How to get a grant for a start-up entrepreneur. How can I get a grant for business development. What documents are required to receive a subsidy for small businesses from the state

Entrepreneurial activity is a rather complicated and labor-intensive way of making money. A person who is in business has to solve problems of various kinds. They may be related to technical, domestic, social and financial issues.

It is a well-known fact that private business requires investments, especially at the stage of formation. One of the tasks of a person who is engaged in entrepreneurial activity is Finding and raising finance for your business.

Potential recipient

People who are currently unemployed can count on receiving a grant. Moreover, this status must be officially confirmed, that is, a person must be registered with the employment center.

What is the difference between a grant and a subsidy?

A grant differs from a subsidy in that they have different sizes and are issued by different structures. Usually, the subsidy goes to the entrepreneur entirely, and the grant - in several stages or, in another way, tranches. If the funding comes from a foundation, then the entrepreneur will need to submit reports on the purposes for which the money was spent.

The organization that finances the entrepreneur can itself purchase the necessary goods. A grant can be issued several times if the company that received it has proven itself well and has positive development indicators. In the case when the use of funds did not bring any result, then, most likely, the next financing will be denied.

Grants may be provided by the state or private organizations. The direction of financing of public and private funds differs.

Government funding

The state aims at social support of the population, so grants are received by:

1. Unemployed citizens whose status is confirmed at the labor exchange.
2. Youth who graduated from a higher educational institution.
3. People who have .
4. Military personnel with retired status.

There are certain areas that are developing in a particular region. For example, agriculture is developing in one region, and business related to the support of new technologies will be a priority in another. It will be easier for those organizations whose activities are related to the priority areas of the region to receive a grant.

Another factor that influences the choice is long-term project. The state is interested in the company to develop and pay taxes. Therefore, in order to receive a grant, it is necessary to prepare a calculation that will show that this project will be successful and in a couple of years will return the funds invested in it with taxes.

Also, a positive moment for obtaining a grant in 2018 will be the provision of jobs to the unemployed segments of the population. Welcome, if their number will be at least five.

gratuitous help

Assistance provided free of charge private foundations. They can be domestic or foreign. The scope of their funding extends to companies and organizations whose activities are related to culture, economy and ecology. Also attracted the attention of such funds are projects related to scientific research and the development of any innovations.

As a rule, these funds give preference to already proven organizations that have experience in the effective use of funds.

Before submitting an application for a grant to a private foundation, it is recommended to prepare, namely, to clarify which companies have already been funded, whether these entrepreneurs received grants before, and if so, in what quantity.

If possible, organize a meeting with the winners of the grants. Ask them about the features of the project, what to focus on, in what form to make a presentation and other points that can positively affect the receipt of funds.

There are general requirements for grants, but private foundations can set their own conditions. For example, when granting a grant for a project related to agriculture, there may be restrictions on the area of ​​land use.

From banks

In addition to funds, grants are issued by banks, they determine the conditions for obtaining and the amount. As a rule, banks compensate part of the money spent from the implementation of a project for the customer. Also, the bank may stipulate which regions can participate in the competition, the number of company employees, income and other requirements.

As a rule, if an entrepreneur meets the requirements of the bank, then he leaves an application, and if it is approved, he performs actions aimed at implementing the customer’s project. Next, you need to provide reporting on the funds spent and receive compensation for the completed project.

Exceptions and Deadlines

State grants are received by novice specialists or socially unprotected sections of society. Private funds focus on science and new technologies. However, there are exceptions.

The deadlines for applying for grants vary, as everything depends on the fund and the nomination. As a rule, the terms are indicated along with a list of necessary conditions for obtaining a grant. There are times when they can be extended.

The main time limiter for 2018 falls on end of July. But there are also grants to apply for. until February or Martha.

There are certain deadlines for consideration of applications, they are two months. But there are cases when the application can be considered for about a year.

Possible compensation

Entrepreneurs should be aware that the funds allocated by the fund must be spent for their intended purpose. It will not be possible to purchase items that can be used for personal purposes, such as a car or interior items.

The money can be spent on the purchase of equipment that will be used in production. The purchase of raw materials or materials is also welcome. You can include long-term rental property. Compensation of the wages of people who work in this company is not paid by state grants, and foreign investment funds consider these expenses acceptable.

If an entrepreneur is ready to participate in co-financing his project, then this will be a plus for making a positive decision on issuing a grant in his direction. The more an entrepreneur is willing to contribute to a project, the higher his chance of getting a grant. The amount of co-financing of the project varies from 15 to 50%.

Conditions for obtaining

In addition to the standard requirements that a grant applicant must meet, foundations may nominate additional terms. Mandatory conditions include the following criteria:

1. Passing by the candidate of courses of bases of enterprise activity.
2. Providing jobs to people who are not engaged in labor activity. This condition may be mandatory when receiving a state grant.
3. Documentary evidence of the absence of any financial assistance previously received.
4. A certain annual turnover of the company.
5. Provide reporting on the absence of any debts to the tax authorities.
6. Requirements related to age, education and work experience in a particular field must be met.
7. The business must be registered in a certain region. As mentioned above, there are differences between regions in the allocation of funds in one area or another.

In addition to industrial and business projects, funds can be allocated for the implementation of political projects aimed at improving the quality of life of the population.

1. Educational projects aimed at working with schoolchildren and students.
2. Cultural and educational activities.
3. Rehabilitation of drug addicts and alcoholics in society after treatment.
4. Activities related to the employment of the non-working population.
5. Help people who have suffered from any natural disasters and hostilities.

Required documents for applying

There is a basic list of documents that are needed to apply for a grant. Each fund can also put forward additional requirements.

1. Business project.
2. Passport of the entrepreneur who will appear as the applicant.
3. Completed application for participation.
4. A special letter, which should reflect the strengths of the project, namely, its uniqueness, relevance and necessity.

The application must contain information about the existing problem of the company, a description of how to solve it. The financial part should also be spelled out, namely, where it is planned to spend the money, possible risks and ways to resolve them are described. The fund determines the application form.

Sample business plan

Exist standard business plan template suitable for a grant.

Errors in the preparation of the application

Exist a few mistakes, because of which the entrepreneur may not receive a grant.

1. If you specify the maximum possible amount of funding for the project.
2. There are few jobs that the entrepreneur plans to provide.
3. Do not indicate that the company needs a car.
4. It is imperative to prescribe in the business project the exact expenditure of funds.
5. You must provide information about the suppliers and partners of the company.
6. The business project must be voluminous.
7. You should indicate how much taxes will be paid.
8. The project must contain information about the competitiveness of the product or service.
9. It is mandatory to provide information about the effectiveness of the project.
10. The design of a business project should be at a high level.

You should comply with reporting requirements, as well as be interested in the most effective ways to use funds in the fund, you need to be in touch with him. If an entrepreneur "makes friends" with the fund, then he will have the opportunity to receive other material support.

How to get money from the state for the development of IP, you can find out in this video.

You have decided to step into entrepreneurship, and it’s up to you to find start-up capital. Or for a big one? Everyone knows that without investment, the business will not get off the ground. Seek help from friends or try to ask for money from the state? Small businesses in 2017 can count on some types of grants and subsidies.

In any region, a novice entrepreneur is provided with at least two types of state assistance:

1. Subsidy under the program of self-employment of the population in the employment center. Unemployed citizens will be allocated 58,800 rubles for these purposes.
2. A grant of 300 thousand rubles from the Ministry of Economic Development of the Russian Federation.

Subsidies

Each region of our country has certain quotas for the provision of subsidies. You can find out their number at the employment center. If there are few subsidies in your area, consider whether it is worth fighting for - the amount is not high. There are regions where, since 2015, such subsidies have been allocated only to residents of single-industry towns or already existing entrepreneurs.

It is possible to get the approval of the commission - it consists of no more than 6 people. Half of them are employees of the employment center, and the other part are invited guests. You will have approximately 7 minutes to answer questions from guests. There is no need to talk about the project, because the experts get acquainted with it in advance. For them, the main thing is that you understand the intricacies of your own.

You will have approximately 7 minutes to answer questions from guests.

Business ideas that the subsidy "does not shine":

• stock market fraud;
• network marketing;
• sale of alcohol;
• pawnshop.

Grants

Having received money from the employment center, you can safely go for a grant. And you can go there right away - this time the Ministry of Economic Development will help you. The federal program operates throughout the country, but the distribution of funds is handled by local authorities. This means that you do not need to go to Moscow - contact local funds to support small and medium-sized businesses.

There are chances

1. You registered as an entrepreneur for the first time, and less than a year has passed since then.
2. You have been trained in the basics of entrepreneurship. Those who have a legal or economic education, the easier it is - no courses need to be completed.
3. You are ready to invest at least 25% of your own funds from the amount of the desired grant. By the way, the percentage for each region is different. This needs to be clarified in your fund.

no chance

1. The company is at the stage of bankruptcy, reorganization or liquidation.
2. You have overdue tax and non-tax payments, fees, insurance premiums.
3. Your company has wage arrears.
4. You pay your employees wages below the living wage.

According to the experts of the Ministry of Economic Development, first of all, they pay attention to the social significance of the project and the real possibility of payback. The state does not want to distribute money right and left. It is important for them that the enterprise does not go bankrupt in a couple of months, but develops and grows. If the company develops, then a stable replenishment of the budget is guaranteed. Each region identifies its priority areas. Somewhere it is agriculture, in another place it is industry or handicraft production.

Package of documents

If you have decided, then proceed to the collection of documents:

1. Application for a grant. The application form is different everywhere - look on the website of the Ministry of Economy of your region.
2. Business plan.
3. Costings.
4. Documents that confirm the availability of production space (if the premises are needed for the implementation of the project).
5. List of creditors and debtors.
6. Copies of contracts or draft contracts.
7. Copies of required licenses or permits.
8. Copies of documents on hiring the head and chief accountant.
9. Questionnaire of an individual entrepreneur or head of a legal entity.
10. Information about the presence and condition of the bank account.
11. Copies of constituent documents, if any.
12. Copies of extracts from the Unified State Register of Legal Entities or.
13. Copies of the certificate of registration of an individual entrepreneur or legal entity.
14. Certificate of absence of debts on taxes.
15. Information about the passage of training.

Do not forget that it will take some time to collect documents. Pay attention to the expiration date as well. For example, a tax certificate is only valid for 10 days. Call the Fund for Support of Small and Medium Enterprises and find out about the start date of the competition. Applications from participants are accepted for 1 month, so you need to submit documents on time.

What's in the business plan?

Entrepreneurs should remember that they need not only to collect the necessary documents, but also to provide a business plan for their activities. This is a complex document that requires detailed study. For those who have an economic education, it will be easier. And for those who have never had to compile it, entrepreneurship training courses will help.

The business plan must include:

• production features;
• calculation of investment amounts;
• presentation of products or services;
• description of organizational processes at the enterprise, taking into account the calendar plan;
• forecasting risks and finding ways to minimize them.

Remember that the commission will evaluate each indicator and put down their points. For example, the more people you can employ in your company, the higher your score will be. If you are under 30 years old, this is another point for your project.

That's what you get points for.

What do they give?

There are few statistics on grants. Judging by it, among the entrepreneurs who received a grant, about 30% are engaged in the provision of services, 20% have their own production, 12% are from the trade sector.

The easiest way is to get money for the purchase of fixed assets, for renting premises and for the necessary raw materials and materials. As a grantee, you will greatly benefit by being ready to invest in the purchase of equipment with your own funds. This will convince the commission that you are serious and believe in success.

As a rule, the state more often finances projects in the field of production and agriculture, science (mostly natural sciences) and education.

Among the entrepreneurs who received a grant, about 30% are engaged in the provision of services, 20% have their own production, 12% are from the trade sector.

Agricultural grants

A special place in the system is occupied by agricultural grants. Within the framework of the state program for the development of agriculture for 2013-2020, a subprogram "Support for small business forms" was adopted, aimed specifically at helping small businesses.

There are several options here:

1. Grants for beginning farmers.

Available for specific purposes:

• acquisition of plots from agricultural land;
• development of project documentation for the construction (reconstruction) of industrial and warehouse buildings, premises intended for the production, storage and processing of agricultural products;
• acquisition, construction, repair and reconstruction of industrial and warehouse buildings, premises, outbuildings, engineering networks, barriers and structures, as well as their registration;
• construction of roads and access roads to production and storage facilities;
• connection of production and storage buildings, premises, outbuildings and structures to engineering networks: electrical, water, gas and heat networks, road infrastructure;
• purchase of farm animals;
• obtaining agricultural machinery and equipment, trucks, equipment for the production and processing of agricultural products;
• purchase of seeds and planting material for laying perennial plantations;
• obtaining fertilizers and pesticides.

To receive a grant, you need to contact the regional competition commission to support beginner farmers, where grants are distributed on a competitive basis. The Commission annually publishes the terms of the competition until January 15.

To participate in the competition, you must submit an application in the prescribed form. Contacts of regional competitive commissions can be obtained from the state authorities of the agro-industrial complex in the regions.

This grant can only be received once. At the same time, he must repay no more than 90% of your costs for the acquisition of material resources for the development of the farm.

2. Grant for home improvement.

With Funds can be used to build housing, purchase furniture and other items for the farmer's home. However, such a grant does not provide for the purchase of secondary housing. It is assumed that a novice farmer builds a house himself or buys a new one.

Each region has different terms and conditions of the competition. To participate, you need to track the information on the websites of the relevant regional departments, as well as the ministries of agriculture of the regions.

3. Grant for a family livestock farm.

The grant can be used for:

• development of project documentation for a family livestock farm;
• construction, reconstruction or modernization of a family livestock farm;
• construction, reconstruction or modernization of production facilities for the processing of livestock products;
• complete set of family livestock farms and facilities for the processing of livestock products with equipment and machinery, as well as their installation;
• purchase of farm animals.

The amount of the grant cannot exceed 60% of your costs. To receive a grant, you must submit an application in the prescribed form for a grant to the commission under the governing body of the agro-industrial complex of a constituent entity of the Russian Federation.

With the participation of the Ministry of Agriculture of Russia, a system of agricultural consulting has been created in the country. System consultants will assist novice farmers in applying for grants and in resolving other issues.

"Granting" Rules

1. Money is given to the organization for the performance of these tasks, and not to the entrepreneur personally.
2. According to statistics, preference is given to the most realistic or most original projects.
3. Not all grants are right for you. Take the maximum time to study the information: how much money is allocated, for what exactly. Otherwise, you run the risk of being refused - most often they are refused precisely because the application does not correspond to the subject of the grant.
4. If you really need the money, then try to adjust your own tasks to the goals of the grant. But even here, be prepared to be rejected: it is unlikely that a fireworks retailer will be given a grant as an organization producing agricultural products.

The purpose and amount of the grant are finally written in the business plan and then do not change.

1. Money never arrives all at once, but comes gradually - in tranches. Each stage of the project implementation will be financed separately. Moreover, where it is necessary to supply you with equipment, for example, office equipment, they will supply it, and will not give money for the purchase.
2. Even the payment of a bank loan can be delayed, but it is unacceptable to spend grant funds for other purposes. Any mistake - and an indelible stain on your reputation.
3. Complete all reports correctly and on time. Make everything as described in the instructions, and do not violate the deadlines.
4. For the first time, you don't have to wait for maximum grants. Ask for the bare minimum of what you can't do without. Such an application has a much greater chance of being selected: it will immediately be clear that you will be engaged in business, and not in the atmosphere of your own office, for example.
5. There is no free cheese here either: you still have to pay income tax on the grant, be prepared for this.

Remember that problems in the economy are not the reason why you should refuse to start your own business. You can always find the best solutions. The main thing is to move forward towards your goal, and it is up to you to ask for help from the state or rely on your own strength.

There are people whose power lies in the money they have lent. And there are others whose power lies in the money they have borrowed. Auguste Detheuf, economist, writer

The number of start-up businessmen is steadily increasing every year. An increase in their number has a positive effect on the economic performance of the country as a whole and satisfies the ever-growing needs of the population.

State financial support contributes to the emergence of new small and medium-sized businesses. The authorities of a particular region are trying to introduce methods of assistance: various benefits, subsidies, and material payments. How to get such support? Let's figure it out.

Which entrepreneurs can count on help from the state?

The state mainly provides financial support to owners of small and medium-sized businesses. To find out if your company belongs to this category, you should pay attention to the number of employees and the amount of annual turnover. The following formats of enterprises can count on money from the state:

• start-up business(up to 15 people in the state with an annual turnover of up to 120 million rubles);
• small business(up to 100 people in the state with an annual turnover of up to 800 million rubles);
• medium business(up to 250 people in the state with an annual turnover of up to 2 billion rubles).

To qualify for assistance, companies must meet the following requirements:

• duration of existence from the moment of opening - no more than 2 years;
• the company is registered with the tax service;
• SME is not a tax debtor.

Important: the chances of financing are much higher for businessmen who have social benefits, as well as own a social or export-oriented business.

Remember that the state provides support to entrepreneurs whose field of activity is among the priorities. To apply for gratuitous assistance, a businessman must work in one of the following areas:

• Manufacture of consumer goods.
• Popular directions of folk art.
• Offers of rural and ecological tourism.
• Housing and communal services.
• Agro-industrial department.
• The sphere of science and technology, as well as innovation.

How to get government assistance for small business development in 2019?

The main advantage of receiving such a subsidy is that it is free of charge and does not need to be returned after a certain time. The state benefits from this, as a new small enterprise appears on the economic map, providing jobs for citizens, and competition with existing companies increases, which contributes to quality improvement and price stabilization.

But along with the conclusion of a subsidy agreement, the entrepreneur agrees to fulfill certain obligations. The main one is to provide detailed reporting.

Within 3 months from the date of receipt of funds from the state, the businessman is obliged to submit a report with documents on the use of the subsidy to the Employment Center. As confirmation, commodity or fiscal checks, receipts, paid payment orders and other documents can be provided. The financial report must be consistent with the paragraph of the business plan, which indicates the purpose of obtaining capital.

Important: if the business person cannot provide confirmation, he is obliged to return the subsidiary funds to the state in full.

Also, the terms of the drawn up agreement suggest that the activity of the financed small enterprise should last at least one year from the date of opening. This excludes the possibility of cooperation with one-day firms.

Help can be obtained from many instances and organizations that have the necessary powers. Here is some of them:

• City administration. The Department of Economic Development provides information on the types of financial support for small businesses.
• Chamber of Commerce and Industry. This institution provides assistance in consulting on business, marketing, legal law, it helps to take part in exhibitions.
• Entrepreneurship Support Fund. Based on the results of the mandatory assessment of the submitted project, the organization allocates finance for the activities of a small enterprise.
• Business incubator. This organization is engaged in infrastructural support of the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
• Venture fund. Focuses mainly on innovative projects, then invests money in their activities.
• Employment center.

Interesting: if your business project is socially or economically beneficial for the state, you can receive not only money for its implementation, but also free education, the right to take part in exhibitions, etc.

After contacting the above authorities, you will receive a list of required documents. Here are the papers included in this list:

1. Passport and TIN of the entrepreneur.
2. Insurance certificate (SNILS).
3. A certificate from the accounting department of the last place of official employment, which indicates salary information for three months before the completion of work.
4. Education document.
5. Application of a program participant for receiving financial support from the state (according to a specially approved form).
6. Ready business plan.

Money from the Job Center

The most common way for entrepreneurs to get help is to apply to the Employment Center. How is this procedure carried out?

The first step is to register with the Employment Center and obtain the status of unemployed. This is a prerequisite, since the state allocation of funds is due only to those entrepreneurs who are registered as unemployed citizens. To do this, you need to have the following documents with you:

• passport of a citizen of the Russian Federation;
• work book;
• marital status document;
• education document.

Then you need to write a business plan with a detailed description of the project, target distribution of funds and an indication of its payback period. The third step is to register a business as an individual entrepreneur.

The package of documents is considered by the regional commission within 60 days. If a positive decision is made between the applicant and the Employment Center, an agreement will be concluded, and the funds will be transferred to the recipient's account. The commission may decide to reimburse only certain costs, such as the registration and opening of a small business. If the applicant receives a rejection notice, they may try again.

Grants for new businessmen

This type of allocation of funds from the state involves helping novice businessmen to open a business and those who have been engaged in entrepreneurial activity for no more than two years. The following organizations have the authority to distribute grants:

• Department of Economic Development.
• Funds for supporting small and medium-sized businesses.
• Unions created by entrepreneurs.

A prerequisite for obtaining a grant is the activity of a small enterprise in one of the priority sectors indicated above.

According to state law, companies that produce wine and vodka products, tobacco products, luxury goods, work with real estate or engage in gambling activities do not receive payments.

Remember that the allocated money is directed to cover 30 to 50% of the total cost of the project. The businessman should look for the remaining finances for the development of the business on his own. Don't be afraid to invest, it can be.

The entrepreneur must provide the following documents:

• Documents confirming the absence of other sources of financial support.
• Certificate of registration of an individual entrepreneur or LLC and a business plan.
• An extract from the bank on the amount of own finances.
• Certificate of positive credit history.

Then the Sectoral Commission decides on the provision of funds. The maximum amount of a cash grant is 500 thousand rubles (in Moscow and the region - up to 5 million rubles).

The state prioritizes the unemployed, young entrepreneurs, former military personnel, families with young children, etc.

Subsidy program

State plans for subsidizing small enterprises are implemented at different administrative levels. Therefore, they can be systematized according to the scale and amount of allocated funds:

1. Federal programs. They are implemented throughout the country, and they are also characterized by a large amount of allocated money for financial support for the opening and development of SMEs. A distinctive feature is that such programs work mainly with large-scale business projects, whose owners are already engaged in commercial activities.
2. Regional programs. They work in the territories of administrative regions and dispose of the regional or district budget. The purpose of such programs is to develop the infrastructure of the whole region.
3. Local programs. The scale of implementation is work with city or district entrepreneurs. Subsidies are limited to small amounts of funding.

The amount of assistance received, the form of its provision, as well as the list of necessary documents for processing an application depend on the features of the state program. The larger the scale of the program, the higher the competition and the more stringent selection rules. The small business owner should take this into account.

Concessional lending

Categories of small and medium-sized commercial entrepreneurs who are unable to receive material support from the state can apply for concessional loans. Many banks provide such loans on simplified terms. As mentioned, the probability of opening a loan with a favorable interest rate is higher for those who are engaged in priority activities for the state.

Advice: for all your questions regarding assistance, you can contact banking institutions or credit communities directly, as they also have lending programs for business start-ups.

The applicant receives a loan as a one-time cash payment in the amount of 50 million to 1 billion rubles. After the conclusion of the contract, the preferential program is valid for 3 years. A prerequisite is also investments and investments in the project of the businessman's own funds. Their number is determined as follows:

• 20% if the loan amount is more than 500 million rubles or if the repayment of the loan is planned from the future income expected after the start of the business project.
• There are no restrictions if funds are allocated for other investment plans.

The interest rate for use varies depending on the format of the enterprise. This is 10% per annum for medium-sized enterprises and 11-11.8% for small ones.

What can government money be used for?

As mentioned above, the granting process is a donation of funds that promote the opening and favorable development of a business. Concessional lending and other assistance programs also have simplified terms and reduced interest rates. At the same time, the use of financial support from the state is accompanied by documentary reports to confirm the intended purpose. The allocated money can be spent on the following:

• Payment for the lease of a place or plot of land (no more than 20% of the principal amount is allocated to cover these costs).
• Replenishment of working capital.
• Workplace equipment.
• Acquisition of equipment for production (purchased machines cannot be sold or exchanged for three years).
• Purchase of consumables (the same rules apply - no more than 20% of the funds received).
• Renovation and refurbishment work.
• Intangible assets.

The entrepreneur draws up an annual report, which indicates exactly what the received subsidiary income was spent on. Also, certificates and receipts must be submitted to the control authorities.

Intangible Small Business Support Options

In our time, the state is ready to help novice businessmen of small and medium-sized enterprises not only by increasing capital. There are several other forms of support:

1. Free education opportunity. Why in the first years of activity, many entrepreneurs, faced with problems, leave the business? They simply do not have the necessary knowledge about the conduct of their business. Such educational skills (such as how to lead) help in development, but are expensive, so not everyone can get them. The state provides start-up businessmen with the opportunity to study courses for free, as well as attend various seminars and lectures. The applicant is obliged to submit relevant documents to the necessary authorities: paid bills, certificates of training or concluded contracts. The payment will cover half of the expenses, but not more than 40 thousand rubles a year.
2. Rent reduction. Another support option is discounts on the cost of renting premises where offices or production are directly located. Remember that you can get such a discount only if the building is municipal property and the lease agreement is concluded for a period of more than 5 years. Every year, the preferential rate increases (from 40 to 80% of the rent), and for the next period, the entrepreneur pays the full rate. A prerequisite is a competitive selection to determine a worthy candidate. The winner is allocated additional assistance to pay for communications.
3. Compensation for participation in exhibitions. For promotion and further development, small business owners can take advantage of subsidies to participate in national or international exhibitions. Based on the results of the selection, the state can help pay for the costs of registration, rental of a place, transportation of exhibits, accommodation, organization and translation services. If the state aid amount does not exceed 150 thousand per year, you can pay up to half of the costs. Mandatory conditions for receiving compensation for small businesses: an application, an agreement with the organizers and a report on the work performed.

Summing up

The advantage of financial support programs is the ability to increase the capital of small companies. Since the state is interested in the development of small enterprises, the likelihood of receiving financial assistance is constantly growing. This is a good chance to start.

On the other hand, the conclusion of an agreement with the relevant state bodies obliges entrepreneurs to submit detailed reports and monitor the intended use of funds. Therefore, every businessman should study the features of existing support programs and the requirements for them. Then he will be able to use the assistance as efficiently as possible and fulfill his obligations.

Instruction

To get started, find a foundation in your region or city that supports small businesses. They provide grants for registering a business, obtaining the necessary licenses and certificates, renting premises, purchasing raw materials and starting production. As a rule, entrepreneurs who are engaged in financial activities, real estate transactions, rental of cars and equipment, production and sale of alcohol and tobacco, as well as gambling are not allowed to participate in such programs.

Next, write a detailed business plan for growing your small business. Attach to it the documents required to participate in the competition. All submitted projects are subject to independent review. The criteria by which they are evaluated are economic feasibility, scientific and technical novelty, and the prospect of market sales of products.

To participate in the program, complete the training. Usually these are courses that are created by the foundation and are held in the form of seminars. A prerequisite for participation in such programs is the absence of debt to the budget of all levels, including tax liabilities. The size of the grant can be different, as a rule, they do not exceed 300 thousand rubles and cannot exceed 70% of the amount required, according to the business plan, for business development.

Please note that the grand may not be issued in its entirety, but, that is, in parts. First, you will receive a certain amount for the first stage of your project. Only after a detailed report on its use can one count on the next tranche. And remember that most often money is allocated for the development of small businesses in the agricultural, service sector and the creation of consumer goods. The main thing is that you need to carefully work out the potential sales market, and even better, a decent client base has already been formed.

You can get state support in the form of a subsidy for the development of small businesses in almost every region of the Russian Federation. The maximum amount of the allocated amount depends and the requirements for applicants depend on the specific subject of the Federation. Usually it is provided to enterprises and entrepreneurs, from the moment of state registration of which no more than 1 or 2 years have passed.

You will need

• - documents on state registration of an enterprise or individual entrepreneur;
• - confirmation of its compliance with the requirements for applicants for state support;
• - business plan.

Instruction

All conditions for the provision of state support must be found in your regional agency for the development of entrepreneurship. This information can be presented on its website or the website of the local (department) of economic development. The maximum amount of subsidies in different regions ranges from 250 thousand to 400 thousand rubles.
Among the requirements for applicants, there may be restrictions on the types of activities, the purposes for which the money will be spent (for example, for the purchase of fixed assets), the stay or the entrepreneur in the past registered with the employment center, the completion of a course of training in the basics of entrepreneurship, the availability of own funds for financing, etc.

You should also consult with them on writing a plan (it will be the basis for deciding whether to allocate state support to you, and the main criterion for the intended use of the funds received by you).
If possible, purchase a manual on creating this document. Show the draft version to the agency consultant, listen carefully to the comments. Refine the business plan and show it to agency employees until it is finally approved by them.
Submit the finished package to or directly to the department or department of economic development, depending on the procedure adopted in your region.

The procedure for reviewing business plans also differs depending on the region. In some cases, it is enough to submit the document itself to the Department of Economic Development for analysis. In others, you will have to defend your project before the commission: hold a presentation, demonstrate product samples if available, answer questions.

After a positive decision and receipt of money, do not forget that after a year you will have to account for every penny of the allocated funds. So you should not spend them on goals that are not prescribed in the business.

The global economy has been very unstable in recent years. Under these conditions, it becomes very difficult for small and medium-sized businesses to survive in the market without support. It is even more difficult to start this business. But now everything has become easier, because the state is ready to help start-up entrepreneurs with subsidies. So how to get a business development grant from the state and who can apply for it?

Instruction

A novice entrepreneur today receives a subsidy of 58,800 rubles to start a business. To do this, you must register with the employment service at the place of residence and obtain a document confirming the status of unemployed. According to the legislation, this status is assigned to a person who has become registered with the employment service and has not received a single job offer within ten days. After that, the unemployed may receive benefits, but it is also possible to receive an offer to open their own business and receive a grant.

After assigning you unemployed status, you will need to pass a psychological test for a tendency to. This is a very important step, and very often results in a decision to reject an unemployed person's application for a subsidy, so answer the questions as honestly and thoughtfully as possible. Also, the employment service will check your knowledge in the field of doing business, and if the knowledge is sufficient, then you can proceed to writing a business plan. If knowledge is not enough, then you will be offered training in any of the educational institutions in the specialty "". This training will take from two weeks to a month.

After completing the training, you will need to move on to direct work on the business plan of your future company. The employment service will provide you with a business plan and tell you about the main intricacies of its preparation. After that, you will need to defend it before a commission consisting of representatives of the mayor's office and the employment service. If you adequately defend your business plan, you can prove its viability and social significance, then, undoubtedly, you will be able to receive a subsidy for business development.

After receiving approval from the commission, it is necessary to proceed directly to the execution of the necessary documents. The employment service will help you collect all the documents, help in their execution, be sure to tell you about further actions. You will also need to register as an individual entrepreneur, or open a legal entity, make seals and stamps. The state assumes the obligation to pay the state duty for opening a legal entity, but only by compensation. That is, this money will be returned to you immediately after the provision of invoices and receipts for payment of state duties and invoices for the production of seals.

note

Within three months it will be necessary to report on the money spent before the commission. Keep all documents confirming that the actual costs correspond to the planned ones.

Helpful advice

You can double the amount of the grant if you hire a person who is also unemployed. A hired employee is entitled to a lump sum payment of 58,800.

Sources:

• what documents are needed for the scholarship

Not many people know that in Russian legislation there is a decree according to which an unemployed person can receive an amount equal to the annual maximum unemployment benefit to open his own business. It is about 60 thousand rubles.

You will need

• -the passport,
• -education document,
• - certificate of assignment of TIN,
• - insurance pension certificate,
• - business plan of the project

Instruction

To receive the allowance, you must first register with the employment center as unemployed. Each district and city has its own territorial department of this institution. At the same time, full-time students cannot be classified as unemployed. But correspondence students can register with confidence.

Then you should consider whether you can handle it. Other options for state assistance, such as advanced training or professional retraining, may be more suitable for someone. Or, together with the employment service, you can try to find a job in another region. This way you will receive compensation for travel and rent for the first 3 months of work.

If you decide that your own business is what you need, feel free to write an application for financial assistance. But at the same time, you need to draw up a business plan. You shouldn't be afraid. This is not a multi-volume document at all, but just a form that occupies several printed sheets.

The next stage is the defense of the drawn up business plan. This procedure is similar to an exam. In front of him, the future entrepreneur is sent to, so that he characterizes the personality, evaluates his ability to do his own business. Then the business plan is defended, which is attended by representatives of the employment center, the mayor's office, and local entrepreneurs. They are the adequacy and realism of the project.

Once the project is approved, it remains to register your business. In this case, the money for registration will have to pay their own. This is about 2 thousand rubles if you plan to become an individual entrepreneur, and about 10 thousand if you want to open a limited liability company. A subsidy from the state can be spent on the purchase of raw materials, tools, materials, equipment, as well as renting premises, but not more than 3 months.

Now you can get to work. It should be remembered that reporting for the tax office in the first year will also need to be submitted to the employment center. During this period, you are not required to make a profit, the main thing is to show that you are working. If your activity lasts less than a year, the subsidy will have to be returned. By the way, you need to report for budget money within 2 months from the date of their receipt.

Related videos

Many people who want to start their own business are unable to do so due to lack of funds. In this case, you can use the help of the state, which since 2009 has been actively supporting the development of small businesses. Getting a subsidy from the state is quite simple, you just need to know what is required for this.

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 a work book, then you also have the right to participate in the state program for obtaining 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 financial support from the state to open your 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 into a business related to animal husbandry, poultry farming, crop production and the provision of various domestic services.

Make a 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.

Evgeny Smirnov

# Business nuances

Grant conditions

The main document required to receive a grant is a business plan. The decision of the grant committee depends on its quality and relevance.

Article navigation

• Small Business Development Grant 2019
• Conditions for obtaining a grant to support small businesses
• List of documents for obtaining a grant for starting a business from the state
• Small business grants
• Refusal to issue a grant to start a business in 2019
• How is a grant different from a subsidy?
• How to get a small business development grant
• Grants from business incubators

Many business projects in Russia have come true thanks to government support. After all, it is quite difficult to achieve success only with your own efforts and savings. The topic of our review is state grants for business development for individual entrepreneurs in 2019.

Small Business Development Grant 2019

A grant is commonly referred to as gratuitous assistance, both in cash and in kind. Financial support from the government can be directed to the field of scientific research, to starting a business, to education and other useful areas. The main requirement for issuing a grant is the usefulness of the idea. A business project must solve some social or economic problem.

Organizations and citizens registered as business entities have the right to take part in the grant drawing. A grant for young entrepreneurs is also available. You will need to be selected on a competitive basis. Money can only be spent on business needs. In conclusion, you will have to report where the funds allocated from the state budget were directed.

It should be noted that the government of the Russian Federation takes an active part in sponsoring small businesses, because the success of entrepreneurs affects the development of the country as a whole, and improves the standard of living of ordinary citizens.

Conditions for obtaining a grant to support small businesses

Traditionally, a grant for business in Russia, within the framework of state support, is distributed as follows:

• the activities of businessmen relate to the sale or production of goods in the small business segment;
• potential grant recipients have an ideal credit history;
• there are no "misunderstandings" with the tax authorities.

The application review process can take a long time. According to the conditions of the programs of various regions of the Russian Federation, the list of requirements for applicants can be supplemented based on Federal Law No. 209.

Not only successful entrepreneurs, but also beginners have the right to receive a grant for the development of their own business. The state actively encourages the category of the unprotected population, including the disabled, university graduates, single mothers, the military, etc.

It is important that the grant recipient be at least 18 years old and plan to do business in Russia.

List of documents for obtaining a grant for starting a business from the state

To participate in the state financial assistance program, it is necessary to collect a package of documents and submit it within the time period specified by the organizers of the competition. The list looks like this:

• project business plan;
• constituent documents (copies);
• the passport;
• EGRIP record sheet;
• an application for participation, where you need to state in detail the goal, task of the business project, assess possible risks, calculate the amounts, and draw up a resume;
• a cover letter detailing why your idea deserves attention and funding.

Small business grants

As a rule, grant funds are received not in one amount, but in tranches, in accordance with each stage of the plan implementation. Sometimes goods are sent instead of money. It is quite realistic to receive a state grant for small businesses in the amount of up to 300 thousand rubles for development. The range of grant support in the current year ranges from 200 to 500 thousand rubles, depending on the region where the project is being implemented.

But this does not mean that an entrepreneur can only rely on budget money. One of the requirements of the grant programs is that the individual entrepreneur has his own funds, which he plans to use as part of the implementation of the project. So, an entrepreneur who wants to win a grant must have documents confirming the possibility of investing at least 15% of their own savings according to the business plan.

Refusal to issue a grant to start a business in 2019

The refusal of the organizers can be caused by a variety of reasons. Here are the most common ones:

• violations in the preparation of a business plan;
• lack of a clear strategy for doing and developing a business;
• the area of ​​activity of the entrepreneur is not a priority;
• having a bad credit rating;
• the age of the novice IP is more than 35 years;
• lack of work experience.

Even if you fully meet the requirements of the donor, there is no guarantee that you will receive the money. To minimize the risk of grant rejection, we recommend that you request a small amount initially. By demonstrating the success of the project, you can count on a larger amount of investment in the future.

How is a grant different from a subsidy?

Citizens often confuse such concepts as grants from the state and subsidies. And in various information resources you can find these terms as synonyms, which is not entirely correct. The main differences between a grant and a subsidy lie in the following points:

Grant	Subsidy
To receive the amount, you need to draw up a clear business plan, collect documents	The potential recipient spends their money initially and then asks for a refund by submitting an application. In this case, the fact of spending is documented.
For approval, it is enough to have 15-30% of own funds (not necessarily cash)	It is necessary to invest 100% of the necessary funds in the business
Money comes in several stages - tranches	Comes in full
Can be issued multiple times if the entrepreneur has successfully implemented his idea	Issued once

In addition, grants and subsidies are issued by different authorities. But when it comes to the concept of grants to entrepreneurs in the form of a subsidy, this may mean that support is provided, for example, in the form of a loan, part of the debt for which is covered by the state.

How to get a small business development grant

And now let's try to figure out what is the procedure for providing grants in the form of subsidies and where they can be obtained. Let's start with the second point. It is permissible to win a grant from the state in such organizations:

• Committee for the Development of Small and Medium Enterprises.
• Economic Development Committee.
• Committee for Industrial Policy and Trade.
• Advanced local self-government bodies (municipalities), etc.

Funding can come from the budget of the city, region, local or federal budget. Only direct applicants can find such advertisements, since they are not placed on poles. Therefore, if your goal is to take a business grant, check with the local administration for availability. You can also visit the district center for the development of small businesses. Moreover, information is regularly published in print media and on the Internet.

There is no single instruction for obtaining a grant for small business development. Each region has its own procedure. In general, it has the following form:

1. Contacting the appropriate authority.
2. Clarification of the procedure, requirements for candidates, deadlines for filing an application.
3. Drawing up a business plan for the project.
4. Collection and submission of necessary documents (it is possible in electronic form).
5. Waiting for a verdict (the application is considered within three days, if it is approved, then the candidacy will be considered by the commission, 3 months are allotted for a decision).
6. Publication of the results of the competition on the official website of the regional fund.
7. Signing an agreement between the individual entrepreneur and the fund (within 1 month after publication).

Grants from business incubators

A business incubator is an organization that supports young entrepreneurs at all stages of their development. There are also specialized units that provide training for young businessmen. So, students of a business incubator can subsequently receive a state grant subsidy for start-up entrepreneurs.