Grants for the development of entrepreneurship. Under credit and leasing agreements. Subsidy for business registration

09.10.2019

An important part economic policy RF is a state business assistance program. This program is aimed at financial support for all small and medium-sized businesses. It has been operating for more than a year, but not all aspiring entrepreneurs know how to get a subsidy to open or develop their own business. How to get a subsidy for small businesses, what assistance is provided to small businesses under various government programs, how much money an individual entity can receive entrepreneurial activity according to state programs - read on.

To support start-up entrepreneurs, the government organizes state programs to help young enterprises. You can get a subsidy for starting a business under two main state programs: federal and municipal. Various government departments (Ministry of Agriculture, Ministry of Education and Science, Ministry of Economic Development) also have their own subsidy programs for entrepreneurs and to support new organizations in their respective sectors of the economy. Sometimes it is possible to provide individual assistance to small businesses for some of its subjects at the discretion of the regional authorities, but this is not the main goal of the program.

There is a special program of the Ministry of Economic Development for new entrepreneurs Russian Federation to provide, to open new businesses and support new entrepreneurs. The maximum amount of a subsidy for starting a business under this program is 58,800 rubles - this is an annual amount. Such a small support can be received by every adult citizen of the Russian Federation who is recognized as unemployed, and is also registered with the Employment Center.

Any business entity has the opportunity to receive a special government grant- Receiving grants for the development of small businesses. The maximum grant amount is no more than 300,000 rubles. The terms of the grant under the Startup Entrepreneurship Assistance Program differ by region; an enterprise that has existed for no more than two years and has not previously received such support can count on such support. financial assistance from the state.

The state program of a small partial return of interest on a loan is especially popular with some organizations. There is another similar state program - providing subsidies for reimbursement of leasing costs. In order to receive assistance under these programs, an enterprise must meet a number of conditions, and the debt must not exceed three months before the date of application. The maximum amount of assistance under the loan interest reimbursement program is 5,000,000 rubles.

The basis state support private entrepreneurship in our country are programs for financing enterprises from the state budget, designed for start-up entrepreneurs, designed to help develop their own business. According to them, any entrepreneur in Russia can count on various support measures, for example, free of charge for small businesses.

A subsidized entrepreneur is obliged to draw up regular reports on the expenditure of targeted funds from the budget, and in case of their misuse, he must return them to the state.

Grant to start your own business

A future entrepreneur can receive financial support from the state to open an individual entrepreneur. To do this, he needs to be registered with the CZN, obtain the status of an unemployed person, write, and then submit to the commission a special plan for the development of the future enterprise drawn up in advance. After that, it is required to register a legal entity and conclude an agreement with the Employment Center to provide a subsidy when opening an IP. Receiving a subsidy for individual entrepreneurs and providing state assistance when starting a small business is possible only if the labor exchange cannot provide a citizen suitable job and he is already receiving the appropriate cash allowance.

Required documents for registration as unemployed:

a statement about the need for state assistance to find a job;
passport or temporary identity card of a citizen of the Russian Federation;
certificate, diploma or other document certifying professional qualifications;
work book (except for citizens who have not previously worked anywhere);
certificate of earnings for the last three months before dismissal.

The business development plan consists of a description of the scope of the enterprise, a list of the basic principles of the future enterprise, justification for the expediency of opening new organization. And also: a detailed strategy for the development of this organization, a forecast for payback, an estimate of resource costs, a spending plan for the first three months of those targeted funds that were allocated to the entrepreneur under the subsidy program. Receiving subsidies for entrepreneurs from the Employment Center involves the creation of jobs, so the plan must necessarily include the estimated number of newly created jobs.

The received subsidy for opening a small business implies the targeted spending of funds allocated for opening an IP. The project of using government assistance to create a new SPD must have a social orientation, must be socially useful and cannot engage in activities in the following four areas:

banking, loans - banned;
you can not engage in the mining industry;
financing of gambling activities is prohibited;
production and sale of excisable goods is unacceptable.

The Employment Center provides consulting support to start-up entrepreneurs, conducts seminars on the basics of entrepreneurship, helps them in legal matters, provides funding for newly created enterprises, reimbursement of registration costs, even provides businesses with workers from among unemployed citizens. The main goal of the program is the employment of citizens who are already unemployed and the creation of new jobs.

Grants for the development of an existing enterprise

You can get a subsidy for starting a small business, as well as the development of an existing small business, through regional state programs for the development of entrepreneurial activity. Target funds are distributed through a competition between different organizations. The money should be used for the development of the organization, but not for the conduct of its current activities. The requirements to be met in order to receive a small business development subsidy are: the enterprise must have been operating for less than two years, must have no more than 250 employees, and must not have tax debts. Funds from the subsidy for starting a small business and from a subsidy for business development must be used within one year, unused funds must be returned to the budget of the city or region.

Your local Department of Small Business Development will help you get a small business grant. An entrepreneur must provide a full package of documents, take part in a state competition, prepare and defend a project plan for spending the received budget funds.

Package of documents:

Statement on the need for assistance in the development of small businesses;
Passport or other identity document;
Completed Entrepreneur Application;
Copy of certificate of state registration, founding documents;
Certifications required to conduct business in a particular industry;
Certificate from the tax office on the absence of debt;
Financial documentation on the current activities of the organization;
Prepared business plan.

In 2017, the program of the Ministry of Agriculture of Russia "Support for novice farmers" is in effect, according to which organizations in the industry Agriculture can expect to receive a subsidy for small businesses from the state in the amount of up to 3,000,000 rubles. To participate in the competition for such a program, it is required to provide the same package as for receiving a grant for the development of an existing organization in other sectors of the economy. The competition is run by the local Ministry of Agriculture. The purposes of spending budgetary funds can be:

Acquisition of machinery, inventory, animals, raw materials, seeds, fertilizers;
Lease of land, purchase of land;
Construction of buildings, repair of premises;
Construction of roads, infrastructure facilities, redevelopment of the territory.

A grant is a state financial assistance to business provided free of charge to business entities that have existed for less than 24 months, meet the criteria for issuing state subsidies for small businesses, have no debt to the state and have not previously received subsidies for start-up entrepreneurs.

The purpose of the program is a one-time subsidizing of small businesses on a competitive basis in order to develop a particular enterprise.

Other SPD Support Measures

Assistance to small businesses from the state is not limited to monetary support alone. In addition to direct subsidizing of business entities, assistance is provided to entrepreneurs in various other forms of support. State bodies can help new entrepreneurs with preferential rental of premises and purchase technical means, provide entrepreneurs with government contracts, as well as infrastructural, accounting, legal support for those who need it.

Since 2015, the Federal SME Corporation has been implementing a state program to support entrepreneurs. This state program is designed to help beginners individual entrepreneurs create new businesses. It provides information and methodological support to all start-up entrepreneurs, organizes investment programs and provides an opportunity to start a business.

AT different regions There are programs to help small businesses. In addition to direct subsidies under federal state programs, municipal authorities in different regions organize their own state programs to support enterprises.

An approximate list of regional support programs for small businesses:

Types of state programs	Name	What assistance is provided
General	Assistance program for socially vulnerable citizens	You can get a subsidy for starting a small business with a maximum amount of up to 1,500,000 rubles
General	Youth Entrepreneurship Development Program	Consultations, trainings, a subsidy for a start-up entrepreneur up to 250 thousand rubles
Clusters	Technoparks and technopolises	State assistance to small businesses, support for science-intensive projects
Clusters	Territorial clusters by sectors of the economy	Implementation of innovative projects
Funds	Regional business support	Business development in the region
	Guarantees and access to credit	Available loans to start a business
	Venture investment and equity fund	Organization of exhibitions, transfer of enterprises to joint-stock companies, search for investors

The exact list of regional programs of the state for the development of entrepreneurship should be clarified with the local Department of Entrepreneurship Development. The list is constantly changing, and is also strongly tied to the characteristics of the region. For example, in the south of the country more funds are allocated to support farmers.

The issuance of subsidies for small businesses from the state occurs not only under federal programs to help new business entities, but also under many regional programs. In addition to a subsidy for small businesses, it is also possible to receive other forms of assistance in starting a business and subsequent development of the enterprise. Individual corporations and foundations also provide SPD through their own entrepreneur support programs.

According to the entrepreneurship development program, 7 billion rubles were allocated in 2017, and this money was directed from the state to the development of small businesses in our country. Any small business can receive support under these programs.

The general goals of all state programs to support entrepreneurship are: providing conditions for the development of entrepreneurial activity, reducing unemployment, reorienting the economy to increase the share of small business in overall structure economy.

Assistance to start-up entrepreneurs from the state is carried out by providing subsidies for business. In addition, there are also other assistance to small businesses from the state.

Promises of all kinds of support to small businesses from high tribunes are often not taken seriously by this very small business. Indeed, officials and business speak different languages: bureaucrats consider the provision of information support and the reduction of various administrative barriers (which they themselves often create) to be real help, but for the people of business there is nothing more real than a specific amount of money received on the current account.

In fairness, it must be said that despite many conventions, small businesses in Russia can operate under a gentle tax burden (special tax regimes for the simplified tax system, UTII, PSN, UAT). The adopted one implies an even greater reduction in the tax rate for the simplified tax system and UTII, the expansion of activities for PSN and tax holidays for individual entrepreneurs engaged in the service sector (in addition to those).

And yet, such support measures are just an opportunity to give the state a small part of the profits in the form of taxes. Well, what if there is no profit yet, but there is only an idea, for the implementation of which there is not enough own finances? Is it possible for an entrepreneur to receive “real money” from the state free of charge? For those who doubt, let's say right away - absolutely real, but, of course, subject to a number of conditions.

Now subsidies for small and medium-sized businesses are provided in accordance with Government Decree No. 1605 dated December 30, 2014. This is not the first document regulating the receipt of gratuitous financial assistance from the state, on the basis of which various regional assistance programs were developed. The extent to which state support programs will be implemented in your particular region depends on the activity of local officials.

Types of state support

All programs to help entrepreneurs are divided into:

federal all-Russian;
departmental (from the Ministry of Education and Science, the Ministry of Agriculture, Vnesheconombank, the Ministry of Labor);
regional (taking into account the direction of development of the region).

The specific amount of federal funding for these purposes is calculated using complex formulas given in Decree No. 1605, but we are, of course, interested in how much Money and what an individual entrepreneur can get. The types of support and the amounts vary by region, let's take aid programs in Moscow as an example.

SUPPORT DIRECTION	PROGRAM TYPES	MAXIMUM AMOUNT
Entrepreneurship support measures	Subsidies for start-up entrepreneurs	500 000 rubles
	Subsidies for reimbursement of part of the costs under financial lease (leasing) agreements	5,000,000 rubles (but not more than 30% of the value of the leased asset)
	Subsidies for reimbursement of interest on loans	RUB 5,000,000 (no more than the refinancing rate for three financial years)
	Subsidies for reimbursement of part of the costs associated with participation in congress and exhibition events	300 000 rubles
Industry support measures	Subsidies to employers for the training of specialists with secondary vocational education	90,000 rubles per person per year, but not more than 75% of the actual costs incurred
	Subsidies to reimburse part of the costs associated with obtaining an international certificate	40% of the costs, no more than 1,000,000 rubles
	Subsidies to reimburse part of the cost of paying lease payments	25% of the costs, but not more than 100,000,000 rubles
	Subsidies to reimburse part of the cost of paying interest on loans and borrowings	up to 200,000,000 rubles
	Subsidy to the managing organizations of technopolises and industrial parks for the development of the property complex	up to 300,000,000 rubles
Measures to support science and innovation	Subsidies to reimburse part of the costs of equipping and operating youth innovation creativity centers	10,000,000 rubles from the city budget, but not more than 60% of the total costs
	Subsidies for reimbursement of part of the costs associated with obtaining admission of securities of small and medium-sized businesses operating in the innovation sector to trading on the innovation and investment market of the stock exchange	up to 5,000,000 rubles
	Subsidy to the managing organizations of technoparks for the development of the property complex	up to 100,000,000 rubles
	Subsidies to reimburse part of the costs associated with the organization or expansion of production based on the introduction and industrial development results of scientific and technical activities	no more than 20,000,000 rubles
	Subsidies to organizations that form an innovative infrastructure in the city of Moscow in order to reimburse part of the costs associated with the creation, development and (or) modernization of their material and technical base	up to 100,000,000 rubles

In addition, to help entrepreneurs in Moscow created:

Microfinance Development Assistance Fund;
Fund for Assistance to the Development of Venture Investments in Small Enterprises in the Scientific and Technical Sphere of the City of Moscow;
Foundation for Assistance to the Development of Small Forms of Enterprises in the Scientific and Technical Sphere.

Who can receive subsidies

State assistance will be denied if the entrepreneur provides credit or insurance services, engages in pawnshop activities or works in the gambling business. Financial assistance is also not provided to those who extract minerals, sell excisable goods, or are non-residents of the Russian Federation.

The requirements for obtaining subsidies depend on the focus of the support program, for example, in Moscow for subsidies for start-up entrepreneurs, these are:

since registration legal entity or an individual entrepreneur must have passed no more than 2 years;
the applicant must meet the criteria for a small and medium-sized business entity (No. 209-FZ of 07/24/2007);
the applicant for a subsidy must be registered and tax registered in Moscow and not have overdue debts in paying taxes, fees and other obligatory payments;
the subsidy is issued as part of co-financing, that is, the applicant must have at least 50% of the amount required for the implementation of the project in the form of own funds.

The procedure for obtaining a subsidy

The conditions for granting subsidies may vary slightly by region, but general principles are the same: competitive basis; serious documentary evidence of the application; state control over the spending of funds received.

The control over the spending of a donated subsidy consists in reporting on its intended use and achievement of indicators in accordance with the declared business plan. If it is found that the recipient of the subsidy has spent it inappropriately, A decision will be made to return the amount received within 10 days.

The step-by-step procedure for obtaining state co-financing in the city of Moscow is as follows:

Contact the district branch of the State Budgetary Institution "Small Business of Moscow"
Prepare a set of documents in accordance with Decree of the Government of Moscow dated June 1, 2012 No. 254-PP
Submit an application to the nearest branch of the State Budgetary Institution "MBM"
Defend the project at a meeting of the Industry Commission of the DNPiP
Find yourself in the minutes of the meetings of the Industry Commission
Conclude an agreement with DNPiP on the provision of subsidies
Provide reporting to the State Budgetary Institution "MBM"

And finally last question- Is it really possible to get real amounts of money in the form of a subsidy after going through all the bureaucratic procedures? Yes, you can, and in support of this, we present data from the minutes of the meeting of the industry commission for the allocation of subsidies in Moscow dated November 19-21, 2014:

accepted applications - 163;
received subsidies - 50 applicants;
the amount of subsidies - from 39 to 500 thousand rubles, and 9 applicants received the maximum possible amount (500 thousand rubles).

So, be persistent, and if your idea is really worthwhile, you have a chance to receive half a million rubles from the state free of charge.

Starting your own business requires a significant financial investment from the entrepreneur. However, not everyone has enough money to start a business. Therefore, entrepreneurs need help, including material. The state seeks to support small businesses by providing subsidies for individual entrepreneurs in 2019. It is important to know when and how much money you can get free of charge to organize and develop your own business.

Types of state aid

Assistance to individual entrepreneurs from the state is provided in several forms: financial, property, informational, infrastructural.

You can count on the following types of financial support:

funds from the employment center;
grant for beginner entrepreneurs;
concessional lending;
subsidizing.

Funds for opening an individual entrepreneur through the employment center are allocated in order to combat unemployment and maintain self-employment. Such assistance is a one-time financial support in the amount of sixty thousand rubles. These funds can be spent exclusively for organizing your own business. If a businessman plans to employ one or more employees in his activity, the amount of the subsidy increases in proportion to the number of employees hired.

For start-up businessmen, special funds can compensate up to five hundred thousand rubles spent on creating entrepreneurship. Grants are traditionally allocated for development in those sectors that are significant for the state. Today it is agriculture, innovations, education, spheres of social importance and other areas.

Concessional lending involves the issuance of loans to individual entrepreneurs at rates that are lower than in banks. Today they are 11% per annum. You can get up to one billion rubles for a period not exceeding three years. It should be borne in mind that only those individual entrepreneurs who have been successfully operating for more than 6 months can count on preferential loans. At the same time, the entrepreneur should not have outstanding debts, spoiled credit history.

Subsidizing IP involves the issuance of funds for specific purposes. In this case, you can count on state assistance to reimburse part of the interest on the loan, overpayments and the first installment for leasing, training and advanced training of workers.

Regardless of what the small business support scheme will be, subsidies are issued only after going through a difficult procedure. First of all, you will need to develop a business plan and provide well-written documents. When assistance is allocated and spent, it will be necessary to document the directions of spending the funds.

Terms of receipt

Do not think that it will be easy to receive gratuitous subsidies for individual entrepreneurs from the state. In fact, you will have to carry out extensive and serious work.

After registering at the employment center and obtaining the official status of unemployed, an entrepreneur must go through the following steps:

choose a field of activity;
compose detailed business plan, in the final part, it is important to conduct an economic, as well as social justification of the significance of the opened business for the development of a particular region;
conduct state registration of entrepreneurship;
apply with documents prepared according to the list, an application, as well as a business plan to the relevant authorities.

The submitted application is considered by the commission. The duration of this process reaches sixty days. At the end of the consideration procedure, the commission makes a decision, which is sent to the entrepreneur by registered mail.

It is important to keep in mind that when receiving state support, an individual entrepreneur takes on specific responsibilities. First of all, they consist in submitting reports. Subsequently, the individual entrepreneur is obliged to provide a report on the expenditure of the funds received. At the same time, it is important to attach checks, payment orders, receipts and other documents confirming the direction of spending the funds.

When studying how to open an IP through an employment center, it is worth learning important rule. If a businessman cannot submit documents regarding the direction of spending the money received, he will have to return the subsidized funds to the state.

In addition, a business organized with state support must be carried out for at least two years. This condition makes it possible to exclude the financing of one-day companies.

Drawing up a business plan

A subsidy for opening an individual entrepreneur is issued only if a well-written business plan is provided. There is no established sample according to which such a document is drawn up.

However, there are a number of points that must be considered in a business plan:

The first part in without fail contains personal data of the entrepreneur. Here you should describe in detail the features of the chosen field of activity, explain why the chosen business is significant for the state.
The second chapter of the business plan contains a description of the project. It is important to pay attention to the activities with the help of which it is planned to achieve a specific amount of profit.
Of great importance when drawing up a business plan is the study of the market, as well as the niche that the entrepreneur plans to occupy in it. Here you will have to describe in detail the workflow, make a list of the necessary basic and working capital, bring the staffing table. In addition, this paragraph calculates the cost of the project, as well as the payback period.
At the end of the business plan, information about the anticipated risks is provided. It is important to foresee in what ways the entrepreneur will avoid them.

Only a well-designed plan can become the basis for obtaining a subsidy for organizing and developing a business. Without this document, no commission will consider the possibility of state support. It must contain real data and calculations, since after receiving the funds, you will have to spend them exclusively in accordance with this document. Subsequently, the costs must be documented. The Commission of the Employment Center (Employment Exchange) will check their full compliance with the business plan.

Where can I spend a subsidy for small businesses from the state

Assistance from the state IP is targeted. This means that there is a strictly defined list of areas where the money received can be spent. They should be followed both when receiving money for organizing your own business, and for its development.

Directions for spending the subsidy are necessarily reflected in the business plan. The entrepreneur cannot spend the funds at his own discretion.

Assistance to individual entrepreneurs can be aimed at solving the following problems:

Do not forget that the entrepreneur will have to report on where the provided funds were sent. That is why it is important to keep all supporting documents. It is necessary to carefully collect checks, transfer orders and other payment papers.

Reasons for rejection

Of great importance is not only the study of issues of how to get a subsidy. It is also important to know why public assistance may be denied.

There are several circumstances that can lead to a negative decision on a grant application:

In order to maximize the likelihood of a positive decision on the application for a subsidy, it is important to take into account all the reasons for refusal and try to avoid them.

Changes in 2019

In 2019, the main goals pursued by the support of individual entrepreneurs remain the organization of a new business, as well as an existing one. As before, this method of financing has the most important advantage, which is its gratuitousness. However, there are also serious drawbacks - the complexity of design, the need to make a huge amount of effort in the absence of guarantees of a positive decision.

This year, the government plans to introduce absolutely new system, which is based on the principles of a geomarketing navigator. For this purpose, more than 200 business plans were written, which characterize 75 areas of entrepreneurship. Such a system will help the individual entrepreneur decide which area and niche he should consider to create his own business. If the project is implemented, it will be an excellent support for entrepreneurs both in 2019 and in the future.

Other types of support that individual entrepreneurs can receive from the state in 2019 include:

lease of real estate favorable conditions;
the use of infrastructure that was specially created government bodies in order to develop entrepreneurship - business incubators, technology parks and other companies;
sale of property owned by the state at a reduced cost.

In 2019, it is planned to provide not only one-time financial assistance to individual entrepreneurs, but also to issue state grants. To participate in such subsidies, an application must be sent to the authorities involved in the distribution of funds.

Ministry economic development in 2019 is going to start using a qualitatively new register of small and medium-sized businesses. Its creation will take place automatically. If an entrepreneur is included in the new register, he will be able to count on subsidies issued to support small businesses.

State assistance can be an invaluable support in the creation and development of an IP business. It is worth considering this possibility, because the subsidy is gratuitous.

Are you young and have decided to start your own business, but no money? Or do you want to expand your business, and all cash flows settle in working capital and in case of extraction from it required amount business solvency will be shaken? The solution to this problem in 2018 may be grants for the development of small businesses.

Basic conditions for receiving a grant

This year, about 9.6 billion rubles are planned to be allocated from the Russian budget to support small and medium-sized businesses. It should be noted that this amount is significantly lower than in previous years. Therefore, in order to become a happy owner of financial assistance, you will have to make even more efforts. It must be remembered that you will be personally responsible for the misuse of funds.

If you decide to try your luck and apply for a grant, get ready that in order to receive a gratuitous investment financial support mandatory requirements must be met.

The conditions for obtaining and using a grant for the development of small businesses are as follows:

It is necessary to submit an application in which to indicate the goals and objectives of the activity.
In it is necessary to indicate the goals, objectives and the amount of additional financial injections. It should be noted that during the consideration of the project it will be impossible to correct the business plan.
When applying for a grant for the first time, do not go too far - indicate real numbers: ask for the bare minimum to make your business plan a reality.
Having an original project increases the chances of receiving funds by 50%.
Grant funds are received in tranches for each. And in some cases, goods come instead of money.
Every penny of sponsorship funds must be spent in accordance with their intended purpose.
In the process of project implementation, it is necessary to provide correctly completed reports in a timely manner, in accordance with the schedule.
In the case of a grant, you will need to pay income tax from the amount received.

Required documents

Each participant in the financial assistance program must prepare a package of documents for a future project before applying.

In order to receive a grant from the state, it is necessary to certain period prepare and submit for consideration:

table of contents;
summary;
introduction;
statement of the problem;
purpose and objective of the project;
methods for solving the tasks;
risk assessment;
budgeting amount;
applications and add-ons.

Be sure to include a cover letter with your application explaining why your project is important and worthy of support.

In the case of applying for a grant from private foundations, including foreign ones, additional documents may be required. Their list in each case is different - it is formed directly by the head of the grant.

Who can become the owner

When selecting participants in the small business support program in different occasions different criteria apply.

If financing is provided by a foreign fund, then the main thing for it is the full targeted use of funds in accordance with the approved business project. Therefore, as a rule, foreign sponsors are more willing to invest in business representatives who have previously received grants.

It is important for the state to provide employment and social protection population. Therefore, every year local authorities the authorities determine the priority areas of economic activity for their region. The state is most interested in the development of these particular industries, which means that it will be easier for entrepreneurs who have chosen the appropriate area of activity to receive a grant.

And if foreigners prefer to give money to experienced "players", then the state gives preference to beginners who need a confident start:

university graduates;
unemployed;
those who were laid off;
single mothers;
disabled people;
retired military.

For what purpose is allocated

According to statistics, 30% of entrepreneurs who received a grant are involved in the service sector, 20% in production, and only 12% work in trade.

It is easier to get a grant for the lease of premises, the purchase of fixed and working capital (purchase of raw materials and materials), if the project is equity (part of the estimated costs for the purchase of equipment is paid by the IP from its own funds, and the investor allocates the balance for the project).

Domestic funds, as a rule, refuse to allocate funds for the payment of salaries. Foreign sponsors to finance this item of expenditure are without objection.

When granting a grant for the development of small businesses, there is a clear difference between state and foreign funds in determining the priority areas of activity for which funds are allocated.

If support is needed in the field of production, agriculture, natural sciences and education, the state will willingly allocate funds.

Private domestic funds are ready to finance innovations in the field of economy and business. If you want to do research in the field of ecology, economics, democracy, culture and society, then you should apply to foreign funds for funds.

By the number of grants provided, the leading business projects for opening:

clearing companies;
training courses;
design bureau.

Where can I get

In 2018, many organizations are ready to provide a grant for the development of small businesses.

State represented by:

Private funds, individual investors and large businessmen-philanthropists:

Skolkovo Foundation– allocates from 5 to 150 million rubles for scientific developments in the field of biomedicine, nuclear, space and energy-efficient technologies. Grant applicants must:

Prepare a package of documents, which includes:

memorandum;
presentation;
project roadmap;
financial plan;
estimate and justification of the project.

Submit an application to the cluster, which, if approved, will go to the grant service to verify the accuracy of the information provided. After that, the application will be considered by experts and assigned points from 1 to 10. If the score is higher than 5, it will go to the grant committee, where the decision to issue a grant is made by voting.

Foreign organizations:

Microsoft Seed Fund. Bill Gates is ready to give up to $100,000 to startups – young IT companies that develop software or information storage systems. The main requirements of the fund are that an applicant for a grant must have a team of professionals, participate in the Microsoft BizSpark program and use the latest technologies Microsoft (Windows Azure, Windows Phone, Windows 8, Kinect).

In order to receive this grant, you must submit an application and be included in the list of participants. After that, you will have a phone / Skype interview, and then, if successful, you will be able to present your project at English language to members of the selection committee. The final stage will be a performance at the main office of the foundation.

Grants for small business development in Altai: Video

Many people dream of opening own business, which will subsequently bring a stable passive income.

However, often the desire to work for yourself is hindered by the need to attract start-up capital. Finding funds can be a big problem, because in order to get a bank loan, you need to collect a lot of formal documents and it’s not a fact that the manager will approve the loan.

Loans in microfinance organizations are an unprofitable source of financing for starting a business.

There remains the only option that anyone can use - this is a state subsidy for starting a business. Getting funding to open and promote a small business is a very real source. What should someone who plans to take advantage of the subsidy program know?

What is a small business subsidy?

"Subsidy for small business" is the transfer of a certain amount of money to a businessman.

At the same time, a businessman must clearly follow a predetermined plan for investing resources.

As a rule, government subsidies are provided free of charge and are non-refundable.

The main goal of state programs to support small businesses is to develop the country's economy by creating favorable climate to start your own business.

Should we expect real help from the state?

Answer to this question definitely positive. The state pursues its hidden interests by issuing subsidies. This is the creation of additional jobs, and general development the country's economy. It is not for nothing that well-known economists call small and medium-sized enterprises the "lungs" of the country.

The most convenient option for obtaining assistance from the state in starting a business is a subsidy on an irrevocable basis.

All support for small and medium-sized businesses is regulated by a single program for the development of entrepreneurship, which is approved by the Duma.

When applying for state aid, it is recommended to be guided by the points of this program.

Residents of rural areas have good chances to receive a subsidy for the development of entrepreneurship. For example, a very popular activity is breeding bees. Subsidies for such business are given almost unconditionally. It must also be remembered that a well-written business plan plays an important role in obtaining a subsidy for starting a business.

Varieties

How to get support for small businesses from the state? Today in the Russian Federation (hereinafter referred to as the Russian Federation) there are several types of subsidies for small and medium-sized businesses.

Their main difference lies in the intended purpose of funds.

State assistance is provided strictly in the specified areas of activity for specific purposes. Thus, the state develops a sphere that is beneficial to it in the short or medium term.

Programs to support small businesses are also not the same for different regions of the Russian Federation. The main document that defines targeted support for industries in the region is the federal law on small business development.

The most common subsidy programs are cash transfers for the opening and development of a business.

How to get government assistance?

State subsidies for start-up businessmen are issued by various self-government bodies.

There are subsidies that are issued to unemployed citizens at the Employment Centers at the place of residence or registration.

If a person registers at the Labor Exchange as unemployed, then he has every right to one-time state assistance to open his own business.

However, obtaining this type of subsidy requires preliminary preparation of a business plan with detailed description the project for which funds are taken and the subsequent provision of a report on the expenditure of money.

The issuance of targeted subsidies for starting or developing a business is carried out by the Centers for Supporting Small and Medium Businesses, which operate in each region. As a rule, these state institutions are closely connected with the system of municipal self-government.

To receive a subsidy for opening a business, you must register at the Employment Service at the place of registration.

After that, a citizen who applies for a subsidy must write an application. The next stage is the preparation of a project plan with the calculation of the payback period and the overall profitability indicator. The business plan is considered at a special meeting of the commission.

If the business plan meets all the criteria, then the Employment Center gives a positive decision regarding the issuance of a subsidy. After the approval of the terms for the payment of funds, the recipient of state assistance to small businesses is obliged to register an individual enterprise. The subsidy is transferred upon the fact that a citizen of the Russian Federation provides documents on state registration of a business.

To receive a subsidy for the development of an already operating enterprise, its owner must provide documents. The subsidy is issued only for individual entrepreneurs and LLCs.

There are also some separate programs for issuing subsidies for individual entrepreneurs in different regions of the Russian Federation.

The age of the company under which state aid is issued should not exceed one year (for some programs - two years).

If the company operates in a priority area for the region, then the receipt of a subsidy is 100% guaranteed. In all other cases, officials may reject the application for a subsidy. Priority areas of activity are often published on the official websites of individual regions of the Russian Federation. An entrepreneur who has received a subsidy is obliged to use the funds strictly for the intended purpose with the provision of an expense report.

The standard goals for using state aid are as follows:

payment for components and raw materials for the production of products;
purchase of equipment and Supplies to him;
purchase of programs, production technologies or patents, as well as other types of intangible assets.

Almost always, the period of use of funds under subsidies is limited to two years from the date of their issuance. However, there may be exceptions in some cases.

Most grant programs have required condition, which consists in the businessman investing his own funds (a certain percentage of the subsidy amount) in the business. For example, the recipient of a subsidy must invest at least 45% of the amount of state assistance in starting his business.

The specific ratio of attracted and own money is set for each federal program separately.

Some enterprises in Russia, despite the form of their activity, cannot qualify for state subsidies.

These include alcohol and cigarette companies. Also, the subsidy is not provided to firms that rent equipment for short-term lease (hire).

When compiling a business plan for obtaining assistance, it must be borne in mind that its evaluation will be carried out according to certain criteria. The main one is the profitability of the organization. Also, the lower the risk of losing money, the higher the probability of obtaining a positive decision in issuing a subsidy.

An important criterion in approving a subsidy is the desire of the entrepreneur himself to create new jobs. Future businessman should in every possible way demonstrate to the loan commission his interest in business development.

What could be the reason for rejection?

A common and very common reason for denial of a subsidy is the inconsistency of the applicant's project with the field of activity supported by a particular fund. If a person asked too a large sum, then public service may lower the "bar" or even refuse to issue a subsidy.

The Fund for the issuance of subsidies gives an answer, as a rule, not earlier than six months from the date of writing the application. Therefore, if you really need funding, then you can apply for a subsidy to several funds at once.

Fund for the issuance of state subsidies

Another typical reason for rejection is a dubious or poorly written business plan. The grant committee must make sure that the money will be used for its intended purpose. Subsidies are not issued for projects that are outside the Russian Federation. Also, the refusal to issue subsidies is likely to await the unemployed, who has already received state assistance once.

Before applying to an institution for obtaining a patent or subsidies, it is imperative to think through everything to the smallest detail and collect documents. – content and summary, market analysis, financial calculations.

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Support provided by the program

Assistance under the subsidy program, as described above, is issued for the opening or development of a business. The money under the subsidy can be spent on financial assistance to the enterprise for the purchase of raw materials, on benefits for placing advertising materials or renting a room / land plot, ordering urgent legal assistance, etc.

List of documents

A citizen who has written an application for a subsidy is obliged to prepare the following documents:

internal passport of the Russian Federation or another document replacing it;
work book (except for young specialists);
diploma of education or certificate;
an order from the Employment Center that this citizen is unemployed.

In addition, you will also need a business plan, as well as copies and originals of the constituent documents for the enterprise.

Expense Report

A citizen who has received a subsidy is obliged to account for the money spent to the last penny. An appropriate report is generated.

Small business loans from the state

An alternative to subsidies are bank loans from leading financial institutions countries. There are special loan products for small businesses, for example, in Sberbank. The total amount provided by banks can range from 5 to 12 million rubles. The loan term and the annual interest are considered in each case separately. The business itself often acts as collateral for a loan.

In order to find out the effectiveness of the production and sale of the company's products, special calculations are used. , read carefully.

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