Though most banks is now called business credit one of the priority areas of human activity, yet for many advanced enterprises to design a bank loan is a serious problem. Particularly difficult and little-known start-up entrepreneurs and owners of small businesses. What types of loans more available to them and how fast can you get them?
The main types of loan products to individuals and legal entities are: loans for the development and opening of business, all kinds of mortgage loans for the purchase of commercial real estate, and more unique types of banking services, including leasing, letters of credit and factoring.
Credit for the development of personal new business in Russia at the moment is almost impossible to obtain. Employees of banks are willing to lend, though with great care, personal discovery of a new direction in an existing company or enterprise. Still, the power of these services and are possible only for regular customers of the bank, or it is very stable and large companies.
The only possible way to get a real money to open his new business is preparation of the future owner of the enterprise consumer loan secured by your property or a particular transport. Almost all banks offer these loans for amounts up to 6.1 million rubles, while interest rates on such loans could reach 18-22% per annum.
Business credit for development of existing activities to get pretty easy. Only now, when money is needed for the purchase of equipment or any other property, and the borrower is able to provide some collateral, the bank may well provide business credit on affordable terms of the reduced rate.