What to do to take an unsecured loan to a legal entity, and is it possible, in principle, in 2016?
It is necessary
- - the presence of an operating business;
- - stable financial position of the organization.
Instructions
Step 1
Unsecured loans, as a rule, are provided to enterprises with annual revenues of up to 100 million rubles. The provision of a loan is mainly carried out by calculating a scoring model in a bank. Those. the decision to issue a loan will not be made by some trained person, but by a program in which various algorithms are recorded, according to which the final decision is made.
Step 2
A package of documents for submission to the bank:
- Accountability of your organization. Depending on the form of taxation that you use.
- Availability of various permits, business licenses, etc.
- Completed documents according to bank forms.
- Documents confirming your economic activity.
- Additional documents, depending on the specific bank.
Step 3
Summing up, we can conclude that a bank makes a decision on granting a loan based on a small package of documents.
Separately, I note that a decision is made quite quickly with such an approach.
However, the risk of receiving a negative decision is also great, since the algorithms programmed in the scoring are designed for the average entrepreneur without taking into account the specifics of each separately.
Since the risk of getting a refusal is great with a minimum package of documents, we can conclude that you, as an entrepreneur, can quite easily apply to any number of banks for a loan.
