Money for business from the state. Grants from the Foundation for Assistance to the Development of Small Forms of Enterprises in the Scientific and Technical Sphere. Types of loans from the state for business

The state helps the development of small businesses with tax incentives, special support programs, subsidizing interest rates on loans.

For 2018, the Russian government has developed priority areas of small business activity who can count on state support:

1. Development of the agro-industrial complex. Support for lending and insurance for areas of animal husbandry, crop production, and horticulture.
2. Production of consumer goods.
3. Health development.
4. Promotion in the field of science and technology.

Types and methods

small business is carried out from the budget of the Russian Federation and local budgets by providing subsidies and budget investments, for the implementation of business projects, one-time subsidies for starting a business for the unemployed.

Property support is to allocate, structures, special. machinery, equipment under certain conditions for use for its intended purpose.

Information support includes the creation of websites with the official presentation of relevant materials, current programs, legislative changes. Also includes state support provision of necessary consultations.

Assistance from the state to small businesses is carried out public services.

Tax office

IFTS provides support in two directions:

1. Providing tax incentives. They include the possibility of accelerated fixed assets, the absence of work during the first 2 years (for enterprises producing consumer goods, construction organizations), the absence of advance tax payments.
2. The transition of small businesses to a simplified taxation system. It is possible to receive a tax credit in the amount of 10% of the proceeds, which is provided through a deferred payment to the local budget (up to 50%). Target direction of the loan: carrying out research and development work, purchasing modern equipment, creating jobs for the disabled.

Entrepreneurs apply to this organization for financial support of business. For 2018 developed the following government assistance programs:

All allocated subsidies are strictly targeted. Supervisory authorities make targeted spending of the allocated funds at the stage of acquiring equipment and establishing a business. Often, participation in programs requires a share of participation from one's own funds.

Federal Portal for Small and Medium Business Support

He collects information on existing programs, provides advice on the collection of necessary documents for obtaining grants. It contains the necessary information on the received grants, existing regional projects.

Areas of support for small businesses in 2018:

1. Increasing demand for . Acquisition of domestic equipment when purchasing goods.
2. Training for young entrepreneurs. Allocation of funds for training programs in the constituent entities of the Russian Federation.
3. Official employment of citizens working in the "shadow" business. Establishment of a simplified accounting of non-working citizens, registration and training of them in employment centers to engage in entrepreneurial activities.
4. Comprehensive service for SMEs in a one-stop shop.
5. Development of women's entrepreneurship.

Funds of this type provide collateral for loans, leasing operations in the form of a guarantee. There are certain banks in banks. Required to complete a loan a number of conditions: availability of account turnover, documented financial stability of the organization, security.

Otherwise, even if the issue of issuing a loan is positively resolved, the conditions for it will be unattractive for the borrower (increased interest, the requirement for insurance and additional guarantees).

Small business support funds enter into cooperation agreements with banks. An entrepreneur who has a business in the region, without overdue payments to the budget, who is not at the stage, has the right to use the services of the funds.

Such organizations provide support within the regional limit, enterprises engaged in priority activities for the region receive priority assistance. secured by guarantee funds have good conditions: the interest rate on them is lower by 2-3%, no additional collateral is required, good loan repayment conditions.

A new area of ​​support for small businesses is the creation of industrial parks. This is a system of real estate objects, which includes, in addition to a land plot, industrial buildings, offices, warehouses and other buildings with connected infrastructure.

On their basis, new production facilities are created that do not pollute the environment. They can be either public or private.

The park is managed by a management company. She is responsible for utilities, waste disposal, logistics, and landscaping.

To benefits activities of small enterprises in industrial parks include:

• providing good production conditions with prospects for growth and expansion;
• the presence in banks of preferential lending programs for residents;
• reduction of logistics costs;
• subsidizing infrastructure maintenance costs.

Distribution of business areas by ministries

Farm support. Grants are provided for the construction of farms, the purchase of livestock, the purchase of feed, the provision of land and seed. For receipt apply to the Ministry of Agriculture of the region.

Ministry of Education provides subsidies for the development of technological industries, innovative projects. The development of handicraft areas is engaged in Ministry of Industry and Trade.

Implemented the following types of support:

1. Assistance in organizing and opening a business. The maximum amount is 300-500 thousand rubles.
2. Acquisition of equipment on lease. The maximum amount is up to 10 million rubles.
3. Compensation of part of the interest rate on the loan.
4. One-stop-shop zones are being created in the MFC. Entrepreneurs can apply to the Center for a full package of services necessary for business.

Together with banks, programs have been developed for lending to entrepreneurs from 10.6% per annum, with the possibility of refinancing at the Bank of Russia at 6.5%. Targeted loans - for the acquisition and modernization of fixed assets, expansion of production, introduction of new technologies.

Each subject of the Russian Federation develops regional programs to support entrepreneurship, business incubators and various funds to stimulate business development are being created. All regions have priority areas for development that support entrepreneurs. To study specific programs and conditions operating in the region, contact the Regional Center for Entrepreneurship Development Support.

To participate in preferential programs, it is necessary to collect a package of documents, provide a business plan, and fill out an application form. Evaluation of projects is carried out on a competitive basis.

Main evaluation parameters:

• the number of newly created jobs;
• direction of activity;
• deductions to the budget;
• payback period of the project;
• significance for a particular region.

Restrictions on receiving subsidies from the state

1. Direction of activity of the entrepreneur. It is impossible to get a subsidy for tobacco, alcohol production, for opening a banking or insurance business.
2. Large investment required. When creating a business plan, the maximum possible amount of support available for programs should be taken into account.
3. Illiterate business plan. It should reflect not only the profitability of the project, but also its payback period, jobs created, and significance for the development of the region. All figures are confirmed by specific calculations with supporting documents attached.
4. The subsidy cannot be received if entrepreneur is in bankruptcy.
5. Cannot be resubmitted, it is provided once.

Vladimir Putin spoke about the preparation of important decisions to support small and medium-sized businesses.

03sen

Hello! In this article, we will talk about how to get a loan for a small business from the state.

Today you will learn:

1. What are the types of loans from the state for business.
2. Who can receive state support.
3. Which authorities to contact for help.
4. What documents need to be collected.

The government offers an alternative - state support for small businesses. But before you turn to the authorities for help, you should understand what type of government loan will be best for you - this is where we will start.

Types of loans from the state for business

In 2017, the government actively supports start-up entrepreneurs and provides assistance in the form of such forms of material support as:

• Microfinance for small businesses;
• Guarantee from the state;
• (gratuitous loan);
• compensation payments;
• Tax relief.

Now we will consider each of the types of state support for small and medium-sized businesses separately.

Small business microfinance

Each region of the Russian Federation has a microcredit fund for small and medium-sized businesses. It is he who facilitates the issuance of borrowed funds to entrepreneurs on a preferential basis.

Lending terms vary from region to region. A significant advantage of this type of lending is its availability: money is provided regardless of the area of ​​employment.

There are only a few restrictions that are determined by each region independently. For example, for Moscow, this is a limitation on the amount of a loan to a young entrepreneur.

Average conditions for obtaining a soft loan:

• or physical () in the territory of the subject of the Russian Federation in which the loan will be received;
• From 50 thousand to 1.5 million rubles (restrictions in the amount may be imposed depending on the scope of the organization);
• The interest rate of a preferential loan is from 8 to 12% and will depend on the prospects of your business, market needs, the solvency of the borrower, the amount of borrowed funds and the loan term, the type of security;
• Money is provided against security: property pledge, surety, pledge of a product in circulation, etc.;
• The loan is issued in non-cash form;
• In case of non-compliance with the conditions for providing money, penalties are provided in the form of an increased percentage;
• There is a limit on the number of loans;
• The duration of consideration of documents for the provision of funds is from 5 to 10 days, depending on the region.

State guarantee

In this case, the money will be issued to you by a commercial bank, and the state fund, represented by the Federal Notary Chamber, will act as a guarantor. However, it should be borne in mind that not all commercial banks participate in the state program. Their full list in your region can be obtained on the official website of the Russian government.

Unlike the first option, obtaining funds under a government guarantee does not differ in terms from a conventional loan. Consideration of the application will not be quick. Also, get ready for the fact that the fund will guarantee not for the entire amount, but only for a part.

The most likely to receive a guarantee from the fund are social enterprises serving citizens, manufacturing and industry, and innovations. When considering an application for a guarantee, the fund pays special attention to the number of jobs created by the organization.

Subsidies

A subsidy is the type of state support most desired by entrepreneurs. The thing is that it is provided to businessmen free of charge.

However, not all entrepreneurs can receive a subsidy.

Businessmen need to comply with sufficiently severe conditions to receive:

• You must be registered with the Employment Center as unemployed;
• Answer the questions of a psychological test in the same Employment Center;
• Undertake training in the direction of "entrepreneurship";

At the same time, all spending of public money must correspond and be documented. After the entrepreneur receives a positive response from the Center, he must register his enterprise. Only after that the money will be credited to the account.

It often happens that an entrepreneur is denied a subsidy. A grant may be allocated for the purchase of or, equipment or goods for sale, intangible resources. This should be stated in your business plan.

Grant

It is also provided to businessmen free of charge. The disadvantage of grants is that not everyone can get it.

The following are eligible to receive a grant:

• Start-up entrepreneurs (have been operating for no more than 12 months);
• Entrepreneurs who do not have debts for taxes, loans;
• Businesses that create a lot of jobs.

The area in which the organization operates is also important for obtaining a grant. Each region defines these areas independently.

Compensation payments and tax breaks

In this case, the state simply compensates the entrepreneur for part of the money that he spent on business development.

Companies producing innovative products, enterprises producing import-substituting goods, as well as service providers can count on such relief.

As for tax breaks, in 2017 a novice entrepreneur has the opportunity to take the so-called. They consist in the exemption of a businessman from paying taxes during two tax periods.

You can take advantage of the holidays if:

• Are you an aspiring entrepreneur?
• Organization on one of the following taxation systems: or;
• You are employed in the field of manufacturing, social security or science.

Requirements for borrowers

Let's take a closer look at what are the requirements for applicants for state support to receive a particular benefit. The information is given in the table.

In summary, government assistance is available for:

• Novice businessmen ();
• Organizations engaged in the production of products, the development of innovative goods;
• Enterprises providing services to the population;
• Entrepreneurs without problems on loans.

Where to go

For each material benefit, a certain state body is responsible, to which the entrepreneur must apply.

Microfinance is run by the Entrepreneurship Support Fund in your area. To get a loan on favorable terms, you need to collect a package of documents (it differs for individual entrepreneurs and legal entities).

You can learn more about this issue on the official website of the foundation in your region, we will name only the main generally accepted documents:

• Application and questionnaire of the applicant, as well as the guarantor;
• Entrepreneur data;
• Constituent documents;
• Extract from the register of small and medium-sized businesses;
• Certificate of entry into / and extract from there;
• Copy of the applicant's passport;
• Copy of SNILS;
• Activity licenses;
• Accounting and tax reports.

After you have collected all the documents, you should apply for a loan to the Support Fund. You can also download such a statement on the official website of the Foundation for your region.

For a state guarantee, you must apply with all the necessary documents to a bank that participates in a partnership program with the Entrepreneurship Assistance Fund.

The bank itself will assess the possibility of state support and will submit the application to the fund, which will consider it within three days. An application for a guarantee must be attached to the standard package of documents required for obtaining a loan.

A subsidy or grant can be obtained from the labor exchange. To do this, you must comply with a number of conditions, which we have already talked about above. The package of documents for obtaining a subsidy includes an application and a business plan.

You can receive compensation payments at the employment center. To do this, provide a business plan and a corresponding application.

To obtain tax benefits, you should contact the tax office, where you will receive information about the documents that will need to be collected.

Non-state support for small businesses

If you do not meet any of the criteria for government assistance, you can apply for non-government assistance for small businesses.

Such assistance is provided by non-state funds at banking organizations, it is expressed in the form of a grant. At the same time, a non-state grant can be issued both with a return and on a gratuitous basis.

The grant is received on a competitive basis. At the same time, the members of the commission will evaluate the economic benefits of the project.

To the standard package of documents for obtaining a grant, you will have to attach, which will describe the product and its cost.

The number of start-up businessmen is steadily increasing every year. An increase in their number has a positive effect on the economic performance of the country as a whole and satisfies the ever-growing needs of the population.

State financial support contributes to the emergence of new small and medium-sized businesses. The authorities of a particular region are trying to introduce methods of assistance: various benefits, subsidies, and material payments. How to get such support? Let's figure it out.

Which entrepreneurs can count on help from the state?

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

• start-up business(up to 15 people in the state with an annual turnover of up to 120 million rubles);
• small business(up to 100 people in the state with an annual turnover of up to 800 million rubles);
• medium business(up to 250 people in the state with an annual turnover of up to 2 billion rubles).

To qualify for assistance, companies must meet the following requirements:

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

Important: the chances of financing are much higher for businessmen who have social benefits, as well as own a social or export-oriented business.

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

• Manufacture of consumer goods.
• Popular directions of folk art.
• Offers of rural and ecological tourism.
• Housing and communal services.
• Agro-industrial department.
• The sphere of science and technology, as well as innovation.

How to get government assistance for small business development in 2019?

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

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

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

Important: if the business person cannot provide confirmation, he is obliged to return the subsidiary funds to the state in full.

Also, the terms of the drawn up agreement suggest that the activity of the financed small enterprise should last at least one year from the date of opening. This excludes the possibility of cooperation with one-day firms.

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

• City administration. The Department of Economic Development provides information on the types of financial support for small businesses.
• Chamber of Commerce and Industry. This institution provides assistance in consulting on business, marketing, legal law, it helps to take part in exhibitions.
• Entrepreneurship Support Fund. Based on the results of the mandatory assessment of the submitted project, the organization allocates finance for the activities of a small enterprise.
• Business incubator. This organization is engaged in infrastructural support of the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
• Venture fund. Focuses mainly on innovative projects, then invests money in their activities.
• Employment center.

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

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

1. Passport and TIN of the entrepreneur.
2. Insurance certificate (SNILS).
3. A certificate from the accounting department of the last place of official employment, which indicates salary information for three months before the completion of work.
4. Education document.
5. Application of a program participant for receiving financial support from the state (according to a specially approved form).
6. Ready business plan.

Money from the Job Center

The most common way for entrepreneurs to get help is to apply to the Employment Center. How is this procedure carried out?

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

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

Then you need to write a business plan with a detailed description of the project, target distribution of funds and an indication of its payback period. The third step is to register a business as an individual entrepreneur.

The package of documents is considered by the regional commission within 60 days. If a positive decision is made between the applicant and the Employment Center, an agreement will be concluded, and the funds will be transferred to the recipient's account. The commission may decide to reimburse only certain costs, such as the registration and opening of a small business. If the applicant receives a rejection notice, they may try again.

Grants for new businessmen

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

• Department of Economic Development.
• Funds for supporting small and medium-sized businesses.
• Unions created by entrepreneurs.

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

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

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

The entrepreneur must provide the following documents:

• Documents confirming the absence of other sources of financial support.
• Certificate of registration of an individual entrepreneur or LLC and a business plan.
• An extract from the bank on the amount of own finances.
• Certificate of positive credit history.

Then the Sectoral Commission decides on the provision of funds. The maximum amount of a cash grant is 500 thousand rubles (in Moscow and the region - up to 5 million rubles).

The state prioritizes the unemployed, young entrepreneurs, former military personnel, families with young children, etc.

Subsidy program

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

1. Federal programs. They are implemented throughout the country, and they are also characterized by a large amount of allocated money for financial support for the opening and development of SMEs. A distinctive feature is that such programs work mainly with large-scale business projects, whose owners are already engaged in commercial activities.
2. Regional programs. They work in the territories of administrative regions and dispose of the regional or district budget. The purpose of such programs is to develop the infrastructure of the whole region.
3. Local programs. The scale of implementation is work with city or district entrepreneurs. Subsidies are limited to small amounts of funding.

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

Concessional lending

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

Advice: for all your questions regarding assistance, you can contact banking institutions or credit communities directly, as they also have lending programs for business start-ups.

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

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

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

What can government money be used for?

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

• Payment for the lease of a place or plot of land (no more than 20% of the principal amount is allocated to cover these costs).
• Replenishment of working capital.
• Workplace equipment.
• Acquisition of equipment for production (purchased machines cannot be sold or exchanged for three years).
• Purchase of consumables (the same rules apply - no more than 20% of the funds received).
• Renovation and refurbishment work.
• Intangible assets.

The entrepreneur draws up an annual report, which indicates exactly what the received subsidiary income was spent on. Also, certificates and receipts must be submitted to the control authorities.

Intangible Small Business Support Options

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

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

Summing up

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

On the other hand, the conclusion of an agreement with the relevant state bodies obliges entrepreneurs to submit detailed reports and monitor the intended use of funds. Therefore, every businessman should study the features of existing support programs and the requirements for them. Then he will be able to use the assistance as efficiently as possible and fulfill his obligations.

Many aspiring entrepreneurs face financial difficulties at the stage of establishing a business. The easiest way to solve this problem is government concessional lending. There are many programs under which the state allocates funds to developing enterprises at low interest rates. What you need to do in order to get a soft loan as an aid to small businesses from the state in 2019, we will tell you in this article.

prospects

In 2019, the government of our country plans to revise the conditions for lending to small businesses. In particular, the annual interest rate on bank loans will be set at 10-11% per annum. In addition, the active support of the Central Bank of the country will ensure the refinancing of projects with a minimum rate of 6.5%. The maximum threshold will be 11%.

In addition, a geomarketing navigator system will be launched, thanks to which entrepreneurs, without additional research, can get comprehensive information about their chosen market segment. For this, more than 200 business plans have been developed in 75 areas of business activity. If this project is approved, state assistance for the development of small businesses in 2019 will be a pleasant bonus for start-up entrepreneurs who open their own business in such difficult economic conditions.

Types of state assistance to small businesses

Federal programs

For 10 years, the government of our country has been allocating funds to regional budgets that are intended to support small businesses.

The following can count on helping businesses in a crisis from the state:

• Start-up entrepreneurs;
• Manufacturing enterprises;
• Companies that are engaged in ecological tourism;
• Organizations whose activities are related to folk art.

Small business support

It should be noted that assistance to small and medium-sized businesses from the state is expressed not only in financial support, but also in the provision of various free services.

It could be:

• Training (seminars, trainings, etc.);
• Consulting on legal and economic issues;
• Organization of fairs and exhibitions to promote goods and services;
• Provision of land plots and industrial premises.

Subsidy from the Employment Center

Everyone knows that before you need to find start-up capital. If you do not have your own savings, do not immediately run to the bank to get a loan. Aspiring entrepreneurs can get government assistance to start a small business through the labor exchange.

For this you need:

• Register with the employment center as unemployed;
• Develop a competent project with calculations and a detailed description of the planned activities;
• Apply for participation in the competition.

The committee will review your plan and make a decision. If it is positive, you can register an individual entrepreneur or LLC, receive money and start working. Such financial assistance from the state to small businesses is issued free of charge, but the entrepreneur must submit to the regulatory authorities a detailed report on the intended use of funds.

Property support

There are several more types of assistance to start-up entrepreneurs from the state in 2019:

Before submitting an application for participation in the competition, you need to collect all the necessary documents, including confirmation that you have not received any grants or cash subsidies before. In addition, you need to be trained in special entrepreneurship courses that work with regional small business support funds.

Loans

If for some reason you were denied gratuitous financial assistance, you can get a loan for a small business from scratch from the state at 5-6% per annum.

This type of state support is available for enterprises:

• Engaged in the development of innovative production;
• Focused on import substitution or production of export products;
• Engaged in the production of oil and gas equipment.

In other words, soft loans to small businesses from the state in 2019 will be available to enterprises that operate in priority sectors of the economy.

Procedure for obtaining a soft loan

How to get help for small businesses from the state in 2019? First of all, you need to contact the partner fund bank, provide all the necessary documents, and submit an application. After that, you need to wait until the bank considers your application and makes a decision. If the borrower is unable to post collateral, the financial institution emails the client's documents and a guarantee application to the said fund.

The application must be considered within three working days. If a positive decision is made, an agreement is drawn up between the credit institution, the fund and the entrepreneur. Since we are talking about profitable, before making a decision, the fund conducts a thorough analysis of the borrower's business in order to assess its financial stability.

Where and how to get a loan for a small business?

It should also be noted that a loan from the state as an aid to small businesses can also be obtained from a regional or municipal fund. Start-up entrepreneurs are given small loans for a short period of time. Microcredit is great for businesses with short production cycles. If things go well, the businessman can count on more impressive assistance to small businesses from the state in 2019.

Another profitable tool for concessional financing is a back-to-back loan. This option can be used to implement . The state issues small loans that are intended to repay the main loan. Thanks to this, the client receives a deferral of interest payments for up to one year. During this period, he can safely engage in the development of his business.

The easiest way is to develop some kind of innovative project. In this case, you can count on active support from the state, since such activities have a positive effect on the development of science.

To whom are soft loans issued?

To date, preferential lending for start-up entrepreneurs has become available in many banks. Preferential conditions in different credit organizations have significant differences, but despite this, the main trend can be identified - this is a low interest rate, a long loan repayment period and a simple registration procedure. Concessional lending is an ideal option for implementation.

Since much less funds were allocated for federal subsidies in 2019, the regions will finance only the most priority areas of entrepreneurial activity - agriculture, innovation, scientific and technical development, and the production of essential goods. According to experts, this is the social sphere and housing and communal services. These activities receive comprehensive support from the state.

There are also restrictions on obtaining soft loans. Such a loan is not eligible for persons who:

• Bankrupt or on the verge of bankruptcy;
• In the past, they received a soft loan, but did not repay the debt;
• Have any debts to government agencies.

1. Do not forget that small business assistance programs from the state may differ depending on the region. Therefore, before applying to the Small Business Support Fund, you need to carefully study the provision on the guarantee. In some cases, the fund provides a guarantee not for the entire amount of the requested loan, but only for a part of it;
2. If you provide reliable collateral and correctly execute all documents, the likelihood of obtaining a soft loan under the microfinance program will increase significantly;
3. Before you get help for small businesses from the state at the Employment Center, carefully think again whether you can account for all the funds spent. The subsidy can be spent only in strict accordance with the business plan. All expenses must be confirmed by checks, receipts and other payment documents. If you know exactly how to increase your capital with a small amount of money, you can safely apply for such help.

conclusions

State support programs are the best way. The opportunity to develop your own business at the expense of budgetary funds can be found in any region. The most important thing is perseverance and desire. Good luck!

Opening your own business is a rather troublesome and costly undertaking. Despite the popular belief that the state is "stifling" small businesses, there are ways to get subsidies to start a small business without loans, loans and other methods that can potentially lead even a good business idea to failure.

So, what are the state subsidies for small business development, which organizations provide them, and what should be done to get them in 2017?

Classic option: job center

First of all, subsidies for business are provided by the CZN (Center for Employment of the Population). Any Russian officially recognized as unemployed has the opportunity to receive gratuitous financial support - therefore, this option is not entirely suitable for working citizens. In order to take part in this program, the future businessman must first prepare the following set of documents:

• Passport of a citizen of the Russian Federation;
• SNILS;
• Documents on education;
• A certificate from the place of work, which indicates the average salary for the last 3 months before the dismissal (it is worth noting that for persons who returned after completing military service and registered with the CZN no later than two months after returning, a certificate can not be provided) ;
• An application written at the Public Employment Center stating that the applicant wants to participate in the self-employment program;
• Developed business plan.

After the set of documents is collected, the business plan is submitted to a special commission, which will make the final decision on the payment of the subsidy. Currently, the maximum amount of this state subsidy is 58,800 rubles (this is 12 times the unemployment benefit). If the commission makes a positive decision, the future businessman will receive a call from the CZN and will be informed about the need to open a savings book, which will receive finances within one calendar month.

It is important to remember that the expenditure of funds received with the help of a subsidy must be reported after 3 months by providing checks and receipts.

The businessman has the right to use the received funds for the following purposes:

1. Renovation of a building necessary for running a business (including one owned by a businessman);
2. Purchase of raw materials and materials;
3. Expenses for the purchase of fixed assets (equipment necessary for the production of goods and services, office furniture);
4. Logistics costs associated with the purchase of fixed assets, raw materials and supplies.