Sberbank for small businesses in the system. Sberbank help 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 signing in, you can use the new version or revert to the 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 various situations, and secondly, unstable profits that depend on the general well-being 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 the user's personal account. Now you have access to all the tools for making transactions online. 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 your account even more secure, then you can use the 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 doing 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.

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? Below is 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 businesses;
an online trading platform that allows you to execute transactions with Russian and foreign partners in electronic form;
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 customers.

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 a stable financial position of the organization and the availability of additional security, it can be even more.

The warranty is provided for a period of 1 month. - 3 years.

The fee to the bank for obtaining a guarantee is 3% of the total amount of liabilities.

11% per annum - the rate at which the amount of the debt will have to be paid in the event of a guarantee event.

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.

Representatives of the MB 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" - a comprehensive set of services that 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 the special Business Start program, 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 of the company (if there is activity).

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 obtain complete information about the above and other financial services for legal entities and individual entrepreneurs.

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

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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. For small businesses, this electronic document management system is optimal.

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 settlements for small businesses (sbrf.ru) from Sberbank, preferential terms for the provision of loan products, and 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.

There are many products on the market for small businesses. Many of them are too expensive, many of them do not solve problems well enough or do not touch upon points that are important for small businesses. All these possible shortcomings are taken into account and corrected in the innovative Sberbank Online system for small businesses.

Benefits of the Sberbank Online service for small businesses

The ability to reduce costs and simultaneously solve all the tasks facing the business is the main advantage of working in the Sberbank system:

Opening a bank account is absolutely free.
Favorable rates are provided to all users of the system.
Opportunities to save on full-time specialists due to the built-in online assistants of the system.
Special offers for business education.
Favorable offers from the bank's partners on financial and business services and products.
Full security of all company data and ongoing operations.
Flexibility of the system and the ability to adapt to specific business needs.
Easy and fast connection to the system in just 1 visit to the bank.
The ability to work remotely in the system from any device: computer, tablet, phone (if the Internet is available).
A 24/7 support service will help you deal with any issue related to working in the system.
Very user-friendly interface for easy and fast work with the system.

To visually appreciate all the advantages of working with the system, just go to Sberbank Online for small businesses, log in to the system and start your work.

What operations are available through the Sberbank Online website for small businesses?

The main operations that can be performed in the system include the following:

preparation and sending of electronic payment documents;
making payments (from 06:00 to 23:00);
online accounting, which will allow you to quickly calculate taxes and perform other operations without special in-depth knowledge;
control over the balance of funds on the account;
tracking the status of preparation of documents;
search for the necessary documents (including through the filter system);
creating and working with directories of the company's counterparties;
integration with 1C (import-export);
operations with document flow without visiting the bank;
creation of templates for the convenience of working with typical operations.

All operations allow not only to automate important business processes, but also save money on staff and paperwork. And control tools allow you to quickly monitor the state of affairs in the company.

Very often, small companies face problems in their work, and most of the problems are somehow related to a lack of funds. In this case, there is nothing left but to count on obtaining a bank loan, but not all banks take risks and issue funds.

But Sberbank issues loans, and even on quite acceptable terms. Sociological studies show that from year to year Sberbank ranks first among banks in terms of the level of borrower confidence, and this says a lot.

Bank employees often meet their customers halfway and offer preferential lending terms without requiring collateral in return. In addition to loans, Sberbank provides support to small businesses, which is expressed in a bank guarantee, business insurance services, and convenient Internet services for legal entities.

Entrepreneurs and small business owners are of particular interest to the bank, since it is this category of people from potential clients that often turns into long-term partners, eventually switching to using additional banking services offered by Sberbank.

All of these products will be discussed in more detail below.

Especially for small business owners and individual entrepreneurs, Sberbank has developed a whole line of loans that differ in terms and interest rates. Today, Sberbank can offer its customers several types of loans, among which the main ones can be distinguished: loans for any purpose, loans for replenishment of working capital, leasing, as well as loans for the purchase of real estate and vehicles.

Loan for any purpose

The line of loans for any purpose includes three main products, including two loans without collateral (“Trust” and “Business Trust”), as well as a secured loan “Express secured”. Loans without collateral allow you to get a bank loan up to 3 million rubles, for a period of up to 3 and up to 4 years. The credit rate in this case ranges from 14.5 to 19% per annum, depending on the type of loan.

Requirements for borrowers:

Age up to 65 years
No loss
Absence of debts to banks and other credit organizations.
The term of doing business is from 1 year (the exact terms depend on the type of activity)

Loan for replenishment of working capital

The money received under this loan can be used to replenish current assets, as well as for the current expenses of the company.

It also consists of three types of loans: "Business - Turnover", "Express - Overdraft" loan, and "Business - Overdraft". The last two are issued for up to 1 year, and allow you to receive 2 million and 17 million rubles, respectively. As for interest rates, for "Business - Turnover" it is 11.8%, for "Express - Overdraft" - 15.5%, and for "Business - Overdraft" - 12.73% per annum.

Requirements for borrowers:

Age up to 70 years
Annual revenue - up to 400 million rubles
The company must be a resident of the Russian Federation
The term of doing business is at least 3 months (more precise terms depend on the type of activity, for example, for companies operating seasonally - at least 12 months).

Leasing

The leasing agreement covers 4 types of vehicles: commercial vehicles, trucks, special equipment and passenger vehicles. For all types of leasing, except for special equipment, a repayment period of 12 months is given, and for special equipment - from 21 months. The total amount of financing for leasing agreements is up to 24 million rubles.

All Sberbank's leasing programs have been developed with the assistance of leading manufacturers of automotive equipment, and therefore take into account various aspects of the use of vehicles, including wear and tear and the possibility of insurance.

Leasing conditions:

Depending on the type of vehicle, leasing is provided on the following terms:
Advance payment - from 10% to 25% (the highest % is for special equipment)
The term of the leasing agreement is from 1 year to 4 years
3 types of payment schedule
The term for drawing up a leasing agreement is up to 2 working days

Loans for the purchase of real estate and vehicles

Using this loan allows you to get money for the purchase of personal and commercial real estate, vehicles, equipment and components that can be used for business development.

The line of loans consists of 5 types of loans, which differ from each other by the purpose of use, interest rate and term. It:

"Express - mortgage" (real estate)
"Business - Active" (for the purchase of equipment)
"Business - Auto" (transport)
"Business - Real Estate" (commercial real estate)
"Business - Invest" (acquisition of real estate repair or refinancing).

The Express Mortgage loan allows you to get up to 10 million rubles, and all the rest - from 150 thousand. The term of the loan depends on the type of loan program and can be up to 10 years. As for the interest rate, the lowest rate for loans "Business - Real Estate" and "Business - Invest" - from 11.8%, and the highest for the mortgage loan "Express - Mortgage" - from 15.5%.

Loan terms:

Mortgage loan "Express - Ipoteka" is secured, so it requires registration of collateral in the form of acquired property, as well as the presence of a guarantor - physical. faces. The minimum down payment is from 20 to 25% for the purchase of residential property and from 25% to 30% for the purchase of commercial property. All purchased real estate must be insured without fail.
Loans "Business - Active" requires an initial payment of 20% to 45%, depending on the condition of the purchased equipment (new or used) and the type of activity. The term of doing business is from 1 year, the age of the borrower is up to 70 years. Annual revenue should not exceed 400 million rubles.
Credit "Business Auto": it is necessary to make an initial contribution from 10% to 25%, as well as to secure the loan with the acquired property and find a guarantor - physical. or legal face. A guarantee from a corporation for the development of small and medium-sized businesses and entrepreneurship may be required. The age of the borrower is up to 70 years, the term of doing business is from 6 months, the revenue is up to 400 million rubles / year.
For the loan "Business - Real Estate" the down payment is from 20% to 25%. To secure a loan, a pledge of the acquired property, a pledge of property rights under an equity participation agreement, a pledge of existing property, a surety or guarantee of a corporation for the development of small and medium-sized businesses and entrepreneurship is required. The borrower must be no older than 70 years, and the period of doing business - from 6 months (depending on the type of activity).
The Business-Invest loan requires the borrower to be no older than 70 years, while the minimum period of doing business should be from 3 months to 1 year, depending on the type of activity. A loan can be secured by pledging equipment, transport, goods and materials, securities, real estate, etc.

Unfortunately, as can be seen from the above conditions, it is almost impossible to get a completely unsecured loan from Sberbank, but the Trust loan can come to the rescue, which will allow you to get money at the initial stage, when the business project is still planned to be launched.

True, to receive funds, the presence of a guarantor of an individual will be required, but you do not need to mortgage real estate and property. Sberbank is interested in new customers, therefore, whenever possible, it always meets potential borrowers halfway, and sometimes it can make lending conditions even more free.

In order for the bank to approve a loan application, it is necessary that the legal entity (Individual Entrepreneur or Limited Liability Company) has already been issued, since the bank will not accept an application from an individual.

bank guarantee

As you know, a bank guarantee is a way in which the bank confirms the solvency of the client. In other words, if the creditor requires the bank to confirm that the payment will be made on time and under all conditions, the bank issues such confirmation.

Sberbank strives to support its customers in everything, therefore it also issues such a bank guarantee. Sberbank offers two types of bank guarantees - "Business Guarantee" and "Business Guarantee for 1 day". The minimum amount of guarantees is 50 thousand rubles, the maximum is 15 million rubles for the "Business Guarantee for 1 Day" service and unlimited for the "Business Guarantee" service.

Sberbank - online business

Sberbank Business Online is a remote customer service system that allows you to track the movement of funds between counterparties, send and receive payment documents, receive account statements and make online applications for connecting additional banking services.

Thanks to integration with the 1C system, the user can create payments in a matter of minutes and send them to the bank for payment. And with the help of the E-invoicing module, you can also send reports to government agencies (Rosstat, tax authorities, pension fund, Social Insurance Fund, etc.) refusal of applications, etc.

Using the service allows you to almost completely switch to electronic document management, which significantly saves time and resources. Sberbank - online business is an indispensable assistant for entrepreneurs, small and medium-sized businesses, which is available to everyone.

In order to connect to the system, you must fill out an application for concluding an agreement with Sberbank, gain access to your personal account and start using the program. The entrance to the personal account is carried out either through a one-time SMS - a password that comes to the mobile (cloud signature), or using a digital signature (usb - token).

In addition to numerous advantages, the service has one small drawback - the possibility of failures. So, for example, if the server hangs and stops responding, the system stops. At this point, the client cannot send requests and other documents, but can only wait. Fortunately, such failures are very rare and therefore do not cause serious inconvenience. In all other respects, there are no complaints about the Sberbank - online business service.

These were just the main tools used by Sberbank to support small and medium business segments. Thanks to a well-thought-out system of integrated solutions for business, which includes loans, insurance, bank guarantees, refinancing and payroll projects, Sberbank has been and remains one of the few banks that only strengthens its position in the service provision market every year.