SME Bank , a subsidiary bank of the SME Corporation, has approved 118 loans to self-employed entrepreneurs for a total amount of more than 50 million rubles for the development of their own business. About this Lente.ru in the bank’s press service, where they noted that representatives of the IT industry and the service sector most often apply for loans – teachers, consultants, hairdressers, makeup artists, self-employed builders and taxi drivers. The average loan amount is about 450 thousand rubles.
To obtain a loan from SME Bank, a self-employed entrepreneur needs to fill out an online application and a questionnaire through AIS NGS bank’s remote lending system , as well as attach a certificate of registration and income from the “My Tax” service. An account for a loan can be opened at any bank.
SME Bank began lending to self-employed citizens from July 1, 2020 and systematically expanded the credit line and reduced the rate – at the moment for all categories of self-employed it is 6.25 percent per annum for up to 3 years. At the same time, a loan from SME Bank can be obtained by both existing and novice entrepreneurs with a registration period of 0 months. No collateral or collateral is required to obtain a loan.
In addition, from November 9, SME Bank launched a program to refinance loans to individuals who are not individual entrepreneurs and apply a special tax regime “Tax on professional income”. Refinancing is provided for loans issued to individuals for the development of entrepreneurial activity. The maximum loan amount is not more than the amount of refinanced loans according to the Bureau of Credit Histories, but not more than 1 million rubles.