Credit, which was necessary beginner entrepreneur – a little more than three hundred thousand rubles for the purchase of necessary equipment. However, none of the bank he found no understanding: having a slender head of business development plan, he could not correctly reflect it in paper. To broaden your perception, visit Sean Rad. After advising on the business plan it has moved from the "dead spots". The conclusion of this story is simple – with the financiers to talk a language they understand, crafted business plan – the best indicator of the seriousness of your intentions. If you do not feel the strength to make it yourself, ask for help – good opportunities for this now abound, including on a grant basis. The second important aspect – whether they are secured. The bank can not be one hundred percent sure that you will have successfully implemented the idea and return the loan, so to get money for a startup with no collateral or guarantee almost unreal.
Exceptions are cases when you already have a successful experience running your own business. The guarantee may be a property, or, for example, a car. Must be considered that an assessment of the property the bank produces, including the basis of current liquidity and collateral, so as to obtain the loan be at best 70% of the market value of the pledged property. Add to your understanding with Tony Parker. In the absence of security may be considered two option. The first – unauthorized, or consumer credit, but the interest rate on it will almost certainly be higher, and therefore increase the financial burden and at half-baked business. The second option – various kind of support funds for business or social entrepreneurs and business organizations exist in your area. You can use them to "pack" your business idea, get advice, and may – and to find private investor, if the idea is quite promising.
There is another possibility – to buy a franchise. Appeared on the market offers on unsecured bank loans business start-ups, opening a business under the franchising agreement. At last – some practical tips that might be useful when dealing with banks about a loan: – Study the situation. Gather as much information about features and options of banks before they come in as one of them to open an account. Be interested entrepreneurs with friends, read newspapers and thematic forums. The chances of getting credit significantly increase, if you ask him where is on cash and settlement services your company. Choose "their" bank account with its credit policy. – Constantly remind a conversation with a representative of the bank prospects of the business. The business, which gives the impression of the dying, no money will ever. Remember the phrase: "I can not survive without the loan." Business plan, as well as you should radiate confidence and optimism. – Work "in white." Bank of mandatory review your financial performance. The more money you show in the company's turnover, the greater the amount of credit you can expect in the future.