Franchise loan: what are the possibilities. Financial assistance from Sberbank and VTB24 - how to get a loan to develop a franchise business

Since recently Russian banks began to master the new kind activity is a franchise. , you can read the link. Many financial institutions are now interested in expanding their network, but they have limited funds. Therefore, they offer novice entrepreneurs to become bankers.

Such partners take part in the expansion of the dealer network, sharing costs, responsibilities and future profits. Additional office of a certain commercial bank- This is a separate structure that will work on behalf of a banking institution and on behalf of it.

Goals and objectives of franchises from banks

The future banker is invited to open a branch of the bank through franchising. This is convenient for him, since the additional office will not pay taxes and does not provide reports to the IFTS.

He will work on behalf of the largest bank by proxy, which is a legal entity. A businessman is invited to be the head of a small financial organization, without incurring high costs and risks.

The main task of a franchise from a bank is the development of this financial institution . The branch manager will use a well-known trademark. If to speak plain language, then this process consists in representing a certain bank and selling banking products on its behalf.

The goals of a franchise from a bank include:

• providing loans to the population in a particular city;
• issuance of bank personal, deposit and salary cards;
• sale of insurance packages;
• leasing schemes and much more.

The banking institution will conduct free training for the partner and his staff, as well as provide financial support.

Bank Franchises in Russia - Overview

Currently, the following Russian banks provide loans for opening branches under the franchising program:

1. Sberbank of Russia. The volume of investments is from 1 million rubles. The lump-sum contribution is 200 thousand rubles. Payback - 2 years. Interest on the provided loan for opening an office - from 16% per annum.
2. VTB 24. Subsidiary credit structure “Leto Bank” and partner project “Let's go”. The volume of investments is 3 million rubles. The franchise fee must be at least 400 thousand rubles. Payback - 1.5 years. Interest on credit - 17%.
3. Alfa Bank. The investment volume is within 1 million rubles. The lump-sum contribution is 250 thousand rubles. The payback of the project is 1.5 years. The partner will have to pay 17 percent per annum for obtaining a loan to purchase a franchise.
4. OTP bank. It is necessary to make an investment of 1 million rubles. The contribution is 300 thousand rubles. The project will pay off within 2 years. The interest rate is 15% on the loan.
5. AltaiEnergoBank. Franchise under the Instant Money brand. To connect to the program of this financial institution, an amount of 1 million rubles will be required. Payback is 1.5 years. The lump-sum contribution is 200 thousand rubles. Interest on credit - 18%.

All these banks understand the nuances of issuing investments for a franchise, so partners will work without any risks. For banking institutions, such activities make it possible to analyze the market in the regions, for example, in the Far East.

Clients who take similar loans to open offices again receive money at reduced rates. There are many more Russian banks that are beginning to explore the franchising market. Some of them are only thinking about attracting partners, while others are already implementing these programs.

The average income of a franchisee is from 450 thousand rubles per month.

Features of the franchise

The main features of the work on the franchise of banks:

1. The franchisor guarantees all the necessary training in the process of developing a branch of a banking institution.
2. A small down payment. If it is necessary to expand activities, then the partner must deposit additional amounts of money into the franchisor's account.
3. Lack of competition, since the concept of each bank is to open no more than one branch in one regional territory.
4. The franchise allows you to develop in several directions. For example, the provision of instant credit loans and car loans.

Calculation of approximate costs for starting a business

In order to open your branch of a banking institution under an affiliate program, you must have initial not less than one million rubles. Of these, about 17% - 20% will have to be paid immediately as a lump-sum contribution. The amount will depend on the requirements of the bank - 150 - 200 thousand rubles.

About 150 thousand rubles will be needed to purchase equipment and 200 thousand rubles to rent an office, wage employees, Internet communications, advertising costs, phone bills, and so on. In total, it turns out that in order to start a business such as a banking franchise you will need about 550 - 600 thousand rubles.

It is important to know that many banks take care of expenses starting from the third month of the existence of a franchise bank branch. Up to this point, you will have to pay all expenses yourself.

The costs of creating such a business are reasonable and every novice businessman will be able to open a bank office in his city under a special affiliate program. Some banks pay expenses already at the start franchisee. Therefore, it is worth clarifying and specifying all the conditions with the partner bank.

Learn more about franchising:

Profitability of opening a lending point about a bank franchise

The market in this area is arranged in such a way that the franchisor starts earning only when he starts working and issuing loans from the lending points opened under the franchise. Thanks to this, the franchisor:

• takes low monthly payments;
• requires a minimum percentage of revenue and profit;
• leaves almost 100% remuneration to his partner, which is received from clients.

The profitability of opening a point for issuing loans under a franchise of banks is:

• • high economic indicators;
  • high rates of sales of banking services, since the brand under which the partnership is formed is always recognizable and is well known to people;
  • great immediate prospects. The popularity of loans is known to all people. Thanks to this service, you can make your dream come true;

• fast payback of credit points;
• entering a large market;
• lack of competition, which means there will be big sales, profits and so on.

Constant support by the franchisor's specialists helps to increase the economic performance of the lending point. This helps to avoid mistakes and use the experience of the partners' network members.

Article Summary

1. Franchising banks is a new activity, but many financial institutions are beginning to master it.
2. This type of business will bring big profits because there are no competitors. After all, according to the rules of franchising, you can open only one branch of the partner's bank.
3. The franchisor helps his partner develop the business: trains, provides financial support, and so on.

Lack of funds is a serious problem for an aspiring entrepreneur who plans to open a franchise business. If the franchisor does not provide loans to business partners, and the entrepreneur himself does not have free money, cannot find an investor and borrow from friends, then there is only one way - to take a loan to open a franchise business from a bank.

Important! Most small businesses do not pay off in the first few years after opening, so banks are reluctant to finance them.

If a loan is nevertheless issued, then subject to strict conditions: the presence of a business plan, the provision of collateral or surety. The hardest thing is getting the funds to open a business: financing a startup is the most risky venture for a bank. Therefore, the requirements for loans to finance small businesses are more stringent than for consumer loans to individuals.

Benefits of buying a franchise on credit:

1. Faster time to market.
2. Purchase of equipment and required amount products requested by the franchisor.
3. No need to skimp on marketing.
4. Preferential financing terms for franchisees if the franchisor has an agreement with the bank.

Difficulties in obtaining a loan to purchase a franchise:

1. It is necessary to provide a detailed business development plan and evidence of the profitability of the enterprise.
2. In many situations, collateral is required - a pledge of movable or real estate, guarantee, guarantee.
3. Reduced loan terms.
4. Increased interest rates, as well as additional insurance that justifies the risks of a financial institution.

How to apply for a loan to start a franchise business

Some franchising programs require financing. In these cases, the franchisor gives business partners detailed recommendations on which financial institution to apply to, how to collect a package of documents. If support is not provided, the entrepreneur will have to go through the following steps on their own:

• Sign an agreement with the franchisor
• Draw up a solid business plan (if not included in the franchise package).
• Choose a bank that will issue funds for starting a franchise business. If there is no instruction from the parent company, you should first study the proposals of financial institutions.
• Submit an application for funding - this can be done both in the department and through the online form on the website.
• Meet with the manager if the application is approved.
• Prepare and provide a package of required documents, including for bail and surety.
• Sign an agreement with the bank.
• Pay the down payment.
• Get borrowed funds and repay them according to the established schedule.

Instructions "How to create a business from scratch":

1. To be born into a wealthy family.

Let's try to figure out what to do if the first paragraph did not grow together, but ideas and desire have a place to be. An analysis of the financial services market made it possible to identify banking programs that give hope and money to novice entrepreneurs.

"Startup 24" from VTB 24

The loan is issued for the purchase of a franchise. The latter allows you to develop a business in your region under an already promoted brand. So, for example, restaurants known to us work fast food: KFC, McDonald's, Burger King and others. Such a business has a significant advantage: the "startup" gets a well-known trademark, to which consumer confidence has been formed. Therefore, the problem of finding customers is virtually non-existent.

Each franchisor (brand owner) has its own requirements that an opening restaurant or store must meet - from area and location to the appearance of employees and pricing policy.

For work under a franchise, both a one-time lump-sum fee and monthly deductions - royalties can be provided; it is also common to have both payments at the same time. VTB24 does not limit borrowers in choosing a franchisor and is ready to allocate up to 10 million rubles. for such a venture. To receive money, it is necessary to provide a business plan and the availability of documents confirming the willingness of the franchisor to cooperate. Need a deposit.

"Start-up" from Center-Invest Bank

Loan available as individuals, and individual entrepreneurs(IP) or organizations registered for no more than 12 months. Funds can be used to purchase goods, purchase equipment, vehicles, real estate for subsequent use in business, participate in auctions. The maximum term depends on the purpose of the loan. The bank is ready to finance settlements with suppliers and participation in auctions for one year, and the loan for the purchase of fixed assets is repayable within three years. The service is provided in the form of a one-time issue or a credit line.

The maximum loan amount is limited to 3 million rubles, the rate is from 13% per annum. Security required. The main advantages of the product include:

• the possibility of deferring the payment of the principal debt;
• the possibility of securing a loan at the expense of entrepreneurship support funds.

Similar funds exist in almost every region of the country. Usually, for a fee, they act as a guarantor and vouch for the borrower during the transaction (if the borrower meets the established requirements).

"Youth Business"

Another program from Center-invest. The loan is provided to enterprises (including individual entrepreneurs) registered and operating in the Rostov region. The maximum amount is 300 thousand rubles, but at an attractive rate of 12% per annum. The product is quite specific, it provides for the following requirements:

• age restrictions for the borrower (management, founders) - from 18 to 35 years;
• mandatory submission of a business plan;
• the presence of a positive decision of the Expert Council of the program "Youth Business of Russia" in the Rostov region.

If the stars align well and the “start-up” corresponds to all positions, at his service:

• free opening of a current account and preferential service in the first year;
• the possibility of deferring the repayment of the principal debt up to 3 months;
• partial or full early repayment without additional fees.

No deposit or guarantee required.

So where do you go?

Sometimes you can find other proposals related to the implementation of individual regional programs. However, the choice, frankly, is not great. Today, banks are quite demanding even in relation to an already operating business. And lending to start-ups in a number of objective reasons entails additional risks, and few financial institutions agree to participate in such "adventure".

At the same time, interesting Additional services credit institutions for start-up entrepreneurs.

Let's make a reservation that in practice, consumer lending is more often used to start a business. There are a lot of offers on the market, and find optimal conditions easier. Such a loan is usually more expensive, but does not require a business plan and confirmation of the intended use. But in fact, such an approach in most cases involves deception. It is unlikely that you will be able to get "requirements", to be honest about his "entrepreneurial" appointment. Therefore, loan applicants hide from lenders the real purpose of obtaining borrowed money.

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Franchise is a relatively new concept in Russian business. Its presence makes it possible for newly created companies not to spend money on their promotion, but to use an already well-known brand, adopting the business processes worked out by it. However, the more famous the brand, the more expensive is the permit to work under its name. A franchise loan enables a novice businessman to increase the chances of a successful start and business.

Why do you need a franchise

The parties between which it is concluded to grant the rights to use a trademark or name are divided into:

• franchisees - entity or an entrepreneur who buys this right;
• franchisor - a party that sells the right to run a certain type of business using his personal experience.

Today, a franchise on credit is a fairly common phenomenon, since it works under the wing of well-known brands. True, using this service, a novice entrepreneur receives the following benefits:

• reduces the risk of bankruptcy initial stage, as the company operates under the guise of a well-known brand with an already established base of regular customers;
• a novice businessman immediately receives proven business processes that have stood the test of time. He does not need, at his own peril and risk, to look for ways to solve certain problems, negotiate with suppliers, establish business ties;
• ongoing training and support;
• opportunity to use modern equipment and latest ideas in business.

How to get a franchise

The ideal option is when a startup has raised enough money on its own to open a business and buy a franchise. However, this is very rare. In most cases, new business owners need to take out a loan to purchase a franchise.

There are several options for the development of events:

• Franchisors who are interested in expanding their network and increasing profits from the use of a trademark or brand are themselves ready to issue a loan for a franchise. One of the popular forms of such cooperation is the opening of a point of sale by the franchisor. He hires the staff, buys the premises, organizes the work for his money. Then the already established business is transferred to the management of an entrepreneur or employee who has proven himself well, subject to a monthly fee, which includes the cost of opening a point and rent for using the brand. Thus, the franchisor covers his costs of opening a store, and over time begins to receive income.
• Cash loan. A novice entrepreneur can take out a franchise loan from a bank or other financial institution. However, this will not be a targeted loan. Programs in such areas on this moment absent from financial institutions.

Loans without checking the intended use of funds are ideal for buying a franchise. They are in every bank.

A cash loan can be obtained both without collateral and with security: a surety or a pledge of property. The latter options provide an opportunity to borrow a larger amount from a financial institution. It is worth considering the fact that banks are reluctant to lend to start-up businessmen. In almost every institution, a prerequisite for lending is at least a year or two of experience. successful activity experience of the potential borrower.

• Business development loan. An entrepreneur who has been operating for a long time and already has a reputation as a good borrower can apply for a bank loan for business development. As a rule, this is an investment loan, the money from which he can direct to the purchase of real estate, equipment, vehicles, and other fixed assets necessary to start new activity. He can spend part of this money on the purchase of a franchise - to contribute.

Unfortunately, Russian banks do not have a target loan for opening a franchise business in the line of lending programs for small and medium-sized businesses.

• Borrow money from relatives and friends. If it is unrealistic to get a loan for a franchise business from a bank or other sources, then you can resort to seeking financial assistance from friends or relatives. In this case, a novice entrepreneur will be able to receive money quickly and at minimal interest; but it is worth remembering that if the business fails, there is a big risk of ruining relations with creditors.

Lending programs from Russian banks

As already mentioned, you cannot take a franchise loan without a down payment or with any other conditions - but you can pick up a loan without checking the intended use. Such loans are issued by Sberbank, VTB24, and other financial institutions.

Savings Bank of Russia

In Sberbank, two loan programs are available to a small business representative, where the money received can be used for any purpose, including for. True, there is one negative point here - a potential borrower must conduct business for at least 24 months. However, if this condition is met, he will be able to receive financing in the amount of up to 5 million rubles for up to 3 years, from 16% per annum.

Bank VTB24

VTB24 offers entrepreneurs and business owners to use the Kommersant program. Under the terms of the product, the interest rate on the loan ranges from 15 to 21.5%. It depends on the availability of collateral and the category of the client.

If the borrower has repeatedly applied for financing from VTB24 and is ready to provide collateral as a guarantee of fulfillment of the obligations assumed, then the rate will be 15 or 16%, otherwise the loan fee will be higher. Maximum term lending - 3 years, the maximum amount of financing - 4 million rubles.

Russian Agricultural Bank

Rosselkhozbank can issue a loan to an entrepreneur without checking his business for a period of 1 year in the amount of up to 500 thousand rubles, without collateral, but with a guarantee. The borrower can use the money received for any needs of his business.

These are just a few of the options available for obtaining a franchise loan. Unfortunately, Russian banks are not yet ready to finance entrepreneurs without successful business experience, since the conditions for doing business in Russia are tough and the probability of going bust is much higher than breaking even.

Getting a loan from a bank - what you need to pay attention to: Video

A franchise loan is a great way to get up and running quickly and make a profit for those entrepreneurs who seek to find their niche, but do not have the ability or desire to promote their own business.

The conclusion of an agreement with the franchisor (franchise owner) on the right to use its brand, advertising, ways of working and well-thought-out technologies for running your own business will allow you to go through all the stages of the development of the company in a short time.

If an individual entrepreneur or LLC cannot find the required amount for using the franchise, he will be advised to apply for a loan from a bank.

Why do you need a loan for a franchise business?

Opening a business according to schemes famous brand This is real profit in a short time. Such a project is often thought out to the smallest detail: from the rules of work to the color scheme of the premises and the uniform of workers.

Thanks to a competent plan, an entrepreneur will be able to quickly launch his business and earn income by deducting a percentage (often not very significant) to the copyright holder.

And the receipt of funds from a financial institution in this case is supported by the interest of three parties at once:

• The franchisor (right holder) will receive additional points under his brand, additional income and popularity;
• The franchisee (entrepreneur) will be able to open own business for a bank loan;
• The banking organization will be sure of receiving payments and interest, as programs from popular brands quickly pay off and bring income to both parties.

Why is it beneficial?

Due to the interest of the lender in reliable borrowers, obtaining a loan to start a franchise business can be easier and faster.

When applying to a bank for a loan to work with projects of a certain brand, an entrepreneur can expect to receive it as quickly as possible, which, in turn, affects:

• Fast start;
• Rapid business expansion;
• Maximum market coverage and attraction of additional audience;
• Possibility to buy everything necessary equipment at once.

Support from the franchisor allows you to:

• Promote a popular brand name or trademark and earn income;
• Refuse to conduct advertising campaigns;
• Take ready-made staff training programs.

Turning for in cash on opening a business, a novice franchisee may find negative aspects of such a model.

Credit institutions issue loans under this program for minimum terms in which it is impossible to recoup the running business. Mandatory conditions issuance of money will be a pledge (in the form of acquired property) and the presence of a guarantor.

In addition, some companies require a clear work plan: not everyone is ready to accept the project as the entrepreneur sees it.

The main cons of starting a franchise

The bank needs to insure its property, including loans to borrowers. Concessional lending in Russian Federation does not exist, and franchising is associated with risks.

Accordingly, the rate can be huge - from 15 to 19% (in Europe, money is issued for similar purposes at 2-8%).

The cost of the actual payment may include other payments that will almost double the original amount of interest.

VTB 24

Bank for those who need a large amount. VTB 24 is ready to issue up to 5,000,000 rubles for up to 10 years at 16.5% per annum.

If the company is ready to provide accurate estimates of its income and expenses, VTB will cut the rate to 13.5%. Well, for those who have already worked on a franchise model, VTB offers a minimum rate of 12.5%.

Opening

It offers a convenient system for choosing a franchisor and the possibility of cooperation for companies that are ready to turn their business into a franchise.

For a young business, a profitable 10% per annum is offered for an amount not exceeding 1,000,000 rubles for up to 7 years.

When choosing a suitable program, the borrower should pay attention not only to favorable interest rates, but also to the proposed cooperation options.

For example, Alfa-Bank is ready to issue franchise loans even to not the most popular enterprises - if the borrower provides a detailed and detailed plan with a well-thought-out program.

For a successful launch of the enterprise, it is recommended to choose only reliable, proven and popular companies that enjoy the well-deserved love of buyers or customers. This will allow you to unwind, pay off the body with interest on the loan and start working in plus.

An important factor influencing success is the experience of the franchisee: not every popular brand is ready to cooperate with newcomers: lack of experience and inept management can lead to serious losses and termination of the cooperation agreement.