Subsidies for small and medium-sized businesses as government support for entrepreneurship. State support for Small and Medium Business Support Organizations

Business development is one of the highest priority government tasks. After all, business is the basis for budget formation. From this article you will learn what the essence of the small business support program is, how to get a subsidy and what are the conditions for receiving a subsidy in 2019

Economic instability in Russia, which has been observed for more than a year, has deprived many citizens of jobs and decent wages. Small and medium-sized businesses have become an alternative for this category of the population. However, due to a lack of funds, most do not have the opportunity to open their own business. That is why the state decided to issue subsidies for opening and supporting small businesses in 2019.

What is the subsidization of individual entrepreneurs?

A subsidy is a type of non-repayable cash assistance for business entities, which is issued for the intended use (business).

Assistance to small businesses may be allocated for the following purposes:

• acquisition of premises;
• purchase of equipment, goods for subsequent sale;
• purchases of intangible assets.

The allocated funds must be directed to the development of small and medium-sized businesses. Government authorities will later be able to request official supporting documents from the recipient, for example, checks, invoices with the specified amount. If the funds were not fully spent, the rest will need to be returned.

Types of financial assistance and conditions for supporting small businesses

1. Grants for entrepreneurs who are just starting a business, amount to 60,000 rubles or 12 monthly benefits. Grants to support small businesses are provided to individuals who have been registered as business owners for more than 2 years. Funds are issued on a competitive basis with the aim of using them for business needs, in addition to renting premises and paying wages to hired workers. The grant is also given to unemployed persons, low-income families with young children, disabled children, and former government or military service employees.

1. To purchase fixed assets- the state program to support small businesses in 2019 guarantees the issuance of up to 60,000 rubles for entrepreneurship, which in the future will increase the number of jobs, tax revenues to the federal budget, and increase the social significance of small businesses.

Private entrepreneurs in the industrial, housing and communal services, economic and social spheres who:

• prepare and defend a business development project;
• will provide a complete package of documents upon request of the commission.

1. Cash subsidies for business from the Employment Center 2019- the state offers up to 25,000 rubles for opening a small private business.

1. Compensation for loans previously received for the development of small and medium-sized businesses- the 2019 program was proposed by the Russian Government for financial and property support.

To cover part of the interest rate, the entrepreneur provides a business plan and the necessary documents, after which a decision is made to provide financial assistance to this person.

1. Financial state support for socially vulnerable categories of the population(those released from prison, disabled people, single mothers and fathers, graduates of boarding schools, etc.) - the program provides for the issuance of subsidies in 2019 up to 300,000 rubles to support planned measures for the stabilization and development of entrepreneurship.

1. Training and internships at the expense of government funds, professional retraining(can be issued with full or partial coverage of expenses).

1. Business incubators (usually based on Small Business Support Funds)- assistance in expanding the area of ​​working space (renting premises, warehouses, etc.), training in the basics of entrepreneurship, assistance in drawing up a business plan based on a sample for receiving a subsidy.

1. Assistance in maintaining accounting and tax records free of charge (outsourcing).

1. Promoting the development of innovative technologies 2019- the state allocates funds to cover the costs of promoting a new product, acquiring a patent and licensing rights for it (maximum 60,000 rubles).

Is it possible to receive subsidies to support small and medium-sized businesses in the Russian Federation and where?

In Russia it is offered state. financing of individual entrepreneurs in special centers and business support funds, as well as in the Employment Center.

Getting help at the Job Center

To receive financial assistance, officially unemployed persons must register with the Employment Center and fill out a standard application form based on the sample.

You will also need to provide the following documents:

• passport of a citizen of the Russian Federation indicating the place of registration;
• TIN in the prescribed form;
• document on secondary or higher education;
• a certificate for the last six months indicating the average salary (for persons who were previously employed);
• other documents (at the request of the inspector).

After submitting documents, service employees will be offered the option of receiving one-time (non-refundable) assistance for starting a business. It is best to first take entrepreneurship courses, draw up a correct business plan and present it to the commission for review.

If the decision is positive, you will need to register with the Tax Inspectorate as an entrepreneur, on the basis of which assistance will be transferred to the unemployed.

State subsidy for starting a business 2019: what is needed?

1. Select the type of activity you plan to engage in.
2. Draw up a business plan for a subsidy.
3. Register as an individual entrepreneur.
4. Apply to the state. body that provides subsidies to small businesses.
5. Confirm the need to receive payments.
6. Compile the approximate costs of opening and developing a business and provide it to the commission for review.
7. Collect a package of documents necessary for obtaining a subsidy (passport, Taxpayer Identification Number, income certificate, etc.).

Within 60 days, the commission makes a decision to provide a subsidy as a way to support small businesses by the state, of which the entrepreneur is notified by mail and by telephone.

Subsidy programs can be found in detail on the website of the portal of the Government of the Russian Federation and the Ministry of Social Policy.

In 2019, the system of state support for small and medium-sized businesses became more improved, which makes it possible to allocate assistance to various segments of the population for any type of activity.

See also:

Every year Russia becomes more and more attractive for doing business. In the World Bank Doing Business ranking, the country ranks 35th among states that create a favorable climate for the launch and development of projects. In turn, Moscow ranked second in the national ranking in terms of investment attractiveness and fifth among European cities according to the international publication Financial Times.

Both targeted government funding programs and small business assistance programs make a significant contribution to the development of the investment environment. In this material we will tell you step by step what kind of support Moscow offers entrepreneurs today for opening, running and developing their business:

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

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

Step 2. Choose premises for doing business. The center's staff will help you get acquainted with various options and tell you about renting non-residential areas owned by the city of Moscow on preferential terms. Today, the initial preferential rental rate for such premises is 4.5 thousand rubles per sq. m. m per year and 1 thousand rubles per 1 sq. m per year for premises located in the basement. The Central Management Office will help you with information about the availability of vacant premises in city technology parks. There are more than 30 technology parks with various industry specializations in the capital. In addition, if at the beginning of your business journey you do not need large spaces, you can get a workplace for a period from one day to 12 months in one of the six co-working centers of the Small Business of Moscow State Budgetary Institution.

Step 3. Decide on financing. CUB specialists will advise on sources of obtaining business financing at different stages of its development, and invite entrepreneurs to attend special educational programs and events where representatives of financial institutions speak. The city currently provides the following types of financial support; all details on them will be provided to the Central Management Bureau:

• Subsidy programs, among them subsidies for compensation of interest rates on loans and leasing payments, for compensation of costs for the purchase of equipment, as well as for participation in congress and exhibition events, and others. If your organization meets the conditions and requirements for grants, they will help you prepare a set of documents and fill out an application.
• Warranty support program in the Capital Small Business Lending Fund. The fund will help attract loans to successfully operating companies if they do not have enough of their own collateral (collateral) for creditors. You can submit an application to the Fund or through the Central Educational Institution. An entrepreneur can independently contact any of the fund’s partner lenders, including 70 banks and 6 leasing companies. The Fund's guarantees cover up to 70% of the loan. Thus, in the first five months of 2018 alone, thanks to this program, entrepreneurs received financing totaling more than 9 billion rubles. It is important to understand that without government support, the lenders would have refused the vast majority of these borrowers.
• Preferential long-term investment loans in the amount of 5 to 100 million rubles, for a period of up to 5 years, the Moscow Fund for the Support of Industry and Entrepreneurship offers companies working in the field of production, scientific research or software development at a rate of 5% per annum, and for residents of technology parks and industrial complexes in Moscow at a rate 2% per annum.
• Financing for startups in the scientific and technical field offered by the capital's Venture Investment Development Fund. The fund provides preferential loans to innovative projects that are at the earliest stages of development and registered in Moscow. To do this, the project initiator must attract funds from a private investor, and then apply for additional funding from the Fund. Today, 57 private investors work with the organization. The co-investor must invest from 50% to 200% depending on the size of the Fund’s loan itself, which can range from 0.5 to 36 million rubles, respectively. The loan term is from 3 to 6 years with a repayment deferment of up to 2 years.

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

Step 5. Enter foreign markets. When production in the capital is established, you can safely think about this. The Moscow Export Center will advise on all issues of the export cycle, train in foreign economic activity at the Moscow Exporter School, help with promotion on the international electronic marketplace Alibaba.com, as well as with international exhibition activities. In the latter case, the center can finance 100% of the costs of participation in the exhibition. One of the important tools for promoting Moscow manufacturers is a unified export catalog, which contains over 1.5 thousand product items from more than 500 metropolitan manufacturers. The Industrial and Guarantee Funds will also help with financing for export activities.

Step 6. If you encounter administrative barriers when doing business in Moscow, then in this case the city will help protect your legal rights and interests, it will come to the rescue, where the hotline operates +7 495 620-20-45 SOS.SHTAB@site

Entrepreneurs can additionally receive information about these and other areas of support at special financial conferences held by the State Budgetary Institution “Small Business of Moscow” in the series “Finance for Growing Businesses” and #MoscowforBusiness, for which you can register on the portal mbm.ru

In Moscow, there are various programs to help small businesses: from providing benefits for renting office space to guaranteeing loans.

 

Supporting small businesses in Moscow in 2015 is especially relevant, since entrepreneurship is going through hard times. The consumer market is shrinking, and instability in the monetary and financial sphere complicates activity planning. At the same time, to this day, various programs are in place that allow newly created companies to receive favorable conditions for starting and minimize their costs.

Type of assistance: Assistance to SB lending

• Organization: MBM Lending Assistance Fund of the relevant Department
• The essence of support: Loan guarantee
• Conditions for receiving: To receive support, an entrepreneur must apply to a partner bank for a loan and receive a positive decision, but with the condition of an additional guarantee. Then the financial institution independently turns to the Fund, which is able to provide security up to 50% of the loan amount. After just 3 days, a decision is made on whether the MB representative will receive credit or not.

Who can become a participant?

Type of assistance: Subsidy for financial and economic activities

• Organization: State Budgetary Institution "MB of Moscow"
• The essence of support: Providing free assistance
• Conditions for receiving: To receive assistance, you should contact the State Budgetary Institution “Moscow City Hospital”, or send an application by mail. The participant needs to collect a package of documents, including an application, a copy of the charter, an extract from the Unified State Register of Legal Entities, a certificate of no debt to the state and extra-budgetary funds, copies of licenses and permits of the SRO for this type of organization, a business plan, information about the premises used (rent or ownership).
• Intended Use: The subsidy can be used for various needs, and in a few months the results will be reported.

The maximum amount of assistance is no more than half a million rubles.

Who can become a participant?

An organization or individual entrepreneur created no more than 2 years ago, with up to 250 employees and revenue of less than 1,000,000,000 rubles. The organization's share must be at least 75% owned by Russian citizens. To receive assistance, a company (IP) must be “registered” in Moscow, have no debts on taxes and fees, loans, or overdue obligations to creditors.

Type of assistance: Subsidy for exhibition activities

• Organization: State Budgetary Institution "MB of Moscow"
• The essence of support: One-time provision of up to 300 thousand rubles for participation in the exhibition
• Conditions for receiving: To participate in the program, you should contact the authorities of the State Budgetary Institution "MB of Moscow" in person or via e-mail, providing a number of documents, including an application, a copy of the charter, an extract from the Unified State Register of Legal Entities, annual financial statements with a tax mark, copies of company participation agreements (IP) in the exhibition.

Who can become a participant?

A legal entity (IP), registered and operating in Moscow, employing no more than 250 employees, with revenues of up to 1 billion rubles, which does not engage in intermediary, trading or agency work. It should also not have debts on taxes or loans, and the organization itself should not be involved in the trade of excisable goods or participate in receiving other subsidies from the city of Moscow.

Type of assistance: Investments in startups

• Organization:"Fund for Promoting the Development of Venture Investments..."
• The essence of support: Providing funds to innovative companies.
• Conditions for receiving: The loan, provided at one and a half times the refinancing rate, is issued for a period of no more than 3 years. The loan amount that a participant can count on is from 0.5 to 8 million rubles. In this case, the participant needs to find an investor, and the Fund will provide the amount of borrowing 2 times that allocated by the private lender. The collateral is a share in the innovative enterprise.

  The entrepreneur's algorithm of actions is as follows:

  1. Select an investor from among accredited organizations.
  2. Reach an agreement with the borrower and prepare a joint appeal to the Fund. You will need an application, constituent documents of the innovative company, cost estimates, business plan, project presentation and some other papers.
  3. Presentation of the project at the Foundation office.
  4. Receipt of funds after concluding a pledge agreement.

Who can become a participant?

Enterprises belonging to the category of scientific and technical sphere, registered in the city of Moscow.

Type of assistance: Coworking

• Organization: State Budgetary Institution "MB of Moscow", club "Delovar", center "Start Hub" and other companies
• The essence of support: Providing an open space for presentations, negotiations, staff training and other needs
• Conditions for receiving: By paying a certain cost for renting a business space, you can get either a dedicated workplace for the required period of time (from one day to a month), a conference room, or a presentation area. Such organizations always have the Internet, opportunities for doing business (office equipment, telephone-fax), an area for relaxation and lunch, postal services, and also lockers for storing personal belongings.

Who can become a participant?

Any business representative, including an individual entrepreneur, freelancer, start-up company.

Want to know what coworking is? What are its advantages over a traditional office? Then watch the video:

Type of assistance: Free legal assistance during registration

• Organization: State Budgetary Institution "MB of Moscow"
• The essence of support: Legal support in preparing documents for registration of a legal form
• Conditions for receiving: Using the electronic form, you can register an LLC, individual entrepreneur, and draw up an agreement. Having selected the appropriate section, you need to enter your data, including TIN, and scan the documents required for this purpose.

Who can become a participant?

Any person (group of businessmen) who plans to carry out work in Moscow and has a Taxpayer Identification Number (TIN) can receive legal assistance. It is worth noting that at the time of writing, the service was provided in test mode.

So, support for small businesses in Moscow in 2015 is being carried out quite actively, at least there are quite a few existing programs. In addition, there are many local and short-term promotions that provide assistance to start-up businessmen: consultations, legal support, discounts.

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). Vasily Puchkov, deputy director of the regional center for supporting the Olympic movement, talks about these and other subtleties.

Grant support

This measure of state support is usually provided by regional authorities. The grant is provided to a start-up 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 cattle breeding, and 1.5 million rubles each. provided to farms operating in other areas. The farm that received such a grant must create at least one job 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 acquisition of equipment are subject to reimbursement: rental of buildings, non-residential premises, rental of equipment and purchase of equipment.

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 of support for investment projects, etc.

• JSC "SME Bank"

More information about support programs and conditions on the basis of which you can apply for state assistance in business development can be found on regional portals for small and medium-sized businesses. 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 organization included in the list of credit organizations selected in the prescribed manner by the joint-stock company "Federal Corporation for the Development of Small and Medium Enterprises", and which has concluded a cooperation agreement with the Department of Science, Industrial Policy and Entrepreneurship of the city of Moscow, or has received approval of the loan organizations for issuing 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% under a loan agreement for medium-sized businesses and 3.5% for small businesses) is reimbursed to banks by the budget. In 2019, thanks to innovations, preferential lending will be provided in 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 at a 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 of the Federal Law “On the development of small and medium-sized businesses in the Russian Federation”. This bill has been prepared for the implementation of the national project “Small and Medium Enterprises and Support for Individual Entrepreneurial Initiatives,” which provides for increased 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.

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

A small business that gives its owner financial independence is the dream of everyone who doesn’t want to work for their uncle.

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

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

But there is also an option like small business assistance, which comes in several types.

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

State assistance to small businesses: organizational system for supporting entrepreneurs

The main regulatory act that we need to rely on in our article is Federal Law No. 209 “On the development of small and medium-sized businesses in the Russian Federation.”

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

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

Their complete list is posted on the official website of the Ministry of Economic Development of the Russian Federation in the “Small Business” section: https://economy.gov.ru/minec/activity/sections/smallBusiness

Why is it so important to support entrepreneurs?

Thus, in Russia, thanks to small and medium-sized businesses alone, more than 16 million citizens are provided with work (which is a quarter of the total employed population).

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

The role of SMEs in the economy of an entire country is very significant. Let's briefly talk about its importance:

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

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

• economic instability in the country;
• lack of financial resources both for opening and developing a business;
• high tax burden and complexity of preparing financial statements;
• constant changes in legislation;
• lack of personnel (qualified specialists prefer to work for business “sharks”, ignoring entrepreneurs);
• difficulty in obtaining loans (not every bank wants to get involved with a small business).

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

That is why the state must provide assistance to entrepreneurs.

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

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

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

In 2017, this trend towards a decrease in financial assistance continues. The state is ready to provide only 7.5 billion rubles.

Therefore, those who count on it will have to make a lot of effort to get it.

The structure of expenses for assistance to small businesses in 2017 looks like this:

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

We’ve sorted out the numbers and facts, but what is the government’s assistance to small businesses?

So, there are the following forms of support for SMEs:

• financial - provision of financial resources for opening and developing small businesses (compensations, subsidies, grants, soft loans);
• property - provision of state property to entrepreneurs on the right of use (land plots, industrial premises);
• information and consulting- formation of information systems, as well as free consultations on doing business (trainings, seminars, courses);
• infrastructure- creating comfortable conditions for doing business, as well as creating business incubators, multi-purpose funds, entrepreneur centers;
• organizational- assistance in participation in exhibitions and fairs.

Help for small businesses: who can count?

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

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

Help for small and medium-sized businesses: 4 types

In general, we can distinguish 4 types of financial assistance to small and medium-sized businesses from the state. Let's look at each of them.

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

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

The amount of assistance in 2017 is 58.8 thousand rubles.

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

This program applies exclusively to the opening of individual entrepreneurship and cannot be applied to:

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

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

• statement;
• copy of bank account;
• project.

If you are unemployed and want to get start-up capital to start your own business, you will need to take the following steps:

So, your application is approved, after which they will conclude an agreement with you that you have received money to open a business. The funds received must be spent only for their intended purpose and must be moved strictly according to plan.

You must appear within the deadlines established by the employment center to provide reports on the funds spent.

In case of violation of the terms of the contract (misuse, termination of business activities ahead of schedule), you will have to receive the assistance you received.

2. Grants for beginning entrepreneurs.

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

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

The grant scheme is as follows:

Drawing up a strategy.

This includes drawing up a detailed business plan that will cover production, organizational, financial, and marketing issues.

Study of public funds.

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

Familiarize yourself with the areas and requirements for candidates in which organizations operate.

Preparation of documents and application.

You need to approach this stage with all responsibility, because if even one document is missing or the application is filled out incorrectly, the commission may reject your candidacy.

Submitting an application and waiting for the commission's decision.

The commission draws up a certain point system by which it evaluates submitted projects.

The one who scores the most points will become the recipient of the grant.

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

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

For the rational distribution of financial resources, the state can determine various requirements for candidates:

• entrepreneurial age no more than 2 years;
• completing basic courses on entrepreneurship;
• the business should not be associated with gaming, banking, insurance activities, as well as the provision of intermediary services and resale of goods;
• absence of debts to the state;
• employment of a certain number of people.

• laid off from their previous place of work;
• university graduates;
• single mother;
• retired military;
• disabled people.

Ideas that the commission will consider for grants:

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

3. Loan on preferential terms.

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

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

The essence of obtaining a preferential loan comes down to the following:

1. Guaranteed lending support is provided by the Federal Corporation for the Development of Small and Medium Enterprises.
2. As of this year, preferential rates for lending to small businesses are 11%, for medium-sized ones - 10% (for comparison: you can take out a loan on regular terms at 24-25% per annum).
3. The maximum loan size is 1 billion rubles, and the term is 3 years.
4. Loans are issued to those entrepreneurs whose successful activities last for about six months.
5. Loans are not issued to those who are on the verge of bankruptcy, who have outstanding debts and questionable credit history.

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

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

4. Subsidizing small and medium-sized businesses.

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

For those who don’t know: subsidies are the receipt of a certain amount of funds for specific purposes.

As a rule, money is issued free of charge and irrevocably. Unlike a grant, the amounts of which are received in tranches, the subsidy is received in one amount at once.

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

Type of subsidy	Sum
Subsidies for loan interest reimbursement	Compensation of 3/4 of the key rate of the Central Bank of the Russian Federation on the date of conclusion of the loan agreement (up to 5 million rubles and no more than 70% of the actual costs incurred)
Subsidies for reimbursement of part of the costs under financial lease (leasing) agreements	5 million rubles. (but not more than 30% of the cost of the leased item)
Compensation for part of the costs associated with training and (or) advanced training of employees	75% of the cost of training, but not more than 90 thousand rubles, for each trained employee
Reimbursement of part of the costs associated with the payment of the first payment (advance payment) when concluding an equipment leasing agreement for the purpose of creating and (or) developing and (or) modernizing the production of goods (works, services)	100% of the paid fee (advance payment) of the equipment leasing agreement, but not more than 3 million rubles.

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

1. Compliance check:
   • the period of activity of the enterprise is no more than 2 years;
   • no debt;
   • the candidate himself is able to cover the costs of the project in the amount of 50% of the total amount.
2. Filing an application
3. Acceptance of application
4. Competitive selection
5. Receiving subsidies, providing reports on the targeted use of assistance to small businesses.

The new government program gives beginners the opportunity

entrepreneurs to open their own business.

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

Small Business Assistance Program

In 2017, the following government assistance programs for small businesses will be in effect:

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

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

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

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

Of course, those who produce a socially significant product or have made an innovative breakthrough have a greater chance of success. But again, everything is in your hands, so don’t be lazy and start taking action.

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