Loan for business development without collateral. Choosing a loan for small business development from scratch

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The economy in our country is developing rapidly. And business among the population is one of the popular ways to generate income in order to ensure decent living conditions. But, unfortunately, potential entrepreneurs do not always have the initial capital to open or expand their activities. Therefore, many people think about which banks are ready to provide a loan for business without collateral or guarantors.

Loan from Sberbank

Sberbank is a fairly popular and reliable credit institution in our country, offering a loan for starting a small business without collateral or guarantors. Financing can be provided for both long and short periods of time. This bank offers clients to use a program such as “Business Trust”, which does not oblige borrowers to state the purpose of the loan.

Conditions of registration

• The loan is issued for a period from 3 to 48 months.
• The interest rate depends on the period for which the loan is issued. The longer the term, the higher the interest.
• Financing is provided only in Russian rubles.
• If necessary, a deferment on payments can be granted, but not more than 3 months.
• The loan amount is up to 3,000,000 million rubles.
• No commissions.
• Late payment of amounts under the agreement entails the accrual of a double interest rate on the late payment, which is separately stated in the agreement upon its conclusion.

Under this program, Sberbank offers an urgent loan for a business without collateral or guarantors, but only if a private entrepreneur who wants to expand his activities has an income of at least 400,000,000 rubles per year.

The lending program for small businesses at VTB 24 Kommersant offers quite interesting conditions. For more information about the program and to conclude an agreement, please contact the bank branch.

Loan from VTB 24

VTB 24 offers clients to apply for a loan without collateral or guarantors online by choosing one of 3 programs:

• Business Express. In this case, a loan is issued in an amount of no more than 4,000,000 rubles at an annual interest rate of at least 14.5%. In this case, the loan term is up to 7 years.
• Merchant lending under this program involves providing a loan for a period not exceeding 5 years. The amount that the bank is ready to provide varies from 500,000 to 5,000,000 rubles at an annual interest rate of 22.5%.
• Business express target - this loan option for a business without collateral and online guarantors does not allow you to apply for a loan in the amount of more than 3.5 million rubles. The maximum loan term is 5 years. And the initial rate for this financing scheme is 14.5%.

To apply for a business loan without collateral or guarantors online, you must go to the official VTB24 website and fill in the requested data in a special form, which must be reliable, since the bank will carefully check all information. After this, you need to send an application and wait for a call to discuss this issue in more detail.

VTB24 finances entrepreneurs only if an account is opened with this bank.

Loan from Alfa Bank

Alfa Bank offers several programs to obtain a business loan without collateral or guarantors. One of the main advantages of this financial organization is that, if necessary and if the borrower wishes, a payment schedule can be drawn up for each individual. After expressing a desire and submitting an application from a private individual for a business loan without collateral or guarantors, the bank makes a positive or negative decision within 30 minutes.

Main conditions

• Having a positive credit history.
• A legal business that has been in operation for at least 9 months at the time the loan is issued.
• The client must have citizenship of the Russian Federation.
• Loan term - up to 5 years.
• At the time of applying for a loan, the borrower must not participate in any legal proceedings.

The bank sets document requirements for each client individually. This is influenced by many factors, including the desired loan amount, the term of its repayment, the type of activity and the characteristics of the business.

For what purposes is the loan provided?

A business loan without collateral or guarantors in Tyumen and other cities is issued by Alfa Bank to increase working capital when planning business expansion, to purchase more advanced equipment or to repair and modernize existing equipment, as well as to purchase or repair commercial real estate and vehicles.

Financing can be provided for other purposes, but the main thing is that they are directly related to the development of business activities.

Online loan calculator

To take out a business loan without collateral or guarantors, it is not at all necessary to immediately go to the territorial bank branch; you can first submit an application online and also use a special calculator. To do this, you need to enter the requested data in the form provided: the desired loan amount, the annual interest rate and the loan period. After this, the system will make an approximate calculation of the payments that will need to be made monthly and the total overpayment on the loan.

According to numerous reviews, a business loan without collateral or guarantors is an excellent opportunity to open or develop a business. Which bank to contact is an individual decision for each potential borrower. The main thing is to competently study all the proposed conditions, assess the risks and financial possibilities.

Business development and expansion requires regular investment. The question of the need for financial investments sooner or later arises among both beginning entrepreneurs and successful businessmen. In such a financial situation, the question arises: “Where can I get a loan for an individual entrepreneur?”

And this article presents how banks where you can get an individual entrepreneur loan without guarantors or collateral. In order to collect for you all the best bank conditions in one place, we analyzed quite a lot of loan offers that provide loans for individual entrepreneurs in 2019.

Ways to get an individual entrepreneur loan

Bank lending is an effective and prompt solution to financial problems, a beneficial tool for the development of small and medium-sized businesses, and the ability to respond in a timely manner to emerging negative circumstances. Loans for individual entrepreneurs are available for targeted business development, replenishment of working capital, purchase of new equipment, and expansion of the production base. Almost every credit institution has loan offers, even for individual entrepreneurs with zero reporting (declaration).

Private entrepreneurs confirm their solvency on the basis of accounting documents, which indicate income from FCD; using declarations; income and expense journals; other accounting reports. In order to obtain a loan for an individual entrepreneur from scratch, it is necessary to draw up a promising business plan. It should reflect specific indicators for future periods, taking into account the specific nature of doing business in Russia and the real level of demand for specific services or goods. When considering an application for a loan for entrepreneurs, it is important for the bank to understand for what purposes the loan money will be used, and from what funds it is planned to repay the debt. The bank’s credit manager will answer the question of how exactly to get an individual entrepreneur’s loan under the chosen program.

What loans are given to individual entrepreneurs? For small and medium-sized businesses, banks offer loans in the following areas:

1. Express - loans: designed for businessmen with limited time. A minimum package of documents is provided. The decision to approve the loan and issue it is made within an hour. The interest rate for such programs is much higher, the loan term is shorter.
2. Consumer loan for individual entrepreneurs: a wider package of documents is required. If you need a large amount, you should be prepared to provide loan collateral in the form of real estate, vehicles no older than 3 years, or capable and solvent guarantors.
3. Target programs, including government: include loans for small businesses. This is a type of financing the activities of legal entities, when the Assistance Fund can act as a guarantor. Issued only for specific purposes. Designed for entrepreneurs engaged in promising business and already registered for more than three months.
4. A number of banks provide Individual entrepreneur cash loan, revolving/non-revolving lines of credit and overdrafts.

TOP 6 profitable banks for an individual entrepreneur loan

Ratings of banks offering the most profitable loan products for individual entrepreneurs are formed from an assessment of general conditions, a list of required documents, interest rates, loan duration, and possible cooperation with starting individual entrepreneurs.

It is beneficial for individual entrepreneurs to take out a loan from the bank where the current account is opened. Loans are offered to regular customers on favorable terms. Before opening an individual entrepreneur account, it is recommended to monitor banks not only regarding favorable tariffs, settlement and cash services, but also from a lending point of view.

The best offers in 2019 are offered by UBRIR, Housing Finance Bank, OTP Bank, Renaissance Credit and Sovcombank. We offer you to get acquainted with the terms of lending a specialized loan for small businesses from 2 banks and 4 universal consumer loan programs that can be obtained by an individual engaged in individual entrepreneurial activity.

The best bank giving a loan for individual entrepreneurs secured by an apartment from BZhF

Very often, entrepreneurs need a large sum of money to develop their business, to increase turnover or for other purposes related to business development. It is very difficult to take out a large loan without collateral, even if you collect certificates. And then the best option is a loan for an individual entrepreneur secured by an apartment. The Housing Finance Bank is by far the most popular bank among individual entrepreneurs, which lends against real estate, issuing the necessary amount of money to businessmen without bureaucracy and unnecessary certificates in the shortest possible time. Due to the fact that the apartment is collateral, the bank evaluates your credit history and your business more favorably. This gives a real opportunity to take out a loan for an individual entrepreneur without refusal.

So, the loan terms:

• The loan term is up to 20 years, and the rate is from 12.49%.
• Amount up to 8 million rubles (but not more than 50-60% of the market value of the apartment).
• If the apartment is owned by a spouse, then she can be indicated in the loan agreement as a mortgagor.
• Early repayment at any time without penalties or moratoriums.
• The apartment must be located in the cities where the bank operates: Krasnodar, Moscow, Nizhny Novgorod region, Novosibirsk, Omsk, Perm, St. Petersburg, Yekaterinburg, Kazan, Volgograd.

Business loan for individual entrepreneurs secured by real estate

In the last few years, P2B crowdlending projects have been actively developing all over the world, when individual investors lend to borrowers without the participation of credit institutions. In Russia today there are also such companies offering lending to small and medium-sized businesses on simpler and more understandable terms.

One of these companies is the investment and business financing agency “Money in Business”, which lends to individual entrepreneurs secured by real estate and without providing management, accounting and other financial statements.

The loan offer is inherently unique and cannot be compared with any other bank. If an entrepreneur urgently needs money, we recommend paying attention to this company.

Brief terms of the individual entrepreneur loan:

1. The minimum amount is from 500 thousand rubles for a period of 2 years with the possibility of extension.
2. Funds are issued strictly for targeted financing of your business.
3. It is possible to provide commercial or residential real estate, as well as real estate of third parties, as collateral.

Bank giving a loan to individual entrepreneurs without collateral or guarantors

OTP is one of those banks that provide consumer loans to individual entrepreneurs without collateral or a guarantor. The undeniable advantage of this credit institution is the ability to submit an application online from the official website and receive a final decision in 15 minutes. OTP Bank offers profitable cash loans for both individuals and individual entrepreneurs.

Lending terms:

• Loan amount from 15 thousand to 4 million rubles.
• The loan is issued for a period of 12 to 120 months.
• Interest rate - from 10.5% per annum.
• Providing security in the form of a guarantor or collateral is not required.

The only documents you need to submit are a passport of a citizen of the Russian Federation, a Unified State Register of Individual Entrepreneurs (USRIP) certificate, and an INN. The bank is ready to cooperate with beginning businessmen.

Cash loan for individual entrepreneurs from scratch on the day of application

Renaissance Credit is one of the few banks that provides consumer loans, including for individual entrepreneurs. We list the main advantages and possibilities of a cash loan for individual entrepreneurs in this bank:

• Credit limit - from 30 to 700 thousand rubles;
• Interest rates range from 11.9%;
• Duration of the loan agreement: from 24 to 60 months;
• To apply for a loan, it is enough to present a passport of a citizen of the Russian Federation and a second document of your choice;
• No collateral is required, but proof of title to the property will guarantee a reduced interest rate.

The application is sent from the bank's website. If approved, you must visit the office and submit a minimum package of documents. Private entrepreneurs only need to bring a certificate of state registration of individual entrepreneurs. A balance sheet is not required. You can also provide a title for a car or documents for an apartment as your solvency. (The deposit will not be used!). Offers from Renaissance Credit Bank can be taken advantage of by businessmen starting an individual entrepreneur business from scratch. The optimal rate and loyal conditions will allow you to quickly receive the required amount on the day of application without unnecessary paperwork.

Sovcombank - cash loan at low interest rate

Sovcombank offers consumer loans to all categories of citizens, including individual entrepreneurs.

1. The limit is 1 million rubles for any purpose.
2. Base interest rate from 12% per annum;
3. The application can be submitted via the Internet, the loan is issued at the bank office.
4. The loan is issued for a period of up to 60 months.
5. Review of the application from one hour to three days.

Individual entrepreneurs have the opportunity to get a loan in a larger amount by providing real estate or a vehicle as collateral. There is a program “For Responsible Plus”. No documentation is required from private entrepreneurs. Therefore, a consumer loan from Sovcombank is suitable for individual entrepreneurs with zero reporting.

Attention! The bank approves loans to new customers only for persons over 35 years of age. If you have less, then it’s better to leave your application at another bank.

Loan "Trust" for business development from Sberbank

A loan for individual entrepreneurs is offered by the country's main lender, Sberbank. The Trust program will allow you to resolve current financial difficulties and implement plans in the future. The essence of a business loan:

1. Type of loan - without collateral and for any needs.
2. The loan is available to individual entrepreneurs whose annual revenue does not exceed 60 million rubles.
3. When taking out a loan secured by a guarantee, a reduced interest rate applies.
4. The base rate is 16.5% per annum.
5. The maximum loan term is 36 months.
6. Credit limit - up to 3 million rubles.

Sberbank requires documents for an individual entrepreneur's loan, such as a citizen's passport - an individual, a military ID if available, a Unified State Register of Individual Entrepreneurs certificate, a certificate from the Federal Tax Service on the registration of a private entrepreneur, the latest version of financial statements with the seal of the tax authority, tax payment receipts. Licenses, permits to operate, lease agreements (sublease) or certificates of ownership of non-residential premises may be required.

Thus, answering the question of where to get a loan for an individual entrepreneur and how to get it is not so difficult. If the terms of a specialized loan for a small business are difficult to meet, it is possible to take out a standard consumer loan in an amount acceptable for starting a business. I hope the review of the conditions of banks issuing loans to individual entrepreneurs was useful for you and you will find financing for your business from the proposed list.

In most Western European countries you can live on unemployment benefits. If you get tired of endless spitting at the ceiling and don’t want to go to work, go to the bank, get a loan and open your own business from scratch. The main thing is the desire to work and earn money. In Russia, unfortunately, desire alone is not yet enough, but some progress in this direction has already been outlined.

Business loan from scratch

Before the onset of a critical situation in the economy, domestic entrepreneurs received loans very willingly. Today the situation has changed for the worse and you most likely will not succeed in asking for money with absolutely zero and nothing else behind you.

Today they are issued to those who have stayed afloat on their own for at least 6 months.

Even if you successfully worked in the gray sector of the economy for some time, but switched to the official tax system, even without submitting reports, the chances of finding yourself in the role of a borrower are very high. What is important here is actual successful experience in a particular field, as well as the availability of assets involved in the business in the form of equipment or working capital.

Small business development loan

What conditions await legal entities, as well as individual entrepreneurs, when applying for a loan for small business development? For a change, instead of Sberbank’s offers, let’s consider the conditions offered by a commercial bank in Moscow. This financial institution has a financial product called “Small Business Development Loan”. The borrower selection criteria are as follows:

• The interest rate is determined individually, based on the level of creditworthiness of the borrower.
• Submission of applications is available to individual entrepreneurs and legal entities in the form of LLC, CJSC and OJSC.
• Minimum 9 months business experience required.
• The enterprise must be located no further than 200 km from the bank’s credit division.
• The period for issuing funds is up to 5 years.
• The amount is no more than 150 million rubles.
• Any valuable property belonging to the potential borrower is welcome as security for obligations.

Loans to small businesses from the state 2015

Let's return to Sberbank, because when assessing the processes of lending to small businesses, it is impossible to do without analyzing the activities of this organization. The commercial institution takes an active position in supporting entrepreneurship in the country; loan products are provided under the additional guarantee of the Credit Guarantee Agency. As a result of this practice, the interest rate can be reduced by an amount from 1 to 4%, depending on the lending conditions.

Small business loan from scratch from the state

Since cooperation with the Credit Guarantee Agency (CGA), Sberbank has already issued 138 loans for a total amount of 505 million rubles, which account for 264 million guarantee funds. In 2015, the country's main bank, with the participation of AKG, plans to “distribute” 60 billion rubles to small and medium-sized businessmen.

Loan for starting a small business from scratch

Recently, the state has seriously begun to support newcomers who are developing high technologies and other necessary projects through the creation of startups. New entrepreneurs have access to not only loans on special terms, but also consultations and valuable advice from qualified lawyers and financiers. In addition to access to preferential lending programs, talented entrepreneurs have access to a form of financing such as subsidies.

Sberbank loan to small business from scratch

Sberbank lends to small businesses more actively than other commercial institutions and its conditions are, perhaps, also the most favorable. We propose to consider the features of obtaining a loan in this particular structure. To apply for a loan you need:

• Contact the nearest Sberbank branch for a list of required documents and return on time with the prepared papers.
• Opt for the “Business Start” program - it provides the most acceptable conditions for starting your own business.
• Register with the State Tax Inspectorate as an individual entrepreneur and record the fact of registration in the Unified State Register of Individual Entrepreneurs.
• Will study the proposals of Sberbank's franchisor partners.
• Choose the optimal franchise.
• Develop a competent business plan, which actually means for an individual entrepreneur to solve such organizational issues as finding and renting premises, developing a campaign to promote a product, etc.
• Apply for a loan.
• Prepare 30% of the requested amount for the down payment.

Loan to start a business from scratch without collateral

Today, in the market of financial products of the Russian Federation, the segment of loans for businesses from scratch without collateral is in a stage of stagnation, which is explained by the crisis in the economy. Commercial banks are extremely reluctant to enter into risky transactions, so even if collateral is not required, this is compensated by additional guarantees in the form of increased rates and expanded packages of documentation provided.

Loans are practically not issued to beginning businessmen who do not want to comply with the rules of the game established by the bank. As a result, many aspiring entrepreneurs are looking for alternative sources of financing. Servicing such products is much more expensive, the profitability of the business is sharply reduced, its development is hampered, which is why the growth rate of the economy in the country as a whole stops.

Small business loan without collateral

The phrase “business loan without collateral” often refers to so-called microloans, which are offered by various alternative lending organizations. The cost of such a loan ranges from 1 to 3% daily (!). In terms of a period of 12 months, the amount of interest ranges from 360 to 1000%, but there is also the body of the loan! Microloans are considered extremely unprofitable and dangerous for business. Taking on the risk of lending on such an expensive scheme only makes sense if you plan to use the funds and pay them back within a short period of time.

Today, entrepreneurs are given a great opportunity to take out a loan to develop a small business without having their own property or any other collateral. In private cases, funds for assistance to entrepreneurship can declare themselves as guarantors. In order not to waste hours searching for financial institutions that can provide loans without guarantors for small businesses, you can use the services of our website, which presents financial institutions that are guaranteed to provide preferential loans small businesses. Our website presents banking services that are offered by financial institutions in Moscow and other cities. The list of our offers allows you to see:

• what amount can be loaned;
• interest rate;
• documents required to obtain a loan;
• the age at which borrowers can receive a loan;
• time for consideration by the financial institution of the application.

Using our website, you can see current unsecured long-term programs of financial institutions that allow you to get a profitable loan for business development. Our website also lists institutions that offer preferential rates for small organizations.

What do we mean by favorable lending conditions?

Thanks to our portal, entrepreneurs can count on little support from the bank. They may be offered special conditions. Namely:

• unsecured loan “Trust”;
• programs that do not require guarantors;
• the possibility of extending the period for repayment of the principal debt;
• the opportunity not to pay the entrance fee;
• the possibility of obtaining a loan under the terms of floating interest rates.

What are the criteria for issuing quick subsidies for business expansion?

Before applying for a profitable loan, the borrower will need to select a bank, indicate the loan amount, indicate the period for using the loan money and the conditions for receiving the money (secured, without collateral, leasing, without a guarantor).

What is a loan calculator and why is it needed?

On our website, borrowers are given the opportunity to calculate the available monthly payment amount, specifying which credit schedule the loan will be repaid according to. The loan is calculated on the “Loan Calculator” page according to its desired size. For this purpose, the borrower will need to indicate the loan amount, interest rate, loan term, type of payment (annuity, differentiated), one-time commission and month of start of payments. Thanks to the calculator, the borrower will be able to figure out what loan price he can afford.

How to get a loan online?

An application for the issuance of money for an enterprise can be submitted to a financial institution through our website. There is a blue button next to each bank. By clicking on it, the entrepreneur will find out what advantageous offers are available when receiving a loan for the development of a small business. After submitting the online application, a credit consultant will call the applicant within 2 hours and give detailed advice on obtaining a loan. He will also explain the conditions for obtaining profitable loans. Are you interested in a preferential program with government support? Are you considering getting a cash loan? Our site is happy to help solve your financial difficulties.

Starting your own business requires initial capital. There will be costs associated with renting or purchasing premises, purchasing equipment, raw materials, and employee salaries. But not all aspiring entrepreneurs have the required amount. In such cases, unsecured loans for small businesses are issued. Details about their design are presented in the article.

Advantages and disadvantages

Any service has pros and cons. Unsecured loans for small businesses are no exception. The main advantage of the service is the lack of security. But this is fraught with some nuances. After all, no bank wants to allow the loss of its funds. Therefore, such loans are issued for a short period. In addition, the amount will be much less.

Unsecured small business loans have higher rates. The application review period is shorter than that of secured loans. After all, to make a decision, an inspection of the collateral property is not required: you need to perform an analysis procedure, documents, and evaluate the object. If the answer is yes, you can immediately begin registration.

For what purposes is it issued?

To determine goals when issuing a loan, entrepreneurs are guided by special rules. They are established for each product in each bank separately. Loans to small businesses without collateral are issued for various purposes, but always for business and not for personal needs. An entrepreneur can contact the bank if necessary:

• improve the financial condition of the enterprise;
• buy premises;
• realize investment goals;
• increase fixed assets;
• introduce innovative technologies;
• modernize the production line;
• increase in turnover.

A loan can be issued to attract clients, open a new business, or refinance other loans. Funds may be required to improve energy efficiency and productivity. Without necessity, loans are unlikely to be approved.

The nuances of obtaining a loan

In practice, no newbie has a chance of getting a loan from a bank unless collateral is provided. The reason for this is that the enterprise must have a flow of funds through its activities. The bank analyzes movement data to draw conclusions about the stability of the business and its prospects.

Entrepreneurs who:

• have been working for more than 1 year;
• have balance sheet stability;
• successful in transactions with partners.

This is confirmed by documentation. If such conditions are met, a decision is usually made quickly. In this case, failure is minimized.

Conditions

Loans to small businesses without collateral are issued under the following conditions:

• age 23-60 years;
• permanent or temporary registration;
• surety;
• running a business for at least six months.

Before applying for an unsecured loan for a small business, you should familiarize yourself with some of the nuances of its application. The peculiarity is that the borrower will be an organization, a legal entity. There are loans for small businesses without guarantors. But in this case, some other conditions will apply. Compared to individuals, there are not many small business lending programs available.

Sberbank

Small business lending from Sberbank is in demand. A lot of entrepreneurs turn to this institution. The bank's website has a section about small businesses. Several products are offered to customers. The list includes refinancing, lending for the purchase of equipment and machinery, unsecured loans for various purposes. The bank has a lending incentive program.

What are the rules for small business lending at Sberbank? For example, “Business Turnover” is provided with a maximum period of 4 years, the rate is from 11.8%, and the minimum amount is 150 thousand rubles. This loan can be used by individual entrepreneurs and small businesses whose annual income does not exceed 400 million rubles. The website provides a list of required documents. A decision is made after analyzing the financial and economic sphere of the business.

"Alfa Bank"

Preferential loans to small businesses are issued by Alfa-Bank. Entrepreneurs can get a loan without collateral, collecting documents, online. The “Flow” service operates for this purpose. For individual entrepreneurs and small businesses, a “spare wallet” is offered in the form of an overdraft.

The rate is 15-18%. New clients can apply for 500 thousand rubles - 6 million. And if there was previous cooperation, then the amount is 10 million rubles. Opening a limit costs 1% of the amount.

For medium-sized businesses there is express lending. There are offers secured by property rights. At the same time, the conditions for providing loans are individual for all clients.

"Rosselkhozbank"

On the site you can find sections for small and micro businesses, as well as for medium and large ones. Loan applications are accepted online. There is a convenient function for communicating with a specialist using a callback type. Rosselkhozbank takes part in supporting small and medium-sized businesses, so clients are offered various programs on favorable terms.

"VTB-24" and "VTB Bank of Moscow"

Like other organizations, the bank’s website has a business section. There are several programs for small businesses: express, turnover and investment programs. There are also loans for business development, for the purchase of offices, warehouses, retail facilities, and targeted ones.

The maximum disbursement terms for all small business lending programs differ. But usually they are up to 10 years, and the rates are different - 13.5% (Business Mortgage), 11.8 (Investment and Negotiable). Applications are accepted through the website.

"Tinkoff Business"

This bank actively works with small businesses and individual entrepreneurs. Overdraft and standard lending are offered to clients. To receive a loan, you can submit an application on the website. After filling it out, a specialist gets in touch and requests documentation.

To get a business loan, you will need an INN, an extract from the Unified State Register of Legal Entities, a State Register of Legal Entities, a tax return. After receiving the documentation, the bank makes a decision to issue a loan. If the decision is positive, the contract is drawn up.

Lending rules

Lending programs are configured so that credit risks are minimized. Moreover, they concern the borrower and the lender. The risk borne by the client relates to the inability to repay the loan and interest on time, which leads to bankruptcy.

The lender's risks are associated with the terms of the loan. Whether it is long-term or short-term depends on the level of risk. To reduce risks, lenders:

1. They study the borrower, credit history, and perform an analysis of the financial situation.
2. Get acquainted with the collateral (if it is provided), sources of payment.
3. Analyze risks and ways to eliminate them.

Now almost every modern bank has programs for business. Clients should consider the offers of several banks and then choose the most profitable option.