At the regional banks do not have modern, efficient technologies lending to small businesses. Scare them and the high risks in lending, and limited opportunities to secure these loans. Prevents develop a promising market "micro" and the lack of separation of credit risk on loans. For example, there is no system of guarantees and risk insurance is not repayment. The costs associated with foreclosure on the mortgage is too high. Today back guarantee through the courts is difficult, it takes much time and money. K Besides, there are no adequate collateral laws and the infrastructure implementation of pledges.
If you follow the current regulations, the security deposit, usually sold for no more than half of its real value. Sale of collateral through a system of tenders, and its price falls significantly due to poor organization of trading. Because the creditor banks require potential borrowers to 200% collateral loan that is not under force many small businesses. To make a credit decision, the banks do not have current statistics on small business. Small businesses often provide the bank is not a real business plan, and "semi-finished product, which does not find its investor or lender.
Just created a small business has minimal chances of getting credit. Banks simply do not fund business at the zero cycle of business development. As a rule, financial institutions set a minimum period during which a small business must not only survive, but to show a profit. In addition, in most cases a prerequisite of obtaining a loan is a translation service in the bank account of a small enterprise.