Small business assistance from the state this year. Types of financial support for entrepreneurs. Receiving free assistance

Those who study in Russia entrepreneurial activity, they are not always aware of the forms of assistance that the state offers to business. Domestic entrepreneurs often think stereotypically: the authorities constantly monitor and check, raise taxes, dismantle the bureaucracy, etc. - that is, they interfere.
Of course, there is some truth in the criticism of the state on this matter. However, we must understand: the country is changing, and what was relevant 10 years ago is no longer entirely true today. And the reality now is: small business support is in effect! The state offers entrepreneurs a variety of programs, both federal and regional level. They are quite affordable, designed for different categories and areas of business, and provide various amounts and types of financing and assistance. In order to participate in these programs, you just need to know about them and not be afraid to contact the relevant structures. But bureaucracy can always be overcome.

UPD: Information is current for 2017

What forms of state support for entrepreneurship exist?

Small business support in Russia has legislative framework: profile federal law(No. 209), decrees and orders of the Government, orders of the Ministry of Economic Development, etc. All these documents, if summarized, offer the following forms of assistance:

direct financing of business entities;
tax benefits, reduction of mandatory contributions;
compensation of bank interest on business loans;
business subsidies for reimbursement of certain costs (for example, customs);
introduction of mandatory quotas for government procurement from small businesses;
special procedure for providing land plots;
establishment of preferential state rent. property;
simplification of the accounting and reporting system, registration of licenses, permits, approvals, etc.;
providing small businesses with additional preferences in government procurement;
creation and assistance in the work of structures dealing with the development of entrepreneurship.

Direct support is provided in the form of financial, property, information, advisory and educational assistance.

Federal programs for 2017

1. The country’s main program for the development of entrepreneurship has been implemented by the Ministry of Economic Development since 2005 and will operate in 2017. Its mechanism of action is as follows.

The regions receive targeted subsidies from the federal budget for support for small businesses in 2017 under government programs. These state funds are necessarily supplemented with money from regional budgets. And then everything is transferred to special local infrastructure: guarantee funds, financial companies, microfinance organizations, etc. They are determined on a competitive basis and are, on the one hand, managers of budget funds, and on the other hand, they are responsible to the state for their targeted and efficient use. By transferring funds to such organizations, the state distances itself from direct financing of private structures, removes officials from the process of identifying candidates for receiving grants for small businesses.

The conditions and directions for providing financial and other resources are different in each region: in some places the priority is new business ideas, starting from scratch, while in others they support an existing and established business for the purpose of expansion, modernization, etc.

2. In 2015, in accordance with the Presidential Decree, a small and medium-sized enterprise corporation - “SME” was created. It is expected that over time it will become the main instrument for implementing federal policy to support entrepreneurial activity.

For some time there will be a period of formation of the SME Corporation, but next year it is planned to finance business projects through it and provide non-financial assistance. A center for financial and credit assistance to entrepreneurs will be created on the basis of the corporation.

The work of SMEs will also be carried out through the business support infrastructure described above.

3. Program of SME Bank JSC. This separate direction financial assistance to entrepreneurs at the expense of government funds, has been operating since 2004. The Bank implements its tasks through other banks, as well as through partner organizations. Main forms of support: bank loans (for special conditions), microloans, leasing, as well as a number of others.

4. For 21 years in Russia you can get financing for your innovative business from state fund to assist small enterprises in the scientific and technical field. The fund provides available credit resources to support production, scientific, technological, energy-saving, social and other significant innovative business projects. The Foundation also has partner banks and various local partner organizations.

5. Small Development Program rural farms. The Ministry of Agriculture provides subsidies to regional budgets to support agricultural producers. Farmers participate in the program after passing a competitive selection of business plans.

The program provides the following forms of work:

support for starting a farming activity (so to speak, a startup for a rural resident);
grants for small businesses in rural areas when creating a family livestock farm;
reimbursement of interest on bank loans to farmers and citizens with subsidiary farming;
registration of land plots in the ownership of farms.

6. Startup to open your own business for the unemployed. The Federal Employment Service offers unemployed citizens not only information about vacancies, but also gives them the opportunity to try themselves in small business. To do this, they can receive a small grant - a start-up subsidy. Of course, certain conditions must be met, but in general this program works, and is especially relevant for small towns and villages, where there is not such a large selection of banks and financial institutions.

In addition to all-Russian programs and structures that support entrepreneurs, there are a great many regional and municipal programs.

For 2017, 8 billion rubles are planned in the federal budget for small business development programs. The amount is less than in 2016, but it is proposed to spend it more efficiently, including through the recently created SME Corporation. Since July of this year, mandatory quotas have been introduced for the purchase of products from small businesses during the government procurement process, which ensures a certain guaranteed demand.

Where to contact

If you are determined to receive government support for your business activity, you should first develop an appropriate business plan. At least in the form of a piece of paper with the main indicators of income and expenses.

Then you can contact local or regional structures involved in the small business development system. These can be entrepreneurship support funds, business incubators, consulting centers, specialized public organizations etc. Here you will be given an initial consultation, they will tell you which federal and regional programs you can participate, they will help you develop a high-quality business plan, etc.

After this you will deal directly with financial institution- manager of budget funds. Here everything depends on the business idea itself, its financial and economic justification, the amount of the requested amount, the performance of your business at the moment, etc. You can count on replenishment of working capital, additional or main financing for modernization, expansion of the scope of activities, implementation new technologies or, in general, starting work from scratch.

We must understand that today the state is interested in the development of entrepreneurship and is investing serious money in it. And you can and should take advantage of this!

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Distribution of grants to start-up entrepreneurs in 2016

There are different forms of support for small businesses, in addition to financing, cash subsidies or grants. This, for example, provides training and internship programs for aspiring entrepreneurs, accounting and legal services for small and medium-sized businesses on free terms, preferential rental of premises and many others. Small businesses in our country are supported under certain programs by both government and non-government organizations. But every entrepreneur has the right to take advantage of free help. For example, the opening of a business in 2015 in the regions is helped by funds for supporting small and medium-sized businesses (state or municipal), employment services, investment and guarantee funds, business schools, technology parks and other institutions.

Grants for small business development 2015-2016. This measure state support turns out to be, as a rule, regional authorities. Priority is given to aspiring businessmen from among the disabled, unemployed, young people, large families and others social categories. The conditions for receiving grants in each region may be different; specially created commissions review applications, but there are conditions for receiving money. This is a sufficient number of jobs, the amount of revenue, mandatory registration of an enterprise, a certain field of activity of a small or medium-sized business and other aspects. Such support for small businesses 2015 is currently very popular among entrepreneurs: the amount of cash grants can reach 300 thousand rubles. Since 2015, increased to 500 thousand rubles.

Subsidies for start-up entrepreneurs in Moscow and the Moscow region

City and federal programs to support small and medium-sized businesses provide Moscow entrepreneurs and organizations with the opportunity to receive government subsidies in the amount of up to 5 million rubles.

In order to become an applicant for a small business subsidy, you must submit an application to the Department of Science, Industrial Policy and Entrepreneurship, as well as a package of documents, the composition of which depends on the type of subsidy. The decision to provide funds is made by the Industry Commission.

If the decision is positive, the entrepreneur who received the state subsidy is obliged to report on the expenditure of funds within a specified period.

Subsidies for small businesses

Entrepreneurs applying for financial support can contact the government budgetary institution"Small Business of Moscow" for advice. In addition, the reception of documents for obtaining various types subsidies. As part of the state program “Stimulating Economic Activity”, there is a subprogram “Development of small and medium-sized businesses in the city of Moscow for 2012-2016.” In accordance with it, small businesses in Moscow are provided with the following types of subsidies:

Subsidy for start-up entrepreneurs

Beginning entrepreneurs in Moscow can receive a subsidy of up to 500,000 rubles from the city budget.

The subsidy can be used for:

Acquisition of fixed assets (except passenger cars);
Organization and equipment of workplaces;
Purchasing a license software;
Office rent (no more than 20% of the total amount of the requested subsidy);
Raw materials and supplies (no more than 20% of the total amount of the requested subsidy).

Conditions for receiving a subsidy:

No more than 2 years must pass from the moment of registration of a legal entity (including individual entrepreneurs);
The average number of employees should be no more than 250 people, sales revenue should not exceed 1 billion rubles, and the total share of participation of the Russian Federation, constituent entities of the Russian Federation, foreign legal entities and foreign citizens should not exceed 25%;
Legal entity(including individual entrepreneurs) must be registered and registered for tax purposes in Moscow and have no overdue debts for taxes, fees and other obligatory payments of the Russian Federation.

Procedure for receiving a subsidy:

With the assistance of employees of the State Budgetary Institution “Small Business of Moscow”, collect a complete set of documents to receive a subsidy;
The collected package of documents is transferred to an expert organization to conduct an examination of the project;
Present the project at a meeting of the Industry Commission at the Department of Science, Industrial Policy and Entrepreneurship of the City of Moscow, which makes a decision regarding the issuance of a subsidy;
If the project is approved by the Industry Commission, enter into an agreement with the Department and receive a subsidy;
A few months after receiving the subsidy, confirm the intended use of budget funds;
In conclusion, confirm the implementation of socio-economic indicators.

It is difficult to obtain funds to implement a business idea, since there are no guarantees of the success of the project and, accordingly, repayment of the loan. Help for small businesses in the form of preferential lending mechanisms the state proposes. The terms of such support programs are presented in the article.*

Loan for small businesses from the state guaranteed by the Support Fund

State assistance consists of providing guarantees from the Fund for Support of Small and Medium Enterprises (SMEs). It enters into agreements with banks that have applied to participate in the business support program and meet certain requirements. When an entrepreneur applies for a loan, the Fund acts as a guarantor. To apply for a loan under this program, a businessman should:

Find out from the territorial Support Fund which banks are participating in the project.
Study the requirements and conditions of banks and choose a suitable lender for yourself.
Collect the necessary package and submit an application for a loan to a financial institution.
After approval of the application, contact the Support Fund to provide surety guarantees.

Preferential loans under the program for small businesses – microfinance

The state project to support small businesses is being implemented by the Ministry of Economic Development of the Russian Federation. Loans are issued by territorial SME Support Funds on the basis of a loan agreement. The program provides the following conditions:

the amount depends on the region and ranges from 50 thousand rubles. up to 1 million rubles;
period – from 3 months. up to a year;
rate – approximately 10% per annum;
it is necessary to provide security in the form of collateral or bank loans;
The amount of collateral must cover the loan amount and interest charges.

Free loan from the state to help small businesses

The state issues subsidies to firms and individual enterprises that have been registered for less than a year. The program is aimed at reducing unemployment and operates through employment centers. You have the right to apply for a non-repayable loan provided that you are registered as unemployment. To receive financial assistance you need:

You have the right to count on the following amounts:

to open a business – 60 thousand rubles. in the regions and 300 thousand rubles. – in Moscow;
for each created job - 60 thousand rubles;
to support the business - 25 thousand rubles.

Adviсe. Nuances of preferential loans to small businesses from the state 2016

Before contacting the Support Fund, study the provisions on its guarantee in a particular region. You may be provided with a guarantee not for the whole, but only for a part, the amount of which is specified in this document.
The likelihood of receiving a preferential loan for a small business in 2016 under the microfinance program will be high if you correctly fill out all the documents and provide reliable collateral.
When receiving a subsidy from the Employment Fund, remember that you need to account for the funds. You have the right to use them only in accordance with the business plan, and the target direction should be confirmed with checks, receipts, invoices, etc.

Subsidy for small businesses in 2016

It often happens that a person calculates his possibilities and wants to start his own business, but he does not have sufficient start-up capital for this. This is the very stumbling block that prevents you from starting your own business, no matter how much you would like. This is where government subsidies come to the rescue.

Subsidies for small businesses in 2016 are a government program to support small entrepreneurs. Firstly, government subsidies are assistance to small entrepreneurs, not loan offers. The state is ready to help small entrepreneurs, but anyone who wants to take advantage of the subsidy must guarantee that they will use the funds received for their intended purpose.

To receive a subsidy from the state for opening own business, you need to draw up a plan that should include the following: direction of business, expenses, income, annual percentage of profit. If the entire plan is drawn up as carefully and in detail as possible, officials will be able to understand what exactly this or that entrepreneur wants to do and can issue a subsidy. The main thing when drawing up a plan is to avoid two-digit data that leaves questions. Officials will not ask you anything related to your personal plan if there is something they do not understand. They will simply refuse to subsidize you.

Supervisory authorities

After subsidizing a particular small entrepreneur, regulatory authorities will monitor the funds spent. You must prepare a detailed report on how you spent the funds received to open a business. The report must be accompanied by all necessary documents that confirm the fact that the funds were spent for their intended purpose. These are commodity and fiscal receipts.

As a rule, officials provide subsidies on a competitive basis. The number of events that are organized to subsidize small businesses is expanding from time to time.

If you want to receive a subsidy to start your own business, subsidies for individual entrepreneurs in 2016 will help you. The state can give you 60,000 rubles. To support existing entrepreneurs, the state can allocate 25,000 rubles. The state gives the largest subsidy in the amount of 300,000 rubles to disabled people, single parents and the unemployed.

In addition to the above subsidies, the state can provide other types of assistance:

A loan from any bank for which debt repayment is + made on a preferential basis;

Financial support for business development;

For business development, the state can provide commercial real estate, special equipment or land plots.

How to get a subsidy

Receiving government assistance is far from easy. Help in obtaining subsidies for small businesses is a complex and rather long journey. Law Russian Federation allows you to turn to the state for help - to receive a subsidy for every person who does not have a job and is registered with the labor exchange. To receive a subsidy, you must first of all draw up a detailed report, which will describe point by point where the money will be spent if it is received. The report must also indicate what kind of business activity you plan to engage in. In addition, you must make sure that the report contains information about what equipment will be purchased with the money received, who will supply raw materials, consumables, etc. And the last thing the officials will require from you is to draw up a report that will indicate the approximate cost of your entire project. In the report with the cost of the project, you need to take into account your capital and the subsidy itself.

If you do not have enough funds of your own to start a business and you simply need government assistance in the form of a subsidy, then you must approach this issue very carefully and prepare well. All your reports, in fact, like the entire project as a whole, will be considered by a special commission consisting of officials. If there are inaccuracies in your plan or it is not detailed, you will most likely receive a refusal without the opportunity to make amendments. Therefore, initially take this issue seriously. Officials do not forgive mistakes.

If your project receives approval, then you will need to open an account in any bank in the Russian Federation. You will receive a subsidy for starting a business in this regard. After receiving financial support from the state, you must immediately register with the tax office for subsequent control of your business activities.

After your project is approved and you are given a certificate of receipt of the subsidy, you will need to deregister with the employment service. To do this, you will need to bring there a passport, again a business plan and the application that you submitted for a subsidy. After this, an agreement will be concluded between you, an already registered legal entrepreneur, and the state. After signing the agreement, after 30 days you will receive the subsidy in your bank account, which was mentioned above.

What are the reasons for refusing to subsidize your project?

Let's consider the reasons for refusing to subsidize your business plan. Most often, it happens that a person who wants to start his own business, in an application for government assistance, indicates some type of activity that is not subsidized by the state. Such business plans include: a business plan related to the gambling business, a plan related to lending or insurance. Also, a business plan that involves any banking services will also be rejected by officials.

If you ask the state for a subsidy to start a business that is too large, officials may greatly reduce it. Often such applications are rejected by officials.

The service, which subsidizes small businesses, reviews applications within half a year. Therefore, it makes sense to submit applications to several services at once. Moreover, one service may refuse to issue a subsidy, while another may approve the business plan.

Another reason for refusal: inaccuracy, lack of necessary details in the business plan. Also, if your project, when reviewed, provokes many questions, you will most likely be rejected. Government agencies that will analyze the projects of start-up entrepreneurs must be sure that you will use the subsidy received for its intended purpose. Therefore, your project must be completely transparent. Otherwise you will receive a refusal.

If your project involves going beyond the Russian Federation and implementation in another country, it will be rejected. Also, an entrepreneur who has already received a subsidy once cannot apply for a new subsidy. The subsidy is issued once.

Let's consider the question: how to get a business subsidy. To prevent you from encountering problems related to subsidizing your business in the future, do not forget to familiarize yourself with all the nuances of subsidizing small businesses.

Main distinguishing feature subsidizing small businesses is observed in the fact that government assistance in the form of a subsidy is given free of charge, that is, the money received will not need to be given anywhere. The goal of the state is to strengthen the Russian economy by obtaining new jobs, therefore it gives money to beginning and existing entrepreneurs completely free of charge.

What you need to know about subsidies

Every person who wants to realize his business and resorts to the help of the state by taking a subsidy must understand and be aware that by doing this he is assuming obligations that he must fulfill in accordance with the contract. Otherwise, this could all end badly. The main obligations that a person takes on his shoulders include the following: timely provision of a report to officials on money spent (the amount of all checks must be equal to the amount of money spent), provision of a report on purchases of this or that equipment, etc. You must submit all reports to the tax office within 90 days from the date of subsidizing your new business.

To provide in tax office report on your business activities, you must draw it up exactly with the points of your business plan. If the person to whom the subsidy was issued is unable to provide a detailed account of the money spent and the equipment purchased, then he will be required to return the entire subsidy amount. Therefore, initially collect all receipts in a separate folder so that not a single penny is lost.

Among other things, you must not forget that, due to the terms of the contract, you will be required to work in your line of business for at least one year. This was done by the state in order to exclude the emergence of various companies that initially do not intend to work for a long time - fly-by-night companies.

What can the subsidy be spent on?

In order for a person starting his own business to initially be able to competently manage the money he receives, he needs to know that the state has limited the list of purchases that a novice businessman can make.

At this point in time, budding entrepreneurs are allowed to spend money on the following acquisitions:

purchase of machines, working equipment, etc.

For 3 years you will not have any rights to sell the purchased equipment, since it will be taken into account by the tax authorities;

to rent any premises, you have the right to spend only 20% of the total amount of money;

with money issued by the state to start-up entrepreneurs, you can purchase licensed software;

you can purchase the necessary licenses;

You can spend 20% on consumables.

To realize their business, budding entrepreneurs will be helped by government subsidies for the development of small businesses. This government program is good because it allows people who want to start their own business to do so. To do this, it helps start-up entrepreneurs and subsidizes all of them starting out. The state itself receives from small businesses the strengthening of the country's economy. That is, as you can see, this is not completely free help. The state receives in return the implementation of its own ideas - improving the country's economy.

The benefits of subsidies for small businesses

Subsidizing the projects of start-up entrepreneurs is also useful because the quality of Russian goods improves as a result. This happens because new firms appear. And the emergence of new companies provokes existing entrepreneurs to improve the quality of service and goods in order to retain customers. Otherwise, buyers may go to other entrepreneurs for purchases.

For financial support, it is more convenient for beginning businessmen to turn to the state for help. The main difference between the state program for subsidizing small businesses and other types of financing their undertakings is the gratuitous nature of subsidies. That is, unlike other types of financing, nothing needs to be repaid.

Amount of state aid in different regions accommodation is different. This is due to the fact that prices for products and things in different regions are also different.

What's difficult about getting a subsidy?

The main difficulty in obtaining government assistance in the form of subsidizing small businesses is that the subsidizing itself does not occur by order - subsidizing occurs on a competitive basis. The state carefully reviews the applications of everyone who wants to start their own business and only approves best projects. When considering applications, officials, first of all, pay close attention to the region of residence and factors in various areas of business activity.

Detailed instructions for receiving government assistance

Let's consider the question: how to get subsidies for small businesses in 2016. Subsidizing small businesses is aimed, firstly, at reducing the unemployment rate in the country. Therefore, mainly only the unemployed can receive a subsidy.

Desire alone is not enough here. First, you need to carefully prepare for this issue. Next, to receive government assistance, follow these 3 steps:

1. first register - register with the labor exchange;

2. then submit an application for consideration of your project at your place of residence;

3. make a project.

In the project, indicate the type of activity you want to do. Please also indicate what equipment you need and what kind of premises. Indicate the costs and expected profits from your new business in a separate document.

After preparing everyone necessary documents take them to the employment office. There your project will be considered. If you receive approval for your project, you will be called to appear again. At your return appearance, you will be notified of all clauses of the contract and informed that violating the terms of the contract is strictly prohibited. After this, you will have to open an account in any bank. This account will receive funds to open your business.

As can be seen from the above, organizing your own business and starting your own business is not particularly difficult - it can be done. Every unemployed person can receive subsidies to start a business. There are, of course, certain difficulties in obtaining a subsidy, but getting state aid Can. To avoid going bankrupt, subsidies for business development will help you. Government agencies help beginning entrepreneurs.

Main positive characteristic subsidizing small businesses for the state itself means reducing the country's unemployment rate; for a beginning entrepreneur it means free of charge. This, in turn, allows all unemployed people to get a job. As can be seen, subsidies are good program, which is useful not only for beginning entrepreneurs, but also for the state itself.

The number of starting businessmen is steadily increasing every year. Increasing their number has a positive effect on economic indicators country as a whole and meets the ever-growing needs of the population.

Financial support from the state contributes to the emergence of new small and medium-sized businesses. The authorities of a particular region are trying to introduce ways to help: various benefits, subsidies, as well as material payments. How to get such support? Let's figure it out.

Which entrepreneurs can count on help from the state?

The state mainly provides financial support to small and medium-sized business owners. To find out if your company falls into this category, you should pay attention to the number of employees and annual turnover. The following types of enterprises can count on money from the state:

starting business(up to 15 people on staff with an annual turnover of up to 120 million rubles);
small business(up to 100 people on staff with an annual turnover of up to 800 million rubles);
medium business(up to 250 people on staff with an annual turnover of up to 2 billion rubles).

To receive assistance, companies must meet the following requirements:

duration of existence from the moment of opening - no more than 2 years;
the company is registered with the tax service;
SME is not a tax debtor.

Important: the chances of funding are much higher for businessmen who have social benefits and also own a social or export-oriented business.

Remember that the state provides support to entrepreneurs whose areas of activity are among their priorities. To apply for gratuitous assistance, a businessman must work in one of the following areas:

Manufacturing of consumer goods.
Popular trends in folk art.
Offers of rural and ecological tourism.
Housing and communal services.
Agro-industrial department.
The field of science and technology, as well as innovation activities.

How to get help from the state for the development of small businesses in 2019?

The main advantage of receiving such a subsidy is that it is free of charge and does not need to be repaid after a certain time. The state benefits from this, as a new small enterprise appears on the economic map, providing jobs to citizens, and competition with existing companies increases, which helps improve quality and stabilize prices.

But along with concluding a subsidy agreement, the entrepreneur agrees to fulfill some obligations. The main one is to provide detailed reporting.

Within 3 months from the moment of receiving funds from the state, a businessman is required to submit a report to the Employment Center with documents on the use of the subsidy. As confirmation, sales or fiscal receipts, receipts, paid payment orders and other documents can be provided. The financial report must be consistent with the paragraph of the business plan that indicates the purpose of obtaining capital.

Important: if a business operator cannot provide confirmation, he is obliged to return the subsidy funds to the state in full.

Also, the terms of the drawn up agreement stipulate that the activities of the financed small enterprise must last at least one year from the time of opening. This eliminates the possibility of cooperation with fly-by-night companies.

Help can be obtained from many authorities and organizations that have the necessary powers. Here are some of them:

City administration. The Economic Development Division provides information on types of financial support for small businesses.
Chamber of Commerce and Industry. This institution provides assistance in consultations on business, marketing, legal issues, and helps to take part in exhibitions.
Entrepreneurship Support Fund. Based on the results of the mandatory assessment of the submitted project, the organization allocates funds for the activities of the small enterprise.
Business incubator. This organization provides infrastructure support for the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
Venture fund. Mainly focuses on innovative projects, subsequently invests money in their activities.
Employment Center.

Interesting: if your business project is socially or economically beneficial for the state, you can receive not only money for its implementation, but also free training, the right to take part in exhibitions, etc.

After contacting the above authorities, you will receive a list of necessary documents. Here are the papers included in this list:

Passport and TIN of the entrepreneur.
Insurance certificate (SNILS).
A certificate from the accounting department of the last place of official employment, which contains information about the salary for three months before the completion of work.
Document confirming the availability of education.
Application from a program participant to receive financial support from the state (using a specially approved form).
Ready business plan.

Money from the Employment Center

The most common way to get help among entrepreneurs is to contact the Employment Center. How is this procedure done?

The first step is to register with the Employment Center and obtain unemployed status. This is a prerequisite, since the state allocation of funds is only available to those entrepreneurs who are registered as unemployed citizens. To do this, you need to have the following documents with you:

passport of a citizen of the Russian Federation;
work book;
document on marital status;
document on education.

Then you need to draw up a business plan With detailed description project, targeted distribution of funds and indication of its payback period. The third step is registering the business as an individual entrepreneur.

The regional commission reviews the package of documents within 60 days. If a positive decision is made, an agreement will be concluded between the applicant and the Employment Center, and the funds will be transferred to the recipient’s account. The commission may decide to reimburse only certain expenses, such as registering and opening a small business. If the applicant receives a denial notice, he can try again.

Grants for new businessmen

This type of allocation of funds from the state involves assistance to beginning businessmen to open a business and to those who have been engaged in entrepreneurial activity for no more than two years. The following organizations have the authority to distribute grants:

Department of Economic Development.
Funds to support small and medium-sized businesses.
Unions created by entrepreneurs.

A prerequisite for receiving a grant is the activity of a small enterprise in one of the priority sectors indicated above.

According to government legislation, companies that produce wine and vodka products, tobacco products, luxury goods, work with real estate or engage in gaming activities do not receive payments.

Remember that the allocated money is used to cover 30 to 50% of the total cost of the project. A businessman should look for the remaining finances for business development on his own. Don't be afraid of investment, it can be.

The entrepreneur must provide the following documents:

Documents confirming the absence of other sources of financial support.
Certificate of registration of individual entrepreneur or LLC and business plan.
Bank statement about the amount of your own finances.
Certificate of positive credit history.

The Industry Commission then decides on the provision of funds. Maximum size cash grant is 500 thousand rubles (in Moscow and the region - up to 5 million rubles).

The state's priority is the unemployed, young entrepreneurs, former military personnel, families with young children, etc.

Subsidy program

State plans to subsidize small businesses are implemented at different administrative levels. Therefore, they can be systematized according to the scale and amount of funds allocated:

Federal programs. They are sold nationwide and are also characterized a large number allocated money for financial support for the opening and development of SMEs. Distinctive feature is also the fact that such programs work mainly with large-scale business projects whose owners are already conducting commercial activities.
Regional programs. They work in the territories of administrative regions and manage the regional or district budget. The purpose of such programs is to develop the infrastructure of an entire region.
Local programs. The scale of implementation is working with city or regional entrepreneurs. Subsidies are limited to small amounts of funding.

The size of the assistance received, the form of its provision, as well as the list of necessary documents for completing the application depend on the features of the state program. The larger the scale of the program, the higher the competition and the more stringent the selection rules. A small business owner should take this into account.

Preferential lending

Categories of small and medium-sized commercial entrepreneurs who are unable to obtain material support from the state, they can apply for preferential loans. Many banks provide such loans on simplified terms. As indicated, the likelihood of opening a loan with a favorable interest rate is higher for those who are engaged in activities that are a priority for the state.

Advice: If you have any questions regarding assistance, you can contact banking institutions or credit communities directly, as they also have lending programs for beginning businessmen.

The applicant receives a loan as a one-time cash payment in the amount of 50 million to 1 billion rubles. After signing the contract, the preferential program is valid for 3 years. A prerequisite is also investment and investment of the businessman’s own funds in the project. Their number is determined as follows:

20% if the loan amount is more than 500 million rubles or if repayment of the loan is planned from future income expected after the start of the business project.
There are no restrictions if funds are allocated for other investment plans.

The interest rate for use varies depending on the format of the enterprise. This is 10% per annum for medium-sized enterprises and 11-11.8% for small ones.

What can you use money from the state for?

As mentioned above, the subsidizing process is the free issuance of funds that facilitate the opening and favorable development of a business. Concessional lending and other assistance programs also have simplified conditions and reduced interest rate. At the same time, the use of financial support from the state is accompanied by documentary reports to confirm intended purpose. The allocated money can be spent on the following:

Payment for rent of a place or plot of land (no more than 20% of the principal amount is allocated to cover these expenses).
Replenishment of working capital.
Equipment for workplaces.
Purchase of equipment for production (purchased machines cannot be sold or exchanged for three years).
Purchase of consumables (the same rules apply - no more than 20% of funds received).
Work related to repairs and opening.
Intangible assets.

The entrepreneur draws up an annual report, which indicates what exactly the subsidy income received was spent on. It is also necessary to submit certificates and receipts to the control authorities.

Intangible options for supporting small businesses

Nowadays, the state is ready to help beginning businessmen of small and medium-sized enterprises not only by increasing their capital. There are several other forms of support:

Opportunity free training . Why do many entrepreneurs, when faced with problems, leave business in the first years of activity? They simply do not have the necessary knowledge about running their business. Such educational skills (for example, how to lead) help in development, but are expensive, so not everyone can get them. The state provides starting businessmen with the opportunity to study courses for free, as well as attend various seminars and lectures. The applicant is obliged to submit the relevant documents to the necessary authorities: paid bills, certificates of completion of training or concluded contracts. The payment will cover half of the expenses, but in an amount not exceeding 40 thousand rubles per year.
Reduced rent. Another support option is discounts on the cost of renting premises where offices or production are located. Remember that you can only get such a discount if the building is municipal property and the lease agreement is concluded for a period of more than 5 years. Every year the preferential rate increases (from 40 to 80% of the rent), and for the subsequent period the entrepreneur pays the full rate. A prerequisite is a competitive selection to determine a worthy candidate. The winner receives additional assistance to pay for communications.
Compensation for participation in exhibitions. To popularize and further develop, small business owners can take advantage of subsidies to participate in national or international exhibitions. Based on the selection results, the state can help cover the costs of registration, rental of space, transportation of exhibits, accommodation, organization and translation services. If the state aid amount does not exceed 150 thousand per year, you can pay up to half of the costs. Mandatory conditions for receiving compensation for a small business: an application, an agreement with the organizers and a report on the work performed.

Let's sum it up

The advantage of financial support programs is the possibility of increasing capital small companies. Since the state is interested in the development of small enterprises, the likelihood of receiving financial assistance is constantly growing. This is a good chance to start.

On the other hand, concluding an agreement with the relevant government agencies obliges entrepreneurs to submit detailed reports and monitor the intended use of funds. Therefore, every businessman should study the features of existing support programs and the requirements for them. Then he will be able to make the most of the assistance and fulfill his obligations.