Small business grant. How to get a grant for your business? Use of funds

Moving to countryside put our family before the fact: there is no work in the village. So you need to create your own workplace and earn your own income. The choice of direction of activity was also obvious - agriculture in the Novgorod region needs to be raised.

 

My nine mistakes on the way to a grant

There were no special savings left - everything was spent on moving, and to start so seasonal business"from scratch" is difficult. You will want to eat already tomorrow, and the income from animal husbandry or crop production will be received, oh, how long. The same fact predetermined the refusal to apply for a loan - the bank will have to pay regularly, and it is impossible to grow agricultural products taking into account the loan repayment schedule.

Entrepreneur Tatarintsev Petr received a grant for starting a business of 150,000 rubles and shares his experience with visitors to the Moneymaker Factory.

The omniscient Internet comes to the rescue, where you need to look not for how to earn 100,000 rubles in two days with minimum investment, but quite specific information on financial support for start-up entrepreneurs. It turned out that in each region of the country there are at least two different programs to support newly minted businessmen:

1. Subsidy under the self-employment program, provided on the basis of the interview and defense of your business plan at the Employment Center - 58.8 thousand rubles for each unemployed person who will be employed at the newly created enterprise;
2. Grant for start-up entrepreneurs from the Ministry of Economic Development with the direct participation of the regions organizing the competitive selection and evaluation of applications - 300 thousand rubles for the implementation of the project.

With the first option, I flew by - back in March, 5 applicants had already applied for the only subsidy allocated to our district under the quota. Deciding that I could not withstand such tough competition, and the amount was not so attractive to fight for it, I went to the administration for information to find out the conditions for obtaining a grant under the second option.

In the department of economics and Agriculture I was welcomed with open arms. Our area is not particularly prosperous and entrepreneurship is tight here, so everyone new business they are ready to support "from and to". Thanks to this, in the end, I overcame all the steps of the procedure for obtaining a grant - in any local instance, they went to meet me and helped me correct my mistakes. Otherwise, I will not see this money.

Mistake 1. Information about the program: you need a territorial reference

I naively thought that the information I received on the Internet about the state subsidy was enough. It turned out that federal program operates throughout the country, but its main conditions are at the mercy of the regional authorities. Up-to-date information can only be obtained from the regulations of the respective region.

The peculiarity of such a procedure for preparing and approving specific criteria and activities of the program is that the region must first approve its version of the program, and on its basis a comprehensive document will be developed directly in the region. As a result, the main parameters and conditions for issuing grants to start-up entrepreneurs in our locality were corrected only for June.

Mistake 2. Registration: there is no need to rush

The final version of the competitive position was studied by me after the registration of the IP. If I hadn't listened to the employee tax office and chose other OKVED, he could not take part in the competitive selection, because only businesses in the following areas can count on state support:

• agriculture (OKVED 01.1 - 01.4);
• construction (OKVED 45.2 - 45.4);
• manufacturing industry (OKVED 15, 17-22 and 24 - 37);
• social, communal and personal services (OKVED 74.7, 74.84, 93);
• handicraft activity.

In a particular district, their priorities are set, so in our country these types of activities included animal husbandry, and in a neighboring district, all other things being equal, a grant was allocated manufacturing enterprises. Although, even if the type of activity I chose was not classified as a priority, there was still enough time to make changes and add the necessary OKVED.

Mistake 3. Collecting documents: pay attention to their expiration date

After quick registration with the tax office and registration as an employer in extra-budgetary funds, according to the requirements of the program, it was still necessary to acquire a bank account. In a branch of Sberbank, an account was opened for me in a few days, it only took me to fill out a signature card and write a corresponding application with a request to open an IP current account. The received bank account agreement should have supplemented the following package of documents for applying for participation in the grant competition:

• IP registration certificate;
• Passport and TIN certificate;
• Extract from the USRIP;
• Information letter with statistics codes;
• Certificate from the tax office on the absence of debt;
• Certificate from the Pension Fund, the Social Insurance Fund, the Compulsory Medical Insurance Fund on the absence of debt to them;
• A self-written certificate of the amount of revenue for previous reporting periods (why is it needed if I just registered as an entrepreneur?);
• Help about average headcount employees for the last year (naturally, all by zero).

Addition: Leave an application for opening a current account with Sberbank.

It was necessary to take into account two factors - the speed of issuing all these documents and their validity. An extract from the USRIP loses its relevance in 30 days, a tax certificate - in 10 days, and it is better to take confirmation of the absence of obligations to extra-budgetary funds on the same day when you plan to submit an application.

I had to order certificates several times, which lost their "freshness", it's good that they were free. In addition, at the last moment, I was saved by the opportunity to order an urgent extract from the USRIP, which is prepared in 1-2 days, not 5 working days.

Mistake 4. Business plan: conforming to a certain format

To participate in the program to support start-up entrepreneurs, you need not only to present registration documents, but also describe in detail your upcoming activities. For this purpose, not any business plan downloaded from the Web is suitable, but a comprehensive document drawn up based on the results of training in courses on the basics of business.

In Veliky Novgorod, on the basis of the Entrepreneurship Support Fund, training was organized for everyone who wants to receive state support in the form of a gratuitous subsidy.

I, as having a higher economic education, did not need to take these short courses, I only had to use the proposed scheme to draw up a business plan when applying. The rest were trained and attached to the application for participation in the Entrepreneurship Support Program a certificate of completion of these courses.

The business plan needed:

• specify the features of production;
• describe the products;
• characterize organizational processes at the enterprise, taking into account the calendar plan;
• calculate the required amount of investment;
• predict financial flows;
• transfer possible risks and ways to minimize them.

In an additional application form attached to this document, it was necessary to calculate the budgetary efficiency of the project - the amount of tax deductions, as well as indicate the number of jobs created. It was required, according to the above formulas, to calculate other indicators of the project.

Mistake 5. Expense items: you can not spend on everything

The funds received from the budget can be spent exclusively for those purposes that are most clearly and transparently spelled out in the business plan and application. No deviation is provided. An additional limitation is the fact that only fixed assets that are directly involved in the business and generate income can be purchased with the grant funds. It is impossible to repay debts to creditors or pay salaries to employees or make other current expenses using the grant.

For this reason, when filling out the application, I had to immediately think over the process of acquiring assets, taking into account the fact that I would have to confirm the intended nature of the use of funds - with payment documents. Difficulties arose - it was difficult for me to confirm the fact of the sale and purchase of farm animals in private household plots.

I had to draw up an agreement between an individual and an individual entrepreneur, in which all the main parameters of this transaction were taken into account. Subsequently, this contract became part of the expense report. budget funds and they did not immediately agree to accept it.

Mistake 6. Competition: important selection criteria

The Commission takes into account only a few of the most important criteria for evaluating applicants, assigning points to each indicator:

• Creation of jobs - from 1 to 5 points for employment of 1 to 10 employees or more;
• Applicant's age up to 30 years - 1 point, older - 0 points;
• Own investments from 0 to 100% of the project cost - from 1 to 5 points;
• Priority activities - 1 point, any other permitted activity - 0 points.

A prerequisite is the registration of an entrepreneur for no longer than one year, as well as the implementation of activities in the territory of the region where he was registered. There are other indicators that the commission evaluates, they are spelled out in the regulation of the competition and, as it turned out, differ significantly in different regions of the country.

Mistake 7. Regional specifics of the grant program

I was greatly mistaken that I have comprehensive information about the program, having studied the experience of several regions. It turned out that in the Novgorod region a grant can be received in the amount of 70% of the cost of the entire project, moreover, on the fact of expenses.

That is, in order for me to get 300 thousand rubles from the budget, I would first need to make documented expenses for the same amount and plan at least another 130 thousand rubles to lay out from my own pocket for business development.

In 2013, in other regions, such as Sverdlovsk region, to participate in the program, it is enough to complete training, write a BP and pay 15% of the costs of launching a newly registered company, the rest will be paid by a grant from the budget. In St. Petersburg, the ratio of own and requested from the budget funds should be 30 and 70%, respectively. Well, I had to moderate my appetites and be content with the amount of 150 thousand rubles, because I had already invested about that much in my farming and could confirm these expenses with checks.

Mistake 8. Deadlines for receiving funds: delay in payments from the budget

But I could not meet the expected expenses at my own expense in order to compensate for them with funds from the budget - I decided to wait for the grant to be paid and then buy everything necessary equipment and young. This became my next mistake. During my first visits to the administration, when I was still doing reconnaissance, I congratulated the employees on March 8, and when I came for money, it was already a happy new year.

Despite the fact that the money was received in my account on December 20, I had to report on the spending made on the 25th, so that the administration could accept the report before the end of the year. It was this feature of subsidies from the budget that cost me many lost months and nerves. The procedure for submitting reports on the grant turned out to be the simplest - I brought sales receipts for the purchase of equipment and an agreement for the purchase of farm animals, in the amount corresponding to the application with a business plan.

Mistake 9. Reporting: delay in the implementation of the project

Since I did not receive the money in June, as expected, then all my calendar plan the project has moved forward a bit. spring next year I should have already received a solid income and give work to 3 residents of the area. However, this was only possible with a six-month delay.

For a report after the first quarter, I must provide the administration with a certificate of the average headcount and a certificate of tax deductions and the absence of debt before payments to the budget and extrabudgetary funds. As a result, they asked me only for an explanation of the reason for such a delay in the development of my farm and did not demand the return of the funds received, although under the terms of the agreement they could well have been forced to return this money. By the end of this year, I reached the planned sales volumes and the capacity of my enterprise.

Now that I have experience of interacting with the local administration and knowing the nuances of obtaining and using budget funds, I understand that free cheese happens not only in a mousetrap.

Here is a rare situation: there is great idea to open own business, there is also enthusiasm and a sea of ​​\u200b\u200benergy for work, but there is no serious money to start a new business. For some reason, you do not want to consider the option of a bank loan or a loan from friends. Well, there is another way - it's getting a grant. What is a grant? We are talking about targeted sponsorship. If you want to know how to get a grant, read on.

Be aware that many business projects have been realized thanks to this form of financial support. Having decided to go the same way, be patient and get ready to spend a lot of effort. But believe me - the result is worth it.

And yet - what is a grant?

These days, this word often flashes in the media. Before we figure out how to get a grant, let's clarify the essence of the concept itself. A grant is a kind of targeted assistance, expressed in money or in kind, and aimed at specific goals, one of which may be the expansion or opening of a new business. home distinguishing feature compared to a loan in that it is a grant. The grant does not require a return.

It can be issued by the state and private foundations or foreign organizations. And, as you understand, each of the listed sources has the right to put forward its own requirements. That is why you should not "throw" your application everywhere where at least some chance shines. Focus and choose the source that best suits your industry. And then find out what conditions you have to fulfill.

Where specifically to apply?

To do right choice among the three main categories of organizations listed above, it should be clear what goals each of them pursues.

State organizations are most willing to issue grants for business development to representatives of those categories of the population that are commonly referred to as socially unprotected. We are talking about university graduates, citizens who are registered with employment centers or have been made redundant, military retirees, the disabled, single mothers and young professionals.

You will not get the full amount needed to open your own business from the state. Here, preference is given to those entrepreneurs who have and own funds(at least partially) and who are ready to invest in this business.

The preferred sphere for the implementation of public money is social or industrial. It is also quite realistic to receive a grant for the development of agriculture. The state willingly finances the purchase of raw materials or equipment, but the future entrepreneur will most likely have to bear the costs of paying employees on his own. Also in this case, the period of existence and operation of the enterprise is important. Under the terms of grants, it should not exceed a year or two. Consider, in addition, the ability of the entrepreneur to hire additional staff.

How private and foreign foundations issue grants

These organizations have many reporting requirements. It is important for them to see that the money given out by a businessman is spent in a strictly defined way, and does not settle in his pocket. Unlike the state, these sponsors also finance the payment of salaries to hired personnel.

In the case when it comes to financing innovations in business or the economy, it is most reasonable to turn to one of the private domestic funds. It makes sense to request assistance from a foreign fund in the case of opening or developing a business in the field of art, ecology, society, culture, or the IT field. Most often, grants in such funds are issued in the form of tranches, that is, each specific stage is implemented separately.

What documents are needed

The list of those will be individual for each organization that finances and supports business, but their list is often very similar. So what can be required of you?

1. A duly executed application for participation in the selection, which is held among those wishing to receive a grant.

2. Copies of all identity documents and (most often) the participant's questionnaire.

3. Copies of documents that can confirm your competence in economic sphere. We can talk about both a diploma and certificates of completion of various specialized courses.

4. Copies of registration and constituent documents for your business, as well as tax registration and registration papers. In the case of applying for business development - copies of documents on the availability of jobs or the creation of new ones.

5. Business plan. This item is mandatory.

The list above is indicative. It can always be supplemented and expanded. Therefore, treat it carefully. In the absence of any papers or their incorrect preparation, the fund has the right to refuse to consider your application.

Consider a small step by step instructions on this issue:

1. Choosing an organization that is right for you.

2. Studying the history of the issuance of money by her - which projects and in what amount were funded.

3. Study of the requirements put forward by the fund and the rules for drawing up an application for those wishing to participate in the selection.

4. Preparation of a complete package of necessary documents.

5. Drawing up a real business plan with a clear definition of your goals, existing problems and ways to solve them. Make the main emphasis in it on the financial side of the issue.

6. Preparation of a detailed and as convincing as possible presentation of your own future project.

What's next?

By submitting an application for consideration, you go "in standby mode". Most often, within three months after the deadline for submitting applications, funds review them and make a decision. The first few days of the specified period are devoted to checking the correctness of their compilation and the availability of a complete set. necessary documents. The foundation then begins to study and compare the business plans provided to it.

Their evaluation occurs most often according to the fund's own scoring scale, which is used when forming the rating of participants. At this stage, special attention is paid to the proposed options for solving the set goals and identified problems.

In addition, the reliability of the presented calculations is checked very carefully. When it comes to the state fund, those entrepreneurs who have a certain amount of money to start their own business or develop it are especially noted. Business plans requiring full funding are usually rejected.

When it comes to an already operating business, serious attention is paid to the dynamics of its development. In the case of the issuance of low indicators for the period of the existence of the enterprise, it will most likely be refused. Additional points from the fund can count on those projects that this fund already funded.

After the final formation of the rating of participants, the commission decides who exactly can count on receiving a grant. Notifications are sent to the winners with the simultaneous placement of the results on the official website belonging to the fund.

How to dispose of the received grant?

What is a grant from a legal point of view? It should be viewed as an agreement between a businessman in need of funds and the investor who issued them. That is why the former is now bound by a number of specific obligations that must be fulfilled:

1. The funds received should be spent exclusively for the intended purpose, that is, only for what they were issued for.

2. Reporting must be submitted with strict adherence to the agreed deadline.

3. In the event of a force majeure or the impossibility of performing specific actions on the project, the businessman is obliged to immediately apply with corrective proposals to the fund.

4. It is forbidden to interfere with the commission during the audit and it is required to report in detail on the entire amount of funds received.

If facts of misuse of the issued grant or violation of other terms of the agreement are revealed, the organization or foundation has the right to demand its termination and, in judicial order return all allocated funds. This issue should be approached full responsibility. Think about whether you are able to fulfill all the conditions set by the fund.

If the answer is no, you will lose an excellent chance to receive additional financing for your business. The financial assistance provided by sponsoring organizations contributes not only to the development and support of individual entrepreneurs, but also to the improvement of the economy of the entire region.

Grants for education

And now let's talk about another type of grants - subsidies issued for research, educational and other non-commercial purposes. This can be education or an internship, etc. The purpose of education grants is to finance projects that can benefit society in the future. Their addressees are young talented ambitious people.

Most of these grants are given non-profit organizations. There is a list of detailed requirements for participants. As a rule, a considerable number of applicants fight for the privilege of receiving such a grant. After all, what is a grant in this case? This is an impressive amount that allows you to continue research or achieve other important goals that, without such funding, may remain unfulfilled.

Selection criteria

Requirements may vary. Applicants are most often selected according to the following criteria: the head of the research team is not yet forty years old, the entire composition of the participants refers to students and graduate students or employees of a particular university or research institute. Participants must publish a number of scientific papers.

Most often, when reporting basic data on all contestants, it is required to provide information on the participation rate of each of them.

In addition, in this case, there is the concept of an additional grant. This is the name of the subsidy received by the winner in multi-stage competitions. At the first stage, the commission selects a number of participants who demonstrate the most obvious successes and achievements. But the competition is not completed by their receipt of grants. In the second phase, a reporting conference is held with summing up the intermediate results of the work of teams of young leaders. The one whose story is the most convincing can count on the second prize.

How to get a study grant?

Young talented students and graduates of Russian universities who do not have sufficient funds should think about this. It concerns people who are stubborn and inquisitive. Presidential grants are provided for the most talented. If enough efforts are made, everyone has a chance to get a subsidy for further education within the walls of a foreign university.

Having received an international grant, you will get the opportunity not only to study at a prestigious western institution, but also to radically improve your own knowledge of a foreign language. These grants are issued by universities, scientific foundations and public organizations. Moreover, the grant issued for training can be both full and partial.

In the first case, the amount of money is designed to cover the entire set of expenses up to travel, meals and accommodation. This is a rather rare option. Partial grants are more common.

Who can count on him?

For many years there has been a program according to which many talented Russian students receive the right to free education in the United States. It is possible to win a similar grant for a high school student. After winning the competition, he travels to the United States and studies for several months at a local school with an American family. All costs are borne by the US government.

To receive such a subsidy is the dream of almost any schoolchild or student. But winning such a competition is no easy task. The chances of receiving an international grant increase for graduate students and young university professors. Participants are usually under 30 years of age.

Before applying, you should decide on the country in which it is desirable to continue education. Then the list of universities offering such programs is specified. After that, a meaningful, competent letter is compiled, and the chances increase if it is sent to several different universities. The resume lists your own accomplishments and describes your plans for the future.

Similar competitions are held in Russia. Victory in them is easier to achieve compared to international only at first glance. Grants are given to the most promising young scientists or students. If your candidacy is rejected, do not despair. After all, the number of grants is most often limited. The most persistent and hardworking, in the end, win and it always makes sense to try again next year.

21Apr

Hello! In this article, we will talk about business grants.

Today you will learn:

1. What is a grant and how to get it;
2. What are the features of issuing grants;
3. What government programs to help businesses operate in the Russian Federation.

It is no secret to anyone that some large business projects have been brought to life thanks to outside support. To take advantage of this opportunity, you need to make a serious effort. How to act in this direction, we will talk today.

What is a grant

This is gratuitous assistance in cash or in kind, which is directed to scientific research, education, and other purposes.

This assistance can be received by both the organization and individual. The use of funds must ultimately be accounted for.

It should be noted that the state is interested in sponsoring small and medium-sized businesses, since its presence is a counterbalance large companies, which, if absent, become monopolists in the market, and therefore have a destructive effect on the state as a whole.

What role do subsidies play?

The use of the grant system supports such projects that cannot be called profitable initially, but they play a really important role for society as a whole, a separate region, a separate city. Not all activities are fully funded by the state, in such cases support is provided in the form of grants.

Who can issue a business grant

• private foundations;
• State;
• foreign organizations.

The requirements for the recipient of the grant are different in each case. Therefore, applying everywhere simply does not make sense, it is better to immediately select a source that suits your type of activity and work to fulfill its conditions.

And now let's move from the general to the specific, namely, to grants to small and medium-sized businesses.

Legislative regulation

Issues of government assistance to small and medium-sized businesses are regulated by the Federal Law “On the development of small and medium-sized businesses in the Russian Federation”. In each region of the country there is a body that helps to implement measures to help entrepreneurs.

Grants for start-up entrepreneurs

The dream of getting a grant to start a business does not leave almost every aspiring entrepreneur. But not everyone can apply for this, but only those citizens who are unemployed and registered with employment centers, or those who wish to expand and increase the volume of an already existing business.

Funds that are state-owned more often issue grants to people who are just starting their journey as an entrepreneur.

In this case, preference will be given to the following categories:

• Citizens who fell under;
• Preferential categories (single mothers, persons with disabilities, and so on);
• Graduates of higher educational institutions;
• Citizens who are the authors and owners of any innovative technologies;
• Citizens using innovative equipment in their business;
• Taking part in various fairs and exhibitions.

In accordance with the law, those citizens who have reached the age of 18 and want to run their business on the territory of our state can receive a grant.

This option of assistance can also be used by those who have a certain amount of funds in order to already have it.

The state compensates part of the costs in the amount of 500,000 rubles. How to get such a grant, consider step by step.

How to get a grant or subsidy

Step 1. Examine funds.

This also includes getting to know the areas that are supported and studying the requirements for candidates.

You need to look for a suitable fund in your region of residence or in your city. The foundation may be public or private.

Step 2. Make a business plan.

Business support programs in Russia

Now we will consider several programs to support small and medium-sized businesses in the Russian Federation.

Support from the Skolkovo Foundation

They are provided in a mini-format (up to 5 million rubles) and in amounts up to 150 million rubles.

Companies that operate in the following industries can apply:

• space-related;
• nuclear research;
• Biomedicine;

To receive a grant, you need to do the preparation of documentation.

It usually includes:

• the project itself;
• Presentation;
• Financial plan with its full justification;
• Estimate;
• Memorandum.

The application passes the initial approval, then it is sent to the grant service, which checks the veracity of the information received. After that, experts evaluate it on a ten-point system. If the score is higher than 5 points, the application is submitted to the grant committee for consideration. If the score is lower, the project is screened out.

Ultimately, the committee decides on the project by a simple majority vote. The commission consists of 12 to 14 people.

If the project is submitted to the committee for consideration, the chance of getting a grant is great.

Grants from social networks "Vkontakte"

Most young people now know what social media is. network "Vkontakte". It is used to communicate with friends, work colleagues, to find new friends. But few people are aware that this network has a fund that sponsors start-up businessmen.

Note that the grants are issued by Pavel Durov and businessman Yevgeny Milner. And there are lucky ones who have become owners of such support. The amount of the grant is rather big, 25,000 dollars, it is quite capable of becoming a help for a novice businessman.

Support from the Government of Moscow

The grant amount is half a million rubles. A company that has been operating for no more than 2 years can apply for receipt, a number of restrictions on receipt also apply.

A company that is engaged in trade, sale of tobacco and alcoholic products. Also, those whose activity is the gambling business cannot count on help.

To receive this subsidy, you need to apply with an application to the Department of Science, Industrial Policy and Entrepreneurship. The application must specify all the parameters of the project and set out the ways of its implementation. If the project is approved, the Department concludes an agreement with the winner within 15 days.

Grants from the Foundation for Assistance to the Development of Small Forms of Enterprises in the Scientific and Technical Sphere

All the work of the fund is aimed at interaction with start-up companies in the Russian Federation. A candidate can apply for 1 million rubles or 200 thousand rubles every year for 2 years.

The Fund usually supports small businesses whose activities are related to promising areas of the future. This can include the development of new materials, biotechnology, the creation of new instruments and apparatus, and so on.

The Foundation holds various events in major higher educational institutions and enterprises of the Russian Federation. Among the events there is also a competition of grants, the participants of which can be the authors of interesting and promising projects.

The application is considered by an expert committee, which decides whether to allocate a grant or not. The funds are not paid out at a time, they are divided into several parts.

Support for IT companies from Microsoft

This company is the most successful, and its creator is the wealthiest person in the world. The company supports talented start-up businessmen in the field of IT. The grant amount is 30 - 100 thousand dollars.

A distinctive feature of such support is that funds can only be allocated for the development or refinement of a project that already exists. These funds cannot be used for advertising and promotion of the project.

Mandatory requirements for the candidate are as follows: he must have a highly qualified team, the use of Microsoft technologies.

To get support, the candidate must go through several stages and at each prove himself from the best side.

At the first stage, you need to pass the selection, according to the information specified in the application. It is necessary to characterize the project, talk about its positive aspects, justify its benefits for society as a whole.

At the second stage, the candidate is interviewed by phone or Skype. Based on the results, a rating is compiled, and several projects will be allowed to be defended before the selection committee.

Consider here important point: the conversation is only on English language, which means you need to own it at the highest level.

At the third stage, a presentation is held in the office of the foundation itself. It should be meaningful, effective, able to interest. If it is successful, the project is approved and the grant is paid.

How to deal with funds received

The funds received as a grant can be characterized as a kind of agreement between an entrepreneur and an investor.

Therefore, the entrepreneur under this agreement has certain obligations that he must fulfill:

• All funds should be spent only in full accordance with the objectives of the project;
• Reporting on the use of funds must be submitted within the terms specified in the contract;
• If there is any force majeure, you should immediately contact the fund that issued the grant;
• The grantee cannot refuse to verify the correctness of spending Money.

If the grant is not used for its intended purpose, or other conditions of the agreement are not fulfilled, the fund may initiate its termination, as well as apply to the judicial authorities with a claim for the return of the allocated money.

To clarify, you must understand that getting a grant is not the most difficult thing, you also need to fulfill the requirements of the fund that allocated it to you.

Conclusion

To get a grant for your business, you need to stock up on time and patience. It will also be necessary to develop a project and a business plan, which will be considered by the commission. It is not an easy task, but all the costs of your efforts will be justified.

Starting a business involves a significant financial investment. If it is difficult for an entrepreneur to accumulate the required amount of funds, he can resort to the help of the state or private individuals. Exist special programs to stimulate business development. To participate in them, you must meet a number of conditions.

Who can receive grants

To whom are grants given? It depends on the specific program. However, in most cases it is the following list of persons:

• The entrepreneur is unemployed, he is registered with the employment center.
• Entrepreneurs who already have a business, but want to expand it.

Funds provided under the program must be spent on the basis of a previously prepared business plan.

Foreign grants are usually given to those individuals who have previously successfully participated in programs. State programs, as a rule, are intended for beginner entrepreneurs. Preference is given to these categories of persons:

• University graduates.
• Professionals who have been made redundant.
• Employees subject to layoffs.
• Single mothers.
• Persons with disabilities.

That is, grants are provided to the most vulnerable citizens. However, other citizens may also be eligible for the program:

• Individuals who already have a business that has been operating for at least a year.
• Persons who are developers of innovative technology.
• People who have signed a leasing agreement for the purchase of equipment.
• Entrepreneurs participating in exhibitions and fairs.

If an entrepreneur expects to receive a grant, when starting a business, he can focus on exactly which areas usually receive funding. 30% of the grants are for service businesses. The state usually finances projects in the following areas:

• Agriculture.
• Education and science.
• Production.
• Subjects, the introduction of which creates new jobs.

Foreign funds prefer these areas:

• Ecology.
• Culture.
• Economy.

NOTE! How more business entrepreneur fits the preference of the fund, the more likely it is to receive a grant. Experts believe that educational courses that have the greatest chances for funding have marketing agencies, car repair shops and other service providers.

The procedure for obtaining a grant

What do you need to do to get a grant? You need to go through three steps:

1. Studying the requirements of a particular fund.
2. Submission of an application.
3. Preparation of documents.

Let's consider all these stages in more detail.

Requirements for applicants

Consider the requirements that are usually placed on applicants:

• Submission of a correctly completed application.
• Business project protection.
• Implementation of the project in accordance with previously developed documentation.
• Providing a report on the spent funds.

The grantee must Special attention devote to business project development and reporting. The first will allow you to receive funding, the second - to correctly account for the money provided.

Deadline for consideration of applications

The timing of consideration of applications depends on which grant the entrepreneur is applying for. They can vary from a month to a year. You can find out about current grants and terms at the Center for Enterprise Development or at the Ministry of Economic Development.

Documenting

To receive a grant, you need to prepare documents such as:

• Request.
• Entrepreneur's questionnaire and a copy of the passport.
• Evidence that the person knows the basics of entrepreneurial activity (for example, certificate of completion of courses, diploma of higher education).
• IP registration certificate.
• A document confirming the payment of taxes.
• A paper stating that a person creates jobs.
• A business plan, each item of which is rational and justified.

This is a general list of documents. The Fund may require additional paperwork.

When applying to the fund, you should consider these recommendations:

• Sometimes an entrepreneur is denied funding due to the fact that the application contains too much small amount. Therefore, it is recommended to overestimate it. When determining the required amount, you need to take into account the size of the commission.
• It should be borne in mind that financing is usually carried out in installments. We need to think about how this or that part of the funds will be spent.
• Even if the entrepreneur wins the competition, it must be taken into account that the funds will actually be issued only after 2-12 months.

In order to increase the chances of financing, the potential requirements of investors must be taken into account.

How the committee decides on funding

A special commission is formed to consider applications. Its representatives check the submitted documents and the business plan. To be approved, a plan must meet these characteristics:

• Needed financial indicators and their rationale.
• A description that the investment will actually work.
• Presentation of information in such a way that the commission understands the prospects for business development, its profitability.
• Indication of directions of financing.
• An indication that the entrepreneur is going to create jobs. The more jobs it creates, the more likely it is to receive subsidies. This is due to the fact that the state is fighting unemployment, and therefore provides funds primarily to those entities that will allow the unemployed to find jobs.

Receiving a grant does not mean that the business will be opened solely on the funds provided. An entrepreneur must also have his own capital. It is desirable that it be approximately 2 times the amount of the subsidy.

When an entrepreneur is denied funding

Full compliance with all conditions is not a guarantee of receiving a subsidy. The commission may refuse for these reasons:

• The entrepreneur has already worked in this field of activity, but his experience was negative.
• The person has been seen in the past for misappropriation of grant funds.
• An entrepreneur opens a business in an area that is not subject to public funding.

Some areas of business activity are not funded. This is due to the fact that they are not considered socially significant, do not stimulate the economic condition of the region. For example, these are the following entities:

• Credit organizations, investment funds, pawnshops.
• Organizations dealing with currency.
• Lottery and betting firms.
• A company that manufactures goods subject to excise taxes.

It makes no sense to require subsidies for such enterprises.

Where can I get a grant in 2018

State subsidies are provided by these entities:

• Small Business Development Committee.
• Economic Development Committee.
• Municipalities.
• industry committees.
• Department of Entrepreneurship.
• Foundation for the Promotion of Small Businesses in the Scientific and Technical Sphere.

An entrepreneur can also apply to private funds. For example, young startups are funded by Pavel Durov, Yuri Milner. The funds are allocated by the Skolkovo Foundation. It provides from 5 to 150,000,000 rubles for scientific developments in the field of space technology, biomedicine. IT startups are funded by Bill Gates. However, to receive foreign funds, you need to meet rather stringent requirements.

To implement any business idea, you need a certain start-up capital. If you don't have the money to start your own business, don't give up on your dream. The easiest way out of this situation is to turn to the state for help. How to get grants for starting a small business for start-up entrepreneurs in 2019, you will learn from this article.

To whom are grants given?

Almost every entrepreneur dreams of getting a grant to start a business. However, only unemployed citizens who are registered with the employment center, or entrepreneurs who want to expand their existing business, can apply for a cash subsidy.

When issuing grants for opening a business in 2019, foreign sponsors insist that the allocated funds be spent in full accordance with the business plan. The government pays more attention social protection population and employment of citizens. Concerning, foreign investors usually finance enterprises that have already taken part in such programs, and state funds more often issue grants for starting a business for start-up entrepreneurs. At the same time, they give preference to socially unprotected segments of the population:

• University graduates;
• Citizens who have fallen under the reduction;
• single mothers;
• Disabled people, etc.

By law, a grant for opening a small business in 2019 can be received by citizens who have reached the age of 18 who want to start entrepreneurial activity on the territory of our country.

Application deadlines

Now let's try to figure out where to get a grant to start a business. First of all, visit the district center for the development of small businesses. They will tell you where to apply and what documents you need to collect. In addition, information about holding competitions for obtaining state grants for starting a business can be found in regional printed publications or on the Internet. You can also find out about the deadlines for submitting applications and the requirements for participants in the competition from the Ministry of Economic Development and the local administration.

If you try hard, you can find a fund that will finance the most extravagant project. And yet, in order to be guaranteed a grant, you need to look for more. Experts recommend that beginners focus on the service sector.

You can open:

• Training courses;
• auto repair shop;
• cleaning company;
• design studio;
• Marketing agency.

If you don't know, you can rent commercial and residential real estate. But in this case, one cannot count on the support of the state.

Requirements for applicants

Each fund that issues grants imposes certain requirements on the participants of the competition. As a rule, these queries are similar, so we can distinguish a number of general requirements to be met by applicants for cash aid:

• Filing an application;
• Project development;
• Project protection;
• Project implementation;
• Full report on the funds spent.

There are also many small nuances that should not be overlooked. It often happens that a person presents a brilliant project, but cannot figure out the targeted spending of funds, and is refused. At first glance, it may seem that spending money is easy, but if it is someone else's funds received for the implementation of a specific project, everything is much more complicated.

Therefore, before submitting an application, carefully study all the reporting rules - the terms, the form of the report and the procedure for providing information. In this case, you can easily account for every penny spent.

The easiest way is to get a grant for rent or purchase of premises, as well as the purchase of equipment, raw materials and materials. In addition, it should be taken into account that almost all state programs for financing small businesses are aimed at combating unemployment, so the commission gives preference to entrepreneurs who create new jobs.

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How are applications decided?

Most main question, to which many aspiring entrepreneurs are looking for an answer - how to win a grant to start a business?

The commission, which decides on applications, carefully checks all documents, and in particular the business plan. It must contain all the necessary financial and economic indicators and their detailed justification. Describe in detail. In this case, the members of the commission will get a clear idea of ​​the prospects for the development of your business and the effectiveness of the project.

An entrepreneur who does not provide such calculations is likely to be refused. In addition, the business plan must clearly indicate where the money received will be spent. It is necessary to calculate everything in such a way that the members of the commission are convinced that these funds are not the main ones for you. The state does not support newcomers who want to start their own business solely at the expense of a gratuitous subsidy. It is desirable that the size of your personal start-up capital about twice the amount of the subsidy.

Another important point is the creation of jobs. The more people you can employ at the enterprise, the better, since every project eligible for government funding must be aimed at combating unemployment. But at the same time, the number of jobs should not have a negative impact on the profitability of the project.