58800 from the employment center. Subsidy for starting your own business: how to get money from the state when opening an individual entrepreneur and LLC

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

But what exactly are the programs? How will he receive a subsidy if he only plans to open a business?

The legislative framework

Subsidizing small businesses today is regulated by such legislative acts:

1. the 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 an opportunity to receive a subsidy for the development of small businesses;
3. Decree of the Government of the Russian Federation, which guarantees the provision of state aid for the development of small businesses under certain conditions.

What needs can be funded?

It should not be forgotten that this subsidy is a gratuitous financial assistance for business entities, which can be provided for a specific intended use.

For small businesses, the subsidy can be provided for one of these purposes.:

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

Allocated funds by the state must be mandatory be directed 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 carried out with the help of the Small Business Assistance Fund.

Today there are subsidy programs:

Consider the size of the provision financial assistance separately for each type.

Program "Umnik"

Under this program, an entrepreneur between the ages of 18 and 30 is eligible to receive financial assistance in in the amount of 500 thousand rubles.

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

"Start"

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

It must be taken into account that this program works 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 in the sum up to 15 million rubles. These funds should be used to improve productivity, create new jobs, and modernize production equipment.

"Internationalization"

This program is primarily aimed at helping a young entrepreneur to establish international cooperation with foreign partners.

This support consists in the development of non-commodity export-oriented products. In this program, as such, there is no maximum threshold for financial assistance. Size calculated individually.

“Commercialization”

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

Amount of financial assistance calculated 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 used to improve production capacity, development and establishment of cooperation between small businesses and large industrial production our country.

How to receive

In itself, obtaining a subsidy for a start-up entrepreneur is a very lengthy process.

Initially, you need to register your status as unemployed.

For this you need to execute multiple conditions, namely:

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

After that, you should contact the employment center at your place of residence and become registered.

It is necessary to provide such list of documents:

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

When registering, it should be indicated that there is a desire to open a small business and that a person is applying for a subsidy for its development in the future.

Drawing up a business plan

A business plan is an essential part of a small business grant applicant.

This type of documentation must be contain such information:

After its preparation, it is necessary to present the document to the department for work with citizens.

Passing commission

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

During the meeting, the commission sets 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.

The final stage

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

After that, the required amount will be transferred to the current account of the entrepreneur.

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 are they - subsidies 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 aid can be directed:

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

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 pass from the moment of registration of an individual entrepreneur;
• a firm that belongs to a small business should employ less than 250 people;
• without fail, the company must be in tax accounting and at the same time it must not have various debts.

Subsidy for the return of interest on a loan

This type of subsidy is most in demand among start-up entrepreneurs. It allows small business owners to provide significant loan repayment support, which was issued for the opening of his business.

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

For this it is necessary meet certain conditions:

• the presence of IP registration;
• IP is tax registered;
• the 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 IP should not be from the sphere of trade, and the loan itself should not be aimed at purchasing current assets of the company itself.

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

Reimbursement of lease payments

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

Funding provided local authorities self-government if the entrepreneur has an agreement on financial lease, which was signed no later than 2013 (if it was signed in 2012 and below, it can no longer be used).

The financial support received under this subsidy must be confirmed by an appropriate report after a few months.

Features of obtaining subsidies for small businesses in Moscow

Moscow entrepreneurs have many advantages over their counterparts 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, a novice entrepreneur must submit an 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 activities in the range from 6 months to 2 years - no more, no less.

In order to confirm financial activity, required with application 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 to speak on priority areas in the capital, then these are:

• sphere of innovative technologies;
• the field of health care;
• education;
• social sphere;
• hotel business or tourism.

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

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

State support for small businesses is an important area of ​​economic policy: today more than 5.5 million small and medium-sized businesses operate in Russia, which account for 21% of the country's gross domestic product.

It is planned that by 2030 the share of small and medium-sized businesses in the GDP of the Russian Federation will reach 45%. That is why the versatile governmental support small business.

Fundamentals of state subsidies

Support individual entrepreneurship and small business today in Russia is at the legislative level. Within the framework of the program "Stimulation of economic activity", the activities of entrepreneurs are financed.

The program to stimulate economic activity in 2020 provides additional funding, which is called a subsidy.

Subsidizing is a targeted and gratuitous state payment for starting a business. The money will not have to be repaid, as is usually done when borrowing or taking a loan.

According to preliminary information from the Ministry of Economic Development of our country, only 11 billion rubles were allocated for the entire program in 2017, while in 2014 this amount was more than 20 billion, and in 2015 almost 17 billion rubles.

These funds are divided among all subjects of Russia on the basis of competitive procedures. Due to a significant reduction in support, the regions of the country will have to independently determine the priority areas for financing entrepreneurial activities.

State funds will go to really important areas of the economy: Agriculture, trade, provision of utilities and household services, social entrepreneurship, innovative activity other.

Each small and medium-sized business has the right to count on versatile support from the state - this is regulated by various regulations and, first of all, Federal Law No. 209-FZ. Different programs have their own duration, conditions of provision and budget.

In each region of our country, the relevant authorized body. You can find a complete list of them on the website of the Ministry of Economic Development of the Russian Federation.

Types of financial support for entrepreneurs

In 2020, the amount of the subsidy will depend on the region of residence and will be issued for the following needs:

• purchase of raw materials;
• purchase of equipment;
• purchase of consumables;
• intangible assets;
• repair work.

The Sole Proprietorship Grant Program allows start-up businesses to receive government funding. The amount of the subsidy depends on the region in which the businessman lives. It has been established that the amount of the subsidy for starting a business is 12 maximum unemployment benefits. On average, the amount of payments is 60,000 rubles.

Important! When opening a business, it should be borne in mind that state subsidies cannot be obtained for the production of tobacco products or alcoholic beverages.

Financing is carried out on a non-refundable basis and only subject to availability start-up capital at a businessman. An entrepreneur can use the funds received to open and develop his activities - for example, the purchase of equipment, raw materials and materials, maintaining repair work or the acquisition of intangible assets.

Kinds financial support for small business development can approve executive agency. After receiving state financial assistance, the entrepreneur must submit a report on the use of funds. This means that every person who receives a government subsidy is responsible for its distribution and must use the funds correctly.

The rest of the financial assistance will have to be returned back, and if the fact of misappropriation of the allocated money is discovered, the entrepreneur will have to return the entire amount to the state.

How to get a grant for small business development

To get started, check if your area provides such support measures. Not every subject of the country provides subsidies for starting a business.

Financing is carried out jointly with the Center for Employment of the Population.

A person can be recognized as unemployed if he is recognized as able-bodied, does not have a permanent income, is registered with the Employment Center, is in search of work and is ready to start it (this is confirmed by visiting potential employers in the direction of the CZN). At the same time, an applicant for a subsidy may be refused if he has been unemployed for a long time for no reason.

Potential Entrepreneur ready business plan should apply to the employment center.

The applicant's business plan must contain detailed information about the planned activity, the place of its implementation, necessary equipment, materials, technologies, labor force, suppliers.

A separate place in the business plan is given to the cost of the project, taking into account own and subsidized capital. It is also important to make calculations and analysis. To do this, it is necessary to calculate the expected revenue and profit, the profitability of the project, the payback period, and so on.

A sound business plan is the key to obtaining government funding.

After agreeing on a business plan with the Employment Center, an unemployed citizen applies to the Federal tax service with an application for registration as an individual entrepreneur.

IP registration deadline normative documents, is 3 business days. After receiving the IP Registration Certificate and an extract from unified registry, a novice entrepreneur again applies to the Employment Center with an approved business plan, an application for a subsidy, a passport and documents confirming the status of an individual entrepreneur. So there is a conclusion of an agreement on subsidizing activities between a businessman and the state.

In order to receive a subsidy from the state for starting a business, it is necessary to draw up a business plan competently and in detail.

After signing the documents, the Employment Center transfers funds to the personal account of the entrepreneur.

Features of obtaining a subsidy for the development of small businesses

The main feature of obtaining state funding for small businesses is the absence of the need to return, since the funds are provided free of charge. In return, the state receives a new small business, new jobs for the population.

When concluding an agreement on subsidizing entrepreneurial activities, a businessman should be aware that he assumes a number of obligations. The main one is reporting.

Within 3 months after receiving Money from the state, the entrepreneur must submit a report with supporting documents on the use of the subsidy to the Employment Center. Fiscal and sales receipts, invoices and paid payment orders, receipts and other documents.

The report must comply with the paragraph of the business plan, which indicates the intended use of funds.

In case of partial or complete non-confirmation, the entrepreneur is obliged to return to the state the amount of the subsidy in full. Another feature of subsidizing is fixed in the terms of the contract. According to the agreement, the activity of the state-funded business should last at least a year.

Thus, the state excludes the existence of one-day firms.

Types of subsidy

The type of subsidy can be established by each subject of the Russian Federation.

A subsidy can be received not only for starting a business, but also for its development. At the same time, you can have own ideas production for a small business or open it on a franchise. The amount of money is given to individual entrepreneurs and small businesses.

Subsidies for individual entrepreneurs in Moscow

Entrepreneurs and small businesses registered in Moscow not only have more opportunities for business development, but also receive special privileges available only to businessmen from the capital. One such benefit is a business development subsidy. The amount of this subsidy reaches 500,000 rubles.

To receive financing, a novice entrepreneur must apply to the State Budgetary Institution "Small Business of Moscow" with an appropriate application and a package of documents. The condition for receiving a subsidy is an activity carried out for at least six months and no more than 2 years. To confirm the success of the business, the entrepreneur provides financial statements, lease agreements for premises, cooperation agreements, and so on.

An application with a package of documents is considered by a special Industry Commission.

Among the priority areas of subsidies are innovation, agriculture, healthcare, education, social services, hotel business and tourism. After the provision of funds, the entrepreneur is obliged to report on the intended use of financing, as well as confirm the indicated financial indicators.

Thus, the state controls not only the legality of the use of the subsidy, but also the impact of the enterprise on the economic environment of the country.

Last changes

The purpose of receiving a subsidy by an entrepreneur in 2020 is to open a new enterprise or expand an existing one.

The advantage of this financing option is gratuitous nature, and the main disadvantage is a large number of conditions and a strict selection procedure.

The Government plans to launch a geomarketing navigator system.

For this, over 200 business plans were developed in 75 areas of small business. With the help of this system, it will be easier for entrepreneurs to choose an area or niche for starting a small business.

If the project is approved, then state support will be a good help for entrepreneurs.

There are several other types of assistance to start-up entrepreneurs from the state:

1. Renting real estate on preferential terms.
2. Acquisition of state property into ownership at preferential prices.
3. Use of infrastructure specially created by the state for the development of entrepreneurial activity (technoparks, offices, business incubators, etc.).

Russia is becoming more and more attractive for doing business every year. In the World Bank's Doing Business ranking, the country ranks 35th among countries that create a favorable climate for launching and developing projects. In turn, Moscow investment attractiveness ranked second in the national rankings and fifth among European cities according to the international edition of the Financial Times.

A significant contribution to the development of the investment environment is made by both targeted programs government funding, and programs to help small businesses. In this article, we will tell you step by step about what support Moscow offers today to entrepreneurs for starting, running and developing their business:

Step 1. Registration. Consultations. Education. Choose one of the 15 Business Service Centers (TSUB), which are located in all districts of the capital and operate on the basis of the State Budgetary Institution "Small Business of Moscow". All services are provided free of charge. CUB specialists will help prepare documents for registration as an individual entrepreneur (IP) or in the form of a company with limited liability(OOO). In 2017 alone, consulting support was provided to more than 80,000 people. Aspiring entrepreneurs will be offered training at the MBM Startup School. You can also learn the basics of starting and developing your own business from successful entrepreneurs and professional business coaches online - at the MBM Online Academy. There are two training programs available at the Academy - Start and Progress. The content of the training program is based on the best business practices and case studies that are relevant in business.

The CUB will also advise entrepreneurs on various business issues: labor and civil legislation, accounting. Here they can prepare an application for the transition of the enterprise to a simplified or patent taxation system.

Step 2. Choose a premise for doing business. The staff of the center will help you get acquainted with the various options and tell you about the lease on preferential terms of non-residential premises owned by the city of Moscow. To date, the initial preferential rental rate for such premises is 4.5 thousand rubles per sq. m. m per year and 1 thousand rubles per 1 sq. m. m per year for premises located in the basement. The Central Department Store will help with information on the availability of vacant premises in city technology parks. There are more than 30 technoparks with various industry specializations in the capital. In addition, if at the beginning of your business path you do not need large areas, you can get workplace in one of the six coworking centers of the State Budgetary Institution "Small Business of Moscow".

Step 3. Decide on funding. The specialists of the Central Bank of Ukraine will consult on the sources of obtaining business financing on different stages development, will invite entrepreneurs to visit special educational programs and events where representatives of financial structures speak. From the side of the city today are carried out the following types financial support, all details on them will be provided to the CUB:

• Subsidy programs, including subsidies for compensation of interest rates on loans and lease payments, for compensation of expenses for the purchase of equipment, as well as for participation in congress and exhibition events, and others. If your organization meets the conditions and requirements for grants, you will be helped to prepare a set of documents and complete an application.
• Warranty Support Program in the Capital Small Business Lending Assistance Fund. The Fund will help to attract credit to successful companies if they do not have enough own security (collateral) for creditors. You can apply to the Fund or through the CUB. An entrepreneur can independently apply to any of the creditors-partners of the fund, among them 70 banks and 6 leasing companies. The guarantees of the Fund cover up to 70% of the loan. So, only in the first five months of 2018, thanks to this program, entrepreneurs received funding for total amount more than 9 billion rubles. It is important to understand that without state support, the vast majority of these borrowers would have been refused by lenders.
• Preferential long-term investment loans in the amount of 5 to 100 million rubles, for a period of up to 5 years, the Moscow Industry and Entrepreneurship Support Fund offers companies operating in the field of production, scientific research or software development at a rate of 5% per annum, and for residents of technoparks and industrial complexes of Moscow at a rate 2% per annum.
• Funding for start-ups in science and technology offers the capital's Venture Investment Development Fund. The Fund provides preferential loans to innovative projects that are at the earliest stages of development and registered in Moscow. To do this, the project initiator must attract funds from a private investor, and then apply for additional funding from the Fund. Today, 57 private investors work with the organization. The co-investor must invest from 50% to 200%, depending on the size of the loan of the Fund itself, which can range from 0.5 to 36 million rubles, respectively. Loan term - from 3 to 6 years with a repayment delay of up to 2 years.

Step 4. Entering the state order market. Moscow pays considerable attention to protecting the interests of small and medium-sized businesses when placing government orders: 90% of purchases are made in in electronic format. The Government of Moscow created a showcase of the city order, where 91 thousand suppliers are registered, of which 70% are SMEs, 15 million contracts worth 80 billion rubles have been concluded. On the portal, you can use the subscription service for purchases of a certain category. Participants of the state order can also receive microloans and guarantee support in the funds already mentioned above.

I have a gym in Krasnodar. I opened the gym in 2017, and to start I needed 360,000 rubles, 117,600 of which I received at the employment center - this was the maximum possible amount.

• project description;
• production plan;
• organizational plan;
• marketing strategy;
• risk assessment;
• costs and payback.

A business plan shows when a business will become profitable and how to achieve it.

Financial section from the job center template

There are no strict deadlines for preparing the plan, but I wanted to do it quickly. It took me a week to plan. I did not know some of the terms and googled on the Internet what is capital expenditures or gross profit.

The title page of my business plan. It should already have OKVEDs and money settlement, and then there are risks, marketing plan, organizational and production.

In the business plan, I wrote that I would spend the money of the center on simulators. In terms of prices and the number of simulators. I looked at the cost of simulators in the store where I planned to buy, and only then wrote it down in the plan. All this is necessary to comply with the procurement rules.

The price of simulators must be reliable: what he wrote in the business plan, you will have to buy for this. You cannot write that the simulator costs 15,000, and then buy it for 45,000.

There are two stages to checking the business plan: first, the center's accountant reviews it. If she agreed, the plan can be submitted for defense before the commission.

The plan was handed over like this: an employee of the center asked to print and bring the printout to the center, she herself will give it to the accountant. I did so, and four days later she called and said to come in. I went in, got my printout, and in it the accountant's notes.

I made a mistake in the formulas with profitability and payback period. The accountant crossed out with a pen where it was wrong. There is no such thing that you can sit down and deal with the mistakes with an accountant, so I corrected what I understood myself.

I made a mistake in the formula with the calculation of profitability: I entered the wrong numbers, so I got an accountant's visa the second time. In the example, the formula is correct.

I made corrections in a week and showed the plan to the accountant again, but I was not completely sure that there were no mistakes. Fortunately, the accountant allowed me to defend myself.

Defense of the business plan before the commission

To protect business plans, the center collects a commission. It was like this for me: in May I handed in a business plan, in early July I passed the defense. I learned about the date of protection in five days.

Business plan defense was like state exams. I went into the office, at a long table - members of the commission; As I understand it, these are employees of the ministries. I gave them printouts of the business plan and started talking about the gym. He spoke according to the points of the plan, but did not read from the sheet, but spoke from himself. The members of the commission did not interrupt, they made notes on the plan and sometimes nodded.

I built the presentation according to the following logic:

• I had a hall and I have experience, I want to open it again, because this business is close to me;
• already picked up the room and know the price. The area is 150 square meters, the rent will cost 40,000 rubles per month. The room has water, ventilation and a separate entrance;
• analyzed the area, I know how many people live here and what demand. I calculated that I would train 30 clients per month;
• I will sell cards to the hall for 1300 rubles, I will put up advertising in the district.

There were few questions for me, they asked:

• How will you do the dressing room?
• What about hoods and air?
• Why don't you want to be a doctor?
• Why was the hall in Volgograd sold and where did the money from the sale go?

Artem tells how he made the simulators

I don’t remember my answers well, but, for example, they asked: “What is the use of business for people?” I have a gym, and it's useful simply: it's the health, beauty of the population. Then the commission said that the lifting was not enough to buy all the simulators. In response, he said that I would do some of it myself, and listed which ones.

On one day, fifty people defended themselves with me, but ten received money. It helped me that I looked after the premises and opened the hall before that, so I answered questions not in the abstract, but on a concrete example.

The center has a school for entrepreneurs. If you didn’t defend your business plan the first time or didn’t have enough points on the test with a psychologist, you can study at this school. I don't know how training works. They say that teachers help with the plan, calculations and presentation for the commission.

Receipt of money and purchase of simulators

Five days after the defense, they called me and said that everything was fine. I opened an LLC and a week later I received money from the center - 117,600 rubles.

How to open an LLC

It is not necessary to open an LLC, an individual entrepreneur is suitable. The center reimburses the costs of the state duty for registering a business, for this you write an application.

After the transfer of money, the center gave a month for the purchase of simulators. The purchase has rules:

• prices in the business plan and receipts must be the same;
• for each simulator you bring a check or invoice to the center;
• You need to buy in the same city where you received the money.

I bought at the store where I looked at the cost of simulators for a business plan. Therefore, according to the checks and in the business plan, the prices are the same. In a week I bought all the simulators and took the checks to the center in a pack.

Checking the center every three months

Once every three months, employees of the center come to the hall, usually two people each. So the center controls condition for receiving money: the business must work for two years. If the employees come and the hall is closed, I will be asked to return 117,600 rubles.

Employees have a statement with them or something like that, I sign it: yes, they came. Then they take pictures of the hall and ask how things are going - that's the whole check, it takes about fifteen minutes.

The number of start-up businessmen is steadily increasing every year. An increase in their number has a positive effect on economic indicators 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, as well as 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 to 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 moment of receiving funds from the state, the businessman is obliged to submit a report with documents on the use of the subsidy to the Employment Center. Trademarks or fiscal receipts, receipts, paid payment orders and other documents. 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 are 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, further 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 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 detailed description project, targeted 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 are engaged in entrepreneurial activity 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 gaming 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. Maximum size the 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 nationwide, they are also characterized large quantity allocated money to financially support the discovery and development SMEs. A distinctive feature is the fact 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.

From features state program the amount of assistance received, the form of its provision, as well as the list of necessary documents for processing the application depends. 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. Investments and investments in the project are also a prerequisite own funds businessman. 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 Supplies(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. To promote and further develop, 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 government 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.