Financial assistance to entrepreneurs from the state. What assistance can the state provide to individual entrepreneurs? Grants for small business development

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 view state aid 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's best if your future business will have a social focus and you will 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 the fact, that is, you must pay for registration at your own expense, and then provide documents on payment 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% own funds, and the state will compensate the rest of your business development costs. 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. For spent public funds You will need to report in detail. You can find out all the details in the authorities local government 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. At positive decision The fund draws up a tripartite guarantee agreement.
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 view assistance to small businesses from the state - compensation for part of payments under leasing agreements. If you are leasing production equipment or transport, 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 - 5% to entrepreneurs who work in the manufacturing or agricultural sector, provide household services, that is, they are engaged socially meaningful activity. 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» operate in Bryansk, Voronezh, Kostroma, Kursk, Lipetsk, Moscow, Omsk, Tula and many other regions.

Also, since 2016, reduced rates have been introduced in some regions as anti-crisis measures to support small businesses. 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 is a database of all government and municipal organizations, which 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.

In recent years, the government has placed great emphasis on the development of small businesses. The relevance of these measures cannot be underestimated, since the development of this particular industry is the solution to the issue of reducing unemployment. Development and implementation government programs aimed at helping small businesses is, in the 21st century, the most effective tool increasing the level of employment of the population.

Small businesses, in conditions of fierce competition, experience many problems. They are especially evident in the process of the birth of a new enterprise and its introduction to the market. Due to the fact that not every beginning entrepreneur has enough cash, the state takes over them financial support .

In a complex of legislatively supported forms of financial support includes:

• one-time subsidy
• guarantee funds,
• development programs.

State policy to promote small business development

First attempts legislative regulation this issue in Russia were made back in 1993. Then, with the advent of the resolution “On priority measures for development and state support small business in the Russian Federation” began the first steps of the government towards supporting small businesses. This resolution provided for the development complex of tax and financial benefits, the provision of which was a mandatory requirement for the development of a market model of the economy.

More than 20 years have passed since then. The experience gained at the highest level was reflected in new legislative acts. And the result of countless blunders and mistakes associated with measures taken for development was the most elaborate preferential policy ever provided by the authorities.
The reason for the authorities’ decision to take such emergency measures was the self-liquidation of more than 500,000 individual entrepreneurs that occurred in 2013. The impetus for such extremes was the ill-considered actions of the government, which were short-sighted. By increasing taxes on small businesses and increasing control over entrepreneurs, the state was going to replenish its budget, but ultimately this led to job losses and contributed to an increase in the unemployment rate in the country. The government did not take into account that the jobs provided by small businesses are much more important than taxes.

As a result, the Ministry of Finance has identified a set of measures aimed at correcting the mistakes made and activating the interest of entrepreneurs to doing business.

Among them, it is worth highlighting the following measures, the implementation of which began in 2014:

A range of services provided by the state

Federal Law No. 209, which was adopted in 2007, served as a good basis for development small business at the state and local level.

According to this law, the state assumes the obligation to provide a whole range of services aimed at ensuring that entrepreneurs, creating new business, had the opportunity to better navigate the market.

This complex consists of 5 types of support provided by the state:

• Financial support

The government provides various subsidies, investments from the budget, and provides state and municipal guarantees for loans and other obligations of small businesses.

Thus, a certain infrastructure to support entrepreneurs is being created using federal budget funds.

• Property assistance

The state or municipality helps entrepreneurs by transferring their property to them for possession or temporary use.

Land plots and buildings, structures and non-residential premises. It can also be: equipment, machines, various mechanisms, machine tools and other vehicles.

It should be noted that the transferred property must be used for its intended purpose.

• Information support

It involves supplying entrepreneurs with the information necessary for decision-making through the creation of federal, regional and municipal information systems.

• Consulting support

Security necessary conditions to assist small businesses by creating special organizations who will provide free consulting services.

• Staff development

Development expected educational programs, which will be aimed at improving the level of qualifications of personnel working in small enterprises.

Stimulus measures

To stimulate citizens' interest in starting their own business:

• applies simplified registration system small enterprise,
• simplified system introduced product certification and activity licensing
• various exhibitions and promotions are held,
• but the most important privilege for entrepreneurs is possibility of receiving a subsidy to open a small business.

Each region Russian Federation selects the most important areas of development and determines the amount of financial support for this area on an annual basis.

Directions of development

If you are going to open your unique business, but are experiencing difficulties with financing, then first of all you need to turn to the state for help.

Federal programs Assistance to entrepreneurs works in the following areas:

• Development of the sphere housing utilities . Support is provided to entrepreneurs engaged in the field of construction, provision of public services and transport services citizens of the regions.
• Government programs aimed at youth development. Subsidies provide additional opportunities for young people who were unable to receive support for their main activity.
• Social programs, supporting pensioners or the development of education and culture.
• Service in the regions.
• Craft development.
• All types of production activities.
• Development of innovative technologies.

Every aspiring entrepreneur has a chance to receive irrevocable financial support from the state. The amount of this assistance is fixed depending on the region.

Important to know that if you have existed as a small business for more than 1 year, then this program will not apply to you.

Also take into account that subsidies are issued only if the newly-minted entrepreneur has available initial capital to create a business. The state provides only partial financial assistance, which should serve as a catalyst for starting a business.

At the moment the most current trends small business support is popularizing it among young people. To attract young entrepreneurs to business, special government support programs are being developed.

They are provided with more favorable conditions rent and the possibility of preferential payment for services. So, in addition to receiving free assistance from the state, young entrepreneurs can receive preferential loans, which provides more significant assistance in organizing your business.

Everyone knows that money is the engine of the economy, and in the case of starting a new business, it is always needed like air. Progressive movements of the state in the field of small business development have led to the creation profitable business environment.

Acting as a guarantor for the obligations of entrepreneurs, the state artificially fuels interest of commercial banks in small businesses.

Sberbank of Russia has done a lot of work in the area of ​​financing small businesses. Thus, over the past years, this bank has developed several effective preferential lending programs small businessmen.

As a result of close cooperation with entrepreneurs, Sberbank actively issues loans to them without collateral, providing them with guarantees from government agencies. Thus, at the end of 2013, Sberbank was able to take 1st place among all Russian banks in terms of the volume of loans issued to small and medium-sized businesses.

To help, Sberbank provides small businesses with loans to replenish working capital and purchase fixed assets.

Preferential lending programs from Sberbank

There is a bank 3 preferential lending programs:

• "Business turnover" - issued to increase working capital and for business development.

The preferential loan is provided for a period of up to 48 months at 14.36% per annum. The maximum loan amount under the program is 150 thousand rubles.

The advantages for entrepreneurs are low interest rates, long loan terms and the possibility of refinancing debt existing in another bank.

Sberbank provides the opportunity for pre-financing up to 70% of the amount government contract. The maximum loan amount is 200 million rubles. The loan is issued at 14.86% per annum for a period of up to 28 months.

The advantage of this preferential loan is that the repayment schedule is drawn up in accordance with the payment dates under the contract.

• Overdraft type loan - Entrepreneurs have the opportunity to take advantage of this lending program in case of insufficient funds in the account.

If the need arises to make expenses, they can receive up to 17 million rubles for a period of up to 12 months. The overpayment to the bank on the loan is 12.09% per annum.

Business Start loan from Sberbank

A huge step towards meeting entrepreneurs who intend to start their own business has become a new loan “startup” product “Business Start”.

Sberbank offers to issue loan for 5 years at 18.5% per annum. The maximum loan amount is 7 million rubles.

Moreover, special trainings basics commercial activities will help a novice businessman avoid many pitfalls on the path to entrepreneurial success.

Key source for financial analysis the borrower will act as his business plan or agreement defining the terms of franchising.

The bank provides financing opportunities up to 80% of the initial contribution to the business, providing the loan with a guarantee and government guarantees.

For the past 30 years, government agencies have been constantly searching for solutions to improve the business environment. The main emphasis in the research is on the development of small and medium-sized businesses. By 2014, the infrastructure created by the state had taken its final form.

Now every aspiring entrepreneur can feel the care of the state, having the opportunity to receive subsidies for starting and developing a business or taking advantage of other benefits provided.

On the territory of the Russian Federation, state financial assistance is provided for the development and support of small businesses.

But what programs are provided? How will you receive a subsidy if you are just planning to open a business?

Legislative framework

Small business subsidies today are regulated by the following: legislative acts:

1. Federal Law No. 209, which regulates the development of small and medium-sized businesses in the Russian Federation;
2. Order of the Ministry of Economic Development, which provides the opportunity to receive subsidies for the development of small businesses;
3. Decree of the Government of the Russian Federation, which guarantees the provision of state assistance for the development of small businesses if certain conditions are met.

For what needs can a cash subsidy be allocated?

It is worth remembering that this subsidy is free of charge. financial assistance for subjects entrepreneurial activity, which may be provided for a specific intended use.

For small businesses, the subsidy may be provided for the implementation of one of these purposes:

• purchasing or leasing the necessary premises;
• acquisition necessary equipment or goods for further sale;
• acquisition of intangible assets.

The funds allocated by the state must mandatory be sent solely to promote your small business.

After a certain time, local regulatory authorities may require the entrepreneur to provide confirmation that public funds were used for their intended purpose; in the absence of reporting, administrative or criminal liability may be imposed on the entrepreneur.

Types and amounts of subsidies

All federal subsidy programs are implemented with the help of the Small Business Assistance Fund.

Today there are such subsidy programs:

Let us consider the amounts of financial assistance provided separately for each type.

“Umnik” program

Under this program, an entrepreneur aged 18 to 30 years has the right to receive financial assistance in in the amount of 500 thousand rubles.

This program is intended for young entrepreneurs who operate in the field of innovative technologies.

"Start"

The main goal of this subsidy program is to assist innovators who seek to develop and launch production of a new product in any field based on the results of scientific and technological research.

It is necessary to take into account that this program operates on the principle of public-private cooperation. This means that part of the funds is taken from the country’s budget, and the second part is sponsored by investors.

Thus, the first year is financed by the state, and the second by investors.

Under this program, every entrepreneur working in the field of small business has the right to claim the amount up to 5 million rubles in several stages (50% is paid by the state, the rest by investors).

"Development"

Under this program it is possible to receive a grant of up to 15 million rubles. These funds should be aimed at improving productivity, creating new jobs, and modernizing production equipment.

"Internationalization"

This program is primarily aimed at providing assistance young entrepreneur establish international cooperation with foreign partners.

This support consists of the development of non-commodity export-oriented products. There is no maximum threshold for financial assistance in this program as such. Size is calculated on an individual basis.

“Commercialization”

This financing program helps small businesses expand their capacity, and as a result, increase jobs.

Amount of financial assistance is calculated purely on an individual basis.

"Cooperation"

This subsidy program allows you to receive financial support in the amount of up to 20 million rubles. These funds should be aimed at improving production capacity, development and establishment of cooperation between small businesses and large industrial production our country.

Receipt procedure

Obtaining a subsidy in itself is a very lengthy process for a beginning entrepreneur.

Initially, you need to register your status as unemployed.

To do this you need to do several conditions, namely:

• do not have an official place of work;
• lack of registration of entrepreneur status.

After this, you should contact the employment center at your place of residence and register.

It is necessary to provide such list of documents:

• original and copy of passport;
• TIN certificate;
• certificate of education;
• original insurance certificate;
• certificate of average earnings from your last place of work.

When registering, you should indicate that there is a desire to open a small business and that the person is applying for a subsidy for its further development.

Drawing up a business plan

A business plan is an integral part of an applicant for a grant to start a small business.

This type of documentation must be contain such information:

After drawing it up, you must present the document to the department for working with citizens.

Passing the commission

After the business plan has been submitted to the appropriate structure, the applicant is informed of the date when he must appear for commission.

During the meeting, the commission asks the answers they need, and the applicant provides arguments why he should receive financial support.

Based on the results, a decision will be made to refuse or provide financial assistance.

Final stage

After receiving a positive response, you must register yourself as an individual entrepreneur and present a tax registration document to the employment center.

After this, the required amount will be transferred to the entrepreneur’s bank account.

Types and amount of subsidies in Moscow

Small businesses in the capital of the Russian Federation are provided with many subsidies. Moreover, it is necessary to take into account the fact that capital entrepreneurs have every right to count on financial assistance up to 5 million rubles.

In this case, there is only one condition - it will be necessary to present a report on where the funds allocated by the state were spent.

But what kind of subsidies are they for small businesses in Moscow?

Let's consider each type separately.

Opening and supporting small businesses

This subsidy is provided in the amount 500 thousand rubles. The funds themselves are allocated directly from the city budget of the capital.

This financial assistance can be sent:

• necessary equipment to purchase;
• purchasing the necessary software;
• other components that are necessary for successful creation and small business development.

At the same time, do not forget about the conditions under which you can receive financial assistance. It's about about such conditions:

• no more than 2 years must have passed from the date of registration of an individual entrepreneur;
• a company that is classified as a small business must employ less than 250 people;
• The company must be registered with the tax authorities and must not have various debts.

Subsidy for the return of interest on the loan

This type of subsidy is used most in demand for beginning entrepreneurs. It allows small business owners to provide significant loan repayment support, who was registered to open his own business.

Under the terms of the subsidy, the local municipality repays the loan debt in part.

For this it is necessary meet some conditions:

• presence of individual entrepreneur registration;
• The individual entrepreneur is registered with the tax authorities;
• presence of a valid loan agreement, which is no more than 2 years old.

In addition, it is necessary to take into account the key condition - the individual entrepreneur should not be from the trade sector, and the loan itself should not be aimed at purchasing current assets the company itself.

If we talk about the maximum amount of such a subsidy, then this figure is about 5 million rubles.

Reimbursement of expenses for leasing payments

This type financial assistance to Moscow entrepreneurs is very relevant, since under this program you can get up to 5 million rudds.

Financial resources are provided by local governments if the entrepreneur has a financial lease agreement, which was signed no later than 2013 (if it was signed in 2012 or earlier, it can no longer be used).

The financial support received for this subsidy must be confirmed by a corresponding report after several months.

Features of obtaining subsidies for small businesses in Moscow

Moscow entrepreneurs have many advantages compared to their colleagues in other regions. After all, Muscovites can count on financial support in the amount of up to 5 million rubles.

In order to receive any subsidy for a start-up entrepreneur must submit a corresponding application with all accompanying documents to the State Budgetary Institution “Small Business of Moscow”.

The main condition for receiving a subsidy is the implementation of entrepreneurial activity in the range from 6 months to 2 years - no more, no less.

In order to confirm financial activities, required with a statement provide:

• financial statements of the enterprise;
• existing rental agreements;
• various cooperation agreements and so on.

The entire package of documents with accompanying documentation is reviewed by a specialized Industry Commission.

If we talk O priority areas in the capital, then these are:

• sphere of innovative technologies;
• healthcare field;
• education;
• social sphere;
• hotel business or tourism.

After the commission’s decision, the entrepreneur receives the necessary financial support, and after the same commission, a few months later, a financial report is presented on the intended use of the allocated funds.

For information on this type of state assistance for entrepreneurs in the Russian Federation, see the following video:

Doing business in our country requires a large amount of resources. In order to comply with all legal requirements, you need to work hard. Too many restrictions, requirements, and obligations arise for small businesses when working and interacting with authorities and regulatory authorities.

However, not only does business experience pressure from the state, but it can also count on certain assistance, including financial assistance. A review of such assistance will make it possible to find benefits in relations with the government apparatus.

What types of government assistance are there for small businesses?

Representatives of small and medium-sized businesses can count on receiving the following types of support under federal and regional targeted programs:

• Information support and consulting(conducting seminars and courses, disseminating information, preparing training materials);
• Infrastructure support(creating an environment for business development, business incubators and entrepreneurship development funds);
• Support for innovation and scientific and technical developments;
• Organizational assistance in fair and exhibition activities(preferential or free provision of places at events and exhibition equipment);
• Simplification of such components of the activities of SMEs, How legal regulation, accounting support, licensing procedures and registration of permits;
• Financial support measures(subsidies, grants, compensation, benefits).

Business representatives are most interested in the areas of financial assistance, however, much more money is spent from the budget for all other programs and types of support. For this reason, it is worth carefully considering other options for preferences for representatives of small and medium-sized enterprises. However, it is worth talking in more detail about the types of financial support.

Free assistance to small businesses from the state

In addition to preferential loans from the state, which will have to be repaid, other gratuitous financial payments are also allocated from the budget for businesses.

Small businesses will not have to pay for such assistance from the state; it is enough to fulfill all the conditions for receiving it and spend it for its intended purpose.

Types of gratuitous assistance from the state:

• Grants for beginning entrepreneurs(existing up to 1-2 years) from the budget to partially pay the costs of implementing the business plan (but not more than 300 thousand rubles), while the recipient must contribute independently, depending on the region, 30-50% of the budget of the entire project.
• Non-repayable subsidies for business development who already have experience in conducting business, are issued for the purchase of fixed assets in the amount of 50-90% of the value of the acquired assets, in the amount of up to 10 million, depending on the region of receipt.
• Grant for self-employment– in the amount of an annual unemployment benefit (58.8 thousand rubles) is issued to officially registered unemployed people to start their own business, and for each employed unemployed person you can also receive this amount.
• Compensation for part of the costs of paying off the loan for the purchase of equipment and machinery or payments under a leasing agreement - part of the interest (in the amount of 1/3-2/3 of the refinancing rate, that is, 2.75-5.5% per annum) accrued on these transactions is compensated from the budget, compensation is paid in fact, you need to present documents confirming payment of loan installments.
• Subsidizing 2/3 of the costs of participation in exhibitions and fairs(rent of equipment, registration fee, delivery of equipment and products) on the territory of the Russian Federation and in foreign countries, but not more than 300 thousand rubles.

Separate support programs exist for enterprises that are agricultural producers. In addition to machinery and equipment, they can receive funds for the purchase of breeding stock or seeds of cultivated plants. But the basic parameters of all business programs in any industry are similar.

Entrepreneurs can receive support from both the state and banks. For example, it offers several options for mutually beneficial cooperation and useful services.

Practice shows that it is easier to get help for those who are planning to open a business in small town. we have already discussed this issue.

If future production will help preserve the environment or have a socially significant focus, then it makes sense for those entrepreneurs who plan to purchase to seek help from the state.

How to get this help

Only those business entities that are already familiar to the authorities and are included in the register of support recipients can receive all types of assistance from the state. But small businesses that plan to take advantage of financial assistance will also need to take part in a competitive selection process.

It is necessary not only to bring the statutory and registration documents to participate in the competition to receive the selected support from the state, but also to fill out a special application, the information in which will be the basis for selecting program participants.

Each significant criterion is assigned its own points and simple calculation and comparison helps to select those who deserve to receive funds from the state pocket.

The main evaluation criteria include: the number of jobs created, budget efficiency (taxes and fees), social significance business, as well as other specific parameters, each of which is assigned its own point values.

Additionally, for beginning businessmen and those enterprises where expansion and modernization of production is planned, a business plan will be required.

With the help of all these various government programs to support small businesses in every region of the country, you can find the opportunity to create and develop your own business with help from the budget. Moreover, it is not necessary to return the money invested in your business by the state - there is free assistance.

Video: webinar “How small businesses can get subsidies from the state”

No instability in the economy will stop a true entrepreneur from starting a business. However, lack of funds always becomes an obstacle, and sometimes seems insurmountable. But there are no problems that cannot be solved. You can try to get a government subsidy to start your own business. The legislation provides for the opportunity to receive a subsidy for opening and supporting small businesses. There is a certain list of assistance that can be received from the state:

• subsidies for the unemployed, for opening own business;
• assistance for the development of their own business, provided for beginning businessmen;
• the state can act as a guarantor in a loan or leasing agreement;
• partial compensation of interest on loans;
• partial repayment of debt under a leasing agreement;
• facilitating the issuance of preferential loans;
• reimbursement of expenses spent on participation in fairs or exhibitions;
• preferential taxation.

Subsidies for the unemployed

People who have lost their jobs are given the opportunity to receive subsidies to start their own business. Today you can get about 59 thousand rubles. This type of subsidy is provided free of charge. To receive assistance, it is necessary that the person is registered at the employment center as unemployed and. Some regional branches Employment centers offer preliminary short training in the basics of entrepreneurship.

Most often they help projects that have a social orientation or involve the creation of new jobs. You cannot receive a subsidy if your business activity involves the circulation of alcohol, network marketing or opening a pawn shop. For each hired employee you can receive an additional 59 thousand rubles.

The only negative is that if the business lasts less than 1 year, then the government money will have to be returned.

Read also: Which is easier, register an individual entrepreneur or open an LLC in 2019

Help for beginning businessmen

The amount of subsidies in this case is more impressive, about 300 thousand rubles. But in order to at least have the right to apply for help, the business must have already existed for at least 1 year.

You will have to draw up and defend your business project. Conditions for state participation in the project are 50X50 or 50X70. You can spend money on purchasing equipment, purchasing raw materials, or even paying rent. The main condition is that the company should not have debt on social benefits and taxes. Mostly money is given for socially significant projects, that is, for business in the field of healthcare and consumer services.

Guarantee in contracts

In almost every region there are guarantee funds that have the right to guarantee banks for a specific entrepreneur. Such assistance is provided on a paid basis; you will have to pay about 1.5% of the transaction amount for which a guarantee is required. The entrepreneur and the guarantee fund must be located in the same region.

Partial interest repayment

Such assistance can be provided to almost any type of business activity. The amount of compensation largely depends on the refinancing rate that is in effect at the time of assistance and the size of the loan agreement.

Partial reimbursement of expenses under the leasing agreement

This program is provided mainly for those entrepreneurs who have entered into leasing agreements for the purchase vehicles and production equipment. The amount of partial repayment largely depends on the region. For example, in Moscow you can count on a subsidy of 5 million rubles.

Preferential loans

To become a participant in preferential lending, you must contact the business support fund at the location of the entrepreneur. The amount of assistance can be a minimum of 10 thousand rubles, or a maximum of 1 million rubles. The average loan term is 2 years.