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What kind of support does the state provide for small businesses? How to get government subsidies to start your own business

Small business subsidies- this is one of the popular and effective ways support for small businesses in Russia. In this way, the state encourages people to start their own business and develop it further. Relevant regional and federal programs have been developed. How and where to get a subsidy, what you need for this, we will tell you below.

Who can count on subsidies for small businesses?

According to the Small Business Support Program in the Russian Federation, anyone who wants to start entrepreneurial activity has the right to count on assistance from the state, including in the form of free subsidies. Such financial support is provided in strictly fixed amounts of money valid in each individual region. Almost everyone can apply for such state support. But it is not a fact that everyone will receive it.

It should be taken into account that having your own funds is not superfluous, since the state is not ready to cover all the upcoming expenses of a future businessman. However, unlike a bank loan, no one will demand the return of the allocated subsidies from the entrepreneur - provided that the allocated money is used for its intended purpose.

Subsidies provided by the CZN

Get free assistance Only citizens recognized as officially unemployed can apply from the state. Therefore, after deciding to open your own business with the help of subsidies, you will need to register with the Employment Center (Employment Center) in order to obtain unemployed status. To do this, you must submit the following documents:

passport;
SNILS (pension insurance certificate);
document on education;
certificate from last place works about size wages for the last 3 months, which was paid to the employee before his dismissal;
a statement stating the desire of the unemployed to take part in the self-employment program;
drawn up business plan.

What is the latest document? This is a kind of estimate of future expenses and income, justifying the feasibility and benefits of creating an enterprise; it also indicates the approximate payback period.

A package of documents is submitted for consideration to a special commission operating at the Employment Center, which will make a final decision on whether to provide a subsidy or to refuse one.

If the decision is positive, then an agreement is concluded between the citizen and the Central Health Center, according to which a free subsidy will be transferred to his personal account.

The state is ready to subsidize an unemployed citizen only if the central employment center has not provided him with a suitable job. In Moscow, the subsidy amount is no more than 10,200 rubles and is intended to cover the costs of state registration legal entity, individual entrepreneur or peasant (farm) enterprise: for the preparation of registration documents, payment for notary services, purchase of forms, production of seals or stamps (compensation for actual amounts spent). In addition, future entrepreneurs will be provided with consulting and information support.

Let us note that such rules, provided for by the Moscow Decree of December 19, 2012 N 757-PP, were introduced relatively recently: previously, financial support for small businesses from the Central Bank was more significant and amounted to 58,800 rubles. The availability and size of regional subsidies should be found in local authorities involved in employment of the population.

Subsidies provided by local governments

Unfortunately, government assistance from the Central Scientific Research Center is minimal, and it is not enough for the development of a more or less serious business. Of course, you can also use your own savings. But what if they are also missing?

Don't know your rights?

When your own business requires significant investments, you should contact the authorities local government(at place of residence). In this case, you can expect to receive more large sum. It's about, as a rule, about 300 thousand rubles.

What is required from a future businessman in this case? You need to prepare the same package of documents as to receive a subsidy from the employment center. Only it is submitted to the department dealing with the small business development program. The size of the subsidy from local governments is much larger than the size of the subsidy of the central tax center; accordingly, the competition between applicants for it increases. It is very important that your own business that you have opened is of interest to regional authorities, so that they have a desire to provide financial support specifically to your small business.

If you are lucky and receive the money, you should be prepared for the fact that every month you will have to submit a report on the intended use of the allocated funds. Otherwise, when the funds are not used for their intended purpose, they will have to be returned.

Also, the allocated funds must be used within a year. If this is not done, then the unspent balance will be returned. All expenses in the annual report must be documented.

The nuances of subsidizing small businesses

When applying for government support own business You should remember some nuances, in particular:

if you are planning activities related to real estate, alcohol, tobacco products, or performing supply functions, then you cannot count on help from the state;
the future entrepreneur must have his own financial resources, since the state, as mentioned earlier, is ready to provide him with only partial financial support (usually no more than 40%).

Other types of state support for small businesses

In addition to direct cash subsidies for small businesses, government agencies can offer small business representatives assistance of a different nature.

Rent of non-residential real estate, land, equipment at reduced rates, or even free of charge.
The state can also provide assistance in obtaining a bank loan on preferential terms.
Subsidizing the acquisition of fixed assets by an entrepreneur on leasing terms. We can talk about either a down payment or full repayment of the payment. The size of the subsidy directly depends on the cost of the operating system. For example, the city authorities are ready to subsidize up to 1/3 of the cost of the leased item excluding VAT (value added tax), but in amounts not exceeding 5 million rubles.

Moreover, regions may have their own programs for supporting and subsidizing small businesses, which a future entrepreneur can learn about from the media or get advice from specialists directly involved in these issues.

On the basis of funds for support and assistance to small enterprises, there are bodies that provide assistance to entrepreneurs in managing accounting and providing legal support to businesses. This activity is relevant and in demand because it allows you to reduce the entrepreneur’s costs of attracting specialists.

Subsidies for small businesses are a good help for effective people who strive not only to open their own business, but also to further develop it for the benefit of their family and society as a whole.

State support for small businesses is an important area of economic policy: today there are more than 5.5 million small and medium-sized businesses operating 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 GDP Russian Federation will reach 45%. That is why diverse government support for small businesses has entered its active phase.

Basics of government subsidies

Support individual entrepreneurship and small businesses today in Russia find themselves at the legislative level. The program “Stimulating Economic Activity” finances the activities of entrepreneurs.

The program to stimulate economic activity in 2019 provides additional funding, which is called a subsidy.

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

According to preliminary information from the Ministry of Economic Development of our country, only 11 billion rubles were allocated for the entire 2017 program, 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 noticeable reduction in support, the regions of the country will have to independently determine the priority areas of business activity for financing.

State funds will go to really important areas of the economy: agriculture, trade, provision of utilities and household services, social entrepreneurship, innovation activity and others.

Every small and medium-sized business has the right to count on comprehensive support from the state - this is regulated by various legal acts and, first of all, Federal Law No. 209-FZ. Different programs have their own validity period, terms of provision and budget.

In each region of our country, the relevant authorized body is responsible for the implementation of state support measures for small businesses. 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 2019, the size 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 subsidy program for individual entrepreneurs allows start-up businessmen to receive government funding. The size of the subsidy depends on the region in which the businessman lives. The average payment amount is 60,000 rubles.

Important! When starting your own business, you should keep in mind that government subsidies cannot be obtained for the production of tobacco products or alcoholic beverages.

Financing is provided on a non-refundable basis and only subject to availability starting capital from a businessman. An entrepreneur can use the funds received to open and develop his business - for example, purchasing equipment, raw materials, carrying out repair work or acquiring intangible assets.

Types of financial support for the development of small businesses can be approved executive body. After receiving state financial assistance, the entrepreneur must provide a report on the use of funds. This means that every person who receives a government subsidy is responsible for its distribution and must spend the funds correctly.

The rest of the financial assistance will have to be returned, and if it is discovered that the allocated money was spent inappropriately, the entrepreneur will have to return the entire amount to the state.

How to get a subsidy for small business development

Any unemployed citizen of the Russian Federation in 2019 can become a recipient of a subsidy for the development of small businesses.

Financing is provided jointly with the Employment Center.

A person can be recognized as unemployed if he is registered with the Employment Center at his place of registration.

Potential entrepreneur with ready-made business plan must contact 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 carry out calculations and analysis. To do this, it is necessary to calculate the expected revenue and profit, the profitability of the project, the payback period, etc.

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

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

Individual entrepreneur registration period established regulatory documents, is 5 working days. After receiving the Individual Entrepreneur Registration Certificate and extract from Unified register, the aspiring 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. This is how an agreement on subsidizing activities is concluded between a businessman and the state.

In order to receive a subsidy from the state to start a business, you need to draw up a business plan correctly and in detail.

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

Do you need information on this issue? and our lawyers will contact you shortly.

Features of receiving subsidies for small business development

Main feature receiving government funding for small businesses means there is no need for repayment, since the funds are provided free of charge.

In return, the state receives a new small enterprise, new jobs for the population and another cell of the market economy.

When concluding an agreement on subsidizing business activities, a businessman must know that he assumes a number of obligations. The main one is reporting.

Within 3 months after receiving funds 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 can be presented as confirmation.

The report must correspond to 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 the subsidy amount to the state in full. Another feature of the subsidy is fixed in the terms of the contract. According to the agreement, the activities of the state-funded business should last at least a year.

Thus, the state excludes the existence of fly-by-night companies.

Types of subsidies

The type of subsidy can be established by each subject of the Russian Federation. State aid is of the following types:

business support – 25,000 rubles;
opening a business in 2018 with the possibility of increasing the subsidy for a new one workplace– 60,000 rubles;
opening a business provided that the entrepreneur is the only parent of the child, is unemployed or has a disability – 300,000 rubles.

A subsidy can be received not only for starting a business, but also for its development. At the same time, you can have your own production ideas for a small business or open it as a franchise. A sum of money is issued 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 in the capital. One of these benefits is a business development subsidy. The size of this subsidy reaches 500,000 rubles.

To receive financing, a start-up entrepreneur must contact the State Budgetary Institution “Small Business of Moscow” with a corresponding 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, rental agreements, cooperation agreements, and so on.

The application with a package of documents is reviewed by a special Industry Commission.

Among the priority areas of subsidies are the innovation sector, agriculture, healthcare, education, social sphere, hotel business and tourism. After submitting funds, the entrepreneur is required to report on the intended use of the 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 influence of the enterprise on the economic environment of the country.

Dear readers!

We describe typical solutions legal issues, but each case is unique and requires individual legal assistance.

To quickly resolve your problem, we recommend contacting qualified lawyers of our site.

Latest changes

The purpose of receiving a subsidy for an entrepreneur in 2019 is to open a new enterprise or expand an existing one.

The advantage of this financing option is its gratuitous nature, but 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 purpose, over 200 business plans were developed in 75 areas of small business activity. With the help of this system, it will be easier for entrepreneurs to choose an area or niche to open a small business.

If the project receives approval, then government support will be a good help for entrepreneurs.

There are several other types of assistance from the state to budding entrepreneurs:

Renting real estate on preferential terms.
Acquisition of state property at preferential prices.
Use of infrastructure specially created by the state for the development of business activities (technology parks, offices, business incubators, etc.).

April 07. One of the areas of development Russian economy is to support small businesses. Funds are allocated annually for these purposes. In 2016, there are several programs aimed at supporting small businesses. You will learn about how to receive free assistance from the state and what documents are required for this from this article.

Why was the amount of funding reduced in 2016?

Due to the difficult economic situation in the country, the amount of funds allocated from the federal budget to support small businesses has been reduced. According to information received from the Ministry of Economic Development, 11 billion rubles were allocated from the federal budget in 2016 (for comparison, 20 billion rubles were allocated for these purposes in 2014, and 17 billion rubles in 2015). Therefore, in order to distribute funds among all subjects of Russia, competitive procedures will be carried out.

Due to the reduction in funding, regions will have to identify priority areas of activity that require government support. Funds will be directed only to the most important areas of the regional economy: trade, agriculture, household and public utilities, as well as for innovation activities and the implementation of social projects.

Despite this, every entrepreneur can count on help from the state. This is regulated by Federal Law No. 209-FZ of July 24, 2007 “On the development of small and medium-sized businesses in the Russian Federation” and regulations.

Different government funding programs differ in budget, terms of issuance and validity period.

Types of government support

In 2016, the following types of state support operate in Russia:

Infrastructure support (business incubators, small business development funds, etc.);
Information assistance and consulting (training courses, seminars, webinars);
Exhibitions and fairs (providing the right to free participation in such events, providing free exhibition equipment);
Promotion of innovative developments;
Registration of licenses, accounting support;
Financial assistance (subsidies, benefits and grants).

Non-governmental organizations can also support small businesses. However, most often entrepreneurs are interested in funds received from the state. However, many do not take into account the fact that much more funds are allocated for other types of support than for financial assistance. Let's look at the types of assistance that are provided to small businesses.

Business Development Grants

A grant is a free subsidy from the state for starting a business. Many entrepreneurs want to receive a grant, so demand exceeds supply. In this regard, in order to receive a grant, you will need to work hard, but it is worth it: the grant amount can be 300 - 500 thousand rubles - and this is excellent support for small businesses.

In order to receive a grant to start a business in 2016, you need to take part in a competition. Grants may also be distributed by charities or investment funds. Entrepreneurs should carefully select a project. You should only choose projects that relate to your field of activity.

What documents are required to receive a grant in 2016

First of all, you need to register, then collect a set of documents:

Bid;
A copy of the entrepreneur's passport;
Completed application form;
Diploma of higher education(if available);
Copies of constituent documents;
Certificate of registration of a legal entity or individual entrepreneur;
Documents confirming the right to the premises (certificate of registration of ownership, lease agreement).

Important! Before each competition, you should clarify the list of documents, since this list may change depending on the competition.

Subsidies for small businesses

If from the moment state registration legal entity or individual entrepreneur (IP) has passed less than two years, you can safely apply for subsidies from the state for the development of small businesses. The maximum subsidy amount in 2016 is 500 thousand rubles.

What documents are required to receive a subsidy from the state?

Application for a subsidy;
Feasibility study (TES);
Business plan;
A copy of the certificate of state registration of a legal entity or individual entrepreneur;
Order on the appointment of director and chief accountant;
Manager's questionnaire;
Certificate from the bank about the status of accounts;
Report on financial results for the last reporting period (accounting statements);
Copies of statutory documents.

Important! Subsidies are provided on the basis of cost co-financing. This means that only 50% of the costs are paid by the state, and you must pay the remaining 50% yourself.

Directions for spending received subsidies

Organization of new jobs;
Purchase of machinery and equipment;
Renting premises;
Purchase of raw materials and supplies.

All expenses must be documented. The state selects and considers applications for subsidies throughout the year at least once every two months. In case of misuse of allocated funds, the entrepreneur is obliged to return them in full to the budget.

Self-employment financing

This subsidy is provided by the state to unemployed citizens who are officially registered at the employment center. The amount of such financial assistance corresponds to the size of the annual unemployment benefit, that is, about 60 thousand rubles. If you organize your own enterprise and give work to people who have unemployed status (officially registered at the employment center), you will receive the same amount for each employed person.

How to get financial help for self-employment

Draw up a competent business plan;
Officially register an individual entrepreneur;
Receive funds;
Draw up a report and attach documents confirming the intended use of funds to the report.

So, you have decided on your field of activity and are ready to open your own business.

Where to start

First of all, you should clarify which government support programs operate in your region. This information is usually located on the city administration website or in the employment center.

Then you should register at the employment center.

In order to receive financial support, you will, of course, need to spend a lot of effort going through bureaucratic authorities.

Documents required to obtain unemployed status

Passport of a citizen of the Russian Federation;
Certificate or diploma;
Work book;
Agreement with the bank on opening an account.

After this, you fill out an application form indicating that you want to become an entrepreneur and take the test.

After this, you need to defend your business plan. The effectiveness of your project will be assessed by a special commission. The whole procedure is similar to an exam at school or university. If an entrepreneur clearly knows how to make money during a crisis, his business plan looks realistic, then, most likely, the commission members will approve the project.

After the defense of your business plan has been successful, you can write an application for financial assistance. The application is accompanied by a business plan and other necessary documents. If your project is approved, you will be invited to sign an agreement (contract). After which you can open an individual entrepreneur or register a legal entity. The last stage is the presentation of a certificate of registration of an individual entrepreneur or legal entity to the employment center. Receipts for payment of government fees should also be attached to this certificate.

After completing all these procedures, funds will be credited to your account. The main thing is to remember that these funds can only be spent for their intended purpose.

Loan interest reimbursement

Another type of government support is reimbursement of interest on loans. Part of interest on loans for purchase special equipment or equipment, can be compensated from the state budget in the amount of 1/3 or 2/3 of the total rate. Funds are paid if there are documents confirming the payment of interest on loans.

There are programs to support small businesses in Russia. Not only that, they work. The main thing is to know where and how to receive free assistance from the state, and also to have a desire to work in order to contribute to the development of the country’s economy.

What specific government support measures can a person who opens his own business count on?

Subsidies from the employment center

If you are just planning to open your own business, then the first thing you need to know about is the existence of a special program of the Ministry of Economic Development to provide subsidies to small and medium-sized businesses at the regional level. As part of this program, the employment center provides one-time financial assistance in starting your own business.

The amount is provided in the amount of 12 times the maximum amount of unemployment benefit. Previously it was 58,800 rubles. (based on the assumption that the unemployment benefit amount was 4,900 rubles). However, from January 1, 2019, the maximum benefit amount will increase from 4,900 rubles. up to 8,000 rubles, so the size of the subsidy may increase. One-time financial assistance is also provided for the preparation of documents: payment of state fees, performance of notarial acts during state registration, purchase of blank documentation, production of seals, stamps, legal services, consultations. For example, in the Moscow region, financial assistance for the preparation of documents amounts to 7,500 rubles.

A subsidy from the employment center is available to citizens over 18 years of age. But in order to receive it, they need to register with the employment center, that is, have unemployed status and receive benefits. It is also worth considering that subsidies are not given to everyone, since there are a limited number of them, and they are issued at the beginning of the financial year (you need to try to get into the right period). About these and other subtleties Vasily Puchkov, Deputy Director regional center support of the Olympic movement.

Grant support

This measure of state support is usually provided by regional authorities. The grant is provided to a beginning entrepreneur in the form of a one-time subsidy, on a non-refundable and free basis. The maximum amount, as a rule, is 600,000 rubles. But depending on the region, the conditions for receiving grants may differ. Therefore, it is better to find out all the details locally. Money is allocated to those whose applications have passed the competitive selection process. The selection criteria include the field of business activity, the amount of revenue, the number of jobs, etc.

In 2019, beginning farmers can still count on special government support. The size of the grant under the “Support for Beginning Farmers” program can reach 3 million rubles. This amount, for example, is received by beginning livestock farmers in the Moscow region if they specialize in breeding large cattle, and 1.5 million rubles. provided to farms operating in other areas. IN farming who received such a grant, at least one job must be created for every 1 million rubles. grant.

In Tatarstan for 2019, the amount of grant support under the Beginning Farmer program will be higher - it will amount to up to 5 million rubles. instead of the previous 3 million. So the conditions and amounts should be clarified in each specific case.

In addition, there are grants in the amount of up to 30 million rubles. for the development of family livestock farms.

In St. Petersburg, since 2015, the program “Support for Social Entrepreneurship” has been implemented, within the framework of which costs associated with the payment of rental payments and the purchase of equipment are subject to reimbursement: rental of buildings, non-residential premises, equipment rental and equipment purchase.

In addition, a program to support entrepreneurs creating children's centers has been developed in St. Petersburg; support program for entrepreneurs engaged in handicrafts, and other programs.

To find out more about receiving grants and subsidies, go to official government websites that provide information about business support measures. For example, on the website of the Ministry of Economy of the Republic of Tatarstan, all areas of state support are described in detail. For the Moscow region, such information is provided by the website of the Center for Entrepreneurship Development of the Moscow Region. The website “Small Business of Kuban” provides a detailed list of subsidies for entrepreneurs operating in the south of Russia.

It will be easier if you use the search in the “Support for SMEs in the regions” section on the Federal Portal of Small and Medium Enterprises. Just enter your region in the search and you will be automatically transferred to the “local” SME portal.

On the website of the Ministry of Economic Development of the Russian Federation, you can use the list of authorized bodies for supporting small and medium-sized businesses in the constituent entities of the Russian Federation.

Federal business support programs

This type of business support can be divided into programs from:

Ministry of Economic Development of Russia

His area of interest extends to the implementation of a program to provide subsidies from the federal budget to provide state support to SMEs in the regions (in accordance with the orders of the Ministry of Economic Development issued annually).

Funds are distributed on a competitive basis between regions and allocated for activities provided for by regional programs, but on the condition that the costs are co-financed by the regions.

The program of the Ministry of Economic Development involves direct and indirect support measures that can be counted on by those who produce goods, develop and implement innovative products, specialize in folk arts and crafts, carry out handicraft activities, promote rural and ecotourism, and develop social entrepreneurship.

SME Corporations

This organization is engaged in solving a various range of problems, including providing financial, property, legal, infrastructural, and methodological support; organizes various types support of investment projects, etc.

JSC "SME Bank"

More information about support programs and conditions on the basis of which you can apply for government assistance in business development can be found at regional portals small and medium enterprises. For example, the Ryazan portal provides detailed information on types, forms, and support infrastructure.

Subsidies for loan interest reimbursement

A business can count on compensation for the cost of paying interest on loans received from credit institutions for the support and development of activities, including the renewal of fixed assets (with the exception of loans received for the purchase of passenger vehicles).

The conditions for receiving a subsidy need to be clarified in the regions. For example, in Moscow they are as follows:

the organization meets the criteria for an SME;
the organization or individual entrepreneur is registered and operates in Moscow, and the duration of registration is at least 6 months before the date of filing an application for a subsidy;
the period of overdue debt on taxes, fees and other obligatory payments on the day of filing the application does not exceed one month;
there are no pending contracts for the provision of subsidies from the budget of the city of Moscow on the day of submission of the application;
there are no violations of contractual obligations secured from the budget of the city of Moscow;
there is a loan agreement with a credit institution included in the list of credit institutions selected in the prescribed manner joint stock company“Federal Corporation for the Development of Small and Medium-Sized Enterprises”, and has concluded a cooperation agreement with the Department of Science, Industrial Policy and Entrepreneurship of the city of Moscow, or has received approval from a credit institution to issue a loan.

In 2019, the state will allocate 7.2 billion rubles to banks. for preferential loans for entrepreneurs, thus increasing budget subsidies for the soft loan program for small businesses in priority sectors by 11 times. This is provided for in the draft federal budget for 2019 and subsequent years 2020-2021. The total amount of expenses for the next 6 years will be 190.9 billion rubles.

The proposal is to issue loans to small and medium-sized businesses for projects in priority sectors at a rate of 6.5%. It will apply to such industries as agriculture, construction, transport, communications, tourism, manufacturing, electricity, gas and water production, healthcare, collection, processing and disposal of waste, industries in which priority areas for the development of science and technology are being implemented and technology.

According to the rules, the difference with market rates (3.1% loan agreement for medium-sized businesses and 3.5% for small businesses) banks are reimbursed by the budget. In 2019, thanks to innovations, preferential lending will be provided for more than 200 billion rubles.

Small business support: changes in 2019

In the summer of 2018, the president signed a document that expands property support for small and medium-sized businesses. This law establishes an indefinite right to purchase leased state and municipal property and the possibility of using land plots when providing property support to SMEs.

Also, shortly before 2019, Government Resolution No. 1212 dated 10.10.2018 was presented. The document makes changes to the rules for providing subsidies from the federal budget to credit organizations to compensate for lost income on loans issued to SMEs for preferential rate.

According to the document, the maximum loan amount issued to a SME for investment purposes at a preferential rate has been reduced from 1 billion rubles. up to 400 million rubles. But the maximum amount of total loans that can be issued to one borrower remains 1 billion rubles. The changes were made to enable banks to provide loans to more SMEs.

In addition, it is important to mention Government Order No. 2586-r dated November 26, 2018, which talks about the draft federal law amending Art. 25 Federal Law“On the development of small and medium-sized businesses in the Russian Federation.” This bill has been prepared for implementation national project“Small and medium-sized businesses and support for individual entrepreneurial initiative”, which provides for expanding access of SMEs to financial resources, including preferential financing.

When the bill is adopted, the guarantee support provided by SME Corporation JSC to SMEs will be expanded. This will affect companies operating in high-tech industries, startups, agricultural cooperatives, fast-growing innovative companies and SMEs implementing projects in the Far Eastern and North Caucasus federal districts and in single-industry towns.

03Sep

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

Today you will learn:

What types of government loans exist for businesses?
Who can receive government support?
Which authorities should I contact for help?
What documents need to be collected?

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

Types of loans from the state for business

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

Small business microfinance;
Guarantee from the state;
(free loan);
Compensation payments;
Tax breaks.

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

Small business microfinance

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

Lending conditions are different in each region. A significant advantage of this type of lending is its accessibility: money is provided regardless of the area of employment.

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

Average conditions for obtaining a preferential loan:

or physical () in the territory of the subject of the Russian Federation in which the loan will be received;
From 50 thousand to 1.5 million rubles (restrictions may be imposed on the amount depending on the scope of the organization’s activities);
The interest rate of a preferential loan ranges from 8 to 12% and will depend on the prospects of your business, market needs, the solvency of the borrower, the amount of borrowed funds and the loan term, the type of collateral;
Money is provided against security: property pledge, surety, pledge of a product in circulation, etc.;
The loan is issued in non-cash form;
If the conditions for providing money are not met, penalties are provided in the form of an increased percentage;
There is a limit on the number of loans;
The duration of consideration of documents for the provision of funds ranges from 5 to 10 days, depending on the region.

State guarantee

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

Unlike the first option, receiving funds under government guarantee does not differ in terms from a regular loan. Review of your application will not be quick. Also be prepared for the fact that the fund will not guarantee the entire amount, but only a portion.

Social enterprises providing services to citizens, production and industry, and innovation are most likely to receive a guarantee from the fund. When considering an application for a guarantee, the fund pays special attention to the number of jobs created by the organization.

Subsidies

Subsidies are the most desired type of government support by entrepreneurs. The thing is that it is provided to businessmen free of charge.

However, not all entrepreneurs can receive a subsidy.

Businessmen must meet fairly stringent conditions to obtain:

It is necessary to register with the Employment Center as an unemployed person;
Answer the psychological test questions at the same Employment Center;
Complete training in entrepreneurship;

At the same time, all expenditures of government money must be consistent and supported by documents. After an entrepreneur receives a positive response from the Center, he must register his enterprise. Only after this the money will be credited to your account.

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

Grant

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

The following are eligible to receive a grant:

Beginning entrepreneurs (have been operating for no more than 12 months);
Entrepreneurs who do not have debts on taxes or loans;
Businesses that create a lot of jobs.

Also, the area in which the organization operates is important for receiving a grant. Each region defines these areas independently.

Compensation payments and tax breaks

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

The following companies can count on such a relaxation: companies producing innovative products, enterprises producing import-substituting goods, as well as service providers.

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

You can take advantage of the holidays if:

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

Requirements for borrowers

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

	Conditions of receipt	Important Features
Microfinance	— registered in the region where funds are received; - the loan must be secured by property	— goal: development of small and medium-sized businesses; - loan term - no more than a year
State guarantee	— the bank must participate in the state program; — you must be an active organization for at least 6 months; — registration in the region where the loan is received is required; — you do not have problems with creditors and tax authorities; — it is necessary to repay a certain percentage of the loan with your own funds (set in each region)	— The priority activities for financing are: production, innovation, construction, service activities, transport transportation, tourism (in the Russian Federation), education, medicine, housing and communal services. — Does not apply to the extraction and sale of minerals, gambling, banking and insurance activities, funds securities, pawnshops
Subsidy	— the importance of business for a constituent entity of the Russian Federation. Each subject has its own significant areas (you can find out the priority areas of activity for your region on government resources); — presence of a business plan that must meet certain criteria (also established in each region); - the entrepreneur must invest a certain amount own funds(depending on the program)	Funds are issued for the purchase of: — raw materials and supplies; — production equipment; — intangible resources. Period of use in cash limited. Typically 1-2 years
Grant	— business activity has been conducted for less than a year; — the businessman does not and has not had problems with loans and borrowings (“clean” credit history); — the enterprise creates a certain number of jobs; — you did not receive other government benefits; - availability of own funds	Funds are allocated for the development of medium and small businesses
Compensation payments	Borrowers can be: - manufacturers and developers innovative product; — sellers of import-substituting goods; — organizations engaged in the provision of services	Spending goals: development of medium and small businesses
Tax benefits	— engaged in entrepreneurial activity for no more than a year; — you are a member of the taxation system: PSN or simplified tax system; — assistance is provided to companies engaged in science, production, and providing services to the population.

To summarize, government assistance is available for:

Beginning businessmen ();
Organizations involved in the production of products, development of innovative products;
Enterprises providing services to the public;
Entrepreneurs have no problems with loans.

Where to contact

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

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

You can find out more about this issue on the official website of the fund in your region; we will name only the main generally accepted documents:

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

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

You must apply for a government guarantee with everyone necessary documents to a bank that participates in affiliate program with the Entrepreneurship Promotion Fund.

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

A subsidy or grant can be obtained from the labor exchange. To do this, you must meet a number of conditions that we have already discussed above. The package of documents for receiving a subsidy includes an application and a business plan.

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

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

Non-state support for small businesses

If you do not meet any parameters to receive state aid, you can apply for non-governmental assistance to small businesses.

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

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

To the standard package of documents for receiving a grant, you will need to attach a document that will describe the product and its cost.