An individual entrepreneur often needs additional funding to develop his own business. You can get borrowed funds at any bank that purposefully develops lending to small and medium-sized businesses, but at the same time, the requirements for the borrower, especially when receiving large amounts, will be very high.
It is necessary
- - application form;
- - passport;
- - certificate of individual entrepreneur;
- - extract from USRIP;
- - a photocopy of the declaration;
- - documents confirming the financial well-being of the enterprise;
- - pledge agreement.
Instructions
Step 1
Check out the offers of banks willing to finance the development of small and medium-sized businesses. To do this, you will have to read all the offers in the regional media and familiarize yourself with the offers by visiting the lending institution's website. To date, banks are ready to provide large amounts of loans to individual entrepreneurs: VTB24, Baltinvenstbank, Promsvyazbank, Trust, Uralsib, Otkritie and many others.
Step 2
Banks' requirements for a borrower may differ insignificantly, but the main thing is the confirmed solvency of an individual entrepreneur. A private enterprise must be registered for at least 6 months and bring a stable income to its owner.
Step 3
To get a loan, fill out an application form, present your passport, certificate of an individual entrepreneur, an extract from the unified state register of individual entrepreneurs. You will also need photocopies of all documents certified by a notary.
Step 4
To confirm your income, submit a certified photocopy of the 3-NDFL declaration, a book for accounting for income and expenses, photocopies of financial contracts, and a full transcript of proceeds. The bank may request other documents confirming the financial well-being of your private enterprise.
Step 5
When issuing a large loan amount, solvent guarantors may be required, who have the opportunity to present an official certificate of the unified form 2-NDFL confirming income.
Step 6
If you do not have the opportunity to have two solvent guarantors, to secure financial obligations, you may be offered to mortgage valuable property.
Step 7
The bank considers the application of an individual entrepreneur within 1-4 weeks, checks all information and submitted documents, and then makes a decision on granting a loan or refusal.
