with check for the product.

1. "Start up unsecured loan" (3 mln.r.). This loan product is required due to the fact that entrepreneurs are rarely have enough collateral on hand that can satisfy a bank or this collateral does not meet the requirements of the bank, for example, the documents for the equipment were lost. In this case, the organization or entrepreneur almost loses the ability to get a loan.
2. "Credit under the guarantee of the Fund." Now Russia is actively created various funds that help small and medium-sized enterprises by giving those guarantees. Some banks even cooperate directly with specific funds, and already have the appropriate loan products. An example is Rosbank, having as part of its line of credit to SMEs product called "Lending to small businesses under the guarantee of the Fund"

Thus, there are various forms to improve the efficiency of interaction between banks and small and medium-sized businesses. Each of these forms has its pros and cons. It is important to understand that the implementation of various technologies must be up to date to the current economic and social conditions. Both banks and borrowers should benefit from cooperation. Although the gradual implementation of standard procedures and credit schemes for small and medium-sized enterprises should remain a priority, banks should not lose their individuality and try to minimize their risks through a combination of standard and individual conditions in reasonable proportions.