What you need to know to get a loan?

The fact that small and medium enterprises requires the adoption of effective measures for the development, says a lot. But anyway, a key question still is funding. And the necessary funds for expansion or modernization of business entities and individual entrepreneurs are finding it in financial institutions.
To the question - where to get credit - the answer is usually the same: in the bank. However, each bank sets its criteria for determining: what kind of beast is - "small business"? That is what makes many of entrepreneurs guessing the suitability of its business under the criteria exhibited banking organizations? And then it will get, for example, rapid credit?
Category of "small business" - we here?
Before you decide to take a loan, determine its category! That's how you can paraphrase the famous slogan, and this rush to do. Uniform signs by which a legal entity or individual entrepreneur may be classified into the category of "small business" - does not exist. Every bank that offers various loan products brings its own criteria in determining that the business sector, but less so, identify common trends can still be.

    Annual revenue is in the range - 150-300 million rubles.
    The successful operation of the market for 6-12 months.
    The amount of funding on average - 3-100 million rubles (according to a unsecured loan express the maximum to 600 000).
    Regular revenue profit and revenue.

However, these symptoms are not common, so the financial institutions recommend that before you collect the documents refer to specialists who can help assess the prospects for positive solutions and establish the amount of the credit limit.
Credit product - each a
If the category to determine more or less realistically, that an inexperienced person to understand the variety of loan products will not be easy. Banking organizations are full of various proposals on small business loans: a loan for working capital, quick loans for business development, unsecured loans, micro loans, overdrafts, revolving loans, express loans for small businesses, tehnokredit and more.
Understand yourself in this variety is not easy, so the choice of "their" product requires not only knowledge of some financial matters, and legal literacy. In this case, entrepreneurs are the allies of professionals who not only explain the peculiarities of bank proposals, but also offer the most competitive products with lower interest rates and easy repayment terms.
Before collecting the required documents and contact the financial institution, analysts recommend meeting with a credit expert. Often, the amount that banks can offer loan does not meet the expectations of entrepreneurs. In this case, exit from this situation will be processing applications to several financial institutions, and even when the prior positive response, you should choose banking products for those financial institutions that gave a positive response. This will avoid wasting time on the collection of documents, which are often out of date while waiting for the decision of the banks.


О том, что малый и средний бизнес требует принятия эффективных мер для развития, говорится немало. Но как ни крути, а ключевым вопросом всё же является финансирование. И необходимые средства для расширения или модернизации бизнеса юридические лица и индивидуальные предприниматели находят именно в финансовых учреждениях.
На вопрос – где взять кредит – ответ, как правило, один: в банке. Однако каждый банк устанавливает свои критерии в определении: что за зверь такой – “малый бизнес”? Именно это заставляет многих предпринимателей теряться в догадках, подходит ли его бизнес под критерии, выставляемые банковскими организациями? И позволит ли это впоследствии получить, к примеру, экспресс кредит?
Категория “малый бизнес” – нам сюда?
Прежде чем решиться взять кредит, определите свою категорию! Именно так можно перефразировать знаменитый лозунг, чем и спешим заняться. Единых признаков, по которым юридическое лицо или индивидуальный предприниматель может быть отнесён в категорию “малый бизнес” – не существует. Каждый банк, предоставляющий различные кредитные продукты выдвигает свои собственные критерии в определении этого сектора бизнеса, но, тем менее, выделить общие тенденции всё же можно.

    Годовой объём выручки колеблется в диапазоне – 150-300 млн. рублей.
    Успешная работа на рынке в течение 6-12 месяцев.
    Объём финансирования в среднем – 3-100 млн. рублей (по схеме беззалоговый экспресс кредит максимум до 600 000 рублей).
    Регулярные поступления прибыли и выручки.

Впрочем, эти признаки не являются общепринятыми, поэтому финансовые организации рекомендуют, прежде чем заниматься сбором документов, обратиться к специалистам, которые помогут оценить перспективы положительного решения и установят сумму кредитного лимита.
Кредитный продукт – каждому свой
Если с категорией определиться более-менее реально, то разобраться неподготовленному человеку в разнообразии кредитных продуктов будет нелегко. Банковские организации пестрят различными предложениями о кредитовании малого бизнеса: займ на пополнение оборотных средств, быстрый кредит на развитие бизнеса, беззалоговые ссуды, микрокредиты, овердрафт, револьверная ссуда, экспресс кредит для малого бизнеса, технокредит и прочее.
Разобраться самостоятельно в этом многообразии нелегко, поэтому выбор “своего” продукта требует не только знания некоторых финансовых вопросов, но и юридической грамотности. В этом случае союзниками предпринимателей выступают специалисты, которые не только разъясняют особенности банковских предложений, но и предлагают наиболее выгодные продукты с более низкой процентной ставкой и удобными условиями погашения.
Прежде чем собирать необходимый пакет документов и обращаться в финансовую организацию, аналитики рекомендуют встретиться с кредитным экспертом. Нередко сумма, которую могут предложить банки в займ не соответствует ожиданиям предпринимателей. В таком случае выходом из сложившегося положения будет оформление заявки в несколько финансовых учреждений и уже при получении предварительного положительного ответа, следует выбирать банковские продукты тех финансовых организаций, которые дали положительный ответ. Это позволит избежать ненужной траты времени на сбор документов, которые нередко устаревают в процессе ожидания решения из банков.

Loans for small business - illusion or reality?

Despite the Russian government steps in creating loyal conditions for small business, the situation remains rather ambiguous. On the one hand the creation of fund for lending to small businesses should help to resolve the situation, on the other - all the same impenetrable barrier of the significant difficulties, which results in an acute shortage of loan funds.
A series of targeted programs, which are widely advertised by banks-partners fund is attractive in the context - to take the credit, but in reality it turns out not so rosy. Why take out a loan for small business is not easy, but harder?
Problems with credit
The reasons for the small, and medium-sized businesses are reluctant to credit to financial institutions, known for a long time. Banks show:

    financial "opacity"
    simplified financial statements
    absence of liquid collateral, and more.

There is a paradoxical situation. On the one hand, measures are taken to facilitate the work of small business (discontinued complete accounting records, simplified financial statements, etc.), on the other hand, these measures are nothing more than a hindering element in obtaining the loan. Hence, to obtain unsecured credit express individual entrepreneur is much easier as an individual, rather than resorting to develop targeted programs.
Bids lacking - the demand is lagging behind?
Expert opinion on small business lending was divided into two opposite camps. The first half is inclined to consider this situation as a transitional phase, which completed creating the most loyal of credit conditions for small businesses. The second half are more skeptical, arguing that only 14% of businesses in today's resort to banks, although the demand for borrowed funds have more than 75%.
In this case both the first and second note that a lot of credit offers, and the demand is only satisfied by it only on 15%. What to do in this situation, a business owner? Express to issue credit as an individual or as quick to consider all the credit for business development? Despite the optimistic forecasts, analysts recognize that the individual entrepreneur to get a loan to an individual as a faster and easier than expected to process an application within a week and finally get a negative response.
Allies of small business
But desperate situations do not happen, so entrepreneurs are turning to organizations, professionals who help to get a loan, not just providing information on various products, and choosing the most appropriate bank proposal, subject to the requirements of: duration, method of repayment, interest rate and other indicators. And this is exactly the opportunity that will allow financial institutions to try and small businesses in their quest to find a compromise solution to enable small businesses to grow in full force.

Auto insurance Cheat

 The light turns green. You drive forward. Suddenly your world slams sideways, and an airbag punches you in the face.
Someone ran the red light and broadsided you. Now what?
Don't say anything, and, for heaven's sake, don't sign anything.
And if the other guy's insurance company sends over a claims adjuster the next day? Don't talk to him either.
Insurance claims adjusters are trained to sniff out fraud. Some say they're also trained to mess with your head by:

• Trying to get you to settle immediately (one company sends adjusters to accident scenes to offer checks on the spot).
• Tricking you into compromising your case.
• Coercing you to use a "preferred" repair shop.
• Offering less than fair replacement value if the car is totaled.