Sber small business. Sberbank business online login. Electronic document management in Sberbank Business Online

Sberbank Business Online is an Internet banking service for businesses that allows you to carry out standard transactions remotely. The interface of the program is quite simple, so it does not require serious study. It is worth learning more about logging into the Sberbank Online system for small businesses.

What you need to know about the personal account for business representatives

The developer of the remote service system for individual entrepreneurs and legal entities is foreign company BBS, which won the tender in 2009. Distinctive feature system is the ability to process more than 1 million documents per hour.

Sberbank Online for small business is logged in with a token or via SMS notifications. The first option is paid. The token is an alternative digital signature business entity and resembles a regular flash drive. It can be obtained from a bank office serving corporate clients. It has a high level of personal data protection.

SMS notifications are a free option for confirming authorization in your personal account and all transactions in the system. When opening a current account in the application for accession to banking services, the client indicates the number mobile phone, to which a one-time password is sent during the day. When you first log in, the system will ask you to change it to a permanent one (the password is valid for 45 days, then it must be changed for security reasons).

Login via SMS

To enter the personal account of Sberbank Online for small business, the user must perform the following steps:

• go to the official website of Sberbank;
• select the section "Small business";
• make a transition to Sberbank Business Online (the link to Internet banking is located in the upper right corner);
• enter identification information;
• confirm identification with a one-time code.

The client comes up with a login on his own at the time of connecting the remote service. This information is displayed in the information sheet.

Login with token

For identification in the personal account, the user must adhere to the following algorithm:

• insert the token into the USB connector;
• start automatically START.EXE (the application is located on a removable disk);
• enter the PIN and access code (the information is displayed on the envelopes that are provided to the client along with the token);
• activate the "Sberbank Business Online" tab.

The main reason why it is impossible to start the "Internet Client" service through a token is an unupdated driver. It is updated through the device manager. If this action did not lead to authorization in the system, then you need to download a new driver from the Microsoft website.

The Internet client is a convenient online service for small businesses that allows you to process and receive electronic documents 7 days a week. We recommend that you log in to the system through the official website of the bank in order to avoid phishing of personal data by intruders. When using the token, you should also pay attention to the anti-virus protection of the software.

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Sberbank Business Online is a unique remote service system for businesses. Registering an entrepreneur in the system will allow each client to carry out a number of actions using any convenient Internet browser.

Sberbank Business Online is a unique remote service system for businesses. Registering an entrepreneur in the system will allow each client to carry out a number of actions using any convenient Internet browser. For example, work on the preparation and subsequent sending of payment documents through Internet banking, research data on the movement of accounts Money legal entity, receive online qualified advice from Sberbank of Russia specialists when using an internal messenger, use other banking products order banking services.

Sberbank Business Online: Internet client

In order to become an Internet client of the Sberbank Business Online service, you need to contact any branch of Sberbank (send a representative of your company/firm/organization) in order to conclude an agreement. You can work with the system in a special bank interface. No additional software not required to operate the service. In order to ensure maximum comfort for customers, Sberbank also offers special mobile applications Sberbank Business Online operating on Android, Apple, Windows Phone platforms.

Sberbank Business Online: for small businesses

The Sberbank Business Online system was developed directly to help small businesses. It allows you to significantly facilitate the interaction with the bank. Sberbank Business Online is characterized by a convenient, intuitive interface. With it, you can track the progress of processing your bank documentation, create individual directories bank details, to automate the work with standard documents. In order to put stamps on printed documents, you no longer have to go to the office - the stamp is already present on the printed forms.

Sberbank Business Online: corporate clients

The Sberbank Business Online service for corporate clients provides the ability to fully automate a large segment of business management processes. The system allows to corporative clients at a convenient time for them, using the Internet, exchange the necessary documentation with the bank. In order to operate Sberbank Business Online, it is enough to simply become a client of Sberbank of Russia. The system offers to work in its field as individual entrepreneurs as well as legal entities.

Sberbank Business Online: entrance

In order to get into the system, you need to follow the link https://sbi.sberbank.ru:9443/ic. Unfortunately, the system sometimes crashes. If at a particular moment the page did not open, just refresh it after a while.

You can connect to the system at the bank. There you will also be given an information sheet, which will indicate the login to enter. You will receive the password for your account by phone. After logging in for the first time, you will be able to change your password to one that is convenient for you. Changing the password will have to be confirmed with a code that will also be sent to your phone.

Sberbank Business Online: personal account

Deal with work personal account you can do it yourself: the account interface is quite simple. The main menu for working with the bank will be located on the left side. There are several sections here: “Bank Services”, “Your Documents”, “Reference Books”, “Remote Documents” and “ Additional Information". If you have any questions while working with the service, you can always view the instructions for Sberbank Business Online or use the video presented on this page.

Sberbank client Business Online

Sberbank is in TOP-3 credit organizations RF actively supporting small and medium business. A variety of programs, the ability to obtain borrowed funds for a minimum package of documents, affordable rates are conducive to long-term cooperation.

Terms of lending in Sberbank

Lending to small businesses and individual entrepreneurs is a priority for the largest bank in the country. Absolutely transparent conditions and a flexible pricing system attract potential borrowers. However, the lender is not ready to cooperate with every applicant, since Special attention pays attention to the quality of the loan portfolio.

A potential borrower must meet the minimum requirements, namely:

• the founders have Russian citizenship;
• no losses for the reporting period (quarter, year);
• lack of existing enforcement proceedings, claims of tax authorities;
• term of conducting activities - at least 12 months from the date of registration (for certain products, the period may be reduced to 6 months).

All credit products can be divided into 2 large groups: factory and conveyor. (Table 1). The factory is a direction for financing LLCs and individual entrepreneurs with an annual revenue of up to 60 million rubles. It is characterized by a minimum package of documents and fast terms for consideration of the application. The conveyor is a technology for providing borrowed funds to clients with revenues from 60 to 400 million rubles per year. In this direction, a lower interest rate is provided.

The full line of products for individual entrepreneurs, micro- and small businesses can be found on the official website of Sberbank.

Table 1. - Main credit line

Product name	Minimum amount, thousand rubles	Maximum amount, thousand rubles	Annual percentage, %	Purpose of lending	Additional terms
Credit Factory program
"Confidence"	100	3000 (for clients with no credit history - 1000)	17 – 18,5	Any	A guarantee is required (for an individual entrepreneur - a close relative, for an LLC - a close relative of the business owner)
Express overdraft	100	3000	15,5	Covering cash gaps	The product is available only to borrowers whose annual income does not exceed 60 million rubles.
Express bail	300	5000	16 — 19	Any	Provision of liquid real estate or equipment as collateral
Loan Conveyor
Business turnover	150	3000 (more than 3 million are provided with borrowed funds to repay financial liabilities to other banks)	13,8 – 16,5	Replenishment of working capital	Need a guarantee from the owner of the business or individual(for sole proprietors) or pledge of immovable property
Business overdraft	200	17000	12,73	Elimination of cash gaps	A fee of 1.2% of the borrowed amount is charged for opening a limit, a minimum of 8.5 thousand rubles, a maximum of 60 thousand rubles
Business investment	150		11,8 – 15,5	Business expansion, acquisition of property, construction, financing of a new direction	It is possible to refinance loans from third-party banks and leasing companies, a deferment is provided for the payment of the principal debt
Business real estate	150	limited only financial possibilities borrower	11,8 – 15,5	Acquisition of commercial real estate	Possibility of registration on the security of the acquired property
Business Trust	100	5000	15,5 – 17,5	Any	Guarantee of an individual
Business project	2500	200000	11,8 – 14,5	Expansion of business, modernization of production, entry into a new direction	Guarantee of a private or legal person; granting a deferment on the principal debt until the launch of the project

Good to know! In 2017, Sberbank launched individual pricing conditions that allow borrowers to obtain borrowed money on non-market terms. The program is valid when applying for a loan in the amount of 5 million rubles. When deciding on setting an interest rate, the depth of the relationship with the bank is taken into account (the number of products available: business cards, insurance programs, salary project, merchant acquiring, etc.). It became obvious that lending to small businesses in Russia is gaining momentum, and Sberbank is still the leader in this financial sector.

Best Small Business Loan Bank!

The increase in lending by Sberbank to small businesses in the first six months of 2017 amounted to 6%. The head of Sberbank, German Gref, at a meeting with Russian President Vladimir Putin, confirmed "2017 will be better for banks than the previous one, and Sberbank's share in it will be from 40 to 50%."

Small business loan - lending goals

A corporate loan at Sberbank can be provided for various purposes:

• covering cash gaps;
• modernization of production;
• replenishment of current assets;
• acquisition of commercial real estate;
• purchase of transport and special equipment and others.

The bank is wary of start-ups, so it will not be possible to take a business loan for the development of an enterprise. However, the lender fairly loyally finances the opening of new directions by existing profitable enterprises.

In general, Sberbank's small business lending programs in 2017 can be divided into 2 groups: targeted and non-targeted. The former are intended to purchase a specific product or finance a specific area. The borrower must report to the lender on the expediency of spending the money received within the time limits established by the agreement. Purposeless loans can be spent at the discretion of the client.

Lending modes

When lending to small and medium-sized businesses in Russia, Sberbank implements various options for providing borrowed funds, which allows each client, depending on the specifics economic activity to find the best option.

Sberbank offers the following lending options for small businesses:

1. Credit. Provides for the transfer of the entire loan amount to the current account of an individual entrepreneur or LLC. In this case, interest is charged on the entire loan debt, regardless of whether the client used the borrowed funds or not.
2. Credit line (ON, LCL, framework). ON has an availability period after which money is not provided. After the selection is redeemed, the limit is renewed. With LCL, interest is accrued on the balance of the loan debt, and the unused limit is subject to a fee. Under the framework option, borrowed funds are provided under separately concluded agreements within the established limit.
3. Overdraft. This is account financing. Ideal for trade enterprises. Upon receipt of revenue or other transfers to the current account, the overdraft is automatically debited, which allows you to save on interest.

Stages of small business lending

Applicants can apply for a loan directly from the Small Business Sales sector or through the SBBOL system. If during a call client base operators will identify the need for borrowed funds, then they will transfer the information to the lending division of the bank and the manager to whom the client is assigned.

The process of obtaining borrowed money includes the following steps:

1. Consultation. Selection of a loan product, provision of information on the conditions for obtaining a loan.
2. Collection of documents. According to the Credit Factory technology, a minimum package of documents is required (registration documents, financial statements for the reporting period with a receipt of acceptance of its IFTS, SRO (if necessary), license (for licensed activities), passport of the decision maker). The "Conveyor" technology provides an extended the financial analysis activities of the applicant, so the list of documents is expanding.
3. Analysis of the information provided, structuring the transaction. Analysts, together with representatives of the security, collateral service, check the legal purity of the transaction and calculate the borrower's rating. For "factory" products, a complete analysis is carried out by a client manager.
4. Providing information on the transaction to the underwriting service. Specialists evaluate the riskiness of the transaction, the solvency and reliability of the borrower. Based on the information received, a decision on the application is provided.
5. The conclusion of the contract. The loan agreement is signed at the bank office. If the transaction amount is more than 5 million rubles, a security service specialist must be present during the execution of contractual relations.

Good to know! In some cases, the approval of the transaction is carried out through the credit committee. It consists of a client manager, to whom the applicant is assigned, the head of the business sales department, an analyst and underwriters. A positive decision is made by majority vote.

1. Money transfer. For purposeless products, money is credited to the current account after the application is processed by the back office. For targeted loans, money is provided only by order of a strictly established form.

Increasing lending to small businesses — Video

Connection to the Sberbank Business Online system (SBBOL)

Sberbank is the largest player actively cooperating with small businesses. Its conditions for credit products are recognized as the best in the domestic market (according to banki.ru). The Bank actively supports operating enterprises and individual entrepreneurs, providing them with democratic and loyal conditions. The package of documents for processing loans, in comparison with other players, cannot be called minimal, especially for the Loan Conveyor technology.

Smart credit Sberbank — introduction of new lending technologies

© Photo by German Gref

Sberbank is constantly introducing new principles and approaches to support small and micro businesses in Russia. One of the innovations was the launch of a smart business lending program. So what is Smart Loan? Within the framework of this program, a client who has a movement of funds on a bank account can be pre-approved for a loan. The amount, rate and terms of the loan are calculated based on analysis of current account turnover. The advantage of this service is that the application process and the loading of funds can be implemented in almost one day. The program has already been used by many companies, which highly appreciated its quality.

Some indicators of the bank as of September 1, 2017!

Net assets of Sberbank - 23.337 billion rubles (the leader in Russia), the amount of capital (according to the requirements of the Central Bank of the Russian Federation) - 3.473 billion, the loan portfolio - 15.554. billion, liabilities to the population - 11.429 billion.

The previous article described in detail the advantages of the Sberbank system, as well as the features of registration for an individual. One could see that there is nothing complicated in this, it is only required to perform a certain sequence of simple actions. Now we will consider how to register and log in to the Sberbank online system for small businesses.

Advantages of the Sberbank Business Online system

Corporate clients of the largest Russian bank can also use a convenient service, for this you need to produce a small business. Users will be able to see the automation of management processes, establish an exchange various documents With financial institution. However, in order to gain access to this system, they must already gain an excellent reputation as reliable customers.

Small businesses can register and log in to the Sberbank online system not only large companies and entrepreneurs, but also owners small business. Thanks to it, companies and organizations will gain control over their own accounts, income and expenditure, and they will also have the opportunity to connect or refuse additional services. In this case, you don’t even have to go or call the bank, everything can be done over the network.

The modern Sberbank online system for small businesses will be useful even for those who do not consider themselves an expert in the field of finance. With its help, a person can manage their own cash flows. By logging into the Sberbank online system for a small business, you can perform the following actions:

receive and process documents over the network;

receive accurate data on account balances on a specific date;

view balances and accounts;

transmit electronic documents by attaching the required files;

communicate with contractors or clients within the system.

It is noteworthy that even those business representatives who do not have a current account with this bank can use it. To log into the Sberbank online system, small businesses also need a login and password. To receive them, you must first register. Also, you can not do without visiting a bank branch, where an entrepreneur or company representative will sign an agreement. It will outline the main conditions for the provision of services.

Remember, login and password data must be kept in the strictest confidence. You should not store them in a text file, and even more so inform the so-called "bank employees". Under their guise, scammers can hide who seek to enrich themselves at the expense of others.

By spending time with a small business, you will get ample opportunities in using Internet banking. In the future, all efforts will fully pay off, because payments can be made quickly and with minimal cost. In addition, there will be a great opportunity to control your expenses.

It is no secret that the business banking market is quite saturated. When an organization is faced with a plethora of offers, usually when choosing a bank, a specific need plays a key role. Someone listens to the positive recommendations of acquaintances or mentors in their own industry, someone carefully monitors the market and chooses the most cost-effective profitable solution for myself.

Choosing reliability

According to statistics, if a potential client does not conduct an analysis, he will choose the most popular bank in our country, Sberbank, by 80%. The fact of state participation in Sberbank allows its clients to feel calm, after all, not all banks can boast of such reliability, especially since the general awareness and concern of the population is now at a high level.

What is included in the banking service package?

A convenient form of service is the so-called service package, which includes various banking products:

• Opening and maintenance of settlement and cash services
• Using Internet banking (Sberbank Business Online)
• Corporate card service
• Making electronic payments
• Cash acceptance
• Providing account reports
• Electronic copy of the statement

Which offer is better?

Sberbank currently offers several package offers:

• "Minimal+"
• "Basis+"
• "Active+"
• "Optima+"
• "Salary"
• "Trade Plus"
• "Easy start"

"Minimal +"

This package of services has such a name for a reason and includes maintaining 1 current account, making 5 electronic payments per month, accepting cash up to 30,000 rubles. Such a package will be of interest to those who, due to any circumstances, are forced to open a current account. For example, some important counterparty pays only by bank transfer, or the businessman's clients began to often ask for payment by cards, and as a result, he decided to establish acquiring.

"Basis+"

Unlike the “Minimum” package, the amount of cash acceptance is 100,000 rubles, and the number of payments is 20. This complex is suitable for those who need to be able to deposit cash and not overpay the bank for it.

"Active+" and "Trading Plus"

These packages differ from "Basis" only in the number of payments per month, in "Active +" - 50, in " Trading plus» - 10. The client estimates the approximate number of payments for himself and chooses a tariff.

"Optima+"

Optima does not have a cash acceptance service, while the number of electronic payments is 100 per month. Accordingly, if an entrepreneur does not need to deposit cash, and the number of payments floats, then this is an ideal choice.

"Easy start"

The tariff plan includes a number of free products: opening an account, using Sberbank Business Online, electronic payments to accounts opened with Sberbank, the first year of servicing a corporate card. This complex should be carefully looked at by those who are just taking their first steps in business and cannot predict their needs for the first time.

"Salary"

This offer differs from other package complexes in that it does not provide for cash acceptance, and instead of this service, it is possible to withdraw cash without commission in the amount of up to 200,000 rubles per month, the number of electronic payments is 30. “Salary” is suitable for businesses whose mutual settlements are made mainly by bank transfer.

How to issue a package offer of Sberbank?

First of all, you need to find the nearest branch to you on the bank's website. Further, by phone it is necessary to make an appointment for a certain time. At the selected time, you must visit the selected branch with the originals of all constituent documents. Processing time will take about a couple of hours.