Small business and entrepreneurship at any stage of development need additional funding for new projects. Without loans, it is quite difficult to cope with the costs that arise in the course of doing business. However, it is not always possible to obtain borrowed funds, due to the high risk of entrepreneurship. To get a loan for an individual entrepreneur in Sberbank, you need to carefully prepare, analyze the needs for raising additional funds at the moment and in the future, and success in approving the application will largely depend on the package of documents submitted.

In 2018, there is a whole line of loan offers for entrepreneurs and business owners. The correct calculation of loan parameters and the optimal choice of product are the key to future commercial victories.

Overview of the loan program for individual entrepreneurs

There are two options for obtaining a loan at Sberbank for individual entrepreneurs:

• with security (pledge, guarantee);
• without security.

For small businesses, several areas of lending have been developed, depending on the goals and required volumes. The main tools used by entrepreneurs are the programs presented on the official website: “Trust”, “Business-Trust” or “Express bail”. The choice of a business loan depends on the readiness for collateral.

A special loan calculator will help you determine the optimal program and calculate the interest rate.

Getting a loan from Sberbank for an individual entrepreneur is a difficult undertaking, because a financial institution will need to provide proof of the security of the transaction.

The non-targeted lending product "Business Trust" offers the following conditions:

1. The term is not more than 3 years.
2. The rate is not less than 12%.
3. At the request of the client, the bank is ready to provide a 3-month deferral of principal payments, while maintaining interest payments.
4. The amount of the credit line is from 0.5 million rubles. The maximum amount of financing is calculated based on the value of collateral: 60% of the real estate appraisal from the housing stock, 50% of the market price for commercial property, 90% of the amount of promissory notes and certificates of deposit.

The objects of pledge can be:

• commercial real estate or residential property;
• promissory note, certificate of deposit issued by Sberbank;
• industrial real estate (warehouses, buildings).

The procedure for issuing and processing collateral is determined by the leading specialist of the bank, assessing the risks and nature of the collateral.

A demanded product of Sberbank for individual entrepreneurs is the Doverie loan, which allows you to introduce new ideas in order to expand your business and increase production volumes.

Program parameters:

1. As the name of the product implies, a loan for individual entrepreneurs without collateral.
2. The percentage of accrual is 16.5% per annum.
3. The maximum amount of borrowed funds is limited to 3 million rubles.
4. The money is issued with the condition of repayment within a 3-year period.

An excellent opportunity to quickly obtain a loan necessary for business activities is provided within the framework of the "Express on bail" program. In return, the bank will require registration as a pledge of property of an individual entrepreneur - real estate or equipment.

Lending terms:

1. The limit of funds is from 300 thousand rubles. The maximum loan amount is 5 million rubles.
2. Loan repayment - within 36 months. The minimum return period is at least 3 months.
3. The accrued rate is from 15.5% per year. Assigned at the discretion of the creditor, but not more than 17.5%.

Thanks to the Business-Invest product, an entrepreneur gets a chance to acquire or build new real estate objects necessary for conducting business. The purpose of lending can also be repair work.

As part of the program, an individual entrepreneur can refinance existing debts on leasing or a loan from another bank.

The main parameters of the offer:

1. Repayment - within 10 years.
2. Accrued interest - not less than 11%.
3. You can take a loan in the amount of 150 thousand rubles.

Using this product, an individual entrepreneur gets the opportunity to attract a small amount for a long time, with a minimum percentage overpayment.

The terms of the Business Asset program allow you to apply for a loan for an individual entrepreneur in Sberbank in order to purchase the equipment necessary for entrepreneurship.

Characteristics of a business development loan:

1. Term - no more than 7 years.
2. The minimum percentage is 11%.
3. Credit line - more than 150 thousand rubles.

The offer "Business Contract" is designed specifically for individual entrepreneurs who plan to carry out activities related to the provision of various contracts (with the state, for the domestic market or for export).

Main characteristics:

1. Loan repayment - within 3 years.
2. The rate is not less than 11%.
3. Substantial funding can be obtained to enable large contracts to be handled. The limit of funds is 600 million rubles.

Target option "Business Real Estate" will help to acquire property intended for commercial use:

1. Loan repayment - up to 10 years.
2. Percentage - not less than 11%.
3. The minimum loan threshold is from 150 thousand rubles.

The choice of a program must be commensurate with the intended use of funds, because when considering an application for a loan, the bank will proceed from the validity of the application of the individual entrepreneur.

Whatever the loan for individual entrepreneurs is chosen, the conditions, taking into account the high risk of the lender, look attractive and provide a minimum overpayment of interest.

If you are going to take a loan secured, it must be borne in mind that only property registered on an individual entrepreneur, and not an individual, can become an object of security.

As with ordinary physical borrowers, the bank sets its parameters for a successful candidate and acceptable loan terms:

1. The age of the applicant is 23-60 years old, with Russian citizenship and a bank account, registered in the region territorially related to the selected branch.
2. The entrepreneur must have a certain work experience - at least six months. In some cases, the period of compulsory activity has been extended to one and a half years (construction, installation, repair, cleaning services, transportation, wholesale trade).
3. If more than half a million is requested, a guarantor is involved.
4. In case of misappropriation of funds, a report on how the funds were used is not needed.

After receiving the documents and the application, the bank checks the information and assesses the risks within three days, after which it informs about the decision made.

Despite the impossibility of obtaining a large loan without collateral or a guarantor, an entrepreneur always has the opportunity to receive a regular classic loan as an individual up to 1.5 million rubles. The percentage overpayment will be higher, but the registration process will be significantly reduced.

For a financial institution, it is important that the business that requires borrowing is successful and stable. After all, in case of ruin, it will be extremely problematic to return the funds, and the amnesty will lead to bank losses. The position of the individual entrepreneur will help to find out the documents submitted along with the application.

The list of documents for an individual entrepreneur loan looks quite extensive, but upon closer examination it becomes clear that most of the papers are available. Otherwise, the conclusion of the IP loan agreement has an algorithm of actions similar to the issuance of a classic loan to ordinary citizens:

1. Collection of papers according to the list transferred by the employee of the department.
2. Application submission and 3-day waiting for a response.
3. As part of the Express on Pledge program, the bank will appoint an additional expert assessment of the pledged object.
4. Signing a loan agreement together with a collateral agreement.
5. Transfer of funds to a current or special current account after its opening with Sberbank.

The new possibility of sending an application online significantly reduces the time for making a preliminary decision, allowing you to do without visiting the branch.

The most important stage, on which the future result of the consideration of the application depends, is the preparation of a list of supporting documents.

The required documents for obtaining a loan are listed below:

1. Documents proving the identity of the applicant (passport, military ID for men of military age, SNILS, TIN, confirmation of registration at the location of the bank).
2. Certificates of registration with the Federal Tax Service, registration with the USRIP.
3. Documentation accompanying the activity (license, certificate of admission to a certain type of work, documents on rent, employment, papers for the real estate used).
4. Financial statements (you will need a note that it was accepted by the Federal Tax Service, documents on tax deductions).

When attracting a guarantor, they collect personal documents, certificates confirming labor income (2-NDFL) for six months.

In addition to the above papers, the financial structure reserves the right to request additional information, for example, for collateral.

It is difficult to issue and receive a loan from Sberbank for individual entrepreneurs due to the strict parameters put forward. Faced with the impossibility of approval, entrepreneurs often consider an alternative lending option for a classic consumer loan.

Another caveat that must be taken into account when intending to apply for a loan for an individual entrepreneur: a loan obligation can be issued only 1 time, when you re-apply for a new loan, the chances of a positive decision are zero. This nuance makes it especially careful to determine the requested loan amount, increasing it by 10-20% above the estimated costs. The deferred funds will help to overcome difficulties if additional funding is required during the implementation of a new project.

Other factors compelling to apply for a consumer loan are the impossibility of negotiating terms for start-up sole proprietors from scratch, as well as the need to quickly receive funds on a loan in cash without the need for a subsequent report on the expenditure of funds.

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 small businesses. Users will be able to see the automation of management processes, exchange various documents with a financial institution. However, in order to gain access to this system, they must already gain an excellent reputation as reliable customers.

Not only large companies and entrepreneurs, but also small business owners can register and log into the Sberbank system online for small businesses. 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:

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 at minimal cost. In addition, there will be a great opportunity to control your expenses.

A small business loan at Sberbank is becoming more and more popular and in demand. Since the beginning of this year, loan conditions have become even more attractive, and interest rates on loans for small and micro businesses have been reduced.

What does Sberbank offer?

In times of crisis, many companies began to pay more attention to lending, as it is not highly susceptible to fluctuations in the economy. Sberbank has been actively lending to such enterprises for several years now; over the past year, the loan portfolio amounted to over 800 billion rubles.

A special line of programs is designed to meet the needs of individual entrepreneurs and small businesses with revenues of no more than 400 million per year. For legal entities, there are many special offers for opening a current account in just 15 minutes and processing services.

The availability of credit has significantly influenced the increase in the interest of entrepreneurs in the bank and the increase in the client base of the financial institution. Timing is important , during which you are engaged in business, why you need a loan, how you are going to repay it.

Programs for replenishment of working capital

1. The Business Turnover program is issued in the amount of 150 thousand rubles for a period of up to 4 years (the rate is from 11%). allows:

• Buy raw materials, semi-finished products for production
• Carry out current expenses
• Replenish stocks of goods
• Pay off debts to banks, etc.

2. Program "Business Overdraft" for replenishment of working capital (payment of payment documents, claims, instructions). Issued for a period of up to 1 year. Documentary confirmation of the purpose of the loan is already required here, i.e. where the money will go.

You can carry out current expenses, develop a business, receive funds for the implementation of state orders.

• The rate is set individually, its minimum value is 12% per year.
• The amount is not less than 150 thousand rubles, the maximum amount will be 17 million rubles.
• There is no collateral for this product, but the guarantee of the main business owners and legal entities related to the borrower is required.

3. "Express Overdraft" - this offer allows you to receive funds for urgent payments. The amount is within 2 million, the percentage is 14.5% per year, the repayment period is up to 12 months.

General purpose loans

The line of programs for any purpose includes the following offers:

1. "Business Project" - here the goal is to develop an existing business, start activities in a new industry, or modernize existing production. Rate from 11% for amounts from 2.5 million to 600 million rubles. and a maximum return period of up to 120 months,
2. "Express on bail" - you can get from 300 thousand to 5 million rubles inclusive on the security of real estate or equipment. The interest varies from 15.5 to 19% per year, the term of the contract is from 3 to 36 months.
3. "Confidence". Available to individual entrepreneurs, business owners and small businesses with a revenue of no more than 60 million per year and running a business for more than 24 months. Rate - from 15.5%, period - up to 3 years, amount - up to 3 million. When providing security, the rate can be reduced by 1.5-1.7 percentage points.
4. "Business Trust". Available to companies-residents of the Russian Federation with revenue not exceeding 400 million per year. Issued for a period of up to 48 months at a rate of 12%. The maximum amount is 3 million. There are no commissions for early repayment and issuance, a guarantee is required.

Loans for the purchase of vehicles, real estate and equipment go in a separate category. Interest, amount and period of lending will depend on the purpose of lending, leasing is possible.

• "Express mortgage" - allows you to quickly purchase residential and commercial real estate. The rate is from 13.9% per annum, the amount is up to 7 million rubles, it is necessary to repay the debt within a period of up to 120 months,
• "Business Active" - ​​thanks to this offer, you can buy all the necessary equipment that you need to conduct business. They will issue from 150 thousand for a maximum of 7 years, while the percentage will start from 11%,
• "Business Real Estate" - here you can buy only commercial space. Percentage from 11%, issue at least 150,000 rubles, period - 10 years,
• "Business Invest" - give out money in the amount of 150 thousand for the purpose of acquiring property, building, repairing, as well as paying off current debts to other companies. Interest - from 11% per year.

bank guarantee— a new offer, which today is the most effective and popular way to enforce obligations for a major transaction.

• a rate of 2.66% is a fee for providing a guarantee,
• amount - not less than 50,000 rubles,
• term - 3 years,
• minimum package of documents,
• registration in just 1 day,
• without collateral.

There are also programs for starting your own business, for determined start-up entrepreneurs. You can read more about them here. Refinancing of loans for legal entities is carried out at a rate of 11.8% per annum, the maximum repayment period is 120 months.

You can use our advanced calculator with the ability to build a payment schedule and calculate early repayment on this page.

Peculiarities

Please note that almost each of the programs proposed above implies the presence of additional collateral as a guarantor of the fulfillment by the borrower of his obligations. As it can be used.

Sberbank is one of the few financial institutions that serve small businesses remotely. To do this, the bank offers customers a convenient Sberbank Business Online system. Below we will talk about the main characteristics of this product.

How to connect Sberbank Business Online

entrance to sat business online

The security of personal data is guaranteed by the 9443 protocol used in Sberbank Online for Small Business. This principle of operation has a high degree of reliability, it protects the username and password from theft when logging in.

To work, you do not need to install additional software. Minimum requirements: a device with Internet access, MS Internet Explorer or Mozilla FireFox browsers. All functions are performed by the site sbrf.ru. Sberbank Online for small businesses exists for Apple smartphones and tablets, for Android phones. Specialized applications are available for download on GooglePlay and iTunes.

Sberbank Online: personal account for small businesses

You can use the following sections:

1. Lists with various types of documents: letters, payment orders, requests from contractors.
2. Reference books.
3. Remote information.
4. Archive of documents.
5. In the center is the so-called working area of ​​the system. It contains toolbars, sorting, filtering. It also displays a list of documents stored in the selected folder. A little lower is the quick view area.

personal account menu

How to view information on a specific document in your account, for example, a payment order.

money orders

1. In the column on the left, click on the "Payment Orders" folder.
2. In the central part, all payments stored in the program will be displayed in the form of a list. Each line contains the details of a separate document: the number and date of the order, status, payment amount, recipient, purpose of payment, recipient's account, BIC of the recipient's bank.
3. To see a specific payment, click on it in the list. The contents of the document will appear at the bottom of the screen: basic information, information from the bank, signatures, links, attributes, recipients.

payment

Similarly, you will get information about other documents. For example, a request for a cash flow statement.

Statement request

Sberbank Online for small businesses: main features

Sberbank Business Online will help you quickly perform daily routine activities:

1. Find out account balances, generate statements.
2. Receive or send payment documents in rubles and foreign currency.
3. Generate registers of payments for payroll projects.
4. Receive advice from bank employees through the chat system.

Advantages of Sberbank Business Online:

1. Convenient and intuitive program interface.
2. While working with a document, the system displays its status: delivered, signed/rejected. You can control payments at any time.
3. The system has filters and sorting. The search for documents will be easier for you, the system will quickly find the required form in the repository.
4. The site constantly updates information in system directories, for example, a bank directory. It will be entirely up to you to take care of user directories. For example, the bank will not update the directory of counterparties.
5. You can create and save document templates that you use frequently.
6. Sberbank Business Online is integrated with 1C. This will allow you to easily and quickly import / export documents to the 1C system.
7. You do not need to visit the bank branch every time in order to put a stamp. When printing payment orders from the website, Sberbank will display a stamp on them with the artist's mark.

Electronic document management in Sberbank Business Online

The sbbol Sberbank Business Online system provides small businesses with a powerful and modern digital workflow system for use. This is an additional paid service, activate it by filling out the appropriate application in the system. When confirming transactions in e-invoicing, Sberbank uses an SMS code and a "cloud digital signature".

The e-invoicing electronic document management system has the following advantages:

1. You can exchange documents online, certify them with a "cloud digital signature". So you will quickly resolve issues without personal meetings with partners.
2. You can easily find out at what stage the solution of your issue is. To do this, simply check the status of the document in the system.
3. E-invoicing provides a secure and cost-effective documentation repository. All information in it is in electronic format. The system is highly secure. It's cheaper than traditional storage maintenance.
4. Thanks to e-invoicing, interaction with the tax authorities has become easier. The Sberbank system has a section "Reporting to government agencies" for sending updated documents to the Federal Tax Service. You will create reports that fully comply with government requirements.
5. The system allows you to more quickly and easily correct defects, improves the quality of created documents.

The Sberbank Business Online system contains important confidential information, the leakage of which can harm your business and jeopardize your finances. For data security, follow the rules:

1. Do not store your login and password to access information in a file on your computer. It is better to write them down on paper and store them in a safe place, without indicating what it is. This way, attackers will not gain access to the system.
2. If you confirm transactions using an SMS code, check the details of the payment document and the information in the SMS message.
3. Control fields for entering information. When logging in, enter only your username and password. Immediately close the page on which additional fields have appeared: card number, contact phone number, etc. Such a change may be a sign of the activity of scammers. If possible, report the incident to a bank employee.
4. Be sure to regularly check all computer files for viruses, update the operating system in a timely manner. Use anti-spyware and anti-spam software. When it comes to personal data security, protecting your computer from malware is critical.
5. Do not log in from a computer that is shared. This applies to Internet cafes, points with free Wi-Fi, etc. Do not visit resources of dubious reputation and do not download pirated software. Avoid PC remote control systems.

Being the largest financial institution, Sberbank pays serious attention to small business in Russia. Especially for this category of clients, a separate line of banking products was developed, taking into account all the important points of servicing modern entrepreneurs - from opening a current account to business insurance and some other non-core services.

Loan programs

In the process of activity, any modern enterprise sooner or later needs borrowed funds. They may be needed for the purchase of raw materials or equipment, renovation of premises or business expansion. Sberbank of Russia PJSC offers several loan programs for various purposes for small businesses.

Loans for any purpose

Depending on the type of activity, each enterprise has its own tasks and plans, the solution of which does not always have enough own funds. Non-purpose loans with quick processing will help you get out of a difficult situation. All individual entrepreneurs and small businesses with an annual revenue of up to 60 million rubles can use them.

Replenishment of working capital

Loans for replenishment of working capital will help you quickly replenish your current account and fulfill obligations to partners in a timely manner. Loan funds can be used for the following purposes:

• purchase of raw materials and materials for production;
• replenishment of warehouses with commodity stocks;
• covering current expenses;
• guarantee fees for participation in tenders;
• repayment of existing debts to other financial institutions.

Individual entrepreneurs and legal entities with an annual revenue of up to 400 million rubles can receive a loan to replenish working capital.

Procurement of vehicles, real estate and equipment

bank guarantee

The term bank guarantee means a written obligation of a financial institution to pay compensation to the customer in the event of default on contractual obligations. The Business Guarantee product is Sberbank's assistance to small businesses in the following situations:

• providing financial guarantees to its partners without property security in the amount of up to 4 million rubles;
• the possibility of providing tender guarantees up to 8 million rubles.

Banking services for individual entrepreneurs and legal entities

Servicing any business in Sberbank begins with the conclusion of a cash settlement agreement and the registration of a current account. Without these two components, it is difficult to imagine the activity of an enterprise in any field. A valid current account provides access to all other bank products for small and medium-sized businesses, including the Internet banking service for small businesses and individual entrepreneurs. Each regional branch of Sberbank has its own RKO rates. In order to find out the cost of service in your region, go to the “Settlement and cash services for legal entities and individual entrepreneurs” section and indicate your city in the “List of all tariffs” column.

Business packages

The packages offered by Sberbank provide for the provision of the most popular cash and settlement services services at a fixed price, which makes it possible to reduce monthly banking service costs. When connecting to any service package, Sberbank provides one-year access to online training at the School of Business. The program consists of 165 courses on business management, increasing sales, effectively developing new markets and attracting new customers.

"Easy start" package for start-up entrepreneurs

Basic service packages for individual entrepreneurs and small businesses

Table continuation

Internet banking

Remote service and minimization of visits to the service office for modern business is very important. At Sberbank, a client’s remote access to their accounts and online transactions is carried out through the Sberbank Business Online system. Individual entrepreneurs or legal entities that have a current account with Sberbank can connect to it. To do this, you must fill out an appropriate application and conclude an agreement. Access to remote service is provided free of charge, but the cost of transactions carried out via the Internet will be charged at the rates of RKO.

Salary and business cards

The issuance of wages to employees of enterprises is a thing of the past. It is much more efficient and economical to transfer salaries to bank cards. Through the Sberbank Online personal account for small businesses, you can order a salary card for any of your employees without visiting a service office.

The transfer of money for all staff is carried out in one payment. To do this, the accounting department of the enterprise must fill out a payroll indicating the amount for each employee and transfer it to the bank. The distribution of the total amount on the cards of employees will be taken over by the bank.

Through a personal account in the SBBOL Sberbank Business Online system, you can also order business cards for accountable employees of your enterprise. At the same time, the accounting department will no longer have to issue cash for business trips or for the purchase of goods for household needs. Having a business card in hand, an employee can independently withdraw cash from ATMs or pay for goods / services by bank transfer, and then submit a detailed report to the accounting department.

Merchant acquiring

According to the requirements of the current legislation of Russia, each trade enterprise must create conditions for accepting payments by bank cards. This can only be done by connecting to an acquiring service, which will also ensure the security of proceeds and reduce collection costs. Having its own processing center and highly qualified IT specialists, Sberbank can provide high-level merchant acquiring at the best cost.

Cash collection services

Sberbank provides cash collection services in the following main areas:

• delivery of cash from retail outlets to the bank's office with crediting to the company's current account on the next business day;
• transportation of cash funds of the enterprise along a predetermined route;
• delivery of change coins to customer stores;
• maintenance of payment terminals, parking meters, electronic cashiers and other devices for receiving cash.

The tariff for collection is set individually for each client. In addition to basic services, cash collection officers are engaged in the transportation of important client documents, jewelry and the delivery of Sberbank securities.

Depository of Sberbank

Depository service, despite the similar name, has nothing to do with bank deposits. In the case of depositories, the bank accepts not the client's money, but his securities for storage. This service can be used by individual entrepreneurs and legal entities that carry out transactions in the stock market for the purchase and sale of shares or other securities.

Custody services at Sberbank consist of the following types of services:

• opening depo accounts for the placement of Russian and foreign assets;
• storage and accounting of non-issue securities;
• conducting transactions for the sale and purchase of securities;
• registration and accounting of pledge transactions with securities.

Maintenance is carried out using a special information automated system "Depository", which meets all the requirements for depository accounting in accordance with Russian legislation and has reliable protection.

insurance services

Despite the existence of a subsidiary company, Sberbank Insurance, Sberbank itself provides insurance services directly for business. There are five programs in this area:

• Comprehensive insurance "Stable business" - compensation for damage to any property of an organization or individual entrepreneur caused by fire, explosion, natural phenomena, natural disasters, mechanical damage to buildings or equipment, illegal actions of unauthorized persons, aircraft crashes and technological accidents. This program provides for a deductible (non-reimbursable amount of damage) of 5,000 rubles.
• Insurance of cars and trucks against theft or damage.
• Life and health insurance for company employees.
• Registration of policies for insurance of the entrepreneur's real estate, including those under construction, and land plots.
• Cash insurance on a business card account - up to 1 million rubles.

Services of subsidiaries

To create favorable conditions for your business, you can also use the services of Sberbank's subsidiaries, the reliability of which is evidenced by their belonging to the leader of the Russian banking sector.

Leasing services

When acquiring vehicles and special equipment for doing business, an alternative to loans is leasing, which involves the transfer of property for rent with subsequent gradual redemption. The subsidiary company Sberbank Leasing, which provides leasing services for the purchase of vehicles for individual entrepreneurs and commercial organizations, is working in this direction. It offers lucrative programs developed in partnership with major vehicle manufacturers.

NPF Sberbank

Since 2014, the state has abolished the mandatory payment of contributions by employers to the funded part of the future pension of employees. However, using the services of NPF Sberbank, each enterprise, on its own initiative, can take care of the future of its employees by participating in the corporate programs of the fund. This will allow you to enjoy tax benefits and encourage the company's staff to long-term and productive cooperation.

Trust asset management

Speculative operations in the stock market is a highly profitable, but at the same time very risky activity. The lack of necessary knowledge and experience is not a reason for not giving up a solid additional income for the enterprise. In this direction, the company JSC Sberbank Asset Management, which began its activities in 1998, will help you.

Having made a decision to provide your capital under the trust management of this company, you need to choose one of the investment programs, each of which has its own level of profitability and risk. Unlike bank deposits, trust management does not have a fixed rate of return. The high performance of a particular strategy over the past period does not guarantee a similar profit in the future. Under trust management, it is desirable to give free funds that are not planned to be used for important business purposes.

Brokerage service

Corporate clients who prefer to make their own decisions when making transactions on the stock or currency market will certainly appreciate the possibilities of brokerage services at Sberbank. All operations are performed via the Internet using a special program Quick, which is installed on the client's computer.

Sberbank provides everyone who has concluded a brokerage service agreement with the opportunity to make speculative long-term and short-term transactions on the following trading floors:

• Moscow Exchange - shares of various companies, government and corporate bonds.
• Derivatives market - options and futures contracts.
• OTC market - depositary receipts, shares of foreign investment funds and Eurobonds.

Bank deposits

Placing free funds of the enterprise on bank deposits allows you to get a guaranteed income and protect your finances from the effects of inflation. Sberbank provides online services for small businesses and individual entrepreneurs to open replenishable, withdrawable and classic deposits for a period of one month or more. The interest rate is set individually for each client. You can place corporate funds on deposits through your personal account in the Sberbank Business Online system.

Services to help business

In addition to standard banking products and services, Sberbank offers the opportunity to use non-core services for it, which allow entrepreneurs to optimize bookkeeping, reporting, organize logistics and solve some other problems:

1. Website for business - quick creation of a web resource for your company or online store by specialists of the 1C-UMI bank partner at competitive rates.
2. Assistance in business promotion - ready-made solutions for advertising campaigns in popular social networks, as well as on Yandex.Direct and Google AdWords.
3. Assistance with small business accounting.
4. Quick invoicing to the client through the Sberbank website.
5. Microsoft Office software products with a 15% discount.
6. E-invoicing online service for checking the reliability of counterparties, exchanging electronic documents with other legal entities and regulatory authorities.
7. Online cash desk "Evotor", connected to the acquiring of Sberbank.
8. The "My Trade" system to control the trading process, the work of cashiers and warehouse balances.

Application "Diary of the head"

The mobile application "Daily Manager" for iPad tablets is a nice gift for entrepreneurs who decide to be served by Sberbank. The program must be downloaded from the official iTunes store, and in the future it will replace your bulky diary and business card holder. The main functions of the application:

• recognition of business cards by photo;
• creation, transfer and rescheduling of tasks;
• sending notifications;
• adding contacts to created tasks;
• writing text from dictation;
• linking images to texts.

Sberbank Business Online login: Video