into agreements with companies that are ready to provide a franchise to a beginning entrepreneur. For example, the partners of the program are the chain of Italian restaurants “Sbarro”, “Stardogs”, fast food restaurants Subway, stores “Expedition”, manicure studios of Lena Lenina, toy store “BegemotiK”, a network of clubs early development"Baby Club", clothing stores Baon and Newform, self-service laundries "Chistoff", etc.

The scheme for obtaining a loan is as follows. A potential borrower contacts the bank and chooses a franchise. Studying the multimedia course “Business Fundamentals”. Applies to the franchisor for consent to interact. If the company is ready to cooperate, the borrower fills out an application for a loan and provides a package of documents to the bank. The application review period is three days.

Before granting a business loan, you need to know the rates for individual entrepreneurs and the conditions for their processing. They are as follows:

1. Business lending is possible for a period from one month to 15 years.
2. Rates vary between 11-15.5% depending on the programs.
3. Funds for business require working capital, or are allocated for the purchase of equipment, materials, labor and services.

To receive accruals, an application is submitted. It will be reviewed within a week, after which the applicant will receive a notification using the details specified in the application. The recipient of the loan must personally sign an agreement with the bank for the selected product in the form of a loan program. The amounts are set in the range from 150 thousand to 700 million rubles. The number of programs is about 1600.

At any Sberbank branch, the decision to issue a loan is processed within one day.

Lending purposes

Since 2018, Sberbank has been providing loans both with and without collateral. The collateral can be real estate, goods, equipment or non-negotiable this business client's capital. Lending to small businesses from Sberbank without collateral presupposes a relationship of trust. In turn, trust is based on the previous successful activity of a businessman for at least a year.

For example, consider the “Trust” program. According to it, the bank can issue loans on trust if the annual turnover of the borrower’s enterprise cannot exceed 60,000,000 rubles. In such situations, the entrepreneur is given funds from 100 thousand to 3 million rubles for:

• company development;
• covering unexpected expenses or cash discrepancies;
• refinancing;
• increase in current assets;
• equipment modernization;
• expansion of production areas;
• transport and special equipment.

The rate limit is set at 18.6% per annum. In cases of subsequent loans to small businesses under the same program, the rate will be 17%. If the client refinances and uses the loan to close existing debts, then the rates are reduced by less than 16%.

Lending modes

Sberbank sets the scope of loans, taking into account the specifics of companies, creating suitable banking products on this basis. Applicants now have the opportunity to choose the best option with the following lending modes:

Credit lines (framework, NKL or ON). The framework option involves providing a loan from Sberbank for individual entrepreneurs under each separately concluded agreement and a certain limit for each of them. In NKL, interest will be accrued on the outstanding balance, and the unused limit will be subject to a commission fee. ON has an availability period; If it has expired, then no money will be issued. As funds are spent, the limit will be renewed.

Overdraft. This mode is used to finance current accounts. It is convenient for commercial enterprises. If revenues are credited to the account, then the overdraft will be written off automatically. The interest savings on business loans are obvious here.

Credit. The mode is well suited for individual entrepreneurs and LLCs. It involves transferring the full amount of borrowed funds to their account. In such cases, interest will be accrued on all amounts at once. It does not matter here whether the funds were spent or not.

Lending stages

Money is given out in stages to develop your business. They are the following steps in order:

Submitting applications for business loans.

Consultation. A bank employee helps the client in choosing a product, advises on each product that is more or less suitable, as well as on the terms of issue.

Collection of documentation. To collect the minimum package, the “Credit Factory” technology is used. It should include: financial statements, payment receipts from SRO, IFS, license, registration certificate, decision maker’s passport. If the “Conveyor” technology is used, then the financial analysis of the client’s enterprise is carried out in an expanded manner, and therefore the list of documents increases.

Loan structuring based on the analysis of information provided by the applicant about the impossibility of early repayment. At this stage, analysts get involved in the work, then the collateral service checks the transaction for legal “purity”. "Factory" products are analyzed by the client manager.

There is a so-called underwriting service, which receives information about transactions. There, specialists assess the risks, the reliability of the recipient, his solvency and determine the deadline for making a decision regarding the submitted application.

Agreement of the parties. The signing of the agreement takes place at a Sberbank branch. If the transaction exceeds the amount of 5 million rubles, then the contractual relationship is controlled by a security department employee.

Sometimes transactions are approved by a credit committee consisting of: a client relations manager, underwriters, an analyst, and a sales department manager. A decision is made on the majority of their approvals.

Transferring money. Non-targeted funds will be credited to the borrower's account only if the application is processed by the BEC office. If the loan is targeted, then it is provided by order of the financial institution strictly in a certain form.

Material support for the enterprise is carried out at the initial stage of lending; as a result, the borrower must insure this property. The applicant's non-current assets can also act as collateral. Such assets mean money that is not involved in the company’s turnover, but is reflected in the accounting department.

Requirements for borrowers

Those businessmen who have already been operating have the opportunity to take out a business loan from Sberbank. at the moment. The conditions for issuing borrowed funds also presuppose a successful temporary duration of business, determined from a year for an unsecured loan and from 3 months. for lending with collateral. The chance of approval of a loan request is facilitated by the guarantee of the applicant’s relatives.

The borrower should also know that borrowing money as collateral must be secured by property insurance. Exception - securities and plots of land.

Before financing, Sberbank especially takes into account the state of the borrowers’ credit histories, and refusals in cases of their dissatisfaction are not uncommon.

What documents are needed

Businessmen can submit applications to Sberbank for loans (including in cash) only at bank branches. However, under the Express Overdraft program, applicants can apply for a loan via the Internet through an open personal account on the Sberbank website.

Having chosen the most suitable program for yourself according to the requirements of the LLC, you can begin collecting documents. These should include:

• application signed by the bank and the recipient;
• the applicant's civil passport;
• registration documents for property;
• individual entrepreneur financial reporting.

If a guarantee is issued, then additional documents confirming the pledged property will be required, that it is not pledged elsewhere.

As a result, the application is approved by the credit committee of Sberbank. The review process takes up to five days. Approvals can also occur during the day, for example, under Express Overdraft. For the verdict of approval, the following is taken into account:

1. Profitability of the applicant's enterprise.
2. The effectiveness of the business plan.
3. Credit history.
4. Guarantee.
5. Property for collateral.

If for some reason the applicant was rejected, then he still has the opportunity to obtain a consumer loan.

Is it possible to do without collateral?

Sberbank does not yet have unsecured loan products for applicants who are not currently engaged in entrepreneurial activity. In such cases, a consumer loan is offered to start; No deposit is required for it. And the interest rate here is relatively low - 12%.

Application processing time

Loan applications are processed within a maximum of 8 working days. But usually the procedure lasts 1-3 days. The duration is affected by: the amount credited, the type of program, possible proceedings on credit histories and patterns of spending borrowed funds.

Sberbank calculator for calculating business loans

The calculator for calculating business loans is able to quickly calculate the size of each payment and identify the main parameters of the programs. Example of a calculator for business loans:

Sberbank is among the TOP 3 credit institutions in the Russian Federation that actively support small and medium-sized businesses. A variety of programs, the opportunity to obtain borrowed funds with a minimum package of documents, and affordable tariffs are conducive to long-term cooperation.

Terms of lending at Sberbank

Lending to small businesses and individual entrepreneurs is a priority area of ​​activity for the country's largest bank. Absolutely transparent conditions and a flexible pricing system attract potential borrowers. However, the lender is not ready to cooperate with every applicant, since it pays special attention to the quality of the loan portfolio.

A potential borrower must meet the minimum requirements, namely:

• presence of Russian citizenship among the founders;
• no losses for the reporting period (quarter, year);
• absence of active enforcement proceedings, claims from tax authorities;
• period of activity - at least 12 months from the date of registration (for certain products the period may be reduced to 6 months).

All credit products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is a direction for financing LLCs and individual entrepreneurs with annual revenues of up to 60 million rubles. It is characterized by a minimum package of documents and fast processing times for the application. The conveyor is a technology for providing borrowed funds to clients with revenue from 60 to 400 million rubles per year. A lower interest rate is provided for this direction.

The full line of products for individual entrepreneurs, micro and small businesses can be found on the official website of Sberbank.

Table 1. – Main credit line

Good to know! In 2017, Sberbank launched individual pricing conditions allowing borrowers to receive borrowed money on non-market conditions. The program is valid for borrowing in an amount of 5 million rubles or more. When deciding to set an interest rate, the depth of the relationship with the bank is taken into account (the number of available products: business cards, insurance programs, salary project, trade acquiring, etc.). It has become obvious that lending to small businesses in Russia is gaining momentum, and Sberbank remains the leader in this financial sector.

The best small business lending bank!

The growth in Sberbank lending to small businesses in the first six months of 2017 amounted to 6%. The head of Sberbank, German Gref, at a meeting with Russian President Vladimir Putin, confirmed “2017 will be better for banks than the previous one, and Sberbank’s share in it will be from 40 to 50%.”

Small business loan - lending purposes

A corporate loan from Sberbank can be provided for various purposes:

• covering cash gaps;
• modernization of production;
• replenishment of current assets;
• acquisition of commercial real estate;
• purchase of transport and special equipment and others.

The bank is wary of startups, so it won’t be possible to take out a business loan for the development of an enterprise. However, the lender is quite loyal in financing the opening of new directions by existing profitable enterprises.

In general, small business lending programs at Sberbank in 2017 can be divided into 2 groups: targeted and non-targeted. The first ones are intended for purchasing a specific product or financing a specific direction. The borrower must report to the lender on the advisability of spending the money received within the time limits established by the agreement. Non-purpose loans can be spent at the discretion of the client.

Lending modes

When lending to small and medium-sized businesses in Russia, Sberbank implements various options for providing borrowed funds, which allows each client, depending on the specifics of business activity, to find the most optimal option.

For small businesses, Sberbank offers the following lending modes:

1. Credit. Provides for the transfer of the entire loan amount to the current account of an individual entrepreneur or LLC. In this case, interest is charged on the entire loan debt, regardless of whether the client used the borrowed funds or not.
2. Credit line (ON, NKL, frame). ON has an availability period after which no money will be provided. After the sample is redeemed, the limit is renewed. With NKL, interest is charged on the balance of the loan debt, and the unused limit is subject to a fee. In the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is checking account financing. Ideal for commercial businesses. When revenue or other transfers are received into the current account, the overdraft is automatically written off, which allows you to save on interest.

Stages of small business lending

Applicants can apply for a loan directly from the small business sales sector or through the SBBOL system. If, during a call to the client base, operators identify a need for borrowed funds, they will transfer the information to the lending division of the bank and to the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following stages:

1. Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
2. Collection of documents. The “Credit Factory” technology requires a minimum package of documents (registration documents, financial statements for the reporting period with a receipt for acceptance by the Federal Tax Service, SRO (if necessary), license (for licensed types of activities), decision maker’s passport). The “Conveyor” technology provides for an expanded financial analysis of the applicant’s activities, so the list of documents is expanding.
3. Analysis of the information provided, structuring the transaction. Analysts, together with representatives of the security and collateral service, check the legal purity of the transaction and calculate the borrower’s rating. For “factory” products, a full analysis is carried out by the client manager.
4. Providing transaction information to the underwriting service. Experts assess the riskiness of the transaction, the solvency and reliability of the borrower. Based on the information received, a decision on the application is provided.
5. Conclusion of an agreement. The loan agreement is signed at the bank office. If the transaction amount is over 5 million rubles, a security specialist must be present when formalizing the contractual relationship.

Good to know! In some cases, approval of the transaction is carried out through the credit committee. It consists of a client manager, to whom the applicant is assigned, the head of the business sales department, an analyst and underwriters. A positive decision is made by a majority vote.

1. Transfer of funds. For non-purpose products, money is transferred to the current account after the application is processed by the BEC office. For targeted loans, money is provided only by order of a strictly established form.

Increasing lending volumes to small businesses - Video

Connection to the Sberbank Business Online system (SBBOL)

Sberbank is the largest player actively cooperating with small businesses. Its conditions for loan products are recognized as the best in the domestic market (according to banki.ru). The Bank actively supports existing enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing borrowings, in comparison with other players, cannot be called minimal, especially using the “Credit Conveyor” technology.

Smart loan Sberbank - introduction of new lending technologies

Sberbank is constantly introducing new principles and approaches to supporting small and micro businesses in Russia. One of the innovations was the launch of a smart business lending program. So, what is Smart Credit? As part of this program, a client who has funds flowing through his bank account can be pre-approved for a loan. The size, rate and terms of the loan are calculated based on analysis of current account turnover. The advantage of this service is that the application process and loading of funds can be completed in almost one day. The program has already been used by many companies who highly appreciate its quality.

Some bank indicators as of September 1, 2017!

Sberbank's net assets are 23.337 billion rubles (the leader in Russia), the volume of capital (according to the requirements of the Central Bank of the Russian Federation) is 3.473 billion, the loan portfolio is 15.554. billion, liabilities to the population - 11.429 billion.