A loan for business equipment can be issued for the purchase of vehicles, special-purpose equipment. Heads of LLCs and other organizations can also receive funds. Commercial real estate is more often used as collateral, but there are proposals when the bank is ready to consider other objects.

Conditions for obtaining a loan for business equipment

The service is offered for:

• purchase of new or used equipment.
• the possibility of a long period of debt repayment.
• deferred payment of the principal debt for up to 12 months.

A loan for equipment can be issued after studying the solvency and the ability to pay the debt within a certain time frame. In the situation of issuing a targeted loan, in most cases additional collateral is not required.

A loan for the purchase of vehicles, equipment and real estate for business is issued after the provision of:

• applications,
• company registration certificates,
• financial reporting,
• extracts from the Unified State Register of Legal Entities,
• copies of contracts with equipment sellers.

The most profitable is to take a loan secured by your purchase. Banks draw up a credit line without the possibility of renewal. After using the credit funds, the account is closed. When guarantors are involved, their role can be played by the chief accountant, owner or manager. Those who have a positive credit history are more likely to receive funds.

Every entrepreneur needs money. They can be obtained by raising borrowed funds. Are you expanding production and acquiring new equipment? Banks can give a loan secured by this equipment.

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Such loans are issued to both individual entrepreneurs and legal entities. The difference is usually only in the list of documents provided.

Terms

Banks are much more willing to give a loan when the borrower provides guarantees in the form of collateral. The profit of the enterprise is a rather unstable thing, and the pledge is the type of security that, if the borrower is unable to repay the loan, will remain the property of the bank. In any case, the bank will win.

The following can serve as collateral:

• any production equipment depending on the industry;
• transport;
• special equipment.

Pledge can be new equipment, used equipment purchased, as well as equipment on which the company is already working. Of course, the equipment must be in good condition.

The deposit must have a high degree liquidity in the market, not to be encumbered, not to be arrested and not to become the property of third parties.

Before making a pledge, experts must evaluate it.

This is quite difficult, since there are a lot of nuances in each industry. The estimated value of collateral will always be significantly less than the real (market) value.

Where to get?

A loan secured by the purchased equipment is issued by many large banks.

In the table we will consider the most popular:

	Loko - bank	Bank Zenith	BinBank	Bank Credit - Moscow
Sum	From 300 000 rubles	Up to 100,000,000 rubles	From 1,000,000 rubles	From 10,000,000 rubles
Term
Issuance fee	No information	Don't take toils		Yes, depends on the specific application
Grace period		Up to 6 months	Up to 6 months	No information
Collateral insurance	Not obligatory effectively	Necessarily	At the discretion rhenium jar	At the discretion of the bank
Additional security	At the discretion rhenium jar	Charge- authority individuals– own- nicknames or establish- bodies; legal entities– bound- nyh compa- ny (at stock)	Charge- authority own- nicknames	Small Business Lending Assistance Fund Guarantee

Sberbank

Sberbank offers many loan programs for small business development. Interest rates are very attractive, from 14.82% per annum.

A large selection of collateral will allow any company to find its own option. The maximum age of individual entrepreneurs is no more than 60 years.

Uralsib

The interest rate on loans secured by purchased property is from 16% per annum. Such a loan must be issued under the guarantee of all individuals - the owners of the enterprise.

Guarantees from Business Development Support Funds and the Credit Guarantee Agency are also accepted. In this case, the interest rate will be lower by 1% per annum.

Rosselkhozbank

The specifics of the bank's work is mainly aimed at the development of agriculture. Therefore, the bank accepts mainly agricultural machinery, farm equipment, vehicles and other types of equipment as collateral.

The interest rate is set at the discretion of the bank after checking all the circumstances of the loan application and the operating conditions of the enterprise.

FC Otkritie

Only new equipment, tools and machinery are accepted as collateral. Custom-made equipment will not be accepted.

This is due to the inability to adequately evaluate and sell this equipment on the market. The interest rate on a loan secured by equipment is from 22% per annum.

	Sberbank	Uralsib	Rosselkhozbank	FC Otkritie
Sum	From 150 000 rubles	From 300,000 to 170,000,000 rubles	Up to 85% of the estimated cost of equipment	From 1,000,000 to 7,000,000 rubles - up to 5 years; From 7,000,000 to 30,000,000 rubles - up to 7 years
Term	Up to 10 years	From 6 months to 5 years	Up to 7 years	Up to 7 years
Issuance fee	Not	1.2% of the loan amount	From 0.8% of the loan amount	1.5% for up to 5 years, 1% for over 5 years
Grace period	There is	No information	New equipment - up to 12 months; 2 - 3 years - 9 months; 3 - 4 years - 6 months	Up to 12 months
Collateral insurance	Necessarily	necessarily	At the discretion of the bank	At the discretion of the bank
Complement— body support	At the discretion of the bank	Guarantee of owners, ACG, Support Funds	At the discretion of the bank	Bills of exchange, cash deposits, movable and immovable property

Design methods

There are two ways to get a loan secured by the purchased equipment:

• submit an online application on the website, after preliminary approval, provide a package of documents (it is also available on the website of the selected bank);
• immediately contact the bank office with the documents.

The loan officer will tell you what specific documents are required for your organization and which ones for equipment.

After the final approval of the application, loan documents are signed and a pledge of equipment is issued.

Do you want to know how to quickly get a cash loan? Ours contains the most up-to-date and complete information on this issue.

And if you are looking for an answer to the question - then you need to follow the link provided and read the article.

A loan secured by the purchased machinery or equipment

Loans secured by purchased machinery and equipment are issued on fairly favorable terms.

Interest on them is sometimes lower than on consumer loans. Organization - the borrower provides the bank with a large package of documents. According to them, the bank evaluates the financial condition and solvency of the client.

The loan is issued at a time or with the opening of a credit line.

Most banks require the borrower to insure the equipment. These are additional financial investments, but without them, a loan may not be issued.

Requirements for borrowers

The borrower can be an organization - a legal entity or an individual entrepreneur, working for at least 6 months and located in the Russian Federation. Good financial and tax reporting is also important.

If an organization has credit history, then it will also be carefully analyzed.

For the bank, the main thing is that the loan amount is returned to it with interest. Therefore, good solvency is the main requirement for the borrower.

The bank will also hesitate to issue a loan to an enterprise that purchases equipment not for production purposes, but, for example, for storage in a warehouse.

The documents

Each bank sets its own list of documents depending on the area of ​​work of the borrower and on the equipment that is pledged. We note only the general features.

A legal entity or an individual entrepreneur must submit to the bank:

• application form;
• copies of constituent and registration documentation;
• copies of licenses, permits, patents for activities;
• extracts from the state registers of the Unified State Register of Legal Entities / EGRIP;
• copies of passports of individuals - participants in the transaction;
• tax reporting;
• financial statements;
• documentation from banks where the organization is being serviced;
• copies of contracts with equipment suppliers;
• copies of documents substantiating the right to use production areas;
• collateral documents.

Interest rates

The bank sets interest rates at its own discretion. Usually it also depends on the priority of the bank's work with small and large businesses.

The average interest rate on loans secured by purchased equipment can be called in the range of 16-20% per annum.

Maximum and minimum amount

The amount of a secured loan is usually set by the bank as a percentage of the assessed value of the collateral. For example, the bank has set a maximum loan amount of no more than 60% of the assessment amount.

The company buys equipment for the amount 20,000,000 rubles. They rated it in 13,000,000 rubles.

So the maximum amount will be 13,000,000 x 60% = 7,800,000 rubles.

Loan terms

The terms of loans secured by equipment can be called average, usually 5-7 years. This is due to the high depreciation of the equipment.

In a few years, it may significantly lose its production capacity and its liquidity will fall.

Debt repayment

These loans can be repaid different ways by agreement with the bank:

• monthly;
• quarterly;
• annuity (equal) payments;
• differentiated (from larger to smaller) payments;
• on an individual schedule;
• according to the seasonal schedule (for seasonal productions).

In this article, you will learn where to get a small business equipment loan. We have prepared a review of the conditions of 15 banks lending to small businesses for the purchase of equipment. And also the article contains a list of documents that are necessary for individual entrepreneurs and LLCs.

TOP-15 banks issuing a loan for the purchase of equipment

Targeted loans are now offered by almost all major banks. Consider the programs of leading institutions.

Bank	Bid	Amount, rub.	Term
, Business Asset	from 12.2%	up to 150 million	from 1 month to 7 years
, "Loan on collateral"	from 10.9%	up to 150 million	up to 10 years
, "Credit secured by purchased equipment"	from 9.6%	up to 1 billion	up to 7 years
, "Partner"	from 12.5%	up to 6 million	up to 3 years
, "Credit-Business"	from 11%	3-150 million	up to 10 years
, "For business development"	from 11.5%	up to 150 million	up to 7 years
LOKO Bank, "Targeted loan for the purchase of equipment"	from 12.75%	from 0.3 to 150 million	from 6 months to 5 years
, "Business-Invest"	from 13.1%	from 0.3 to 170 million	from 6 months to 10 years
, "Investments"	from 10%	up to 150 million	up to 7 years
, Equipment Loan	14,25%	from 0.5 to 73 million	1-5 years
, "Target. Equipment"	13,25%	from 1 million	2-5 years
, "Business Privilege"	from 12.5%	from 0.5 to 30 million	up to 5 years
, "Business loan"	from 12%	from 1 million	up to 7 years
, Equipment Loan	15,5%	up to 5 million	up to 5 years
Zenit, "Investments"	from 9.6%	up to 150 million	up to 3 years

Sberbank

• The loan amount may include the cost of additional components for equipment, installation and configuration work, and insurance for one year.
• The equipment must be delivered no later than three months after signing the contract.
• The minimum down payment is 20-45%.
• The loan amount is not more than 55-80% of the market value of the equipment.

VTB 24

• Initial payment - not less than 20%.
• No fees for registration and early repayment.
• Repayment in monthly installments.

Rosselkhozbank

• The rate is formed based on the terms of the loan.
• Advance payment - 15-40%.
• The amount of approval is up to 85% of the equipment price.
• No additional collateral required.
• The equipment supplier must be located in Russia, provide warranty support for their products.
• The borrower must have a current account with the Russian Agricultural Bank.

Alfa Bank

• The loan is available only to existing customers of the bank.
• The age of the borrower is 22-65 years.
• At the time of application, the IP must be registered at least one year ago.

Promsvyazbank

• You can choose a convenient debt repayment option: annuity payments, repayment in equal monthly installments or according to an individual schedule.
• Entrepreneurial activity should be carried out no further than 100 km from the bank branch.
• The period of actual business activity is at least two years.

VTB Bank of Moscow

• Interest is set individually for each borrower, depending on its solvency.
• The business must be located no further than 200 km from the bank branch.
• The duration of the business must be at least 9 months.

LOKO Bank

• It is possible to purchase new or used equipment.
• There is no insurance obligation.
• Advance payment - 30% or additional collateral.

Uralsib

• The final rate depends on the financial position of the enterprise.
• The equipment must be insured by a company approved by the bank.
• The loan amount is up to 90% of the cost of the equipment.

Opening

• Within the framework of the program from the SME Corporation, the loan rate can be reduced to 9.6% per annum (no more than 30% of the loan amount).
• Loan repayment according to an individual schedule.
• A loan not only for the purchase, but also for the repair and modernization of equipment.

Unicredit

• No additional collateral.
• The initial payment is 20%.

Binbank

• The advance can be replaced by additional collateral.
• Loan amount - up to 80% of the price of new equipment, up to 65% - used.
• The duration of the activity must be at least one year.
• It is allowed to provide partially unsecured loans, but in an amount not exceeding 30% of the loan amount with full collateral.

UBRD

• For customers who have been served by the bank for less than a year - the minimum amount of withdrawal is 1 million rubles.
• The Bank lends collateral from its own catalogue.

intesa

• There is no maximum approval amount.
• The rate depends on the terms of the loan and the specifics of the business, and is set individually.

Zapsibkombank

• The loan term for new equipment is up to 5 years, for used equipment - up to 3 years.
• The loan amount is up to 70% of the equipment price.
• Advance payment - from 30,000 rubles. up to 1% of the withdrawal amount.

Zenith

• The loan limit for an LLC or an individual entrepreneur is no more than 150 million rubles.
• The annual revenue of the borrower is no more than 2 billion rubles.
• Favorable conditions for regular customers.

Terms

Business representatives often purchase equipment on credit. It may be required by the company as a replacement for the old one or as part of the company's development program. Banks issue loans for the purchase of equipment, the funds for which cannot be spent for other purposes.

The borrower will have to provide all the data about the planned purchase: justification for its need, information about the supplier, and so on. After the purchase, the equipment automatically becomes collateral for this loan. It will be seized and put up for sale if the bank's client fails to repay the loan.

In order for the bank to lower the rate, additional collateral can be provided. The pledge can be not only the purchased equipment, but also:

• gooods at the work;
• real estate;
• transport;
• securities.

The larger the loan amount and the lower the interest rate, the more likely it is that the bank will require the client to pay the down payment. On average, its size is 15-20% of the loan amount.

Requirements for the borrower and the transaction

Not every entrepreneur can easily get a loan to buy equipment. Financial institutions put forward their requirements. Let's consider the most common.

Requirements for the borrower:

• registration in the Russian Federation;
• conducting business activities for at least six months;
• for individual entrepreneurs, age is from 23 to 70 years;
• stable financial position (confirmed by documents);
• positive credit history.

Equipment requirements:

• the product must be mass-produced;
• the manufacturer must provide a warranty period for the product;
• if necessary, the equipment must be dismantled without damage;
• only a few banks allow the purchase of used equipment.

Supplier requirements:

• registration in the Russian Federation (some banks allow the purchase of foreign goods, but on condition that they are cleared by customs);
• state registration as a legal entity or individual entrepreneur.

The documents

Each bank puts forward its own requirements for the borrower's documents, but it is usually necessary to provide:

• application form (filled in at a bank branch or on its official website);
• passports of the founders or individual entrepreneurs;
• constituent documents of the company;
• copies of valid certificates and contracts (with suppliers, lessor, etc.);
• financial reporting;
• documents with information about the equipment and its supplier (with justification of the cost).

How to get an equipment loan

To get a small business equipment loan, you need to:

1. Select a bank.
2. Decide on the equipment that meets the requirements of the bank.
3. Fill out an application for a loan at a bank branch or on its official website.
4. Collect the necessary package of documents (including equipment).
5. Meet with a bank employee and sign an agreement.
6. Pay the down payment.
7. Get money and buy equipment.
8. If necessary, insure the equipment, open a bank account (if it is determined by the terms of the contract).

What difficulties can be

Most of the pitfalls that a borrower may encounter are related to the assessment of equipment purchased on credit. The bank, not on its own whim, carefully checks the liquidity of the equipment and its market value. The fact is that if the entrepreneur cannot return the borrowed funds, the bank will have to sell the equipment so as not to incur losses.

The estimated value according to banking norms is on average 70% of the market value. The bank may even refuse to purchase used equipment. Especially when it comes to a large amount.

In addition, the borrower must remember that he will have to insure the equipment in favor of the bank at his own expense. The corresponding requirement is put forward by most financial institutions.

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Loans for the purchase of equipment

Maintaining competitiveness is unthinkable without modern means production. And as the physical and moral deterioration of the equipment, any manufacturer is forced to update it. Without this, business development is extremely difficult. However, investment opportunities for most enterprises are limited. In such situations, you can take either equipment on lease or a loan to purchase it from a bank. Our review is for those who chose the second option.

Aging problem equipment for Russia remains relevant to this day, many businessmen admit that they use outdated equipment. According to a study by Opora Rossii (2012), 21% of managers described their equipment as “moderately obsolete”, and 7% admitted that their equipment was “obsolete, on which almost no one else in the world works”. About half (40%) of companies operate on equipment "not the most modern, but widely used in the world." But only a quarter of companies (26%) can boast of using “the most modern equipment of what exists in the world today.

This trend is easy to explain: most enterprises have limited investment opportunities. However, if own funds there is not enough to buy new equipment, special bank loans will come to the rescue. You can take an “investment” loan, a “development loan” or just a universal non-purpose loan from the bank. But most banks now offer special loans for the purchase of equipment.

Often you can get such a loan even without collateral; in such cases, the purchased equipment acts as collateral. Conditions vary, but distinguishing feature such loans are long terms (sometimes up to 10 years) of lending, high loan amounts. Such loans are considered secured (collateral can be either a pledge of corporate property or purchased equipment), which means that the rates on them will be lower. On average in the market, this is 10-15% per annum in rubles.

Loans for the purchase of equipment: market offers

The lowest interest rate- from 9.5% per annum in rubles - under the program "Equipment on credit" from the bank "Credit-Moscow". On it, you can get an amount of 400 thousand rubles for up to 3 years, the purchased equipment acts as a pledge. The borrowing company can get a loan to purchase equipment from the bank's partners (the list is on the bank's website) or choose a supplier company on their own. A loan can be obtained quite quickly: a preliminary decision is made in 1 working day, the term of issue is 7 working days. The bank also promises a flexible rate discount system, in particular, for customers who have recommended the bank to their partners. Requirements for the borrower company: the minimum period of existence of the borrower's business is 6 months. A loan can be issued in Moscow, St. Petersburg, Belgorod, Ryazan, Volgograd, Voronezh. There is a commission for granting a loan, its amount will depend on the amount, term of the loan and financial condition borrower.

Get a loan to purchase equipment no commission can be in Sberbank. On the loan "Business asset" you can get an amount of 150 thousand rubles for up to 7 years at a rate of 11.54% per annum in rubles. The action "Loans without commissions" will last until February 1, 2014. The collateral for the loan "Business asset" is the purchased equipment. It is possible to include in the loan amount: the cost of additional components of the purchased equipment; the cost of installation and commissioning; the cost of insurance of the purchased equipment. The initial payment of the borrower should be from 20% for new equipment and from 40% for used equipment. However, the purchased equipment will have to be insured, this required condition Bank and not all enterprises will be able to use the loan, the product is designed for small businesses and is provided to individual entrepreneurs and small businesses with an annual revenue of no more than 400 million rubles.

the most patient can be considered as NOMOS-Bank, the maximum term of the "Credit for the purchase of equipment" is 10 years. The rate will depend on the amount and term of the loan, the maximum is 18% per annum. And taking from 7 to 30 million rubles for up to 6 months, you will pay 13.5% per annum in rubles. Plus commission for granting a loan - 1% of the amount. Pledge - purchased equipment, you can provide additional security, in particular, the guarantee of the entrepreneurship support fund. Benefits this product— the fact that the bank can finance up to 100% of the cost of the equipment. This means that the borrower does not need to pay a down payment. It is also possible to defer payment of the principal debt up to 12 months. Requirements for the borrower: the period of doing business - at least 6 months; Russian resident.

The most generous in our rating - NK Bank, under the loan "For the purchase of goods, raw materials for equipment" you can get up to 300 million rubles at a rate of 15% per annum for up to 1 year. There are no commissions for issuance and registration, penalties for late payment on the loan - 0.25% of the amount for each day of delay. Pledge can be both acquired property and currency values, incl. precious metals, foreign currency, guarantees, security deposit, pledge of 3 persons, land plots, property/monetary rights, corporate property, personal property, real estate, equipment, guarantee of small business lending assistance funds, special equipment, raw materials and materials, vehicles, securities. There is a possibility of early full or partial repayment. Requirements for the borrower: term of doing business - at least 12 months; breakeven activity.

The most profitable bank loans secured by corporate property
(equipment, transport, etc.)
Data as of December 2013

№	bank, credit	Min. bid	Sum	Max. term
1.	Bank "Credit-Moscow", "Equipment on credit"	9,50%	From 400 thousand rubles	3 years
2.	Metcombank, "Credit for the purchase of equipment"	11,50%	Up to 25 million rubles	7 years
3.	Sberbank, "Business asset"	11,54%	From 150 thousand rubles	7 years
4.	Loko-bank, "For the purchase of vehicles, special equipment, equipment"	12,40%	Up to 30 million rubles	5 years
5.	Binbank, "Credit for equipment (annual turnover of 60-900 million rubles)"	12,40%	Up to 10 million rubles	5 years
6.	Bashinvestbank, "Credit for equipment"	12,40%	From 100 thousand rubles	5 years
7.	Krayinvestbank, "Special equipment for business"	13,00%	Up to 100 million rubles	5 years
8.	Bank "Zenith", "For equipment and transport"	13,00%	Up to 75 million rubles	5 years
9.	Bank "Uralsib", "Business equipment"	13,50%	Up to 170 million rubles	5 years
10.	NOMOS-Bank, "Credit for the purchase of equipment"	13,50%	Up to 30 million rubles	10 years
11.	Novosibirsk Municipal Bank, "For the purchase of equipment"	13,50%	Up to 30 million rubles	7 years
12.

To open a new or expand an existing business, it is usually necessary to purchase special equipment. Such a purchase often requires enough big money, which a novice entrepreneur may simply not have. To solve the problem with cash, a businessman has the opportunity to take out a loan to buy equipment and spend these cash to purchase the equipment he needs.

If you have to buy expensive equipment for your store, restaurant, workshop, etc., but you don’t have the necessary amount of money for this, you can take a loan from the bank to purchase equipment. Today, you can get a loan for business equipment in different banks, as well as microfinance organizations. To find out where this can be done today on the most favorable terms, use our online service.

How to use our service?

Our catalog contains many banking institutions in Moscow that provide credit funds for the promotion or opening of a business. Specify the criteria by which you want to search for a loan product that suits you in the columns of our search engine. You will need to provide the following information:

• the amount of money you need;
• the currency in which you want to receive a loan;
• the number of documents that require the issuance of a loan for the purchase;
• interest rate that suits you;
• the time of consideration of the submitted application.

After you have provided all the above data, our system will select all the offers that suit you and give you a list of loan products. It will include those offers that suit your requirements. Once you have chosen the loan product that suits you, you can start applying for it. Using online lending, you can expand your business, make it more successful, and take it to a new level.