Situations often arise when small business entrepreneurs need to obtain credit for the further development of their business. In turn, it is not at all easy to get money on credit in the field of small business, because most banks consider it a rather risky business. However, if you are guided by certain rules, then obtaining a loan will not cause you any difficulties.
It is necessary
- - passport;
- - license;
- - TIN;
- - pledge
Instructions
Step 1
Determine how much you need to develop your business. To do this, you can use your financial indicators taken from a business plan (if your company is recently operating) or from a financial forecast report. It is in these documents that approximate calculations should be made.
Step 2
Find suitable banks that are able to provide you with the required amount of funds. Check out the banks' offers on their official websites or visit several different banks in person.
Step 3
Get advice from a specialist in your chosen bank. At the same time, the best solution would be if you write an application for a loan not to one bank, but to several at once. As a rule, some of them may not immediately suit you for some parameters and conditions after consultation. In turn, you can safely submit all the necessary documents to other banks.
Step 4
Collect and submit the necessary documents to the bank. Basically, to obtain a loan for the development of a small business, you must provide the following documents: - a certificate of the borrower's positive credit history (this document is optional, since almost all banks will independently check your credit history); - a document for collateralized property (in In this case, we mean documents confirming your rights to own an apartment or a car); - passport, TIN; - proof of entrepreneurial activity (license, registration certificate).
Step 5
Ask someone you know or relatives to be your guarantor. Please note that this can significantly increase your chances of obtaining a loan. At the same time, keep in mind that this person must be reliable and stable working.
