Sberbank online private clients small business entrance. Sberbank Business Online is an Internet client for small businesses or corporate clients. What kind of assistance is provided to a novice entrepreneur within the framework of the project

Array ( => Array ( => 156 => CNY => Chinese Yuan Renminbi => Yuan Renminbi => ,1,2,3,4,5,6,7,8,9,10,11,12,13, 14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38, 39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63, 64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 985 => PLN => Polish Zloty => Zloty => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20 ,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45 ,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70 ,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 208 => DKK => Danish Krone => Danish Krone => ,1 ,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26 ,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51 ,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76 ,77,78,79,83,86,87,89,) => Array ( => 344 => HKD => Hong Kong dollar => Hong Ko ng Dollar => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23 ,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48 ,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73 ,74,75,76,77,78,79,83,86,87,89,) => Array ( => 933 => BYN => Belarusian ruble => Belarusian ruble => ,1,2,3,4 ,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29 ,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54 ,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79 ,83,86,87,89,) => Array ( => 124 => CAD => Canadian Dollar => Canadian Dollar => ,1,2,3,4,5,6,7,8,9,10 ,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35 ,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60 ,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 756 => CHF => Swiss Franc => Swiss Franc => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16 ,17,18 ,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43 ,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68 ,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 203 => CZK => Czech Koruna => Czech Koruna => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24 ,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49 ,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74 ,75,76,77,78,79,83,86,87,89,) => Array ( => 978 => EUR => Euro => Euro => ,1,2,3,4,5,6 ,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31 ,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56 ,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,83,86 ,87,89,) => Array ( => 826 => GBP => British Pound Sterling => Pound Sterling => ,1,2,3,4,5,6,7,8,9,10,11 ,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36 ,37,38,39, 40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64, 65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 392 => JPY = > Japanese yen => Yen => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21 ,22,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46 ,47,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71 ,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 398 => KZT => Kazakh tenge => Tenge => ,1,2, 3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27, 28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52, 53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77, 78,79,83,86,87,89,) => Array ( => 578 => NOK => Norwegian krone => Norwegian Krone => ,1,2,3,4,5,6,7,8, 9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33, 34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58, 59,60,61,62,63,64,65,66,67, 68,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 752 => SEK => Swedish krona=> Swedish Krona => ,1,2,3,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22 ,23,24,25,26,27,28,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47 ,48,49,50,51,52,53,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72 ,73,74,75,76,77,78,79,83,86,87,89,) => Array ( => 702 => SGD => Singapore dollar => Singapore Dollar => ,1,2,3 ,4,5,6,7,8,9,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28 ,29,30,31,32,33,34,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53 ,54,55,56,57,58,59,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78 ,79,83,86,87,89,) => Array ( => 840 => USD => US Dollar => US Dollar => ,1,2,3,4,5,6,7,8,9 ,10,11,12,13,14,15,16,17,18,19,20,21,22,23,24,25,26,27,28,29,30,31,32,33,34 ,35,36,37,38,39,40,41,42,43,44,45,46,47,48,49,50,51,52,53,54,55,56,57,58,59 ,60,61,62,63,64,65,66,67,68,69,70,71,72,73,74,75,76,77,78,79,83,86,87,89,) )

Sberbank for small business

Sberbank of Russia is deservedly considered universal financial institution actively providing a wide variety of banking services and working with a wide variety of potential customer groups. These include not only individuals and major corporate organizations, but also representatives of small businesses, including small companies and individual entrepreneurs. The logical consequence of such a policy of the bank is the most numerous client base, which far exceeds the number of counterparties of other banking structures.

Photo #1. Sberbank logo

What does Sberbank offer to small businesses?

An important advantage of Sberbank of Russia, the presence of which largely determined its leading position in the country's banking sector, is a large number of variety of banking products and services. Naturally, a considerable number of them are designed specifically for small businesses. It is important to note that one of the most popular Sberbank products is the universal Sberbank Business Online system, which is actively used by both large and small companies, as well as individual entrepreneurs.

In addition, the bank provides profitable terms lending, provides settlement and cash services, providing services at the highest level, including through continuous improvement of the level of software and information support. It is obvious that the most important proposals of Sberbank for business deserve more detailed consideration.

Small business loans at Sberbank

One of the main areas of cooperation between Sberbank and small businesses is, quite expectedly, lending. The main advantages of the conditions offered by a financial institution include:

• favorable interest rate, the value of which starts from 11.8%;
• serious duration of loans, which can reach 10 years;
• provision of certain types of loans on attractive terms, and without collateral and security;
• no hidden fees and other payments not included in the interest rate;
• a specially designed refinancing program that allows you to combine several loans issued in other financial institutions into one on much more favorable terms for the entrepreneur.

Photo #2. Participation of Sberbank in programs of state support and lending to small businesses

Opening an account with Sberbank

Settlement and cash services, along with lending, are deservedly considered one of the most traditional and classic banking services. At the same time, cooperation with Sberbank provides businessmen with several important additional bonuses, in addition to the usual opening of a current account and conducting operations on it. Firstly, there are several different tariffs for settlement services, which facilitate the work of newly opened or small businesses.

Secondly, along with the conclusion of a service agreement, regardless of the chosen tariff, a small business representative receives a package of services free of charge, which includes Internet banking, a mobile application, SMS informing and other important services. In addition, for individual entrepreneurs there is also a free opportunity to conduct accounting in a simplified form and a certain limit of monthly transfers with a zero commission.

Thirdly, the service of reserving bank account details is offered by submitting an online application. It is especially in demand by newly created organizations and individual entrepreneurs, as it allows you to start vigorous activity 5 minutes after contacting the bank.

business card

Another original financial instrument developed by Sberbank for small businesses and individual entrepreneurs is the Business Card. It is tied to an open current account, and the number of plastics issued for the client is not limited. Among the important advantages of the Business Card are zero commission for non-cash payments, free service in the first year, as well as the ability to withdraw funds at any terminal or ATM of a financial organization throughout the country. In addition, the Business Card can be used for payments abroad.

Photo #3. Sberbank business card

Sberbank Business Online — Sberbank Online for small businesses

But still, the most popular and demanded service of Sberbank, which is actively used by entrepreneurs and businessmen, is deservedly considered the Sberbank Business Online system. This is a convenient online product that provides remote cooperation with the bank and combines an interface that is comfortable for the client, great amount functionality and high efficiency in the execution of any financial transactions and actions. The entrance to the Sberbank system for small businesses is carried out directly on the bank's website.

Photo #4. Login to Sberbank Business Online

The most important advantages of the system include round-the-clock work without days off, extended business day, which starts at 7:00 and ends at 23:00, and also without days off. In addition, intra-bank payments are processed 20 hours a day, 7 days a week. Obviously, Sberbank Business Online is compatible with all other bank services and has its own mobile application that provides the owner of a smartphone or tablet with almost the full functionality of the system.

Salary project for small businesses from Sberbank

A large number of small companies and individual entrepreneurs took advantage of another popular Sberbank product by launching a joint salary project. The presence of a large number of self-service devices, the simplicity and convenience of issuing the required number of bank cards, a variety of plastics, the integration of the service with the Sberbank Business Online system and the accounting program used by the enterprise - this is not a complete list of the advantages of a payroll project from the largest financial organization in the country. Of course, getting wages using cards is much easier, more convenient and, what is important, more profitable, both for employees and for the employer.

Acquiring

Acquiring services have become widespread in recent years. It represents the possibility of receiving payment for the goods sold by means of a transfer from bank card or an electronic wallet in one of the payment systems. The advantages of cooperation in this area with Sberbank are obvious and are as follows:

• simplicity and efficiency of the acquiring connection procedure, which is carried out in 1 business day in any region of the country;
• service work technical support in 24/7 mode;
• credited funds paid for a product or service, maximum, on the next day after the transfer;
• accepting cards of all the most popular systems, including MIR, MasterCard, VISA, UnionPay.

A significant advantage of cooperation with Sberbank is free marketing and information support from a financial institution in the field of promoting modern forms of customer service, including, of course, acquiring.

Photo #5. Acquiring services from Sberbank

Sberbank insurance

Into the structure of the largest financial holding includes the company Sberbank Insurance. Naturally, the bank provides a full range of various insurance services to all potential customers, including small businesses. Among the most popular types are insurance for motor vehicles, life and health of employees, real estate issued in Sberbank Business Cards.

In the past few years, a complex insurance product called " Stable business". It includes simultaneous insurance of several risks associated with the implementation entrepreneurial activity carried out on favorable terms.

Non-banking services for small businesses from Sberbank

In parallel with the main activities related to the provision of direct banking services, Sberbank actively promotes a variety of related services, most of which operate as part of remote services for small businesses and individual entrepreneurs in the Sberbank Business Online system (Sberbank Online for individual entrepreneurs). Today, customers are offered several non-banking services at once, and their number is constantly increasing, making cooperation with a financial institution more and more convenient and profitable.

Website for business

The developer of one of the services offered by Sberbank is its partner, 1C-UMI. The capabilities of a modern software product allow the client to create his own website in a few minutes. To do this, you do not need to involve professional IT specialists, it is enough to choose one of the already ready-made templates, fill it in, and then pick up a domain name. Often, such a service is used to create online stores and then accept payments using the acquiring service from Sberbank.

Promotion

An addition to the product described above is the Comprehensive Promotion service. It is a program that allows you to effective promotion website created by the company on the Internet, without involving specialized advertising agencies or other similar businesses. The ultimate goal of such work is, obviously, the search and acquisition of new customers.

bookkeeping

As an additional opportunity for small businesses, Sberbank offers services for maintaining accounting. Moreover, the client independently chooses the terms of cooperation, which are allowed both by providing the company with an online tool for carrying out a full range of accounting work, and by outsourcing it.

Photo #6. Accounting services from Sberbank

The most favorable working conditions are offered to individual entrepreneurs who carry out their activities without employees under a simplified taxation system with a payment of 6% of turnover. For them, the accounting service is provided by Sberbank free of charge. In addition to this, it is possible to produce an individual digital signature and consult specialists on tax and accounting issues.

Billing

Not every entrepreneur or even a small business has its own accountant on staff. Another non-bank service of Sberbank, which allows simple and quick invoicing of counterparties, which does not require accounting education, can seriously facilitate their work. Moreover, the client just needs to enter data about the counterparty, the subject of the invoice, as well as a scan of the seal and signature, after which the service will automatically generate a document that, after verification, will be sent to the e-mail specified by the user.

Cloud MS Office

Sberbank offers customers to purchase the most popular MS Office 365 office software package in Russia, which includes the well-known Word, Excel, PowerPoint and the somewhat less commonly used OneNote and Outlook. It is important to note that there are three package options to choose from, starting with the cheapest called Business Basic and ending with the most expensive business premium. But in any case, the prices offered by Sberbank are lower than those set on the official website of the direct Microsoft developer.

Checking small business counterparties in Sberbank

Among the clients of the country's largest bank, the relatively recently appeared counterparty verification service is very popular. It provides an opportunity to quickly obtain information about any partner, collected from all open sources. In this case, various aggregators are used, including databases of the Federal Tax Service, FAS, Rosstat, EFRSB, etc. The client within a short time receives the following information about a potential partner collected in one window:

• extracts from registers;
• concluded and implemented government contracts;
• the presence of cases in arbitration courts, the bailiff service, the presence of the counterparty in special registers unscrupulous suppliers, debtors to the budget or organizations on which the bankruptcy procedure has been introduced;
• official financial statements submitted to Rosstat.

Analysis of the data provided by the service allows you to quickly draw conclusions about the feasibility of cooperation with such a counterparty.

Photo number 7. Sberbank service for checking counterparties

Guaranteed Settlement Service

The original and convenient new online service of Sberbank, available to both legal entities and individual entrepreneurs, allows the parties to the transaction to receive the necessary final result. It uses enough simple circuit, in which funds are reserved on a specially created buffer account and are received by the supplier only after the customer receives the goods.

Reporting to government agencies

One of the serious problems for a large number of small companies and individual entrepreneurs is the need to submit a large number of reports to various regulatory authorities and authorities. A convenient E-invoicing service allows you to create a system for creating electronic reporting with the subsequent submission of documents online.

Electronic document management

In addition, the above service allows the use of the program's functionality to transfer part of the internal workflow into electronic format. Naturally, all relationships between the client and Sberbank are carried out in the same form.

Online cash desk from Sberbank for small businesses

Sberbank offers several types of online cash registers that can be used for various business lines, from universal models to specialized products for catering establishments. The advantages of acquiring and using online cash desks in business activities are quite obvious. Firstly, they can easily connect to the OFD and register with the Federal Tax Service.

Secondly, the online cash desks offered by the bank are compatible with other Sberbank services, including Sberbank Business Online, acquiring, etc. As a result, the client receives comprehensive service and full information and software support in one place, which, of course, is more convenient and profitable.

Photo #8. Online cash desk from Sberbank

System "My Trade"

This is a comprehensive service that brings together in one place analytics related to various, but interrelated issues of warehousing and selling goods. In fact, the user of the My Trade system effectively replaces the cashier and the storekeeper. The benefits of the service include:

• work in the cloud, which does not increase the load on the company's systems;
• universality that allows using the service for all types of trade, including online stores;
• simplicity and ease of control on the part of the head.

CRM

CRM is a mobile cloud application that can be used on desktop computers as well. It allows you to create a database of customers ranked by various parameters and characteristics. As a result, the entrepreneur will have the information necessary to control sales, analysis and subsequent formation of tasks in the field of implementation. Naturally, the service integrates seamlessly with other products offered by Sberbank, which allows you to create single system work of any enterprise.

Business analytics

This service of Sberbank is a program that allows you to analyze the information received by it, which can automatically come from other software products or be entered manually. As a result, the manager receives a complete, accurate and operational view of the current financial condition enterprises. It is fashionable to include simple and visual functionality among the advantages of the service. financial control, convenient reporting and analysis forms, as well as the possibility of planning cash flows including receipts and payments.

Other services from Sberbank for small businesses

Of course, not all banking and banking products that Sberbank offers to small businesses. For example, various mobile applications for entrepreneurs who facilitate the payment of taxes and fees, as well as other mandatory payments. Moreover, the number of various services is constantly increasing, and anyone can easily find a complete list of them on the official website of the leader of the Russian financial sector at www.sberbank.ru.

Benefits of Sberbank for small businesses

Cooperation with the undisputed leader of the country's financial sector has a number of significant advantages for any client, for example, a huge network of branches, offices, terminals and ATMs located throughout the country. However, some of the advantages of working with Sberbank are most interesting for representatives of small and medium-sized businesses.

Support

Well-established and effective work technical support services, combined with a specially created contact center for business, provides a level of customer service that is almost unattainable for other banking organizations. At the same time, it is important to note that these services are constantly being improved, and the number of ways to seek help, advice or a solution to a problem is steadily increasing. For example, over the past few years, customer requests in Sberbank's official groups on various social networks have gained serious popularity.

Time of making payments

It was already noted above that at the beginning of 2016, Sberbank established for customers who are serviced remotely the duration of the operating day from 7:00 to 23:00, and without days off. However, it is important to note that payments within the bank, and such are the majority of entrepreneurs, are carried out in an even more comfortable mode - 20/7, that is, 20 hours a day from Monday to Sunday inclusive. Today, a few banks offer to corporative clients similar conditions.

Self-collection

The presence of a large number of ATMs and other self-service devices has made it possible to become popular, especially among small and medium-sized trade enterprises, as well as catering establishments, self-collection service. It represents the delivery of proceeds to a current account using an ATM. Considering the large number of round-the-clock service devices, it is much more convenient, faster and more profitable than depositing funds directly at the bank.

Photo #9. Advantages of self-collection from Sberbank

Other benefits

Of course, the above advantages of the advantages of cooperation with Sberbank for representatives of small and medium-sized businesses, as well as entrepreneurs, are not exhausted. Some of the advantages of the work have already been described. But it is worth mentioning separately one of the main ones - Sberbank has been and remains the most stable and sustainable with financial point view of a banking institution in Russia. Against the backdrop of the reorganization of several large banks included in the top 10, which was launched in the second half of 2017, this is the most important advantage of Sberbank, which is appreciated by entrepreneurs different levels.

Tariffs and commissions

Sberbank provides a huge variety of banking, accounting and financial services, so even a simple listing of the established tariffs will take up a lot of space. However, one of the main principles of the bank's work should be noted - when concluding an agreement for any of the main services, for example, cash settlement or obtaining a loan, most of the additional services are offered to the client free of charge. It does offer Sberbank for business is one of the most profitable and attractive on the market.

Sberbank of the Russian Federation, the largest bank in our country, constantly pays attention to small businesses. Especially for this category of clients, the bank not only developed the relevant products (services), but also thought about the infrastructure for small and medium-sized businesses (hereinafter referred to as SMEs) and their development. What support does Sberbank provide to small businesses? Suggested below detailed information about the bank's financial services, information support and special offers for Russian medium and small businesses from Sberbank (online sbrf.ru).

About SB Business Development Centers

CRH offers the following services:

• registration, issuance of loans;
• conclusion of insurance contracts;
• provision of various banking and financial services;
• consultations of employees of Sberbank, its partners;
• trainings and educational seminars for business owners, as well as employees.

The power is the availability of information, and the clients of the Central District Hospital are the first to receive it.

They timely learn all the important news in changing legislation, they receive profitable offers for bank services, flexible tariffs, special promotions are available to them.

Business representatives can use any of the above services for free, at any nearest office of the Central District Hospital of their city. They are suitable for all companies and individual entrepreneurs planning to grow and develop in modern conditions.

Project "Business Environment"

Sberbank of Russia thought not only about the provision of financial services. The financial institution also provides information support to entrepreneurs. It is for this purpose that a special portal "Business Environment" was created - a resource that accumulates all the most interesting, useful materials for entrepreneurship.

Portal "Business environment" offers the following areas:

• distance learning for business owners, entrepreneurs (various training seminars, video lectures, webinars, as well as online tests for those who want to become an entrepreneur, open their own business and write a business plan);
• online services and applications designed to organize and automate business processes, manage banking services, available to business;
• trading floor online, allowing you to execute transactions with Russian and foreign partners in in electronic format;
• an online publication with articles on relevant topics;
• business social network for entrepreneurs.

Providing tender guarantees

Sberbank offers the Business Guarantee service to representatives of small/medium businesses. There is also a similar solution for corporate clients, but with very individual conditions.

"Business Guarantee" is a product for ensuring the execution of contracts concluded with clients.

The Bank guarantees the fulfillment of obligations under concluded agreements and government contracts with its own funds. At the same time, the business entity itself does not withdraw its funds from circulation, it remains only for it to engage in core activities.

The amount of the guarantee provided by the bank without collateral reaches 4,000,000 rubles. With steady financial position organization and the presence of additional support, it can be even more.

Applying for such a product is as easy as getting a loan - the same documents are required to obtain a solution. At the same time, the tender guarantee is issued in just 3 working days.

Sberbank for small businesses - services at special rates

Sberbank of Russia is trying to help small businesses, and such clients can count on certain preferences for the services provided.

For example, on special loyal terms, representatives of small businesses receive various loan products with a repayment period of up to 10 years for the opening and development of an existing company.

IB representatives are provided with a special 50% discount when paying for the E-invoicing service - electronic document management as well as reporting. The subscription fee in this system is halved.

Small businesses are offered a special price for the "League of Business" - complex set services which includes:

• preferential rates for cash settlement services (settlement and cash services) - only 48,000 rubles per year,
• loans with low interest rates (3 million rubles for a period of 3 years at only 17% per annum).

Entrepreneurs can use any banking services at minimal cost.

Offer "Business Start"

Beginning entrepreneurs experience certain difficulties in obtaining money from banks to open their own business - experience is required, first results, good reporting. Thanks to special program"Business Start" entrepreneurs can apply for a loan even before the official registration of an individual entrepreneur or company.

The Business Start loan is provided for opening a company from a zero cycle, according to a standard business plan approved by Sberbank, as well as for acquiring a franchise, launching your own business using a ready-made business model.

Credit "Business Start" is provided on the following terms:

• term - up to 5 years;
• own funds - from 20%;
• loan amount - up to 7 million rubles;
• the rate is 18.5% per annum.

As a security, a pledge of the acquired property, a guarantee of an individual is required.

Such a loan can be obtained by all citizens who wish to open their own business according to the proposed schemes.

The borrower must be a citizen of the Russian Federation, have a permanent residence permit in any of the regions of the country, age 20-60 years.

A citizen must submit a passport to the bank for consideration of the application, as well as a business plan and financial documents company (if any).

To increase the likelihood of approval of the application, it is advisable for newcomers to business to take special training courses from Sberbank.

Other small business lending services from Sberbank

Sberbank also offers other loan products for this category of customers.

For example, SMEs can take advantage of the following loan offers:

• for any purpose without collateral;
• for the acquisition of assets (real estate, equipment, vehicles);
• to replenish working capital;
• to start new projects;
• to refinance existing debt;
• leasing of equipment and machinery;
• bank guarantees.

On the Sberbank of Russia website, small businesses will be able to get complete information about the above and other financial services for legal entities, individual entrepreneurs.

Here you can also get acquainted with the current tariffs, the parameters of the services themselves and the terms of registration.

What is required to start and develop a pharmacy business? to all questions.

Unexpectedly, but really get rich at home.

Mini-hotels (hostels) attract guests with their cheapness, location, availability. How to open a hostel, make money and not burn out:

Overview of the universal system of electronic document exchange E-invoicing

Sberbank offers small businesses to simplify the procedure for document management with counterparties by using the E-invoicing service. Thanks to the use of electronic document management, the speed of circulation of documents is significantly increased, their safety is ensured without additional costs, and the risks of errors and loss of important reports are minimized.

This service provides interaction not only with commercial structures (customers, contractors and suppliers), but also with state authorities. authorities, including the automated transmission of reports to the tax authorities.

295 rubles - this is the monthly subscription fee for the E-invoicing service, which includes sending 1,000 outgoing documents, each additional document is paid at the rate of 2.95 rubles / unit. Small business this system electronic document management fits optimally.

Sberbank for small businesses offers its new products, more on that in the video.

Sberbank strives to become as accessible as possible to small businesses. In this regard, there are special services for electronic document management and online payments for small businesses (sbrf.ru) from Sberbank, preferential terms for providing credit products, various financial services that take into account the specifics of SMEs. To help develop business, Sberbank is even ready to take on the training of company owners and entrepreneurs.

Video: Vice President, Head of Department and Small Business Development of Sberbank of Russia A. Sharov on the results of 2015 and forecasts for 2016-2017.

• Support for changes in legislation within the framework of currency control has been implemented: the document “Transfer of a contract (loan agreement) from another bank” has been supplemented with the appropriate fields.

• Information on the date of acceptance of the document has been added to the printed form of "Information on currency transactions".

• Additional functions have been implemented for convenient and secure transfer of files with user logs to the Bank. Added settings for logging parameters to the Administrator interface.

• In the Administrator's interface, the setting of the CIPF protection class (KS1 or KS2) is implemented. The setting will be available for VPN-Key-TLS devices with firmware versions 500 and higher. About the industrial replication of new versions of the software will be announced later.

• Grouping of types of letters to the Bank has been implemented.

• Added the ability to attach files larger than 2Mb to letters in the Bank.

01.015.02

• Increased the speed of obtaining statuses on Payroll.

• Implemented receiving and displaying Information from the bank for the following types of documents:
  - an order for the mandatory sale of foreign currency
  - order to buy currency
  - an instruction to sell currency.

• Disabled strict control in the BIC field when importing and creating a Payroll.

• Now you can create/restore a backup copy of the Sberbank Business system. This functionality will allow Clients to restore the Database with documents in case of errors during software updates or problems with the computer.

• For E-Invoicing, the ability to export a list of electronic documents to Excel has been implemented.

• For E-Invoicing, the ability to upload scanned copies of documents has been implemented.

• Improved overall system stability.

01.015.01

• In accordance with the requirements of the legislation, the printed form of the Notification of the receipt of funds to a transit currency account has been updated.

01.015.00

• Users connected to the same database can now have parallel communication sessions with the bank.

• The restriction on the import and export of documents during a communication session with the bank has been removed.

• The speed of sending documents to the Bank has been increased due to the implementation of the batch sending function. The function can be enabled through the configuration settings file config.ini

• A role model has been implemented - now you can flexibly configure the Users' rights to access accounts and various documents

• Now it is possible to export notifications about crediting funds to a transit currency account in xml, dbf, txt formats.

• Implemented import of orders to buy and sell currency according to system templates in txt format.

• Implemented additional functions for file security when importing documents. A separate library has been created that makes it possible to encrypt exported data from the Client's accounting systems, with subsequent control when importing documents into the Sberbank Business system.

• The Account Limits Information screen now displays the total for the Other Limits table.

• Additional controls have been implemented when creating, importing and copying the “Foreign Currency Payment Order” document, which will reduce the number of documents rejected by the Bank due to incorrectly filled in details.

• Notifications about unfulfilled session requests have been added to the information window "Processing results" of a communication session

• Implemented protection against communication session failures, increased performance of updating document statuses

• In the document “Payment order in foreign currency”, the symbols entered in the “Name of the beneficiary” field are automatically replaced with upper case

• The Event Log now displays information about the duration of the communication session

• The set of mandatory fields in the "Depositors of Funds" section of the "Deposit Funds via Devices" service has been expanded. The addition of a new Contributor must be confirmed by SMS.

• The possibility of group sending documents of the Payroll, Ruble and Currency PP has been implemented. The user can send the selected document or all documents of the current section in the "To be sent" status.

• The largest bank in the country - Sberbank of Russia does not disregard small business. For this category of clients financial institution not only developed a separate line of products and services, but also took care of the infrastructure and development of SMEs.

  What kind of support can be obtained from Sberbank? We will tell you more about financial services and information support, as well as special offers from SBRF for small businesses.

  Sberbank Business Development Centers

  Business Development Centers (CRH) from Sberbank are an infrastructure for micro and small businesses. Even those businessmen who are not bank clients can become a visitor to such a center.

  The list of services provided by the CRH includes the following:

  Information is power, and the clients of the Business Development Centers are the first to receive this most valuable resource and learn in a timely manner about all the innovations in the legislation, great deals on obtaining bank services, flexible tariffs and special promotions.

  Business representatives can use any of the services offered free of charge and at any convenient office of the Central District Hospital. They are suitable for all entrepreneurs and firms that plan to grow and develop taking into account modern realities.

  Project "Business Environment"

  Sberbank of Russia has taken care not only of providing financial services, it also provides information support to business entities. It is for this purpose that the Business Environment portal was created - a web resource that accumulates materials that are interesting and useful for entrepreneurs.

  The following areas are available on the Business Environment portal:

  • Distance learning for entrepreneurs and business owners (video lectures, seminars and webinars, online tests for beginners who want to write a business plan and start their own business);
  • Online trading platform for processing transactions in electronic form with Russian and foreign partners;
  • Applications and online services for automating and organizing business processes;
  • Management of banking services available to business;
  • Business social network for businessmen;
  • Online publication with articles on relevant topics.

  An important point in successful development a company can become its name. What to pay attention to and we have already figured out.

  It is useful for entrepreneurs to use the acquiring services offered by many banks -.

  What are annuity loan payments?

  Providing tender guarantees

  If you do not know about the cession agreement yet, then you can get a general idea of ​​​​it by clicking on the link.

  To consider the application to the bank, you need to provide a passport and a business plan, as well as financial documents of the company, if it is already operating. It is advisable to first go through special training from Sberbank for newcomers to business in order to increase the chances of approval of the application.

  Other SBRF loan offers for small businesses

  Sberbank also has other loan programs for this category of clients. So, small and medium-sized businesses can take advantage of offers not only for a loan for the start of a project, but also apply for the following loans:

  • Without collateral for any purpose;
  • For replenishment;
  • For the purchase of assets (equipment, vehicles, real estate);
  • To refinance existing debts;
  • To launch new projects;
  • Bank guarantees;
  • Leasing of machinery and equipment.

  On the SBRF website, small businesses have access to all information about these programs and other services of Sberbank of Russia for. There you can also get acquainted with the tariffs, terms of registration and parameters of the services themselves.

  Universal electronic document management system E-invoicing

  To simplify the procedure for exchanging documents with counterparties, Sberbank offers to use the E-invoicing online service. The use of electronic document management increases the speed of circulation of official papers, ensures their safety at no extra cost, and also minimizes the risk of errors and loss of important reports.

  Moreover, this service not only provides interaction with commercial structures: suppliers, customers and other contractors, but also with government bodies, including helping to automate .

  The subscription fee for accessing the online E-invoicing service and sending 1000 outgoing documents is 295 rubles per month, for each additional document you will have to pay 2.95 rubles. For this reason, such an electronic document management system is best suited for small businesses.

  Sberbank strives to be more accessible to small businesses. For this reason, there are special services for electronic payments and document management, preferential terms for credit products, a variety of financial services, taking into account the specifics of small businesses. The bank is even ready to take on the training of entrepreneurs and company owners to help develop their business.

  Video: a representative of Sberbank of Russia talks about current offers for small businesses:

  For small businesses, Sberbank provides a special Sberbank Business Online system. The functionality of the system for small businesses allows you to control your accounts and other banking products opened with Sberbank. Login to the Sberbank Business Online account is carried out using the login and password that you received during registration or a USB token (at your discretion).

  Sberbank small business online: login

  On May 21, 2018, the design and functionality of the account was updated for the Sberbank Business Online system (after logging in you can use new version or revert to a previous version).

  Small business is the most vulnerable type of entrepreneurial activity in Russia. Firstly, small businessmen do not have huge capitals that can hide behind in different situations, secondly, unstable profit, depending on the general welfare of the population, etc. Therefore, entrepreneurs are looking for ways to save money so that they can live on something and develop the company. One of these methods is offered by Sberbank Business, a service designed for simplified workflow and the ability to pay bills remotely without a personal meeting. The problem of signing contracts has long been acute for many small firms, because you constantly have to wander from one end of the city to the other or even go to another city to sign a few pieces of paper. With the offer from Sberbank, these problems can be avoided, thereby saving not only time, but also money.

  Registration and login to Sberbank business online 9443

  I would like to say right away to warn you that in order to register in the system, you need to contact the bank branch in person and fill out an application for the provision of such services there. The process does not require much time and you do not need to pay anything on the spot. In the future, you will be charged a monthly fee depending on the tariff. The Sberbank Business Online system can be used both by Sberbank clients and entrepreneurs who have bank accounts opened in other banks of the Russian Federation.
  After you fill out the application form and sign the contract for the provision of services, the manager will give you an information sheet, which will contain data for entering the Internet system. From now on, further operations can be carried out from a computer or tablet. To enter the system, you need to visit the Sberbank website and go to the section for corporate clients. After that, find the login form in the upper right corner of the browser window and click on the login button. Now you need to enter the data received in the bank in the fields. You will need a phone number for authorization. Which you indicated in the application, it is to him that the confirmation password will come, which you will have to enter.

  Website sbrf ru Sberbank business online

  After authorization, you will be transferred to Personal Area user. Now you have access to all the tools for making transactions in online mode. As you know, any transaction requires a signed contract, in this case, a one-time code from SMS messages will be used, which will come every time you need to conclude a transaction. In fact, this is a very convenient way. If you want to make the cabinet even more secure, then you can use electronic signature provided by Sberbank. Depending on the choice of the key, you will have to pay a different amount from 400 to 5000 rubles. In the latter case, you will receive a modern key with a display and the most reliable protection against all kinds of hacks. In addition to the usual set of tools for maintaining online business, you can count on the support of company managers. You will have access to the service of training in all the subtleties of doing virtual business. Also, on a paid basis, a personal manager from the bank is provided, who will teach not only you, but also your employees how to conduct business using this tool. Using the cabinet, you can also set up the payment of wages to employees of your company on Sberbank plastic cards. The system will automatically calculate tax deductions, send funds to the pension fund and thereby save you from routine accounting activities. Among other things Sberbank Online small business login allows you to significantly reduce the workflow, which means that the calculation of tax returns during the peak period will be much easier.