Irrevocable grants for business development. Methods of state support for small business. The procedure for obtaining a subsidy

One of the main barriers to starting your own business is the lack of funds. Often, it is this obstacle that stops potential entrepreneurs from realizing their plans. Those who have already opened their own business may also face the problem of lack of funds to maintain and develop the business. In case of such problems, you should learn in detail about how to get a subsidy for small businesses.

The state is interested in the development of the economy, therefore today Russia has a special program to support start-up entrepreneurs. Under this program, the state provides subsidies.

What is a subsidy and for what purposes it is issued

A subsidy is a targeted payment from the federal or local budget.

The subsidy is issued free of charge, so it should not be confused with a loan or a loan. That is, after receiving a subsidy to the state, you do not have to return anything. Thus, the first property of a subsidy is its gratuitousness and irrevocable.

The second property of a subsidy is a strictly target character.

The purposes of spending the received subsidy can be:

purchase of equipment and consumables;
purchase of raw materials;
purchase of intangible assets, such as patents.

Specific types of financial support for small businesses are approved by the executive body of the subject of the Russian Federation (the Government of the subject). Usually, detailed information can be found on the website of the executive authority of the constituent entity of the Russian Federation dealing with industry, entrepreneurship and trade.

The targeted nature of spending the subsidy is expressed in the fact that the citizen who received it is responsible for the intended use of the subsidy. If the fact of misappropriation of funds is revealed, then the entire amount will be recovered from the violator. In addition, one year after receiving the subsidy, you will have to report on where the funds were spent. If you have not spent all the funds, then the rest will need to be returned.

Those entrepreneurs who plan to open a business in the production and sale of alcoholic and tobacco products, in the field of real estate, in the field of equipment rental cannot receive a subsidy.

Sizes and types of subsidies

The amount and types of subsidies are established by each subject of the Russian Federation. Let's take an example. In Moscow, there are the following types of subsidies:

300,000 rubles to open a business (in this case, the conditions must be met: the entrepreneur has not previously been employed anywhere, has a disability, or is the only parent of a child being raised);
60,000 rubles for starting a business (with the possibility of increasing the subsidy by the same amount for each additional job created);
25,000 rubles for business support.

Procedure for obtaining a grant to start a business

Registering as unemployed

Getting a subsidy is a rather long process and includes several stages.

You must register as unemployed. To do this, you need, firstly, not to have an official place of work. Secondly, not to be the founder of any legal entity and not to be registered as an individual entrepreneur. If these conditions are met, then you should contact the employment center at your place of residence.

After expressing your desire to register as unemployed, you will be asked to fill out a questionnaire. You must also bring the originals of the following documents with you:

the passport;
education document;
TIN certificate;
insurance certificate;
certificate of average monthly salary.

If you have never worked, then you do not need to provide a certificate.

When filling out the documents issued to you, do not forget to inform the employee of the employment center about your plans for self-employment in your own business. Do not forget to also specify where the department for self-employment of the population is located.

As soon as all documents are accepted from you, you will be informed of the date of the second visit. Also, most likely, you will be told where to get a passbook to transfer first unemployment benefits, and then subsidies.

The next step is writing a business plan. Here you need to be very careful and not rely on a freebie. The state, although it provides support for business, but (let's be frank) is reluctant to give away budget money.

The business plan must be competent, detailed and realistic (executable).

It is required to indicate:

project cost;
economic feasibility of the project;
payback period of the project;
the purpose of obtaining support from the state;
planned own costs;
the required amount of the subsidy;
creation of additional jobs.

After the business plan is ready, we take it to the department for promoting self-employment of citizens (both in print and in electronic form).

Coming to commission

You will be informed in advance of the date of the meeting of the commission, which, based on the submitted business plan and your answers to the questions asked, will decide whether to give you a subsidy or not. You need to prepare: at a minimum, you should know your business plan perfectly.

Based on the results of the meeting of the commission, you may be approved for a subsidy or denied it. Do not be discouraged if the second happened - you will simply be asked to finalize the business plan and come back to defend the business plan again.

Final steps

It's up to you to register as an individual entrepreneur (registration period - 5 working days) and bring the documents issued by the tax office to the Employment Center. After that, a subsidy will be transferred to your passbook within one month.

You can receive funds from the state not only for opening, but also for developing a business.

This is somewhat easier. It is necessary to provide the Employment Center with a certificate of state registration as an entrepreneur, documents confirming compliance with the requirements for candidates for a subsidy, and a business plan.

Little needs to be said about the requirements for candidates to receive a subsidy. They may be different in different subjects and may relate, for example, to the availability of own funds, the implementation of activities in priority sectors, the completion of special courses by an entrepreneur, etc.

The state provides material assistance to small businesses

Many people dream of starting their own business. Freely managing your time, being your own boss is a pleasant prospect. But most people have to say goodbye to their dream before they even begin to put it into practice. The reason for this is the lack of funds to open a business.

Some manage to open a small business and start working. But at a certain stage, the lack of funds can become an obstacle to the further successful development of the business.

In these cases, do not despair. You should know that the state provides material assistance to small businesses, providing small ones to open and run their own business.

The Russian government has developed a special program to subsidize small businesses. Any novice businessman or owner of a working production has the right to receive financial assistance for opening and promoting a business.

A subsidy is a gratuitous allocation of certain amounts, it should not be confused with or loans. The state aims to support private entrepreneurs and small businesses. Subsidies are directed to strictly defined sectors, in the development of which the state is interested in the short term.

The amount of payments depends on the regional authorities and can only be spent for certain purposes (also determined by the local authorities):

purchase of equipment;
purchase of raw materials, materials;
purchase of intangible assets: patents, technologies.

Subsidies are issued only if the following conditions are met:

The company was opened less than a year ago.
The company is not engaged in the production, sale of alcoholic or tobacco products.
The company does not deal with real estate, equipment rental.
There is a business plan for the development and spending of funds.
The funds are directed only to the purposes determined by the local authorities. If misappropriation of funds is identified, even if they are related to this business, the recipient must return the entire amount of the subsidy.
All allocated funds are spent during the year. Funds not used during the calendar year must be returned to the state.

After a year from the date of receipt of the subsidy, the entrepreneur must account for each ruble spent. In some cases, the duration of the subsidy lasts 2 years or more.

The Employment Center is responsible for issuing subsidies for the unemployed who want to start a business. Target subsidies for the development of certain sectors of the economy are distributed by the Centers for Entrepreneurship Support together with local authorities.

Who receives subsidies

Who can get small business grants

The state allocates financial resources to start-up entrepreneurs and operating enterprises for:

opening of own production;
development of an existing business.

Grants are issued by the Employment Service for starting a business. The payment is due only to an unemployed person who has registered at the nearest Employment Center if his work book contains a record of dismissal from his previous place.

Not considered as grant applicants:

students, students;
individual entrepreneurs;
founders, co-founders of firms and companies.

An unemployed person needs to warn an employee of the Center about his desire to organize his own business, prepare a business plan, calculations, and provide them along with the required documents.

When providing financial assistance to an operating enterprise, the state does not aim to cover all the expenses of the entrepreneur. Therefore, the presence of own funds is welcome, and in many cases it is required to deposit a certain percentage of funds by the business owner himself.

Ways of state support for small businesses

Financial support for small and medium-sized businesses is provided in the form of various grants, subsidies, compensations, and benefits. It is especially valuable that the assistance is provided free of charge, it should not be returned. It is enough to send them to their destination and report on time.

Forms of gratuitous support for small businesses:

Grants for beginners (production exists no more than 2 years). Aimed at the implementation of the submitted business plan. The amount of the payment is not more than 500,000 rubles. The recipient of the grant must have on his account a sum of money in the amount of 40-50% of the business plan budget.
Development grant. Issued to an operating enterprise for the acquisition of certain assets and funds. The amount of the subsidy is from 50 to 90% of the total amount, but not more than 10 million rubles.
Grants for self-employment. issued to the unemployed. The amount of the grant is equal to the amount of unemployment benefits for 1 year.
Partial compensation of the interest of the received loan for the purchase of the necessary equipment, technical means or the implementation of lease payments. The state usually assumes from 2.5 to 5.5% per annum, after providing documents on payments already made on the loan.
Compensation for the funds spent on participation in exhibitions, fairs: equipment rental, registration fee, transportation of equipment, products across the territory of the Russian Federation and other countries. It makes up 2/3 of all costs, but not more than 30,000 rubles.

Special conditions are provided to agricultural enterprises. With the help of subsidies, they get the opportunity to purchase machinery, necessary equipment, breeding stock, and seeds.

What subsidies are issued by the Employment Service

The employment service provides subsidies for small businesses

The employment service provides gratuitous assistance to start a business only to officially registered unemployed. To register, you must provide:

the passport;
TIN, ;
diploma or certificate;
salary certificate for 3 months before dismissal (take at the place of the last job).

You must write a statement of your desire to participate in the Self-Employment Program. Then write and submit a business plan. You can make it yourself or entrust it to a specialist. It indicates the estimated costs, incomes, justifies the utility, the expected benefits of production, the approximate payback period.

Another condition for granting a subsidy: the Employment Center does not provide an appropriate job for the grant applicant.

A special commission reviews the submitted documents, conducts an interview, and makes a decision. If the decision is positive, an agreement is concluded between the SZN and the grant recipient. The money will be transferred to his personal account. The amount depends on the region, but usually it is a small amount of money, it will not work to open a more or less serious business.

Spending must be targeted. The money should be directed to the following tasks:

Registration of an enterprise in the form of a legal entity. persons, individual entrepreneurs or peasant farms.
Preparation, registration of documents.
Payment for legal services.
Buying forms.
Production of seals, stamps.

The citizen is provided with consulting and information assistance. He needs to register with the local tax office.

Subsidies from local governments

To receive more substantial assistance (up to 500 thousand rubles), an entrepreneur needs to contact local authorities.

The list is the same as when applying to the TsZN. After collecting all the papers, you should take them to the local Department for the development of small and medium-sized businesses. Grants are issued on a competitive basis, so the main condition for receiving cash payments is to be able to interest the members of the commission, to prove that this particular project deserves attention and support.

Due to the fact that the amount of the grant is rather large, it is necessary to be prepared for constant checks and reports. It is necessary to prove the intended use of funds, otherwise they will have to be returned.

What to look out for

Subsidized production involves the creation of new jobs

When applying for state support, a novice entrepreneur should remember:

Subsidized production should be a priority for the region. This increases the chance of getting a grant.
Subsidies are not allocated for the development of businesses related to tobacco or alcohol production, real estate, rental and supply.
Subsidized production involves the creation of new jobs.
The entrepreneur must invest simultaneously with the state subsidy at least 40-50% of the total amount provided for in the business plan.

The specific one depends on the conditions of the individual funding program. The more the businessman himself is ready to invest in his enterprise, the greater the amount he can count on.

When developing a business plan, it should be remembered that subsidies are not allocated to deliberately unprofitable production. The lower the risk, the more likely the subsidy will be approved.

Other types of state support for small businesses

Federal and regional targeted programs are aimed at providing services to start-up entrepreneurs that involve:

Providing the necessary information, training programs, conducting courses, seminars, consulting.
Development of business infrastructure: creation of conditions for the development of entrepreneurship, business incubators, funds.
Implementation of innovative programs and scientific and technical developments.
Assistance to start-up entrepreneurs in legal matters, accounting advice, in obtaining licenses and permits.

In addition, the entrepreneur can receive:

, non-residential real estate, equipment for rent at low prices or even for free;
assistance in obtaining a bank loan at low rates;
a subsidy for the purchase of equipment or fixed assets under leasing.

In addition to federal programs, each region has its own programs to support small and medium-sized businesses.

Subsidies for doing business are a good way to support business and entrepreneurial citizens who are able not only to start their own business, but also to develop it in the interests of their families and the entire state. This is what the State Program for Supporting Small and Medium Businesses is aimed at.

How to get money from the state for the development of IP, see the following video:

Mar 13, 2018 Content manager

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Not all start-up entrepreneurs are aware that they are entitled to a state subsidy for starting a small business in 2019. But government subsidies are an opportunity to receive a certain amount to replenish start-up capital without burdening yourself with expensive loans and getting into endless debts. At the same time, it is important to take into account the fact that the state contribution is provided without a mandatory return.

The state is interested in the development of small business, as it revives the economic situation, contributes to the expansion of the market, and the development of the competitiveness of domestic production.

Last year, based on the budget, the Russian Federation was ready to spend 17 billion rubles on subsidies to small businesses. In 2019, this amount, unfortunately, was reduced to 11 billion rubles. It can be assumed that these funds will most likely finance already started projects. Nevertheless, many are attracted by the opportunity to receive a subsidy from the state to open and run a business. Start-up entrepreneurs are supported by such structures as:

Employment Center;
Department of Entrepreneurship;
local administration.

It should be noted that those individual entrepreneurs who have gone through all stages of development and used the state subsidy program note loyal conditions for obtaining subsidies and the promptness of the entire procedure.

It should be noted that the considered financial deductions are gratuitous, in contrast to commercial bank loans. An individual entrepreneur, receiving such a subsidy, assumes a certain range of obligations, but they are not directly financial in nature. To this day, these rules remain valid.

In addition, special support is planned for 2019 in the field of innovation, agriculture, medicine, tourism and, of course, education. Economic analysts already today predict a significant surge in activity of small and medium-sized businesses.
As experience has shown, receiving a subsidy from the Russian state is a fairly effective and expedient mechanism for activating the segment of small and medium-sized businesses. The main feature is that in different regions the conditions for entrepreneur support programs may differ.

Algorithm for obtaining state subsidies in 2019

The procedure for obtaining a subsidy for the development of small businesses is characterized by some technical and legal features. First of all, you need to be an IP officially. If there is such a status, then it is necessary:

registration of an individual entrepreneur in the Employment Center of the status of an unemployed person and inclusion in the relevant state registers;
submission to the Employment Center of a thoroughly developed business plan (this document includes the proposed scope and nature of future activities, indicating the location of the enterprise; the need for technical equipment and raw materials; the level of expected income; analysis of the profitability of the project as a whole);
approval of the business plan at the Employment Center;
IP registration with the Federal Tax Service;
re-applying to the Employment Center with an application for receiving subsidized funds, supported by a package of necessary documentation;
conclusion of a subsidiary agreement between individual entrepreneurs and the state.

The principal feature of this small business financing system is the absence of the need to return material resources received by individual entrepreneurs from state bodies when opening a new enterprise.

The initial stage of obtaining subsidies when opening a private enterprise is handled by the Employment Center - it is here that all the basic information about the business activity of all categories of the population of the Russian Federation is concentrated. The employment center considers the business ideas submitted by job seekers and determines their viability.

All initial information about the individual entrepreneur, his business plan, and the predicted level of economic efficiency passes through the Employment Center.

In 2019, the role of the Employment Center in the procedure for regulating the economic activity of the population is expected to be further strengthened, this is due to the fact that many citizens are now in search of a permanent source of income. In addition, it is necessary to achieve maximum transparency and efficiency of the mechanism for obtaining state subsidies.

In particular, the Employment Center provides a full range of necessary documentation in the shortest possible time, and the employees of the Employment Center are highly qualified and ready at any time to provide the full range of theoretical and practical assistance necessary for individual entrepreneurs at the stage of registration and opening their own business.

Each individual entrepreneur, when opening his own enterprise (even under a franchise), has the right to receive state support. The amount of such a subsidy varies depending on many factors, including the social status of the entrepreneur, but cannot be less than 60 thousand rubles.

Insurance, lending and banking services are not subject to state subsidies.

For all other legal activities, funds can be obtained if the entrepreneur has his own start-up capital in the amount specified by law.

It is much easier for those who have a Moscow residence permit to obtain subsidies in the capital, and, in addition, such entrepreneurs rely on several categories of subsidies to choose from.

The metropolitan registration also determines the general subsidizing algorithm, which is not always true for start-up entrepreneurs from other, more remote regions of the Russian Federation.

An individual entrepreneur, receiving a subsidy, undertakes to spend this financial amount on the development of his own business, but he can determine the scope of the initial application of capital on his own. For example, funds can be directed to:

improvement of the material and technical base of the enterprise;
purchase of necessary equipment and industrial capacities;
repair, expansion and construction of new premises for the enterprise;
purchase of raw material base for production;
expansion of staff;
costs of the company's intangible assets.

Individual entrepreneurs may also provide for other items of expenses related to the opening and development of their own business. In general, the legislation of the Russian Federation is quite liberal in the sphere of distribution of subsidiary funds. The entrepreneur enjoys complete freedom in regard to the use of funds received as a result of subsidies.

An important point when receiving financial assistance in 2019 is that if an individual entrepreneur applying for a subsidy has not officially worked anywhere over the past five years, the specialists of the Employment Center can legally refuse to receive material assistance. After all, if a person previously had money from somewhere for everyday needs, then in the future he is able to provide for himself.

It is worth remembering that subsidies for business development are gratuitous. The return of subsidiary funds is not provided for by law. An exception may be only certain cases stipulated by the mechanism for granting subsidies.

The only condition is to receive full and reliable reporting of the entrepreneur on the costs incurred. The Employment Center and the fiscal control authorities collect and verify this information.

In case of misuse of the provided funds, the state has the right to demand their return, taking into account a certain amount of a penalty. However, such precedents are extremely rare, since most start-up entrepreneurs are extremely responsible for the opportunity to receive financial state support for the development of their own business.

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Starting your own business requires a significant financial investment from the entrepreneur. However, not everyone has enough money to start a business. Therefore, entrepreneurs need help, including material. The state seeks to support small businesses by providing subsidies for individual entrepreneurs in 2019. It is important to know when and how much money you can get free of charge to organize and develop your own business.

Types of state aid

Assistance to individual entrepreneurs from the state is provided in several forms: financial, property, informational, infrastructural.

You can count on the following types of financial support:

funds from the employment center;
grant for beginner entrepreneurs;
concessional lending;
subsidizing.

Funds for opening an individual entrepreneur through the employment center are allocated in order to combat unemployment and maintain self-employment. Such assistance is a one-time financial support in the amount of sixty thousand rubles. These funds can be spent exclusively for organizing your own business. If a businessman plans to employ one or more employees in his activity, the amount of the subsidy increases in proportion to the number of employees hired.

For start-up businessmen, special funds can compensate up to five hundred thousand rubles spent on creating entrepreneurship. Grants are traditionally allocated for development in those sectors that are significant for the state. Today it is agriculture, innovations, education, spheres of social importance and other areas.

Concessional lending involves the issuance of loans to individual entrepreneurs at rates that are lower than in banks. Today they are 11% per annum. You can get up to one billion rubles for a period not exceeding three years. It should be borne in mind that only those individual entrepreneurs who have been successfully operating for more than 6 months can count on preferential loans. At the same time, the entrepreneur should not have outstanding debts, a damaged credit history.

Subsidizing IP involves the issuance of funds for specific purposes. In this case, you can count on state assistance to reimburse part of the interest on the loan, overpayments and the first installment for leasing, training and advanced training of workers.

Regardless of what the small business support scheme will be, subsidies are issued only after going through a difficult procedure. First of all, you will need to develop a business plan and provide well-written documents. When assistance is allocated and spent, it will be necessary to document the directions of spending the funds.

Terms of receipt

Do not think that it will be easy to receive gratuitous subsidies for individual entrepreneurs from the state. In fact, you will have to carry out extensive and serious work.

After registering with the employment center and obtaining the official status of unemployed, an entrepreneur must go through the following steps:

choose a field of activity;
draw up a detailed business plan; in the final part, it is important to conduct an economic as well as social justification of the significance of the business being opened for the development of a particular region;
conduct state registration of entrepreneurship;
apply with documents prepared according to the list, an application, as well as a business plan to the relevant authorities.

The submitted application is considered by the commission. The duration of this process reaches sixty days. At the end of the consideration procedure, the commission makes a decision, which is sent to the entrepreneur by registered mail.

It is important to keep in mind that when receiving state support, an individual entrepreneur takes on specific responsibilities. First of all, they consist in submitting reports. Subsequently, the individual entrepreneur is obliged to provide a report on the expenditure of the funds received. At the same time, it is important to attach checks, payment orders, receipts and other documents confirming the direction of spending the funds.

When studying how to open an individual entrepreneur through an employment center, it is worth learning an important rule. If a businessman cannot submit documents regarding the direction of spending the money received, he will have to return the subsidized funds to the state.

In addition, a business organized with state support must be carried out for at least two years. This condition makes it possible to exclude the financing of one-day companies.

Drawing up a business plan

A subsidy for opening an individual entrepreneur is issued only if a well-written business plan is provided. There is no established sample according to which such a document is drawn up.

However, there are a number of points that must be considered in a business plan:

The first part necessarily contains the personal data of the entrepreneur. Here you should describe in detail the features of the chosen field of activity, explain why the chosen business is significant for the state.
The second chapter of the business plan contains a description of the project. It is important to pay attention to the activities with the help of which it is planned to achieve a specific amount of profit.
Of great importance when drawing up a business plan is the study of the market, as well as the niche that the entrepreneur plans to occupy in it. Here you will have to describe in detail the workflow, draw up a list of the necessary fixed and working capital, and bring the staffing table. In addition, this paragraph calculates the cost of the project, as well as the payback period.
At the end of the business plan, information about the anticipated risks is provided. It is important to foresee in what ways the entrepreneur will avoid them.

Only a well-designed plan can become the basis for obtaining a subsidy for organizing and developing a business. Without this document, no commission will consider the possibility of state support. It must contain real data and calculations, since after receiving the funds, you will have to spend them exclusively in accordance with this document. Subsequently, the costs must be documented. The Commission of the Employment Center (Employment Exchange) will check their full compliance with the business plan.

Where can I spend a subsidy for small businesses from the state

Assistance from the state IP is targeted. This means that there is a strictly defined list of areas where the money received can be spent. They should be followed both when receiving money for organizing your own business, and for its development.

Directions for spending the subsidy are necessarily reflected in the business plan. The entrepreneur cannot spend the funds at his own discretion.

Assistance to individual entrepreneurs can be aimed at solving the following problems:

Do not forget that the entrepreneur will have to report on where the provided funds were sent. That is why it is important to keep all supporting documents. It is necessary to carefully collect checks, transfer orders and other payment papers.

Reasons for rejection

Of great importance is not only the study of issues of how to get a subsidy. It is also important to know why public assistance may be denied.

There are several circumstances that can lead to a negative decision on a grant application:

In order to maximize the likelihood of a positive decision on the application for a subsidy, it is important to take into account all the reasons for refusal and try to avoid them.

Changes in 2019

In 2019, the main goals pursued by the support of individual entrepreneurs remain the organization of a new business, as well as an existing one. As before, this method of financing has the most important advantage, which is its gratuitousness. However, there are also serious drawbacks - the complexity in design, the need to make a huge amount of effort in the absence of guarantees of a positive decision.

This year, the government plans to introduce a completely new system based on the principles of a geomarketing navigator. For this purpose, more than 200 business plans were written, which characterize 75 areas of entrepreneurship. Such a system will help the individual entrepreneur decide which area and niche he should consider to create his own business. If the project is implemented, it will be an excellent support for entrepreneurs both in 2019 and in the future.

Other types of support that individual entrepreneurs can receive from the state in 2019 include:

transfer of real estate for rent on favorable terms;
the use of infrastructure that was specially created by government agencies for the development of entrepreneurship - business incubators, technology parks and other companies;
sale of property owned by the state at a reduced cost.

In 2019, it is planned to provide not only one-time financial assistance to individual entrepreneurs, but also to issue state grants. To participate in such subsidies, an application must be sent to the authorities involved in the distribution of funds.

The Ministry of Economic Development is going to start using a qualitatively new register of small and medium-sized businesses in 2019. Its creation will take place automatically. If an entrepreneur is included in the new register, he will be able to count on subsidies issued to support small businesses.

State assistance can be an invaluable support in the creation and development of an IP business. It is worth considering this possibility, because the subsidy is gratuitous.

Many aspiring entrepreneurs face financial difficulties at the stage of establishing a business. The easiest way to solve this problem is government concessional lending. There are many programs under which the state allocates funds to developing enterprises at low interest rates. What you need to do in order to get a soft loan as an aid to small businesses from the state in 2019, we will tell you in this article.

prospects

In 2019, the government of our country plans to revise the conditions for lending to small businesses. In particular, the annual interest rate on bank loans will be set at 10-11% per annum. In addition, the active support of the Central Bank of the country will ensure the refinancing of projects with a minimum rate of 6.5%. The maximum threshold will be 11%.

In addition, a geomarketing navigator system will be launched, thanks to which entrepreneurs, without additional research, can get comprehensive information about their chosen market segment. For this, more than 200 business plans have been developed in 75 areas of business activity. If this project is approved, state assistance for the development of small businesses in 2019 will be a pleasant bonus for start-up entrepreneurs who open their own business in such difficult economic conditions.

Types of state assistance to small businesses

Federal programs

For 10 years, the government of our country has been allocating funds to regional budgets that are intended to support small businesses.

The following can count on helping businesses in a crisis from the state:

Start-up entrepreneurs;
Manufacturing enterprises;
Companies that are engaged in ecological tourism;
Organizations whose activities are related to folk art.

Small business support

It should be noted that assistance to small and medium-sized businesses from the state is expressed not only in financial support, but also in the provision of various free services.

It could be:

Training (seminars, trainings, etc.);
Consulting on legal and economic issues;
Organization of fairs and exhibitions to promote goods and services;
Provision of land plots and industrial premises.

Subsidy from the Employment Center

Everyone knows that before you need to find start-up capital. If you do not have your own savings, do not immediately run to the bank to get a loan. Aspiring entrepreneurs can get government assistance to start a small business through the labor exchange.

For this you need:

Register with the employment center as unemployed;
Develop a competent project with calculations and a detailed description of the planned activities;
Apply for participation in the competition.

The committee will review your plan and make a decision. If it is positive, you can register an individual entrepreneur or LLC, receive money and start working. Such financial assistance from the state to small businesses is issued free of charge, but the entrepreneur must submit to the regulatory authorities a detailed report on the intended use of funds.

Property support

There are several more types of assistance to start-up entrepreneurs from the state in 2019:

Before submitting an application for participation in the competition, you need to collect all the necessary documents, including confirmation that you have not received any grants or cash subsidies before. In addition, you need to be trained in special entrepreneurship courses that work with regional small business support funds.

Loans

If for some reason you were denied gratuitous financial assistance, you can get a loan for a small business from scratch from the state at 5-6% per annum.

This type of state support is available for enterprises:

Engaged in the development of innovative production;
Focused on import substitution or production of export products;
Engaged in the production of oil and gas equipment.

In other words, soft loans to small businesses from the state in 2019 will be available to enterprises that operate in priority sectors of the economy.

Procedure for obtaining a soft loan

How to get help for small businesses from the state in 2019? First of all, you need to contact the partner fund bank, provide all the necessary documents, and submit an application. After that, you need to wait until the bank considers your application and makes a decision. If the borrower is unable to post collateral, the financial institution emails the client's documents and a guarantee application to the said fund.

The application must be considered within three working days. If a positive decision is made, an agreement is drawn up between the credit institution, the fund and the entrepreneur. Since we are talking about profitable, before making a decision, the fund conducts a thorough analysis of the borrower's business in order to assess its financial stability.

Where and how to get a loan for a small business?

It should also be noted that a loan from the state as an aid to small businesses can also be obtained from a regional or municipal fund. Start-up entrepreneurs are given small loans for a short period of time. Microcredit is great for businesses with short production cycles. If things go well, the businessman can count on more impressive assistance to small businesses from the state in 2019.

Another profitable tool for concessional financing is a back-to-back loan. This option can be used to implement . The state issues small loans that are intended to repay the main loan. Thanks to this, the client receives a deferral of interest payments for up to one year. During this period, he can safely engage in the development of his business.

The easiest way is to develop some kind of innovative project. In this case, you can count on active support from the state, since such activities have a positive effect on the development of science.

To whom are soft loans issued?

To date, preferential lending for start-up entrepreneurs has become available in many banks. Preferential conditions in different credit organizations have significant differences, but despite this, the main trend can be identified - this is a low interest rate, a long loan repayment period and a simple registration procedure. Concessional lending is an ideal option for implementation.

Since much less funds were allocated for federal subsidies in 2019, the regions will finance only the most priority areas of entrepreneurial activity - agriculture, innovation, scientific and technical development, and the production of essential goods. According to experts, this is the social sphere and housing and communal services. These activities receive comprehensive support from the state.

There are also restrictions on obtaining soft loans. Such a loan is not eligible for persons who:

Bankrupt or on the verge of bankruptcy;
In the past, they received a soft loan, but did not repay the debt;
Have any debts to government agencies.

Do not forget that small business assistance programs from the state may differ depending on the region. Therefore, before applying to the Small Business Support Fund, you need to carefully study the provision on the guarantee. In some cases, the fund provides a guarantee not for the entire amount of the requested loan, but only for a part of it;
If you provide reliable collateral and correctly execute all documents, the likelihood of obtaining a soft loan under the microfinance program will increase significantly;
Before you get help for small businesses from the state at the Employment Center, carefully think again whether you can account for all the funds spent. The subsidy can be spent only in strict accordance with the business plan. All expenses must be confirmed by checks, receipts and other payment documents. If you know exactly how to increase your capital with a small amount of money, you can safely apply for such help.

conclusions

State support programs are the best way. The opportunity to develop your own business at the expense of budgetary funds can be found in any region. The most important thing is perseverance and desire. Good luck!