New offers and assistance to small businesses from Sberbank of Russia. Small Business Development Center at Sberbank of Russia Sber Small Business

The country's largest bank offers its clients the service of remotely managing their finances, with the ability to easily open current accounts using a regular browser and an Internet connection. Sberbank also guarantees cooperation for small businesses to carry out any operations regarding money transfers to the company.

To connect to Sberbank Business Online, you will need to fill out an application and read the agreement from the bank. After that, collect all the necessary papers and take them to the office. There is no need to install new software. It is proposed to use the system online, through the Sberbank website. The bank offers for the State Defense Order.

The interface is convenient and understandable, has a large amount of supporting information, as well as templates for any document. Sberbank is small. The business offers a number of convenient features that you can use after registration.

The interface is convenient and understandable, has a large amount of supporting information, as well as templates for any document. Sberbank is small. The business offers a number of convenient features that you can use after registration.

After authorization in the system, the client gets access to all data related to cooperation with the banking organization. The Bank, in turn, undertakes to comply with the confidentiality policy regarding the transactions performed. For additional protection and to avoid unauthorized entry, Sberbank offers clients to use one-time passwords when authorizing through other people's computers.

Connecting Sberbank Business Online will simplify transactions through cards. This is convenient for clients who do not have enough time to visit an office or ATM. All you need to make payments online is a stamp and an electronic signature.
https://sbi.sberbank.ru:9443/ic/
Login to the system is carried out on the following page: https://sbi.sberbank.ru:9443/ic/. It is convenient to use Sberbank online for small businesses. Login begins when the following window appears.

For security purposes, Sberbank offers secure authorization:

Sberbank can approve a loan for small business development online, but if the amount is small and the person has a good credit history.
Read also a similar article on the topic: - how to get, generate, validity period

Resource “Sberbank is small. business online" becomes available after visiting a financial institution. Employees will offer to fill out a special application form. In addition, the list of required documents includes:

If you have any questions while filling out the application, you can call the bank’s hotline and ask a consultant. Or leave this item and ask an employee after visiting the branch. Upon provision of all the required papers and a correctly written application, the bank employee will offer to conclude an agreement on providing access to Business Online; Sberbank services will be available to small businesses without visiting a financial institution. After signing it, the client is given individual login information (password and login).

If it is planned that more than one person will interact with the system, it is necessary to notify about this, and the employee will issue a personal login and password for each.

Sberbank Business Online offers the following opportunities to small businesses after authorization in your personal account:
Sberbank Business Online offers the following opportunities to small businesses after authorization in your personal account:

The Sberbank system regularly expands the functionality of the personal account of the remote bank. Notifications are sent about innovations.

Many businessmen trust Sberbank. The Small Business Program was created to facilitate payments and other financial transactions. The entrepreneur will be offered several tariffs for work.

Tariff "Basis" offers:

up to 10 transfers within one month;
receive up to 80,000 in 30 days;
receive statements;
settlement and cash services;
tracking of completed operations.

Monthly maintenance will cost only 2600.

Tariffs "Optima" and "Active" provide the opportunity to:

fulfill up to 20 transfers per month;
accept up to 300,000 rub.

For the “Active” tariff you will have to pay 2700 rubles every month, and for “Optima” - 4100 rubles. Their difference is that in “Optima” it is proposed to perform up to 30 payments and receive up to 150 thousand.

For remote (remote) business management, with the ability to perform all the same operations as when visiting a bank branch in person, Sberbank has developed an Internet client, Sberbank Business Online. It will be useful for both small businesses and giant corporations. Why this service is convenient, how to connect to it, and whether there are any security vulnerabilities in it, we will consider below.

Connection to the Sberbank Business Online system

To become the owner of a personal account for business management, you need to contact the nearest branch for working with legal entities ( attention! The central branches in the region work with legal entities) with a passport and constituent documents confirming that you are an individual entrepreneur or LLC. The employee will ask you to write an application on the bank's form, after which he will give you a response sheet with information about the service. He will also verbally explain the procedure. The connection will take place within a few hours to 1 week.

Login to your personal account Sberbank Business Online

Go to the official login page sbi.sberbank.ru:9443/ic/login.zhtml, enter the login and password received when concluding the agreement at the branch.

Encryption of input data from interception is provided by the HTTPS protocol number 9443, which guarantees 99.9% security.

Whatever security the service provides, remember a few rules, following which you will not leave hackers and scammers a chance:

The operating system on the computer from which you log into Sberbank Business Online must be licensed in order for its security services to be constantly updated.
Do not let browsers remember your personal account password.
The login and password are known only to you. Sberbank employees do not know them. Any calls under the guise of Sberbank operators, with a request to provide them with access data, should be regarded as fraud!
It is best to store your login and password on a piece of paper, written with a pen in a secret place. This minimizes the possibility of data theft.
Do not log into the system from public Wi-FI access points in cafes, bars, restaurants, etc.
Install up-to-date antivirus programs.
Close the session with the "Logout" button.

Login to the Internet client with digital signature

EDS (electronic digital signature) is a special program on a flash card with which you can log into Sberbank Business Online. It is also used for signing documents (instead of an SMS password), which provides additional security. To create an electronic signature, you should contact one of the many sites offering such a service.

How to change login?

You will not be able to change your login on your own. To do this, contact the bank branch with which you entered into an agreement to open Business Online.

How can I change my password?

From your account page, find the lock icon and click on it. In new versions of Business Online, design adjustments are possible; in any case, you need to find the security icon (most often a lock) or profile editing in the upper corner.

Enter old password.
Enter the new password twice.
Save.

What to do if you forgot your password?

If you have forgotten your password, do the following:

Service capabilities

Management and processing of electronic payments.
Complete information on your accounts and their balances.
Free correspondence with the ability to attach files.
Monitoring the status of transactions via SMS notifications.
E-invoicing
Integration with 1C

The flexible electronic document management system Sberbank Business Online allows you to work 24 hours, 7 days a week, with a PC, tablet or mobile phone with Internet access at hand. Experts are constantly integrating new features into it. For those who are often on the move, traveling, or flying, it makes sense to install the application on their mobile phone.

Sberbank Business Online is a service that is designed specifically for corporate clients. Legal entities and entrepreneurs will be able to get convenient access to necessary banking transactions - it's like a personal financial advisor on your phone. This greatly simplifies the procedure for transferring funds, paying for goods and services, as well as monitoring existing accounts.

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Advantages of using Sberbank Business Online

To take advantage of the opportunities, you just need to log in - for this you will need access to the Internet, as well as a computer or laptop. Thanks to this, you can use this service from Sberbank both at home and at work - and this is far from its only advantage. Among the many advantages that an online bank has, it is worth highlighting the following:

A simple and intuitive interface - you can easily find the necessary documents, monitor the status of their processing, tools for sorting electronic papers, and also use templates, which simplifies transactions. Documents can be imported/exported in 1C format. If information needs to be printed, a special stamp will be used, eliminating the need for small businesses to visit a branch.
Mobility - you can use the Internet client for Sberbank Business Online even while on vacation, information about all financial transactions will instantly be sent to your mobile phone, and you can control payments, as well as receive account statements, at any time of the day.
Reliable protection – one-time passwords are used to confirm the client’s identity. The information required for authorization will be sent via SMS to the financial phone number specified during registration.

The system is constantly being refined and improved - Sberbank of Russia is offering new opportunities to small businesses. Client representatives can also connect to the system, which will simplify collaboration on electronic documents.

Additional features of the Sberbank Business Online system

The Sberbank Business Online Internet client provides its clients with a wide range of functions, including the opportunity to obtain additional information about counterparties. Sberbank business users have access to the following information:

About company
On participation in government contracts
About issued licenses
About open cases in the arbitration court
About financial indicators
About bankruptcy.

To process the request, only data from official sources will be used, which indicates their reliability. Legal entities can use this function in the “Services” section.

How to connect Sberbank Business Online

Login to the Sberbank Business Online system is available only to those clients who have completed the registration procedure - this is necessary to ensure a high level of security for service users. To start using the system you will need:

Contact a Sberbank branch and fill out an application, indicating the necessary details, as well as choosing a login and password - the document must have the signature of the company director and a seal
Receive a key to access the Internet client - branch employees will issue a USB token (flash drive)
Insert the USB token into the computer, enter authentication data - login, password, and PIN code issued by Sberbank
Print certificates of the keys used - the papers must be certified by the signature of the director and transferred to the bank.

To start using the system, you do not need to install additional software, which greatly simplifies the task. In addition, representatives of small businesses can install a mobile application from Sberbank, in which similar functions and capabilities will be available.

Cost of using Sberbank Business Online

Representatives of small businesses will be able to fully appreciate the benefits of using an Internet client from Sberbank - access to basic banking services is provided on favorable terms. The monthly fee for organizing cash management services using this service starts from 490 rubles. In addition, in certain cases this service is provided free of charge - you can find out more in the branch when filling out an application for access. The cost of additional services that users may require is indicated on the official website of the bank sberbank.ru, as well as in the documents that will be issued to corporate clients after confirmation of registration in the system.

Sberbank Business Online: beware of scammers

Sberbank Business Online for legal entities is a secure system, the reliability of which has been tested by hundreds of users from all regions of the Russian Federation. It is almost impossible to hack bank accounts, and therefore fraudsters prefer to take advantage of the gullibility of clients of a financial institution. To prevent this from happening, You need to remember a few important rules:

Never tell anyone the login and password specified during registration.
Install the Sberbank Business Online mobile application on your phone, and also connect your mobile bank
Do not install actively advertised applications from unknown sites - you can download software only in official application stores
Bank employees never call clients to find out their current account number, personal data, or to ask for an SMS password to confirm or cancel a transaction.

Using the Internet client 9443 from Sberbank, you can rest assured that your funds are safe. You just need to follow the recommendations presented above, and in case of suspicious activity and calls from unknown numbers, report it to the bank.

If you have any difficulties with the Sberbank Business Online system

Sberbank Business Online corporate clients are pleased with stable operation. If problems arise with access, you cannot log in, or you have questions about the cost of maintaining the system or other nuances of its use, you need to call the toll-free Sberbank hotline number 8-800-555-55-50. Residents of Moscow can contact a separate number 8-495-555-55-50.

Technical support is available on weekdays and weekends - you can contact us at any time. Operators will provide detailed answers to all your questions and help in solving current difficulties.

Mobile application Sberbank Business Online

Sberbank online for small businesses offers a whole range of functions and capabilities. You can pay for services, send transfers, and use other banking services using a mobile application from Sberbank, available for corporate clients. To do this you need:

Fill out an application at the branch
Log in to Sberbank Business Online on the website
After authorization is confirmed, activate the “Mobile application” service
Download the application in official stores: PlayMarket and AppStore.

After this, you can use most of the functions available in the extended version of the system; all you need is Internet access and a mobile phone that supports installing the application.

An additional advantage for legal entities will be the ability to connect up to 5 devices simultaneously, which will ensure comfortable sharing of the system.

Sberbank Online for small businesses means a significant saving of time that would have been required on trips to a Sberbank branch or searching for a suitable terminal. After the registration procedure, you will be able to use all the functions and capabilities on an ongoing basis - and for this you only need a PC or laptop with Internet access.

The development of the Internet has allowed any entrepreneur to manage his own enterprise using an ordinary mobile phone.

The new Sberbank Business Online service for small businesses allows the head of a company or an ordinary individual entrepreneur to work with their own current accounts at their workplace without visiting a bank branch.

Service for new remote opportunities for doing business

The Sberbank Business Online bank mobile application, offered for small businesses, is very functional. Thanks to its use, clients can process payment orders electronically, receive information on all banking transactions and account balances online. This allows you to create the most favorable conditions for organizing the necessary document flow of the company.

E-invoicing - a convenient partner monitoring system

Internet banking

For the convenience of users, Internet banking was developed - a system of payments and banking transactions via the Internet. It works without the client installing special software, so it is not tied to a specific operating system. To work, the user can use a regular computer with a standard browser, as well as any portable devices (tablets, smartphones). All transactions for banking services take place through the bank’s website.

Internet banking - the most advanced technologies for entrepreneurs

By registering in the "" service, small business representatives will be able to remotely carry out all outgoing and incoming transactions on their current accounts and have round-the-clock access to all electronic payment documents. The individual entrepreneur will receive SMS messages about all completed transactions, thus monitoring the correctness of payments. The advantage of connecting to the application is the reduction of costs: tariffs are lower than with a regular visit to a bank branch. In fact, the user independently performs all the functions of a regular bank operator.

Thus, the system allows:

accept and process any payment documents,
accept documents relating to individual contracts,
exchange electronic documents with attached files,
receive information about cash flows and account balances,
interact with bank employees via messages,
submit applications to a financial institution for the provision of services or banking products.

SMS notification

For the convenience of users and compliance with all safety standards, mandatory notification of operations performed remotely (acceptance, execution or refusal of execution) is provided. This information is sent to the client in the form of SMS notifications.

E-invoicing

E-invoicing, built into Sberbank Business Online, is a set of services for electronic document circulation. It allows individual entrepreneurs to exchange documents and send reports to the tax service, the Pension Fund, Rosstat and the Social Insurance Fund. Activating this service is quite simple: you need to log into your personal account and select E-invoicing in the “Services” section. Then the required document is downloaded in electronic form, signed with a special electronic signature of the client and then sent to its destination - to the desired counterparty.

E-invoicing capabilities

To work in this system, two types of electronic signature have been developed - USB token and cloud signature. The first option is a special electronic signature on a token or Bluetooth. The second option is a type of electronic signature that comes to your mobile phone with confirmation in the form of an SMS notification. The main rule of using the service is to accurately indicate all details. When making payments, you must ensure that you have sufficient funds in your account to make the payment.

This service provides a new service - checking the counterparties with whom the individual entrepreneur works. By going to the E-invoicing section, the user can find all the necessary information that is publicly available. This is all data about the company, its financial indicators, existing licenses, data on the counterparty’s participation in government contracts, its arbitration cases and information about possible bankruptcy.

Tariffs for e-invoicing services

Since a qualified electronic signature is used when sending, all documents are legitimate. Electronic circulation occurs in a secure mode. Provides small businesses with qualified technical support for all service issues.

Benefits of working for individual entrepreneurs

Sberbank's offer - online banking is of considerable interest to small businesses. This service has many advantages that allow you to rationally use time and material resources. Now, individual entrepreneurs do not need to frequently visit a bank branch to carry out a particular financial transaction, and they also do not need to spend their own money on purchasing and installing a special banking program. Among the advantages of the service are the following:

Mobility. To connect to the system, you only need to have a computer and Internet access. The main condition is a sufficient level of protection for the computer or tablet from which the necessary financial transactions will be carried out. The client has the opportunity, at his own discretion, to make all payments at any time of the day, on any day, without any time restrictions.

Safety. The system ensures the protection of all user data. It is mandatory to create a personal client account, which guarantees the much-needed security for business. This is the introduction of a special login and password that identifies the user, one-time passwords and SMS messages confirming banking transactions. This protection system allows individual entrepreneurs to protect their data and information about their business activities from ill-wishers and scammers at low cost.
Flexibility. Representatives of the user, authorized with his consent, are provided with special access to the generation of documents. Despite its advantages and benefits, the system is constantly developing its functionality: new offers appear that make it easier to use the service and make it more efficient and secure. Its undeniable advantage is that a client who does not have a bank account can use the system.

Operating Instructions

To connect to the service, a future user must go to a bank branch and write a connection application and enter into a service agreement.

To work you need to go through several steps:

Log in to your personal account and enter your username and password (for the first login, use the password that is sent by SMS to the phone number specified when concluding the contract).
After logging in, the system will prompt you to replace the temporary password with a permanent one.
Then the SMS authentication procedure occurs.

Detailed information on how to use the service is presented in the presentation below:

More detailed information should be found on the official website. The bank is seriously concerned about the problem of user training and, for their safety, has published a very detailed manual for working with the system.

Conclusion

The created service is a successful assistant for Russian entrepreneurs. By complying with all safety requirements, private entrepreneurs have a chance to make their enterprise more organized and mobile.

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 appropriate 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

The Central District Hospital offers the following services:

registration, issuance of loans;
conclusion of insurance contracts;
provision of various banking and financial services;
consultations with Sberbank employees and its partners;
trainings and educational seminars for business owners, as well as employees.

Power is the availability of information, and the clients of the Central District Hospital receive it first.

They learn in a timely manner all the important news regarding changes in legislation, they receive advantageous offers on bank services, flexible tariffs and special promotions apply to them.

Business representatives can use any of the above services completely free of charge at any nearest Central District Hospital office in their city. They are suitable for all companies and individual entrepreneurs planning growth and development in modern conditions.

Project "Business Environment"

Sberbank of Russia thought not only about providing 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 on which all the most interesting materials useful for entrepreneurship are accumulated.

The Business Environment portal offers the following areas:

distance learning for business owners and 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 electronically;
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 clients.

The Bank, with its own funds, guarantees the fulfillment of obligations under concluded agreements and government contracts. At the same time, the business entity itself does not withdraw its funds from circulation; it can only engage in core activities.

The amount of the guarantee provided by the bank without collateral reaches 4,000,000 rubles. If the organization’s financial position is stable and additional security is available, it can be even higher.

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

The bank's fee for obtaining a guarantee is 3% of the total amount of obligations.

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

Applying for such a product is as easy as getting a loan - the same documents are required to obtain a decision. In this case, the tender guarantee is issued in just 3 working days.

Sberbank for small businesses - services at special rates

Sberbank of Russia tries 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.

IB representatives 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 “Business League” - a comprehensive set of services that includes:

preferential rates for cash settlement services (cash settlement 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.

Business Start offer

Beginning entrepreneurs experience certain difficulties in obtaining money from banks to open their own business - they require experience, first results, and 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 scratch, according to a standard business plan approved by Sberbank, as well as for purchasing a franchise or starting your own business using a ready-made business model.

The Business Start loan is provided on the following terms:

term – up to 5 years;
own funds – from 20%;
loan amount – up to 7 million rubles;
rate – 18.5% per annum.

As security, a pledge of the purchased property or a guarantee from an individual is required.

Such a loan can be obtained by all citizens who want to open their own business using the proposed schemes.

The borrower must be a citizen of the Russian Federation, have a permanent residence permit in any region of the country, and be between 20 and 60 years of age.

The citizen must provide the bank with a passport, as well as a business plan and financial documents of the company (if there is activity), to the bank for consideration of the application.

To increase the likelihood of application approval, 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 clients.

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 website of Sberbank of Russia, 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 familiarize yourself with the current tariffs, parameters of the services themselves and terms of registration.

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Overview of the universal electronic document exchange system E-invoicing

Sberbank offers small businesses to simplify the procedure for document flow with counterparties by using the E-invoicing service. Thanks to the use of electronic document management, the speed of document circulation significantly increases, their safety is ensured without additional costs, and the risks of errors and loss of important reports are minimized.

This service ensures interaction not only with commercial structures (clients, counterparties and suppliers), but also with government agencies. authorities, including the automated transmission of reporting to 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. This electronic document management system is ideal for small businesses.

Sberbank offers its new products for small businesses, about this in the video.

Sberbank strives to become as accessible to small businesses as possible. 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 credit products, and various financial services that take into account the specifics of SME activities. To help in business development, Sberbank is even ready to undertake training for company owners and entrepreneurs.

Video: Vice President, Head of Management and Small Business Development of Sberbank of Russia A. Sharov on the results of 2015 and forecasts for 2016-2017.