Small Business Development Fund. How is small business supported by the state? Types of financial assistance and conditions for supporting small businesses

Capital authorities Russian Federation develop measures to stimulate the business activity of the population. Support for small businesses in Moscow is a systematic activity of government agencies, carried out at the legislative and executive levels.

Consider the options for budget assistance that capital businessmen can count on in 2018.

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Goals and forms of work

Interaction with business structures of the authorities is carried out through specially created Funds. These enterprises accumulate the initiatives of market participants, create tools and new forms of cooperation between the state and entrepreneurs.

The policy priorities of the Moscow authorities are:

assistance in attracting young people to business activities;
support for market entities working with foreign counterparties;
providing conditions for improving the professional and educational level of entrepreneurs;
allocation of funding to companies involved in the development of infrastructure and civil society.

For example, the Interregional marketing center"Moscow" organizes the promotion of goods manufactured in the capital in the regions. There is an enterprise whose task is to create a unified information environment for businessmen.

In addition to other forms of support, subsidies are provided for small businesses in Moscow. This form of cooperation is the attraction of budgetary funds for the development of small business.

These structures see their goals as:

combining the efforts of businessmen to increase the level of interaction with the state;
improving working conditions for entrepreneurs;
development of proposals for improving legislation;
support for start-up businesses.

For information: the company can get help not only from the authorities. The centers actively cooperate with private investors, accumulating their proposals.

Support types

Several funds operate in the capital of the Russian Federation. They offer customers and partners a variety of useful services..

The table shows their features

Reference: there is a center in every district of the city.

Assistance in getting a loan

This type of support is provided by the IB Lending Assistance Fund. Its essence lies in the receipt by the borrower of state guarantees. Terms of provision:

work with a partner bank;
impeccable credit history and business reputation;
registration in Moscow or the region.

Attention: The Fund guarantees up to 50% of the loan. The bank independently applies for a guarantee.

Rent at preferential prices

In order to reduce the cost of doing business, start-up entrepreneurs are provided with discounts for renting space in buildings owned by the state(to the municipality). The price is five to six times lower than the market price. However, in order to receive a preference, the following conditions must be met:

register as a person on the small business list;
engage in educational or medical projects.

Attention: the subsidy is not issued to applicants who violate the deadlines for making tax and other obligatory payments.

Subsidizing

Center "MB Moscow" allocates free funds to legal entities and individual entrepreneurs. The conditions are:

no more than two years have passed since the start of the activity;
no more than 250 hired workers work in production;
annual revenue does not exceed 1 billion rubles;
the share of foreign owners does not exceed 25%.

To receive money, you must send an application to the structure, accompanying it necessary documentation. The subsidy is targeted. You will have to account for the use of the funds.

Reference: the amount of assistance does not exceed 500 thousand rubles.

The above organization issues targeted subsidies for participation in exhibitions. Their size reaches 300 thousand rubles. The selection criteria for participants are the same as listed above. But there are exceptions. This type of assistance cannot be received by a structure dealing with the following types activities:

trade in excisable goods;
mediation;
agency work.

Watch a video about supporting small and medium businesses

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

A small deed that gives its owner financial independence- the dream of everyone who does not want to work for his uncle.

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

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

But there is also an option like small business assistance which is of several types.

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

State assistance to small businesses: an organizational system for supporting entrepreneurs

The main regulatory act, which must be relied upon in matters of our article, is The federal law No. 209 "On the development of small and medium-sized businesses in the Russian Federation".

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

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

A complete list of them is available on the official website of the Ministry of Economic Development of the Russian Federation in the "Small Business" section: https://economy.gov.ru/minec/activity/sections/smallBusiness

Why is it important to support entrepreneurs?

So, in Russia, only thanks to small and medium-sized businesses, more than 16 million citizens are provided with jobs (and this is a quarter of the entire employed population).

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

The role of SMEs in the economy of the whole country is very significant. Briefly describe its importance:

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

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

economic instability in the country;
flaw financial resources both for opening and for developing a business;
a large tax burden and the complexity of compiling financial statements;
constant changes in legislation;
shortage of staff qualified specialists prefer to work for "sharks" of business, ignoring entrepreneurs);
difficulty in obtaining loans (not every bank wants to deal with a small business).

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

That is why the state should provide assistance to entrepreneurs.

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

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

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

In 2017, this downward trend financial assistance is saved. The state is ready to provide only 7.5 billion rubles.

Therefore, those who rely on it will have to make a lot of efforts to get it.

The structure of spending on helping small businesses in 2017 looks like this:

Expenses	Amount, billion
Education infrastructure for SME development	3,06
Measures to support single-industry municipalities	0,74
Creation and development of information and consulting support	0,72
Creation of an infrastructure to support SMEs operating in the field of innovation and industrial production	0,69
Completion of capital construction projects	1,6
Promoting the development of youth entrepreneurship	0,23
Creation of multifunctional business centers	0,135

We have figured out the facts and figures, but what is the assistance to small businesses from the state?

So, there are such forms of support for SMEs:

financial - providing financial resources for the opening and development of small businesses (compensations, subsidies, grants, soft loans);
property - providing entrepreneurs with state property on the rights of use ( land, industrial premises);
information and consulting- formation information systems, as well as free consultations about doing business (trainings, seminars, courses);
infrastructural- formation of comfortable conditions for doing business, as well as the creation of business incubators, multi-purpose funds, centers of entrepreneurs;
organizational- assistance in participation in exhibition events and fairs.

Help for small businesses: who can count?

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

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

Assistance to small and medium businesses: 4 types

In general, there are 4 types financial assistance small and medium business from the state. Let's consider each of them.

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

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

The amount of assistance in 2017 is 58.8 thousand rubles.

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

This program is limited to opening individual entrepreneurship and cannot be applied to:

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

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

statement;
a copy of the bank account;
project.

If you are unemployed and would like to start-up capital To start your business, you will need to follow these steps:

So, your application is approved, after that they will conclude an agreement with you that you received money to open a business. The funds received should be spent only for the intended purpose and you need to move strictly according to plan.

You need to appear within the time limits set by the employment center to provide reports on the funds spent.

In case of violation of the terms of the contract (misuse, termination entrepreneurial activity ahead of time) you will need the assistance received.

2. Grants for start-up entrepreneurs.

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

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

The grant scheme is as follows:

Drawing up a strategy.

This includes compiling detailed business plan, which will affect production, organizational, financial, marketing issues.

The study of public funds.

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

Familiarize yourself with the directions and requirements for candidates for which organizations work.

Preparation of documents and drawing up an application.

This stage must be approached with all responsibility, because in the absence of even one document or with an incorrectly completed application, the commission may reject your candidacy.

Sending an application and waiting for the decision of the commission.

The commission draws up a certain scoring system, according to which it evaluates the submitted projects.

The one who picks the largest number points and become a grant recipient.

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

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

The state for the rational distribution of monetary resources may determine different requirements to candidates:

entrepreneurial age no more than 2 years;
passage basic courses on entrepreneurial activity;
business should not be related to gaming, banking, insurance activities, as well as the provision of intermediary services and the resale of goods;
no debt to the state;
employment of a certain number of people.

dismissed from the previous place of work;
university graduates;
single mother;
retired military;
invalids.

Ideas that the commission will consider for issuing grants:

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

3. Credit on preferential terms.

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

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

The essence of obtaining a preferential loan is as follows:

Guaranteed lending support is provided by the Federal Corporation for the Development of Small and Medium Enterprises.
As of now, preferential rates for lending to small businesses are 11%, for medium-sized businesses - 10% (for comparison: you can take a loan under normal conditions at 24-25% per annum).
The maximum loan amount is 1 billion rubles, and the term is 3 years.
Loans are issued to those entrepreneurs whose successful activity lasts about six months.
Loans are not given to those who are on the verge of bankruptcy, who have outstanding debts and questionable credit history.

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

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

4. Subsidizing small and medium businesses.

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

For those who do not know: subsidies are the receipt of a certain amount of funds for specific purposes.

As a rule, money is issued on a gratuitous and irrevocable basis. Unlike a grant, the amounts of which are received in tranches, the subsidy is received in one amount at once.

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

Type of subsidy	Sum
Subsidies for reimbursement of interest on loans	Compensation of 3/4 of the key rate of the Central Bank of the Russian Federation as of the date of conclusion of the loan agreement (up to 5 million rubles and not more than 70% of the actual costs incurred)
Subsidies for reimbursement of part of the costs under financial lease (leasing) agreements	5 million rubles (but not more than 30% of the value of the leased asset)
Compensation for part of the costs associated with training and (or) advanced training of employees	75% of the cost of training, but not more than 90 thousand rubles, for each trained employee
Reimbursement of part of the costs associated with the payment of the first installment (advance) when concluding an equipment leasing agreement in order to create and (or) develop and (or) modernize the production of goods (works, services)	100% of the paid installment (advance) of the equipment leasing agreement, but not more than 3 million rubles.

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

Compliance check:
- the period of activity of the enterprise is not more than 2 years;
- lack of debt;
- the candidate himself is able to cover the costs of the project in the amount of 50% of the total amount.
Filing an application
Application acceptance
Competitive selection
Receiving a subsidy, providing reports on the targeted use of assistance to small businesses.

The new state program provides an opportunity for beginners

entrepreneurs to start their own business.

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

Small Business Assistance Program

In 2017, the following programs of assistance to small businesses from the state will operate:

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

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

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

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

Of course, those who produce a socially significant product or make an innovative breakthrough are more likely to succeed. But again, everything is in your hands, so do not be lazy and start acting.

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The number and total income of small and medium-sized enterprises (SMEs) is one of the main indicators of the development of any country.

At the same time, due to its specificity, SMEs have a pronounced regional aspect - small and medium-sized enterprises build their activities based primarily on the needs of the local market, the volume and structure of local demand.
The level of development of SMEs in the region is an indicator of a favorable climate for business development, attracting investment and expanding areas of activity. It is he who reflects the socio-economic situation of a particular region.

How are things in Moscow?

In Moscow, by expert opinion, SMEs account for about 25% of the gross regional product, which is 1.5–2 times lower than in many major cities world (London, New York, Hong Kong and Tokyo).
The number of people employed in SMEs in Moscow is 34% of the total employed population, which is again 1.5-2 times lower than in many large cities around the world.
The structure of SMEs in Moscow is also imperfect: the share of transport, communications, healthcare, utilities and social services.
In general, SMEs provide no more than 9-10% of tax revenues to the Moscow budget.

The task of significantly strengthening the contribution of SMEs to the modernization of the Moscow economy, to social problems of the metropolitan metropolis can be solved only if there are correctly oriented and clearly calibrated forms and instruments of state policy for the development and support of small and medium-sized businesses.

So Moscow government in last years pays more and more attention to the formation of a really operating mechanism for supporting small and medium-sized businesses.

According to the provisions of the Subprogram "Development of small and medium-sized businesses" in State program of the city of Moscow "Stimulation of economic activity for 2012-2016" creation favorable conditions for entrepreneurial activity and ensuring the sustainable development of small and medium-sized businesses - this is one of the most important conditions for increasing the competitiveness of the Moscow economy as a whole.

Within the framework of this subprogram, the Moscow Department of Science, Industrial Policy and Entrepreneurship is implementing different kinds support for small and medium-sized businesses:

financial support;
property support;
Information support;
consulting support;
support for small and medium-sized businesses in the field of training, retraining and advanced training of personnel;

Yes, really active. forms of financial support for small and medium-sized businesses in Moscow:

Type of financial support	Maximum size	Purpose
Subsidy for start-up entrepreneurs	RUB 500,000	Acquisition of fixed assets; Organization and equipping of workplaces; Acquisition of licensed software; Office rent; Acquisition of raw materials and supplies.
Subsidies for reimbursement of part of the costs under financial lease (leasing) agreements	RUB 5,000,000	Compensation for lease payments.
Subsidies for reimbursement of interest on loans	RUB 5,000,000	Compensation for the cost of paying interest under a loan agreement for the acquisition of fixed assets or the modernization of fixed assets
Subsidies for reimbursement of part of the costs associated with participation in congress and exhibition events	300 000 rub.	Registration fee Stand construction and equipment Exhibition space rental Advertising and presentation materials and services Participation in business program congress and exhibition event

Subsidies are provided monthly, according to the approved schedule:

Schedule for considering applications for granting subsidies to small and medium-sized businesses in Moscow in 2014

Date of the Industry Commission	Volume of budget appropriations, rub.
Date of the Industry Commission	to pay interest on a loan	cost-reimbursement subsidy to pay lease payments	subsidy start-up small and medium-sized businesses	cost-reimbursement subsidy to participate in congress and exhibition events











	45 000 000,00	500 000 000,00	180 000 000,00	90 000 000,00

It should be noted that for companies SMEs operating in the industrial sector Additional types of support are provided:

subsidies to employers for the training of specialists with secondary vocational education
subsidies to reimburse part of the costs associated with obtaining an international certificate
subsidies to reimburse part of the cost of paying lease payments
subsidies to reimburse part of the cost of paying interest on a loan
subsidy to managing organizations of technopolises and industrial parks for the development of the property complex

A separate package of subsidies is provided for innovative enterprises small and medium business.

The system of financial support for SMEs in Moscow also includes:

Moscow Small Business Lending Assistance Fund, — provides security (guarantees) for the obligations of small and medium-sized businesses (loan agreements, agreements on the provision of a bank guarantee);
Microfinance Development Assistance Fund, — provides loans to microfinance organizations for the purpose of further financing of small and medium-sized businesses. Microfinance organizations issue loans up to 1 million rubles. at 13-19% per annum.

Operates at the federal level Russian Bank support for small and medium businesses. The network of its partner banks (as of April 1, 2014 - 249 banks) implements various programs of concessional lending to small and medium-sized businesses.

It should be said that this is only a part of those SME support programs operating in Moscow. And each of them has its own subspecies, nuances and conditions.
And practice shows their unconditional and real availability for every small and medium-sized enterprise.
However, experience also shows that in order to use them competently and with minimal risk of rejection due to the insufficient validity of your project, the process should be approached “with sense, feeling, arrangement”.
Highly recommended to study detailed conditions conditions and mechanisms for obtaining support, build a step-by-step scheme of their actions, correctly fill in all the necessary documents.

For our part, we can invite you to visit our workshop "Small and medium business Moscow: we receive subsidies, loans and benefits” , designed to maximize the orientation of SMEs in terms of “to whom? how many? how to get it?” and take full advantage of business support and development mechanisms.
The seminar is held with the participation Moscow Small Business Lending Assistance Fund .
You can see the detailed program of the seminar.
The next seminar will be held in Moscow on October 10, 2014.
When submitting an application before August 10, a 15% discount (specify the discount code "MSB15" in the "Comment" field when submitting an application).