Receiving a cash subsidy for a business from the exchange. Help in opening a sole proprietorship

Help for small businesses: organizational support system + 4 detailed options.

A small business that gives its owner financial independence is the dream of everyone who doesn’t want to work for their uncle.

Unfortunately, not everyone can boast of having a decent amount in their account to start their planned project.

Of course, there is always a way out. In this case, there are several of them - be patient and earn capital, take a loan or borrow from relatives/friends/acquaintances.

But there is also an option like small business assistance, which comes in several types.

So, today we will talk about how our state supports the development of beginning and experienced entrepreneurs.

State assistance to small businesses: organizational system for supporting entrepreneurs

The main regulatory act that we need to rely on in our article is Federal Law No. 209 “On the development of small and medium-sized businesses in the Russian Federation.”

Its full text can be found by following the link: https://www.consultant.ru/document/cons_doc_LAW_52144

Also, each region has its own body, which is responsible for implementing measures to help entrepreneurs.

Their complete list is posted on the official website of the Ministry of Economic Development of the Russian Federation in the “Small Business” section: https://economy.gov.ru/minec/activity/sections/smallBusiness

Why is it so important to support entrepreneurs?

Thus, in Russia, thanks to small and medium-sized businesses alone, more than 16 million citizens are provided with work (which is a quarter of the total employed population).

In addition, 20% of GDP comes from SMEs, although in the world this figure is close to 35%, so we have room for improvement.

The role of SMEs in the economy of an entire country is very significant. Let's briefly talk about its importance:

• creation of new jobs;
• formation of healthy competition in the market and adequate pricing of goods and services;
• revenues to budgets of all levels;
• filling those niches where large businesses cannot fit in (providing household services to the population, small wholesale, marketing).

But small and medium-sized business owners have to constantly face problems and difficulties:

• economic instability in the country;
• lack of financial resources both for opening and developing a business;
• high tax burden and complexity of preparing financial statements;
• constant changes in legislation;
• lack of personnel (qualified specialists prefer to work for business “sharks”, ignoring entrepreneurs);
• difficulty in obtaining loans (not every bank wants to get involved with a small business).

Agree, not every experienced businessman will be able to withstand the difficulties described above, what can we say about beginners.

That is why the state must provide assistance to entrepreneurs.

In 2016, more than 11 billion rubles were allocated from the Russian budget to support SMEs.

But, unfortunately, the amount of assistance to small businesses from the state tends to decrease.

Thus, in 2014, about 20 billion rubles were allocated to support SMEs, and already in 2015 - 17 billion. In 2016, it was planned to provide financial assistance in the amount of almost 15 billion from the federal budget, but in fact it turned out to be 11 billion.

In 2017, this trend towards a decrease in financial assistance continues. The state is ready to provide only 7.5 billion rubles.

Therefore, those who count on it will have to make a lot of effort to get it.

The structure of expenses for assistance to small businesses in 2017 looks like this:

We’ve sorted out the numbers and facts, but what is the government’s assistance to small businesses?

So, there are the following forms of support for SMEs:

• financial - provision of financial resources for opening and developing small businesses (compensations, subsidies, grants, soft loans);
• property - provision of state property to entrepreneurs on the right of use (land plots, industrial premises);
• information and consulting- formation of information systems, as well as free consultations on doing business (trainings, seminars, courses);
• infrastructure- creating comfortable conditions for doing business, as well as creating business incubators, multi-purpose funds, entrepreneur centers;
• organizational- assistance in participation in exhibitions and fairs.

Help for small businesses: who can count?

The priority areas that the state is ready to help are:

• area of ​​food and industrial production;
• innovation;
• provision of household and utility services;
• healthcare;
• tourism, in particular ecotourism;
• folk craft and creativity.

Help for small and medium-sized businesses: 4 types

In general, we can distinguish 4 types of financial assistance to small and medium-sized businesses from the state. Let's look at each of them.

1. Money from the employment center (self-employment grant).

In order to combat unemployment and informal employment, the state is ready to provide one-time financial assistance for starting a small business.

The amount of assistance in 2017 is 58.8 thousand rubles.

If your business can provide work for one or more citizens, then the self-employment grant can be increased by 58.8 thousand rubles. for each hired employee.

This program applies exclusively to the opening of individual entrepreneurship and cannot be applied to:

• minors (under 16 years of age) and pensioners;
• full-time students;
• current individual entrepreneurs or founders of LLC;
• citizens with disabilities belonging to a non-working group;
• young mothers on maternity leave;
• those who work under an employment contract;
• those who refused the job offered at the employment center.

In addition to the documents that must be submitted in order to register with the employment center, in order to receive government assistance for small businesses, you will need:

• statement;
• copy of bank account;
• project.

If you are unemployed and want to get start-up capital to start your own business, you will need to take the following steps:

So, your application is approved, after which they will conclude an agreement with you that you have received money to open a business. The funds received must be spent only for their intended purpose and must be moved strictly according to plan.

You must appear within the deadlines established by the employment center to provide reports on the funds spent.

In case of violation of the terms of the contract (misuse, termination of business activities ahead of schedule), you will have to receive the assistance you received.

2. Grants for beginning entrepreneurs.

This option of helping small businesses from the state is suitable for those who have a certain amount for its opening and development.

That is, funds are ready to compensate part of the costs of opening a business in the amount of up to 500 thousand rubles.

The grant scheme is as follows:

Drawing up a strategy.

This includes drawing up a detailed business plan that will cover production, organizational, financial, and marketing issues.

Study of public funds.

On the ministry’s website you can find bodies and funds that are ready to support.

Familiarize yourself with the areas and requirements for candidates in which organizations operate.

Preparation of documents and application.

You need to approach this stage with all responsibility, because if even one document is missing or the application is filled out incorrectly, the commission may reject your candidacy.

Submitting an application and waiting for the commission's decision.

The commission draws up a certain point system by which it evaluates submitted projects.

The one who scores the most points will become the recipient of the grant.

The funds received can be spent on the purchase of equipment, equipment, raw materials, and covering rent, but not to pay salaries to employees. In any case, the use of money should be targeted.

Unfortunately, not everyone can receive such a grant to open a small and medium-sized business.

For the rational distribution of financial resources, the state can determine various requirements for candidates:

• entrepreneurial age no more than 2 years;
• completing basic courses on entrepreneurship;
• the business should not be associated with gaming, banking, insurance activities, as well as the provision of intermediary services and resale of goods;
• absence of debts to the state;
• employment of a certain number of people.

• laid off from their previous place of work;
• university graduates;
• single mother;
• retired military;
• disabled people.

Ideas that the commission will consider for grants:

• innovation;
• socially significant industries;
• Agriculture;
• export-oriented production;
• education;
• tourism;
• advertising, marketing.

3. Loan on preferential terms.

Getting a loan from a bank is quite difficult and painstaking work, which does not always end in success.

Therefore, why not try your luck and ask for a loan from the state, but on preferential terms?

The essence of obtaining a preferential loan comes down to the following:

1. Guaranteed lending support is provided by the Federal Corporation for the Development of Small and Medium Enterprises.
2. As of this year, preferential rates for lending to small businesses are 11%, for medium-sized ones - 10% (for comparison: you can take out a loan on regular terms at 24-25% per annum).
3. The maximum loan size is 1 billion rubles, and the term is 3 years.
4. Loans are issued to those entrepreneurs whose successful activities last for about six months.
5. Loans are not issued to those who are on the verge of bankruptcy, who have outstanding debts and questionable credit history.

A loan on preferential terms can be issued for the following purposes:

• increase in working capital;
• purchase of real estate and transport for doing business;
• participation in government contracts.

4. Subsidizing small and medium-sized businesses.

Assistance to small businesses from the state in the form of subsidies is carried out on the basis of Decree of the Government of the Russian Federation No. 1605: https://www.consultant.ru/document/cons_doc_LAW_173683

For those who don’t know: subsidies are the receipt of a certain amount of funds for specific purposes.

As a rule, money is issued free of charge and irrevocably. Unlike a grant, the amounts of which are received in tranches, the subsidy is received in one amount at once.

To help small and medium-sized businesses, the following types of subsidies are issued in the following amounts:

The size of subsidies may differ in different regions, but the scheme for issuing them is approximately the same:

1. Compliance check:
   • the period of activity of the enterprise is no more than 2 years;
   • no debt;
   • the candidate himself is able to cover the costs of the project in the amount of 50% of the total amount.
2. Filing an application
3. Acceptance of application
4. Competitive selection
5. Receiving subsidies, providing reports on the targeted use of assistance to small businesses.

The new government program gives beginners the opportunity

entrepreneurs to open their own business.

How to get this help is described in detail in the video:

Small Business Assistance Program

In 2017, the following government assistance programs for small businesses will be in effect:

• “Cooperation” - you can get up to 20 million rubles. for business development, namely: improving the quality of the goods produced or services provided;
• “Development” - the maximum amount of assistance to small businesses can be 15 million rubles, which must be spent on improving production and creating new jobs;
• “Start” - carried out in 3 stages: 1 million rubles, 2 million rubles. and 3 million rubles. This small business assistance program focuses on the creation of new products and technologies.

The proposed list does not end here, since there are many other programs, as well as funds that provide support to entrepreneurs.

Help for small businesses is not limited only to the state. There are many foreign venture and investment funds that are ready to cooperate with young and promising entrepreneurs.

You just need to knock on all doors, and not wait for someone to sponsor your idea.

Of course, those who produce a socially significant product or have made an innovative breakthrough have a greater chance of success. But again, everything is in your hands, so don’t be lazy and start taking action.

Useful article? Don't miss new ones!
Enter your email and receive new articles by email

What does the 2019 small business start-up subsidy offer and how can I apply for it? Starting a business for many people seems very difficult from a financial point of view. Not all beginning entrepreneurs can realize their own plans due to a simple lack of funds. For this case, a state program to help small businesses was developed.

What do subsidies do for small businesses?

The state is interested in the development of small businesses, therefore, in 2019, a subsidy program is envisaged for implementation in the form of free targeted support for business activities. This is a payment of funds from the state budget that does not require repayment, which makes it very different from a loan or loan.

According to the program, subsidies for small businesses in 2019 are aimed at the following purposes:

• purchase of production raw materials;
• purchasing necessary consumables;
• purchase/rental of machinery, production equipment;
• on intangible assets;
• carrying out repairs.

A special executive body is responsible for coordinating subsidies. Upon receiving a positive decision and financial assistance, the entrepreneur must provide a report on how the funds received will be used. This confirms that the subsidy received is distributed precisely for the needs for which it was issued, and the entrepreneur is fully responsible for it.

One of the features of the program is that the unspent balance of the accrued amount must be returned to the state budget. The same applies to situations where misuse of finances has been identified.

Attention: State aid is not issued for opening the production of alcoholic beverages and tobacco products!

Types of government assistance

The amount of the subsidy for starting a small business in 2019 is set in accordance with the purpose:

• to support an existing business – 25 thousand rubles;
• to open your own business with the possibility of increasing the amount of financial assistance - 60 thousand rubles;
• to open a business (if the entrepreneur is disabled, has no employment, and is raising a child alone) – 300 thousand rubles.

In 2019, the subsidy conditions assume that state aid is also provided for the development of an existing business. The company can continue to operate based on its own idea or as a franchise.

How can I get a subsidy in 2019?

To receive government support in 2019, you will have to go through a difficult path, but nothing is impossible. According to current legislation, even an unemployed person who has previously registered with the employment center can receive financial assistance (providing subsidies to unemployed citizens). You will only need a certificate stating that the person is not employed at the time of submitting an application for a subsidy.

To submit an application, you must draw up a business plan (an example of a business plan), which displays complete information about the type of activity, technology features, type of equipment used, and all suppliers of raw materials. The total cost of the entire project, including the amount of own investments and subsidies, is indicated separately. An analysis of the volume of expected profit, profitability, and payback of the business being opened will also be required.

The prepared project is submitted to the self-employment promotion department in printed or electronic form. After accepting the documents, the center will set a time to appear; in addition, experts usually recommend immediately opening a savings book to calculate the subsidy.

After agreeing on the business plan, you should contact the tax office for registration; registration usually takes 5 days, after which a certificate will be issued. Next, you should visit the employment center and provide the following documents:

• passport;
• prepared and agreed business plan;
• completed application.

Based on the package of documentation, an agreement is concluded between the state and the entrepreneur, then the amount of financial assistance will be transferred to the personal account (this usually takes 1 month).

Attention: In order for the subsidy to be accrued, it is necessary to correctly approach the preparation of a business plan and correctly present all the calculations.

Features of receiving a subsidy

What is special about receiving a small business grant in 2019? Government financing now does not require the return of funds paid if they were spent for the intended purpose, that is, it is not an installment plan or a loan that is provided, but gratuitous assistance. What is the benefit of the state? Such support for small businesses makes it possible to form a new economic unit, ensure economic development and employment of citizens.

The responsibility of an entrepreneur after receiving government assistance and implementing his own ideas is to maintain records. After 3 months After receiving money into your account, you must go to the employment center and provide information confirming the intended use of the amount received. These can be orders, receipts or checks. The provided report and business plan must be identical; if discrepancies are found in them, the funds will be required to be returned in full.

Attention: The subsidy program also provides protection from fly-by-night companies - to use the funds, the enterprise's activity must last for at least a year.

Some of the priority areas for which subsidies are issued for the development of small businesses in 2019 are the following areas of activity: education, agriculture, tourism, healthcare.

Receiving government assistance may cause some difficulties, but this is compensated by the possibility of material support for business development without the need to return the funds received.

In this material:

Does the Employment Center give out money to start a business? In 2019, projects that provided financial assistance to small businesses were curtailed in almost all Russian regions. Meanwhile, in some regions of the Russian Federation they continue to allocate money from the Employment Center in favor of those wishing to start their own business. But you can still get money from the labor exchange to register a business.

Who is entitled to a subsidy from the Employment Center?

The state program “Assistance to Beginning Entrepreneurs” is designed to provide financial support to the unemployed in starting their own business.

In order to support entrepreneurial activity in some regions, you can receive small start-up capital to start your own business from the Employment Center. The subsidy amount is 58,800 rubles. and allows you to cover part of the initial costs of your business. Typically, the amount of the required subsidy is calculated as the annual amount of unemployment benefits. But since the allowance has not been indexed for several years, the amount of the subsidy for beginning businessmen has remained the same.

The state will not lose much from the subsidy program. Almost all funds spent in favor of the businessman will be returned to him in the form of taxes. So, only to the Pension Fund for 2 years of doing business an entrepreneur will need to pay at least 50,000 rubles. This does not count taxes on income received and contributions for employees to extra-budgetary funds.

In order to participate in this state program, you must have a desire to open your own business, an understanding of your preferred industry, and official unemployed status.

In addition to financial assistance, the state is ready to provide legal support, teach the basics of entrepreneurship, and even help in renting an office at prices below the market average.

It is worth considering that you do not need to register an individual entrepreneur until you receive a notification that you have been allocated a subsidy.

In some regions, subsidies in the amount of 58,800 rubles. are not provided, but you can demand compensation from the Employment Center for the costs of registering an individual entrepreneur or LLC. They include state duty (800 rubles for individual entrepreneurs and 4,000 rubles for LLCs), production of a seal (about 500-1,000 rubles), opening a current account (from 1,000 rubles), etc.

The procedure for applying for a subsidy from the Employment Center

The first thing you need to do is contact your local Job Center and find out if they have a program to support small businesses in the form of subsidizing part of the initial costs.

Businessmen who have already been able to receive assistance from the state are advised to apply for money at the beginning of the year.

This is due to the fact that the region may have a limited budget for subsidies (for example, a limit may be set that allows no more than 10 subsidies to be allocated per year).

If you are aiming to receive help from the state, then you need to register as unemployed. You may be denied registration if you fall into one of the following categories: are on maternity leave; already have the status of an individual entrepreneur; work under an employment contract; undergo military service; you are a pensioner or a student; under 16 years of age, etc.

To obtain unemployed status, you will need an application for registration, a passport, Taxpayer Identification Number, educational document, work record book, SNILS and a salary certificate from your last place of work. If you have not worked anywhere before, then you will only be required to provide an education document and a passport. Please note that it may take 1-2 weeks from the moment you apply until you receive unemployed status.

Then inform the labor exchange specialists about your desire to engage in entrepreneurial activity. You will be able to take a special course in which you will be taught the economic and legal aspects of running your own business, and will be told about current state support programs for small businesses and the specifics of the individual entrepreneur registration procedure.

To receive a subsidy from the Employment Center, you will need a business plan. You can do it yourself, order it from a specialized company, or seek help from a regional entrepreneurship support center.

The business plan must contain a description of the project being implemented, a marketing analysis of the market, a description of sales markets, calculation of key financial indicators (profitability, required capital expenditures and projected revenue) for 12-24 months.

If the submitted business plan is approved, a subsidy agreement will be concluded with you.

The procedure for receiving assistance from the labor exchange takes in practice from 1 month to six months.

After registering an individual entrepreneur, you will need to report on the use of received budget funds. Invoices, cash registers and sales receipts are suitable as supporting documents. Expenses must be related to running your business and aimed at making a profit. The entrepreneur is given 3 months to submit the report after the money is transferred to his account.

All expenses incurred must be included in the business plan. But if during the audit it becomes known about inappropriate expenses, the entire amount of the subsidy will need to be returned.

You will also need payment documents confirming the costs incurred for registering an individual entrepreneur. They will be compensated from the budget.

How to increase your chances of receiving a subsidy

Socially significant areas of business have priority rights to government assistance. We are talking about household services, the catering sector, the manufacturing industry, agriculture, transport services, etc. But getting money to open a retail outlet will be very problematic.

Also significantly increasing the chances of subsidy approval is an indication that the business involves creating jobs. Moreover, if, after opening your individual entrepreneur or LLC, you hire another unemployed person, then you are entitled to an additional 58,800 rubles.

The project business plan must meet a number of criteria:

• small business must be economically attractive and break even;
• It’s better to indicate in it that you plan to attract several employees (they won’t check this anyway);
• the ratio between your own and borrowed funds should be about 1 to 2 or 1 to 3 (if you indicate that you plan to invest 5,000 rubles from your own funds and receive 58 thousand rubles as a subsidy, then you will probably be refused);
• indicate that it is planned to purchase fixed assets or tangible assets (car, computer, tools, etc.) with government funds; this is better than if you spend it on any services (office rent or advertising).

If subsidies are not provided to entrepreneurs in the region, you can try to participate in various competitions for small businesses and try to get a grant to open one. Innovative projects or socially oriented areas are considered priorities for the state.

	Investments: Investments 220,000 - 700,000 ₽ The Stop Credit company is engaged in protecting the rights of borrowers, including the service Bankruptcy of individuals, Bankruptcy of legal entities, Refinancing of citizens, today one of the most relevant areas of business in a crisis and in an unstable economic situation in the country. Average annual income is 4,100,000 rubles. The “Stop Credit” franchise is the founder of this type of service for citizens who have…
	Investments: 40,000,000 - 45,000,000 million rubles. Advantages of the franchise: The company has been on the market for more than 8 years High customer loyalty - 25% come back again High-quality marketing Own well-functioning IT infrastructure “National Credit” has been operating since 2009. Our main task is to give clients the opportunity to obtain financial resources when they need it through the provision of leaseback services. Our database includes over 17,000 clients who…
	Investments: Investments 227,000 - 500,000 rubles. What is a franchise of the federal law company “Freedom from Credits”: A socially significant and in-demand business - thousands of people in your city need services like air. A good profit for you is from 2.5 million rubles per year. A minimum of hassle and responsibility - all legal issues of the client are resolved by the franchisor. Millions of potential clients - every sixth borrower. Real benefit...
	Investments: from RUB 250,000. The Center for Credit Technologies company offers a truly unique product on the microfinance franchise market - a combination of two highly effective brands: “Money for Home” and “Money Nearby”. One product contains two brands, each of which is attractive in its own way. Give your customers choice. One product contains two formats for running a microfinance business. Issue loans at sales offices, placing them in…
	Investments: 59,000 - 500,000 rubles. "Yes! Credit!" - credit service, founded in 2010. We are not an MFO (be careful)! This franchise probably no longer exists! Scope of activity: Obtaining bank guarantees for the execution of government contracts within the framework of 44-FZ; Lending to legal entities; Organization of mortgage loans for individuals. "Yes! Credit" is: more than 40 partner banks; quality of service provision - more than 3,000 clients received...
	Investments: 150,000 - 400,000 rubles. The company "Independent Bureau of Mortgage Lending" (NBIC) was founded in August 2004 and today is the largest credit broker in Russia. NBIC provides assistance to the population in obtaining mortgage loans for the purchase of an apartment, house or land, as well as loans secured by existing real estate for any purpose. The Board of Directors of NBIC includes Mikhail Dubinin -…
	Investments: Investments 450,000 - 600,000 ₽ URAL-STROY has been operating in the construction services market since 2008. The company is engaged in private housing construction. Ural-Stroy adheres to the strategy of “Quality and openness to the client”, thanks to which it is a leader in the cottage construction market. We build modern, comfortable turnkey houses. Our Goal: To become the No. 1 developer in the Russian Federation in the low-rise construction segment. Join us and together we can develop...
	Investments: Investments 3,000,000 - 3,500,000 ₽ International Language School is a language school of English, French, German, Spanish, Italian and Chinese with in-depth, systematic teaching, where each age and level has its own program. ILS is also a network of children's clubs for early teaching of foreign languages ​​to children (from 2 years old). ILS is an opportunity for franchisees to become a center for training and... Franchise Clean Slate Investments: Investments 300,000 - 900,000 ₽ Clean List is the fastest growing company in the legal services market. We specialize in protecting citizens experiencing problems with loan repayments. More than 20,000 clients have already solved their problems with our help. Our mission: To restore justice and help resolve legal issues with banks and microfinance companies. Thereby restoring peace and healthy sleep to our clients!…
	Investments: Investments 300,000 - 1,350,000 ₽ LEGAL CENTER "PravoActiv" is a unified team of professionals in the field of jurisprudence, banking and insurance, sales and marketing. The MISSION of “PravoActive” is to help people solve their credit problems efficiently and at affordable prices. Working in credit consulting, we saw that a large number of people who were experiencing difficulties with loan repayments came to us. They wanted a new...
	Investments: Investments 1,300,000 ₽ "Refinance.rf" is a network of Smart Financial Solutions Centers that help clients refinance their credit obligations (mortgages, credit cards, microloans) on more favorable terms in partner banks and IFCs. By the end of 2019, we plan to become the No. 1 brand in the refinancing and personal finance consulting market in the Russian Federation. This is a multifunctional document center, everything about private finance...

Despite all the difficulties and bureaucratic obstacles, more and more Russians are striving to become independent and open their own enterprise. We have long been taught to perceive the state not as an assistant, but as an insurmountable barrier to profit. What are the chances that money for business from the state will still end up in your budget in 2018?

What kind of help can you expect?

The time when small businesses were left to fend for themselves is long gone. Today, the development of this area is a priority in the internal policy of the state.
According to new changes in legislation, individual entrepreneurs can count on the following benefits:

• cash subsidies;
• coverage of training costs (often, however, only partial);
• internships;
• leasing on preferential terms;
• free or preferential outsourcing services;
• grants;
• discounts on participation in exhibitions and fairs;
• partial compensation of interest on loans;
• provision of guarantees and sureties by government funds, which simplifies access to borrowed resources.

It is also worth noting that it is not only government funds that support small businesses. Those who provide assistance to newcomers include investment funds, public organizations, business schools, and government agencies. They are the connecting link between the state and entrepreneurs.

Subsidies for start-up entrepreneurs

The resolution on business support applies to everyone who has a USRIP registration sheet. These persons may apply for a cash subsidy.

The main condition is that the registered enterprise should not be more than two years old. It is such a business that is considered a start-up and can enjoy the privileges of the entrepreneurship support program.

The amount of assistance is determined depending on the region in which your company is registered. The maximum assistance that can be received in the capital is 500,000 rubles. In the regions, no more than 300 thousand are allocated. However, it is worth considering that due to the crisis in the country, money to support small businesses is transferred from the state budget quite slowly, so not all funds accept applications for subsidies.

You also need to understand that the individual entrepreneur receives money allocated for business development from the state on the terms of co-investment. It is impossible to organize your own enterprise using government money alone; you will also need to contribute personal savings.

In addition, the subsidy can only be used for strictly regulated purposes:

• payment for rent of premises;
• equipping employee work areas;
• purchase of materials and raw materials for production (you can only use 1/5 of the assistance received).

You will need to report how much and where you spent money from the cash fund. For verification, the regulatory authority will require receipts, certificates, and contracts. In addition, you must first familiarize yourself with the financing conditions in your region so as not to violate the requirements of local legislation.

Support for the unemployed

State support for business can be implemented in another way - through the employment center. To receive assistance, you must first register as an unemployed person at the local employment center. Then, reasonably refuse all proposed vacancies, draw up a business plan for future activities and submit it for consideration along with other necessary documents.

If everything is done correctly, you will be allocated funds to bring the project to life. The amount of assistance, of course, is not too large - 58,800 rubles. But if you have a viable idea and a great desire to implement it, this should be enough to get started.

An important condition for receiving this type of assistance is constant (quarterly) reporting on the expenditure of funds to the employment center. If it turns out that money for a business from the state was not used for the purposes provided for in the business plan, the entrepreneur will be required to return the subsidy. He will be blacklisted and will no longer receive government assistance in the future.

Other help options

There are a number of other government support options.

Free education

The most common reason for the failure of entrepreneurial activity is the lack of necessary knowledge about running a business. They, in turn, are difficult to acquire due to the high cost of relevant educational services. As a grant, the state provides budding entrepreneurs with the opportunity to attend all kinds of courses, seminars and lectures for free.

Rental discounts

Government support can also be expressed in the form of discounts on rent for premises for office or production. True, such assistance is only possible if the rented building or premises is on the balance sheet of the state fund. If you want to get it, be prepared to participate in a competition for the title of the most worthy tenant. If you win, you will receive an additional subsidy for connecting all necessary communications.

In every region of our country there are programs that provide various subsidies, compensation, benefits and other types of assistance. What forms of government support for entrepreneurs exist and how to use them? We will talk about this in our article.

Today, the most popular small business assistance programs are:

• subsidy for starting a business for the unemployed;
• business development subsidy for start-up entrepreneurs;
• guarantee under credit and leasing agreements;
• compensation for part of the interest on loans;
• reimbursement of part of the costs under the leasing agreement;
• issuing loans at reduced rates;
• reimbursement of expenses for participation in exhibitions and fairs;
• tax benefits for new and existing entrepreneurs.

Let's consider all these types of government support in more detail.

Subsidy for starting a business for the unemployed

If you are unemployed and want to try your hand at business, a subsidy from the employment center in the amount of 58,800 rubles can help you at first. This type of government assistance is provided to unemployed citizens free of charge. In order to receive a subsidy, you need to contact the employment service at your place of registration, register for unemployment, write and defend a business plan. Some employment centers will additionally require you to undergo a short training in the basics of entrepreneurship and psychological testing.

It is best if your future business has a social orientation and you create one or more jobs. For example, you will start making folk art products. Business ideas related to the production or sale of alcohol, opening a pawn shop, or network marketing are not accepted for consideration. After defending your business plan before the commission and if it is approved, you enter into an agreement with the employment center to receive a subsidy. Please note that you should register an individual entrepreneur or LLC only after concluding an agreement. It is necessary to follow this procedure, since the contract is concluded with you as an unemployed person, and not as an entrepreneur or legal entity.

The costs of registration are also reimbursed by the state. Reimbursement is transferred upon receipt, that is, you must pay for registration at your own expense, and then provide payment documents to the employment center.

The subsidy amount may increase if you hire one or more unemployed people who are also registered with this employment center (+58,800 for each hired employee). This program is valid for individual entrepreneurs only.

Within three months of receiving the grant, you must certify that the funds have been spent in accordance with the approved business plan. If your business “lasts” less than a year, the money will have to be returned to the state.

Subsidy for start-up entrepreneurs

You can get a more significant amount for business development - 300,000 rubles (500,000 rubles for Moscow entrepreneurs). In order for you to be provided with such a subsidy, at least a year must pass from the moment of registration of your individual entrepreneur or LLC. Money is issued after defending a business project, but on co-financing terms, that is, you invest 50-70% of your own funds, and the state compensates for the rest of your costs for business development. The subsidy can be spent on purchasing equipment, equipping workplaces, purchasing raw materials, and paying rent. Another condition for providing a subsidy is that your company does not have debts on taxes and insurance premiums. Non-repayable loans are most often issued to entrepreneurs who carry out socially important activities - engaged in consumer services, work in the field of education, healthcare, etc. You will need to account in detail for the public funds spent. You can find out all the details from local governments or business support funds in your region.

Guarantee for loan and leasing agreements

In almost every region there are guarantee funds that can become guarantors when an entrepreneur applies for a loan or enters into an agreement with a leasing company. Such a guarantee is an additional advantage when obtaining a loan. For the service, the fund will have to pay 1.5-2% of the guarantee amount, which, as a rule, is 30-70% of the loan amount.

How to use the guarantee fund:

1. Find out the requirements for borrowers on the fund’s website or by phone.
2. If you meet them, then check which banks are the fund’s partners. Select the bank where you would like to take out a loan.
3. When contacting the bank, indicate that you would like the guarantee fund to act as your guarantor.
4. If your loan application is approved by the bank, then together with the bank you need to prepare documents and an application to the guarantee fund.
5. If the fund's decision is positive, a tripartite guarantee agreement is drawn up.
6. You receive a loan and pay for the services of the guarantee fund.

The guarantee fund must be located in the same region in which your business is registered.

Compensation for part of interest on loans

If you took out a loan for business development from one of the Russian banks, you can compensate part of the interest on the loan at the expense of the state. The amount of the subsidy depends on the current refinancing rate and the size of the loan. This type of support is valid in almost all regions and applies to most types of activities.

Reimbursement of part of the costs under the leasing agreement

Another popular type of assistance from the state to small businesses is compensation for part of payments under leasing agreements. If you lease production equipment or vehicles, then you have the opportunity to return part of the funds. The maximum amount differs depending on the region: for example, in Moscow it is up to 5 million rubles. You can find out all the details from the small business development department or entrepreneurship support funds in your region.

Issuing loans at reduced rates

In many regions of the Russian Federation, there are microfinance programs for small businesses that enable entrepreneurs to receive loans and short-term loans on preferential terms. As a rule, the loan amount ranges from 10 thousand to 1 million rubles for a period of 1-3 years. The interest rate varies from 8 to 10%. Certain regions provide loans at a lower rate of 5% to entrepreneurs who work in the manufacturing or agricultural sector, provide household services, that is, engage in socially significant activities. In some cases, you can get a larger amount - up to 5 million for a longer period - up to 5 years.

To obtain a loan, contact the entrepreneurship support fund in your region. There you will be told what requirements the borrower must meet, what documents and possibly collateral are required to obtain a loan. Based on the documents provided and the collateral, the fund’s specialists will make a decision on issuing or refusing to issue a loan.

Reimbursement of expenses for participation in exhibitions and fairs

This type of state support for small businesses will allow you to reduce the costs of participating in exhibitions and fairs, that is, take advantage of the opportunity to present your product to a wide audience, find clients and partners, and exchange experiences. The state can pay two-thirds of your participation in such events - rental and delivery of equipment, registration fee. Travel, accommodation and food costs are not reimbursed. The subsidy is provided once during the current financial year. The subsidy amount is from 25,000 to 300,000 rubles, depending on the region.

Tax benefits for new and existing entrepreneurs

From January 1, 2015 to December 31, 2020, regions have the right to set a zero tax rate for first-time registered individual entrepreneurs for 2 years. This applies to imputation and patent entrepreneurs who work in the production, social, household or scientific spheres. For example, in 2016, “tax holidays” are in effect in Bryansk, Voronezh, Kostroma, Kursk, Lipetsk, Moscow, Omsk, Tula and many other regions.

Also, since 2016, as anti-crisis measures to support small businesses, in some regions there have been reduced tax rates for entrepreneurs on the simplified tax system - from 1% and UTII - from 7.5%.

Other forms of government support for small businesses

In all regions of our country, training and advanced training is provided for small businesses, which includes a variety of trainings, seminars, and conferences. Professional accountants, lawyers and other specialists will advise you on any questions that inevitably arise for both beginners and those who have already been doing business for more than one year. These services are provided free of charge.

How can I find out about support measures in my city?

You will find a detailed description of support measures in the SME Business Navigator - a free resource for entrepreneurs. Here you can find a database of all state and municipal organizations that provide support to small and medium-sized businesses in your region.

If after reading the article you still have any questions, ask them in the comments.