Where to get funds to start a business? Where to get money to start a business? Where to get money for public business.

Method 1. Get a loan from a bank

Who suits the best. Stable companies that are not the first year on the market. Banks require money back guarantees: a large number of businesses go out of business due to insolvency, so it is difficult for start-ups to get a loan.

Denis Smirnov, Head of online stock forecast aggregator Raddar:

“Banks are really not ready to finance absolutely every project with an uncertain future that is brought to your attention. And you can understand their logic - no one wants to invest in risky enterprises.”

In 2017, 9,173,042 individual entrepreneurs closed, 16,775 of them were declared bankrupt in court (Rosstat data)

Advantages . The main advantages of business lending: low interest rate, ease of registration, long repayment period of the debt to the bank

Many financial institutions there are special programs under which they cooperate with entrepreneurs. Business.Ru has prepared a summary table with the main proposals.

Bank loan programs for business

Bank	Program	Lending terms	To whom they provide credit		Return guarantee
	"Business Invest"	Rate - from 11% The payment period is up to 120 months. The minimum loan amount is 150 thousand for agricultural producers and 500 thousand for other entrepreneurs.	Legal entities and individual entrepreneurs with revenues of less than 400 million per year, who work at least: 3 months - if the activity is related to trade; six months - in other cases, except for seasonal business; years for seasonal activities. If an individual entrepreneur takes a loan, then at the time of execution of the contract he must be less than 70 years old.		Issued on bail, with the guarantee of other persons, or under the patronage of the Federal Corporation for Business Development
	Loan for any purpose	Rate - from 12% Validity - 3 years / Maximum loan - 1 mln.	Individual entrepreneurs who opened a bank account		Without guarantors and collateral
	Business loan	Rate - 15.5-17% Loan amount - from 300 thousand to 1 million.	Organizations and individual entrepreneurs that have been operating for at least 12 months. Entrepreneurs must fall within the age group of 22-65 years	Legal entities must confirm the intended use
	Investment lending	Rate - from 10% Loan term - up to 10 years Loan amount - up to 150 million.	Small business entities	They require collateral (25% of the amount can be released from security), support from guarantors or a small business support fund

Risks. Before you take a loan for business development, carefully evaluate your options: whether you can repay it. You can get legal advice. Remember: for a novice entrepreneur, this is not the best source of funding.

At first, it is extremely difficult to build a business, you need to pay rent, wages. And then there's the loan, which can not even be postponed. You can borrow money from the bank if there is a source of repayment outside. Plus, you run the risk of ruining your credit history. I would not recommend such a source.

How to act. To receive money, you need to fulfill the conditions of financial organizations that they impose on borrowers to guarantee the repayment of the debt:

• take out a special insurance policy that slightly increases the interest rate;
• leave valuable property as collateral: real estate, a car or other liquid expensive things;
• find a guarantor who will be ready to take on credit obligations in case of unforeseen circumstances;
• provide a business plan. The bank employees will not study the entire document, create for them an abbreviated version with the most important aspects activities.

In addition, the bank will carefully check your credit history. Facts of non-payment will significantly increase the likelihood of refusal. If the bank nevertheless decides to cooperate with an unreliable client, it will offer less attractive conditions: it will reduce the loan term and its size, and increase the percentage. As a result, it is unlikely that you will be able to take more than 1 million rubles, and the overpayment compared to the usual conditions can reach 25 percent.

The probability of a positive decision also directly depends on the purpose of using the money. Most often, entrepreneurs take out a loan to build working capital, acquisition of licenses for activities, purchase of equipment and equipment of the enterprise itself.

Olga Danilova, Deputy Head of Accounting Outsourcing Department

Regardless of the amount of the loan agreement, conclude it in writing. If the contract does not specify interest, the organization must pay them at the key rate in force in the relevant periods. The contract may include special order payment of interest. If this is not specified, interest is paid monthly up to and including the date of repayment of the loan.

note: in addition to interest under the loan agreement, the document may provide for additional payments. Check the contract and organize accounting support companies can .

Who will not be approved for a loan

The following people are most likely to receive a denial of a request for funds:

• Legal entities and individual entrepreneurs who will not be able to pay at least part of the costs of starting a business
• Entrepreneurs with fines and delinquency on loans issued earlier
• Companies declared bankrupt
• Applicants with an unprofitable business plan

The hardest thing is getting money for a business from scratch. Usually, financial institutions sign contracts with businessmen who have been successfully doing business for at least one or two years. But if the bank recognizes that the goal is financially promising, it can even cooperate with a novice businessman. Otherwise, seek help from organizations that will apply to the bank. Similar funds operate in 82 constituent entities of the Russian Federation. For example, these include:

• “Small and Medium Business Lending Assistance Fund”, St. Petersburg;

Funds provide guarantee for paid basis, for example, St. Petersburg takes 0.75% per annum of the amount of the guarantee.

Method 2. Find a partner

Who suits best. Searching for a co-owner of a business is primarily for those who plan to open a business with minimal risk of ruin. For example, these are always popular food outlets or shops.

Advantages. Increase in start-up capital. With a lack of funds, you can always take a "double" loan, or arrange a partner as a guarantor. The possibility of dividing responsibilities: each of the co-owners of the business performs the functions that are most consistent with his experience and knowledge. Support in a difficult situation. A partner will always come to the rescue when an entrepreneur cannot cope with a problem on his own.

Denis Smirnov, Head of Raddar, an online stock forecast aggregator:

The advantages include the possibility of reducing costs at the initial stage, if responsibilities are correctly distributed in the team. This, however, is a rather momentary benefit, since the rapid development of the enterprise will still require the involvement of qualified personnel.

Important . Responsibilities that cannot be distributed can be safely outsourced. This applies to specialists, without whom a start-up company cannot do, but it is too costly to hire a staff. For example, a lawyer, a labor protection specialist, an accountant. For example, the services of an accountant will cost an average of seven thousand rubles.

Among the benefits are also increased useful connections and support in a difficult situation: it is easier to make decisions together.

Risks. The partner can leave the business at any time and receive compensation for the part he owns, he also has the right to sell his share to a third party. New person who comes in his place, can bring discord in the work and prevent the implementation of the existing strategy.

Vyacheslav Zolotukhin, ideologist and founder of the professional social network Evolution with blockchain technology:

You may not work well with your partner. And if a partner was attracted at an early stage, then you can sell a huge part project for super-small money, and it is very unprofitable.

How to act. Carefully evaluate the person with whom you plan to do business. He not only must have certain knowledge and skills. But also be trusted.

Dmitry Chernov, chairman of the committee of the Orenburg branch of Opora Rossii:

You must be 110% sure of your partner. There are dishonest partners who are trying to return their funds, hang up an additional percentage, go out of business, frightened by the first difficult months

Develop a joint business plan that will satisfy both aspiring businessmen. You can give all your best only to a project that impresses;

Fix the issues of joint business in the partnership agreement. An official paper will help resolve disputes that often arise even between close people.

Important. Do not cooperate with relatives. Very soon they will feel that they are in a privileged position and will begin to make additional demands.

TO joint management business can involve not only acquaintances. Startup partners can be searched for on special Internet sites. You can also get investment there by presenting your project or an already operating business. To Russian platforms operating in this direction, relate:

• Business is a special forum created to find and attract business partners. Every day there are up to 10 proposals for doing business. You can create your own thread and talk about the benefits of the idea;
• StartupPoint is the first Russian platform for finding investors and partners. The database contains more than 4.5 thousand projects.

Method 3. Contact investors

Who suits the best. Business development investments assume that the investor will receive certain cash while completely withdrawing from the direct conduct of business. Therefore, if there are plans to open simple business, for example, a car repair shop, then it is better not to contact investors. The method is best suited for those who have discovered new technology or plans to bring a unique product to market. At the same time, keep in mind: one idea is not enough.

Zamir Shukhov, general manager and partner of Global Venture Alliance GVA:

There are many interesting memes on the Internet on this topic. One of them depicts a meeting of two people. One says to the other: “You know, I have a great business idea and all I need is investments, developers, an office and help with the first clients.” And the second answers him: “So, in fact, you have nothing!”. In fact, it is also real situation affairs. If a person only has an idea, then it is extremely unlikely that anyone will be ready to give him money for this idea, unless it is a bank and does not pledge some property against a small business loan.

An example of an investment agreement

Advantages. Accumulate a certain amount necessary for the implementation own project difficult, taking a loan from banks is unprofitable and fraught with falling into a debt hole. Therefore, aspiring entrepreneurs often seek to attract outside investors to their business. An example for inspiration is Apple: by investing 91 million of other people's money, the owner of the brand managed not only to receive a huge income himself, but also to return 154 million dollars to investors.

Risks. When attracting investors, remember that you will have to part with part of the profit. Moreover, if the business has to be liquidated, the investor will receive the money first. The entrepreneur himself may still owe to third parties. In addition, the investor owns a certain part of the company's portfolio. He can participate in decision-making and even initiate the sale of the company if he has a certain block of shares or owns a significant share.

How to act.

Many individuals and a number of organizations can be involved in investing in a project, for example:

1. Friends and relatives. Russians prefer to save money rather than put it into action. This position is often due to low financial literacy. However, people are often ready to trust their savings to family members or acquaintances, especially if the specter of big profits appears before them.
2. Established businessmen. Business people usually know the value of money and are willing to invest only in projects that are more likely to pay off. Therefore, it is worth contacting him only if the idea is framed and supported by appropriate calculations.
3. Investment funds. Organizations that specialize in business support and receive the main income from the paid-back investments. Therefore, the choice of candidates for receiving funds is approached carefully. A novice entrepreneur will be able to receive funds only if he provides a carefully developed plan for the organization and operation of the enterprise.

A promising place where aspiring entrepreneurs can look for investors is the AngelList platform. There are about 400 companies and 3200 investors in the Russian segment of the database. Also of interest is the Napartner portal, which claims to have attracted about $6.25 million in investments.

Getting a loan is not easy. Investors need to provide comprehensive information about the project. Any investor will want to know what the invested money will be used for, so they require the applicant to detailed business plan, a presentation of the project, which will reflect the essence of the activities of the future enterprise, the cost plan.

It will be easier to find an investor if you can provide money back guarantees.

Pavel Spichakov, managing partner of the Promslavl group of companies:

For investors, it is important that a significant part of the money is invested not in virtual, but in tangible assets: land, buildings, equipment. One of the activities is to help active people who want to create own production in search of investors.

Method 4. Take advantage of crowdfunding

Who suits the best. Crowdfunding is mainly used to raise funds for charity. Of course, you can also raise enough money for the cannery, but the process will take a lot of time. Therefore, for those who are looking for quick investments in a business, this method is not suitable. As well as for entrepreneurs who do not have their own funds or are not ready to reward investors.

Advantages. Crowdfunding allows you to attract money from not one, but many investors at once. For start-ups, this is an opportunity to start activities with little or no upfront investment, advertise their services and assess the demand for them in the market.

Alexey Basenko, SimpleFinance CEO:

Crowdfunding is an alternative way to raise finance for business development. The client does not need to spend time visiting the office, the whole process takes place remotely, online, with a minimum package of documents. In fact, a full-fledged alternative to the banking system is being created.

Risks. Starting a business with the help of crowdfunding should be done with extreme caution: if the project fails, you can lose your reputation and say goodbye to the opportunity to open an existing business in the future.

Zamir Shukhov, CEO and partner of the Global Venture Alliance (GVA):

Crowdfunding is a very good and interesting tool. But if you collect the money and then don't deliver the product to the people, you can even be prosecuted in court. Basically, it's a scam. Here you need to be very careful and understand that you must definitely implement the product and deliver it to your customers.

How to act. Register on a special site on the Internet, post a video presentation of your project, tell us about it. You can try your hand at Planet.ru or Boomstarter.

Semyon Kibalo, an entrepreneur and traveler from St. Petersburg, collected 202,304 rubles in 40 days for his project “Reality Show Business from Japan”. As a result, he formed 10 tips to help you take advantage of crowdfunding.

Semyon Kibalo, entrepreneur and traveler from St. Petersburg, author of the blog "idea hunter":

1. Tell how your project can be useful to others, convey its value.

2. Make a short, honest video presentation about your idea.

3. Enter reasonable numbers to collect.

4. Organize small, interesting incentives for sponsors.

5. Don't wait for money to come to you.

6. Make a fundraising plan.

7. Be prepared for both positive and negative feedback.

8. If you run out of strength, do not despair, the peak of the collection falls on the first and last weeks.

9. Work as a team.

10. Thank every person who supported your project.

Guzel Sanzhapova, the creator of the Cocco bello brand, raised 4.5 million rubles through crowdfunding for 4 of her projects for the production of cream honey in the village of Maly Turysh.

Method 5. Get a grant

Who suits the best. Most often, grants and competitions are held among entrepreneurs working in the field of high technology, medicine, education, ecology, as well as those who offer innovative projects.

Advantages. Winners receive special grants, which are used as initial investments to start a business.

Risks. Typically, a grant is awarded subject to certain conditions. And only if the company meets them, the money will be transferred to its account. Separate requirements must be met in the process of disbursing funds. If the granting organization believes that the company is doing the wrong thing, it can withdraw the money. This happened in 2015 with the residents of the village of Kholmogory Oleg and Anna Feneva, who received a grant of 1.8 million rubles for the development of a peasant farm. They did not fulfill one of the conditions - the lack of official employment. For this, entrepreneurs began to withdraw money through the courts.

How to act. Basically, the state is engaged in holding competitions. It also determines the priority areas for business development. In 2018, we developed more than 250 projects in 80 areas of activity. Within this framework, start-up businessmen are assisted.

A prerequisite for such programs is the payment of part of the costs at their own expense. You need to deposit from 30 to 70% of total cost project.

For convenience, use the business navigator service, it will help you find all available support measures, see purchase options ready business or franchise, as well as use analytical data to select the type of activity in your city.

Business navigator in St. Petersburg

An example of a competition from a private company is Lipton GoodStarter. The competition supports start-up entrepreneurs who work in social sphere. The winner is determined by the number of likes - whoever has the most likes will receive funding. Thanks to the competition, you can get about 300,000 rubles, both new projects and existing organizations can participate.

Competition from Lipton

Method 6. Take advantage of state support

Who suits the best. The state allocates funds only to entrepreneurs working in certain industries. They finance businessmen working in the field of:

• innovation;
• social orientation;
• tourism;
• agro-industry.

In addition, support is provided to start-up entrepreneurs who organize small and medium-sized businesses.

The regional government allocates subsidies for the development of priority sectors, holds competitions for grants for young businessmen and women entrepreneurs.

Advantages. The main advantage of public investment is the absence of the need to return the funds received. The state benefits not from making a profit, but from the development of a lagging industry at the expense of new enterprises.

Galina Khvostova, sales promotion expert

Please note that subsidies are money that the state gives you and you do not need to return them. It’s not that you don’t have to pay interest, but you don’t have to return anything at all. That is, you took them, spent them on your business, and reported as expected. All - you are free.

Risks. An entrepreneur who has received a subsidy has certain obligations. For example, they must report on the use of funds and use them only for their intended purpose. The funds themselves must be used exactly for the purposes specified upon receipt. Otherwise, the entrepreneur risks not only losing his reputation, but also falling under administrative or even criminal liability.

How to act.

Check that your line of business is included in government support programs (see table below).

Denis Smirnov, Head of Raddar, an online stock forecast aggregator:

Russian state in last years not only makes loud statements, but also really helps start-up businessmen in starting their own business - large, national assistance programs are listed in priority areas until 2025.

State business support programs

Program	Who can get	What help will
"Start"	Businessmen operating in the field of IT technologies	The state invests 2.5 million rubles, the entrepreneur must find an investor who will additionally invest the same amount in the business
"Smart ass"	Entrepreneurs under the age of 30. The advantage of innovative technologies working in the industry	500 thousand rubles
"Development"	Businessmen who plan to expand the enterprise and organize additional jobs	Up to 15 million rubles
"Cooperation"	Small and medium-sized enterprises that are ready to modernize and integrate into large industrial production	Up to 20 million
"Internationalization"	Companies that plan to develop projects in cooperation with foreign companies	Up to 15 million

There are also regional programs. For example, they subsidize entrepreneurs who open a business in a certain field of activity, for example, Don's Small Business.

But if you still managed to fit into the framework of the projects, you can get funds that you don’t even have to return in the future.

Bonus

Is it possible to open a business without money

Initial investment will be required in any case. But there is good news: their size can be so small that it the right amount come out of own funds. If there is no money at all, and the desire to do business is huge, a way out can be found.

Anastasia Yakusheva, owner of the network of showrooms "Lady's Showroom":

“The lack of money will have to be compensated with your time, your faith in the project, your creativity, your willingness to work around the clock, constantly learn and be receptive to new ideas and trends. Be prepared for the fact that at the start with a zero budget you will attract friends and acquaintances. For example, they can test how relevant and in demand your products or services are. Check if they are ready to buy them? If yes, move on to the next stage - generate demand and collect pre-orders even before you have a product or service ready for sale, before you have invested in it. No budget - bet on word of mouth and networking than more people you are known and talked about, the more they help you, the sooner you will get your first sales.

Funds for starting your own business can be obtained as part of the state program to support small businesses through the Employment Center (CZN). The institution provides a subsidy free of charge in the amount of 59,000 rubles. The state is interested in providing this kind of subsidies, since these support measures reduce the unemployment rate and increase tax revenues to the state budget.

Requirements for the recipient of the grant

Citizens who:

• have reached the age of majority;
• do not have a job and are registered with the employment center;
• for more than 1 month they cannot find a job through the Employment Center due to the lack of a suitable job.

In addition, there are a number of restrictions. You will not be able to receive a subsidy:

• women on maternity leave;
• citizens under the age of 18;
• pensioners who retired by age;
• full-time students;
• employed citizens;
• operating individual entrepreneurs and citizens who have registered an LLC. At the same time, it is possible to take advantage of state support even after the closure of the business, but not earlier than six months after the date of liquidation;
• citizens dismissed from work by a court decision or convicted;
• some military personnel;
• persons who were fired from their jobs for repeated violations of labor regulations;
• persons who are registered at the employment center, but refused two or more offered jobs within 10 days from the date of registration;
• persons who regularly violate the requirements of the employment service.

How to get a grant to start your own business

The amount of the subsidy provided is 59,000 rubles. To get help and start a business, you need to go through the following steps:

1. Register as unemployed and apply for unemployment benefits at the employment center.
2. Get advice from an employee of the EPC on the provision of subsidies.
3. Submit a declaration of intent to start your own business.
4. Get tested.
5. Prepare a business plan for the future enterprise.
6. Submit a developed business plan and an application for a subsidy to the EPC. Based on the results of its verification, a special commission will decide on the possibility of providing money for starting a business. It is finally accepted by the director of the institution based on the conclusions of the commission within no more than ten working days.
7. Conclude an agreement on the transfer of funds with a positive decision of the commission.
8. Register an individual entrepreneur or LLC.
9. Provide business registration documents and reports on all expenses that were made using state-provided funds to the employment center.

Drawing up a business plan

The purpose of a business plan is to describe the products that the company is going to produce, or the services that are planned to be provided. It is also worth noting necessary equipment, availability of employees and their number, ways of selling goods or services. And also calculate the expected profitability of the future enterprise.

You can draw up a business plan yourself or entrust this work to specialists. When preparing a document on your own, it is worth considering the main points that the commission draws attention to:

• First of all, the specialists of the employment center will evaluate the originality and innovativeness of the business idea. Non-standard ideas are preferred.
• Profitability of the future business.
• Jobs created. A business project that involves the employment of employees will be a priority, since the main task of the employment center is to employ the unemployed.
• Availability of initial capital. Subsidies are provided only when investing own funds of start-up entrepreneurs. At the same time, personal finance should be attracted 2-3 times more than the funds provided. Otherwise, the grant will most likely be denied.
• Expense items. It is recommended to write in the business plan all items of expenditure for which it is planned to spend the subsidy funds. At the same time, it is better to indicate the purchase of fixed assets, for example, furniture, appliances, transport, as items of expenditure. You should not spend these funds on advertising or renting a room.

After drawing up a business plan, the EPC should be notified about this. The Commission will appoint a day for its presentation and defense. During the defense of the project, it is worth dwelling in detail on each of the points of the plan. This will show your interest in implementing the business idea. It is also worth preparing for possible questions from members of the commission. These may be issues related to the choice of taxation regime or plans for detuning from competitors.

A well-written business plan that describes original idea, will allow you to receive a subsidy to start your own business. As a rule, for such projects, employees of employment centers often make a positive decision to provide support.

Required documents

Registration of state support for starting a business is carried out when submitting a set of documents. It includes:

• Internal passport of a citizen of the Russian Federation with a mandatory registration mark. Both the original and copies of the document are provided.
• Employment history. You will also need an original and a copy.
• SNILS.
• Individual taxpayer number (TIN).
• Help with last place income statement for the last three months.
• Education document.

Other documents may also be required, which will be reported by an employee of the employment center.

Registration of a business after a positive decision

After the business plan has been reviewed by the commission and a positive decision has been made to provide state subsidies you can move on to registering your own small business. Just like with a business plan, you can do everything yourself or entrust the work of an outsourcing company specializing in these

Now in most credit institutions there are entire programs to support entrepreneurs - for medium and small businesses, including start-up businessmen.

This method cannot be called popular, since, often, the conditions for such lending are quite stringent, for example, a high interest rate on a loan, strict requirements for collateral or credit history. It's scary for a new entrepreneur.

Although, it makes sense to study all the offers for loans and loans from different credit institutions, because it may turn out that you will find something suitable for yourself. Individual lending proposals (for example, consumer credit) should also be considered. Often the conditions of such loans are more simple.

2. Borrow from relatives and friends

This is one of the most common ways. It is good if you have friends or relatives who trust you and can lend funds for. So that relations with them do not deteriorate, you need to calculate everything and be confident in your abilities. Most likely, this option is appropriate if you need a little money.

The main advantages of this option: you do not need to look for a guarantor, collect various documents, and, most importantly, you do not overpay interest.

3. State aid

At the moment there is a special program to support small businesses. In accordance with this program, you can get a certain amount to start your own business.

As a rule, these are entrepreneurship courses in regional centers employment and drawing up a business plan for your idea.

If your business plan is accepted, you are guaranteed to get help- you are given a certain amount. It is also possible to receive a grant for a particular type of activity. Usually, this is considered a socially useful activity when you can benefit the state and the population.

4. Unions of entrepreneurs

Such organizations exist in almost every city. It can be either a department of the city administration or a special one created. fund to provide financial assistance.

In Russia, the largest union is the Federal Fund for Support of Small Business. What can you expect when applying to this organization? The first is funds on credit favorable conditions. The second is the opportunity to attend all sorts of trainings, exchange of experience, advanced training. Thirdly, help in solving various difficulties that arise during your activity.

5. Independent search for an investor

The method, which is so developed in many states, is just beginning to gain popularity in our country. There are companies and people who have free funds and are ready to invest part of them in someone else's business in order to receive passive profit from their investments in the future.

To find such a person and get the necessary amount of money from him to fulfill your dream, you first need to draw up a business plan and be able to convince you of the success of your undertaking.

But here it is necessary to take into account the fact that by attracting an investor, you will not become the sole owner of the business.

6. Earn on your own

This is the most reliable and useful search for start-up capital. As long as you will employee, earn and save money, you will learn to go to the goal and save.

In this case, only pluses await you - you will not depend on the investor, you will not have to share your income with him, or from the bank, undertaking to pay the loan and interest, or from friends or relatives. By providing your own start, you will earn experience that will help you to stay as a businessman and grow your business successfully in the future.

Save up or get start-up capital and is the first part of the coming undertaking. Next, you will need to overcome more than one obstacle on the way to the development of your enterprise. But those entrepreneurs who have made up their minds and gone all the way to the end know that the best thing to do is to do what you love. Decide on ideas and start with confidence!

You will need

• -the passport;
• -employment history;
• - insurance certificate of pension insurance;
• -education document;
• - certificate 2-personal income tax from the last place of work;
• - an account opened in your name at Sberbank.

Instruction

Register with the public service. State subsidies can only be officially granted to citizens. To do this, you must reach the age of eighteen and have a work book with a record and seal about, and the reason for dismissal and the time that has passed since its moment are absolutely not important. The latter will only affect the amount of the monthly allowance that you will receive after registration with the employment center (CNE). If you have not worked anywhere yet and do not have work book, then you are also eligible to participate in the state program to receive a subsidy to start a business.
For registration, you will need to submit a package of documents to the CNC.

State at the employment service that you want to participate in the state program for subsidies. No one has the right to refuse you, except if you have already received from the state financial support to start your own business.

Decide on the type of work you want to do. Please note that each region has its own restrictions and the state does not fund all activities. It is especially easy to get money for a business related to animal husbandry, poultry farming, crop production and the provision of various household services.

Compose business plan. It consists of 6 sections:

• information data;


• essence of the project;


• production and marketing plan;


• justification of the project cost;


• calculation of the cost of products / services, sales prices;


• substantiation of the viability of the project.

Business plan forms will be issued to you at the CNS.

Hand over the business plan to the employment service, after making a copy of it. This is necessary so that you can refresh your memory before defending the project after it has been approved. Project approval time - up to 2 weeks.

Protect the project. The defense takes place in the employment center in front of the commission in the form of a conversation, at which you just need to answer a series of questions regarding your future entrepreneurial activity. After the defense, you will need to wait for the decision of the commission, which is made within a few days.

If the decision is positive, come to the employment center and sign the subsidy agreement. Then head to tax office and register your activity, preferably as an individual entrepreneur ( individual entrepreneur). It will be faster, cheaper and easier. Your documents will be ready within 5 days.

The state system of measures to support small business allows any interested citizen to receive money for business. The state offers start-up entrepreneurs subsidies, grants, credit support and benefits. To receive the target payment, it is necessary to correctly draw up a business plan with detailed calculations, collect Required documents and fill out an application form.

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Is it possible to get money for business development from the state?

Exists state system measures to support small businesses. Any interested citizen in 2019 has the right to use the subsidies that the state gives to develop their own business. In order to receive the target payment in many cases, it is only necessary to correctly write a business plan and carefully carry out all the calculations.

The video tells about how realistic it is to receive a grant in Russia today. Filmed by the MYSLI BUSINESS channel (THE BUSINESS THOUGHT).

Types of state aid

The state helps small businesses in many ways and implements support in various directions. Any support from the state is an effective incentive for entrepreneurs to start their own business in 2019.

There are such types of support from the state:

• subsidies for unemployed citizens for the subsequent registration of individual entrepreneurs;
• grants for the development of entrepreneurial business to experienced business owners, which allows them to expand production;
• lending support; allowing you to pay on your own only the amount of the principal debt;
• benefits for participation in fairs and exhibitions, covering up to half of the funds spent on participation in them;
• subsidies to farmers for the purchase of machinery, raw materials, livestock or infrastructure development.

Support can be obtained from the following authorities:

• in the employment center;
• from the local administration;
• in a government department.

Small Business Grants

The grant is given to those entrepreneurs who already have personal business. This distinguishes a grant from a subsidy. A company wishing to receive a grant must be registered no more than two years ago. Such companies or individual entrepreneurs are recognized by the state as start-ups and can be participants in the small business support program.

The amounts of payments in each region are different, and range from 300 to 500 thousand rubles. The transfer of subsidies to the company's current account from the state budget does not happen quickly. The owner of the company should take this into account when financial planning activities of your enterprise.

The grant does not fully cover all the expenses of the entrepreneur, the state only performs the function of co-financing. Therefore, this type of assistance requires own investments into business.

After receiving a grant, it will be necessary to report to the state on the direction and amount of the allocated funds were spent. When checking, the authorized body may request receipts, contracts and checks.

What documents need to be collected?

Grant conditions may vary from region to region. Therefore, you need to familiarize yourself with all the rules for providing documentation in advance.

In order to take money for the development of small businesses from the state, you need to provide the following documents to the competent authority:

• business plan of the enterprise;
• constituent documents of the company;
• completed application form.

Business plan (title page) Constituent documents Application form

Subsidies for start-up entrepreneurs

To receive a subsidy, you need to contact the employment center. But the program does not work in all regions of Russia. In the constituent entities of the Russian Federation where such a program operates, in order to subsidize it is necessary to register with the employment center as unemployed. The labor exchange will offer the applicant several vacancies. The right to receive a subsidy will arise if employers refuse all vacancies.

After the right to a subsidy arises, a business plan must be developed and defended before the commission of the employment center. If the defense of the business plan is successful, the labor exchange will sign an agreement and transfer the funds to the account indicated in the document. The amount of the subsidy is usually about 60 thousand rubles.

Aspiring entrepreneurs who plan to operate in the tobacco or alcoholic products, cannot qualify for a subsidy from the employment center.

Future activities should be related to the solution of any problems of the population. The priority is always applicants who plan to provide socially-oriented services. Creating new jobs for people is a good advantage. It is important to emphasize that business services are intended for people with low income.

Main purposes of receiving funds

Subsidies received by citizens officially recognized as unemployed may be spent at the discretion of such persons. In order not to arouse suspicion from the employment center, it is necessary to register as an individual entrepreneur as soon as possible after the issuance of money.

The grant can be used for the following purposes:

• payment of rent payments;
• workplace equipment;
• purchase of fixed assets of the enterprise;
• purchase of materials, inventory, raw materials for the organization of production.

A package of documents for obtaining subsidies

Unemployed citizens must express a desire to become an entrepreneur in the employment center. Documents for receiving grants can be issued independently.

The labor exchange must provide:

• business plan with financial calculations;
• an application filled out according to the template issued by the labor exchange.

How to draw up a business plan for obtaining subsidies?

There is no single template for writing a business plan. depends on the chosen field of activity. Therefore, you can download a sample from the Internet and add or change the proposed sections.

1. Title page. Name of the project and organization.
2. Summary.
3. Objective of the project.
4. Information about the project (participants, methods of financing).
5. Market analysis (its current state, competition, pricing).
6. Production plan.
7. Marketing plan.
8. Financial plan.
9. Risk analysis.
10. Applications.

The business plan should be simple and clear. The goal is to prove that the project will be profitable and socially oriented.

The Academy of Professionals channel talks about five rules for drawing up a business plan to receive a subsidy.

Help for the self-employed

Legislatively, self-employment is enshrined in the Federal Program to Support Small and Medium Businesses for 2005-2020. The main points of work are regulated federal law dated 14.06.1995 No. 88-FZ. These acts contain the possibility of granting by the state various kinds assistance, including non-material, to citizens for organizing their own enterprises.

Points of non-material assistance:

• providing information about the most important areas of business activity;
• consultations in the field of creating an entrepreneurial business;
• testing for the presence and analysis of the ability to conduct their own business;
• conducting business theory teaching;
• organization of consultations on the preparation of business plans.

How to get a?

To receive non-material assistance under the self-employment support program, you need to visit one of the local labor exchanges. For employment centers, work with such programs is one of the most important areas. Anyone can apply for such assistance.

What documents are needed?

To receive assistance for the self-employed, you just need to fill out an application and submit it to the employment center. No other documents will be required.

Financing the reimbursement of interest on loans

The program involves the state taking on the load of interest on the loan in the amount of from half to three quarters. The specificity is that the beneficiary must pay the amount of the principal debt on his own. It is not recommended to apply for such assistance to those entrepreneurs who do not have the funds to repay the loan, even without taking into account interest.

Funding for costs to participate in fairs

Subsidies for participation in regional, national or international exhibitions and fairs. This is how the costs of registration, accommodation, organization exhibition stand. The main condition for providing funding is the viability and viability of the business idea.