Where can I get money to start a business? Getting money for business is real! Advice from an active entrepreneur! Where to get money for development

Method 1. Get a loan from a bank

Who is most suitable for? Stable companies that have been on the market for several years. Banks require money back guarantees: a large number of enterprises cease operations due to insolvency, so it is difficult for start-up companies to get a loan.

Denis Smirnov, Head of online stock forecast aggregator Raddar:

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

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

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

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

Bank loan programs for business

Bank	Program	Lending terms	To whom is it provided? credit		Return Guarantee
	"Business-Invest"	Rate – from 11% The payment period is up to 120 months. The minimum loan amount is 150 thousand for agricultural producers and 500 thousand for other entrepreneurs.	Legal entities and individual entrepreneurs with revenue of less than 400 million per year, who work at least: 3 months - if the activity is related to trade; six months - in other cases, with the exception of seasonal business; year - for seasonal activities. If an individual entrepreneur takes out a loan, then he must be less than 70 years old at the time of execution of the agreement.		Issued on bail, with the guarantee of other persons, or under the patronage of the Federal Business Development Corporation
	Loan for any purpose	Rate – from 12% Validity period - 3 years / Maximum loan - 1 million.	Individual entrepreneur who has opened a bank account		No guarantors or collateral
	Business loan	Rate – 15.5-17% Loan amount – from 300 thousand to 1 million.	Organizations and individual entrepreneurs that have been operating for at least 12 months. Entrepreneurs must be in the age category of 22-65 years	Legal entities must confirm intended use
	Investment lending	Rate – from 10% Loan term – up to 10 years Loan amount – up to 150 million.	Small businesses	They require a collateral (25% of the amount may be released from collateral), support from guarantors or a fund for supporting small entrepreneurs

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

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

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

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

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

The likelihood of a positive decision also directly depends on the purpose of using the money. Most often, entrepreneurs take out a loan to increase working capital, acquire licenses to operate, and purchase equipment for the enterprise itself.

Olga Danilova, Deputy Head of the Accounting Outsourcing Department

Regardless of the amount of the loan agreement, conclude it in writing. If the agreement does not indicate interest, the organization must pay it at the key rate in effect in the relevant periods. The agreement can specify a special procedure for paying interest. If this is not specified, interest is paid monthly until the day the loan is repaid, inclusive.

note: in addition to interest under the loan agreement, the document may provide for additional payments. You can check the agreement and organize accounting support for the company.

Who will not be approved for a loan?

A request for funds is most likely to be rejected by:

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

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

• “Fund for Assistance in Lending to Small and Medium Businesses”, St. Petersburg;

Funds provide guarantees on a paid basis, for example, St. Petersburg funds charge 0.75% per annum of the guarantee amount.

Method 2. Find a partner

Who is most suitable for?. Searching for a business co-owner should primarily be done by those who plan to open an enterprise with minimal risk of ruin. For example, these are always popular food outlets or shops.

Advantages. Increase in starting capital. If you lack funds, you can always take out a “double” loan, or sign up a partner as a guarantor. Possibility of distribution of responsibilities: each of the co-owners of the business performs functions that are most consistent with his experience and knowledge. Support in difficult situations. A partner will always come to the rescue in cases where the entrepreneur cannot cope with the problem on his own.

Denis Smirnov, head of the online aggregator of stock forecasts Raddar:

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

Important . Feel free to outsource responsibilities that cannot be distributed. This applies to specialists, whom a start-up company cannot do without, but hiring them on staff is too expensive. For example, a lawyer, occupational safety specialist, accountant. For example, the services of an accountant will cost an average of seven thousand rubles.

The benefits also include an increase in useful connections and support in difficult situations: it is easier to make decisions together.

Risks. A partner can leave the business at any time and receive compensation for his part; he also has the right to sell his share to a third party. A new person who comes in his place can disrupt the work and prevent the implementation of the existing strategy.

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

You may not work well with your partner. And if the attraction of a partner happened at an early stage, then you can sell a huge part of the project for super-little money, and this is very unprofitable.

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

Dmitry Chernov, chairman of the committee of the Orenburg branch of “Support of Russia”:

You must be 110% confident in your partner. There are dishonest partners who are trying to return their funds, add additional interest, leave the business, afraid of the first difficult months

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

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

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

You can involve not only acquaintances in doing business together. The search for startup partners can be done on special Internet platforms. You can also get investment there by presenting your project or an already operating business. Russian platforms working in this direction include:

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

Method 3. Contact investors

Who is most suitable for? Investments for business development assume that the investor will receive certain funds, while completely withdrawing from the direct conduct of the business. Therefore, if you plan to open a simple business, for example, a car repair shop, then it is better not to contact investors. The method is optimal for those who have discovered a new technology or are planning to bring a unique product to the market. However, keep in mind: one idea is not enough.

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

There are many interesting memes on the Internet on this topic. One of them depicts a meeting between two people. One says to the other: “You know, I have a great business idea and all I need is investment, developers, an office and help with my first clients.” And the second one answers him: “So, in essence, you have nothing!” In fact, this is also the real state of affairs. If a person only has an idea, then it is extremely unlikely that anyone will be willing to give him money for this idea, unless it is a bank or collateral for some property for a small business loan.

Example of an investment agreement

Advantages. It is difficult to accumulate a certain amount necessary to implement your own project; taking out a loan from banks is unprofitable and risks ending up in a debt trap. Therefore, beginning entrepreneurs often seek to attract outside investors to their business. An example for inspiration is “Apple”: having invested 91 million of other people’s money, the brand owner managed not only to receive a huge income himself, but also to return $154 million to investors.

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

How to avoid risks when attracting an investor, Viktor Rassokhin, lawyer, candidate of legal sciences, managing partner of the law firm Dealex, told especially for Business.ru

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

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

A promising place where aspiring entrepreneurs can look for investors is the AngelList platform. There are about 400 companies and 3,200 investors in the Russian segment of the database. Also interesting is the Napartner portal, which claims to have attracted about $6.25 million in investments.

Getting borrowed funds is not so easy. Investors need to be provided with comprehensive information about the project. Any investor will want to know what the invested money will be used for, so they require the applicant to have a detailed business plan, a project presentation that will reflect the essence of the future enterprise, and an expense plan.

It will be easier to find an investor if you can provide a money-back guarantee.

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

It is important for investors that a significant part of the money is invested not in virtual, but in tangible assets: land, buildings, equipment. One of the areas of activity is helping active people who want to create their own production in finding investors.

Method 4. Use crowdfunding

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

Advantages. Crowdfunding allows you to attract money from not just one, but many investors at once. For startups, this is an opportunity to start operations with virtually no preliminary investment, advertise their services and assess the demand for them in the market.

Alexey Basenko, CEO of SimpleFinance:

Crowdfunding is an alternative way to attract financing for business development. The client does not need to waste time on office visits; the entire process takes place remotely, online, with a minimum package of documents. In essence, a full-fledged alternative to the banking system is being created.

Risks. When starting a business using crowdfunding, you should be especially careful: if you fail to implement the project, you can lose your reputation and say goodbye to the opportunity to open an existing business in the future.

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

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

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

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

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

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

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

3. Provide reasonable collection numbers.

4. Provide small, interesting incentives for sponsors.

5. Don’t expect money to come to you on its own.

6. Create a fundraising plan.

7. Be prepared for both positive and negative feedback.

8. If you run out of energy, don’t despair, the peak of the collection occurs in the first and last weeks.

9. Work as a team.

10. Thank every person who supported your project.

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

Method 5. Get a grant

Who is most suitable for? Most often, grants and competitions are held among entrepreneurs working in the field of high technology, medicine, education, ecology, as well as those who propose innovative projects.

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

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

How to act. The state is mainly responsible for holding competitions. It also determines the priority directions for business development. In 2018, we developed more than 250 projects in 80 areas of activity. Within this framework, budding businessmen are provided with assistance.

A prerequisite for such programs is paying part of the expenses at your own expense. You need to contribute from 30 to 70% of the total cost of the project.

For convenience, use the business navigator service; it will help you find all available support measures, look at options for purchasing a ready-made business or franchise, and also use analytical data to choose the type of activity in your city.

Business navigator in St. Petersburg

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

Lipton competition

Method 6. Take advantage of government support

Who is most suitable for? The state allocates funds only to entrepreneurs operating in certain industries. They finance businessmen working in the field of:

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

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

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

Advantages. The main advantage of public investment is that there is no need to return the funds received. The state benefits not from making a profit, but from developing a lagging industry at the expense of new enterprises.

Galina Khvostova, sales growth expert:

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

Risks. The entrepreneur who received the subsidy is assigned certain responsibilities. For example, he must report on the use of funds and use them exclusively for their intended purpose. The funds themselves must be used for the purposes specified upon receipt. Otherwise, the entrepreneur risks not only losing his reputation, but also facing administrative or even criminal liability.

How to act.

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

Denis Smirnov, head of the online aggregator of stock forecasts Raddar:

In recent years, the Russian state has not only made loud statements, but also really helped aspiring businessmen in starting their own business - large, national assistance programs are prescribed in priority areas until 2025.

Government business support programs

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

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

But if you still managed to fit into the framework of the projects, you can receive funds that you won’t even have to repay in the future.

Bonus

Is it possible to open a business without money?

Initial investments will be required in any case. But there is good news: their size can be so insignificant that you can allocate the required amount from your own funds. If there is no money at all, but the desire to do business is enormous, a way out can be found.

Anastasia Yakusheva, owner of the “Lady’s Showroom” showroom network:

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

The number of starting 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.

Financial support from the state contributes to the emergence of new small and medium-sized businesses. The authorities of a particular region are trying to introduce ways to help: various benefits, subsidies, as well as 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 small and medium-sized business owners. To find out if your company falls into this category, you should pay attention to the number of employees and annual turnover. The following types of enterprises can count on money from the state:

• starting business(up to 15 people on staff with an annual turnover of up to 120 million rubles);
• small business(up to 100 people on staff with an annual turnover of up to 800 million rubles);
• medium business(up to 250 people on staff with an annual turnover of up to 2 billion rubles).

To receive 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 funding are much higher for businessmen who have social benefits and also own a social or export-oriented business.

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

• Manufacturing of consumer goods.
• Popular trends in folk art.
• Offers of rural and ecological tourism.
• Housing and communal services.
• Agro-industrial department.
• The field of science and technology, as well as innovation activities.

How to get help from the state for the development of small businesses in 2019?

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

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

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

Important: if a business operator cannot provide confirmation, he is obliged to return the subsidy funds to the state in full.

Also, the terms of the drawn up agreement stipulate that the activities of the financed small enterprise must last at least one year from the time of opening. This eliminates the possibility of cooperation with fly-by-night companies.

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

• City administration. The Economic Development Division provides information on types of financial support for small businesses.
• Chamber of Commerce and Industry. This institution provides assistance in consultations on business, marketing, legal issues, and helps to take part in exhibitions.
• Entrepreneurship Support Fund. Based on the results of the mandatory assessment of the submitted project, the organization allocates funds for the activities of the small enterprise.
• Business incubator. This organization provides infrastructure support for the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
• Venture fund. Focuses mainly on innovative projects and subsequently 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 training, the right to take part in exhibitions, etc.

After contacting the above authorities, you will receive a list of necessary 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 contains information about the salary for three months before the completion of work.
4. Document confirming the availability of education.
5. Application from a program participant to receive financial support from the state (using a specially approved form).
6. Ready business plan.

Money from the Employment Center

The most common way to get help among entrepreneurs is to contact the Employment Center. How is this procedure done?

The first step is to register with the Employment Center and obtain unemployed status. This is a prerequisite, since the state allocation of funds is only available 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;
• document on marital status;
• education document.

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

The regional commission reviews the package of documents within 60 days. If a positive decision is made, an agreement will be concluded between the applicant and the Employment Center, and the funds will be transferred to the recipient’s account. The commission may decide to reimburse only certain expenses, such as registering and opening a small business. If the applicant receives a denial notice, he can try again.

Grants for new businessmen

This type of allocation of funds from the state involves assistance to beginning businessmen to open a business and to 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 to support small and medium-sized businesses.
• Unions created by entrepreneurs.

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

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

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

The entrepreneur must provide the following documents:

• Documents confirming the absence of other sources of financial support.
• Certificate of registration of individual entrepreneur or LLC and business plan.
• Bank statement about the amount of your own finances.
• Certificate of positive credit history.

The Industry Commission then 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's priority is the unemployed, young entrepreneurs, former military personnel, families with young children, etc.

Subsidy program

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

1. Federal programs. They are implemented nationwide, and they are also characterized by a large amount of money allocated 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 conducting commercial activities.
2. Regional programs. They work in the territories of administrative regions and manage the regional or district budget. The purpose of such programs is to develop the infrastructure of an entire region.
3. Local programs. The scale of implementation is working with city or regional entrepreneurs. Subsidies are limited to small amounts of funding.

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

Preferential lending

Categories of small and medium-sized commercial entrepreneurs who are not able to receive financial support from the state can apply for preferential loans. Many banks provide such loans on simplified terms. As indicated, the likelihood of opening a loan with a favorable interest rate is higher for those who are engaged in activities that are a priority for the state.

Advice: If you have any questions regarding assistance, you can contact banking institutions or credit communities directly, as they also have lending programs for beginning businessmen.

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

• 20% if the loan amount is more than 500 million rubles or if repayment of the loan is planned from 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 you use money from the state for?

As mentioned above, the subsidizing process is the free issuance of funds that facilitate 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 rent of a place or plot of land (no more than 20% of the principal amount is allocated to cover these expenses).
• Replenishment of working capital.
• Equipment for workplaces.
• Purchase 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 funds received).
• Work related to repairs and opening.
• Intangible assets.

The entrepreneur draws up an annual report, which indicates what exactly the subsidy income received was spent on. It is also necessary to submit certificates and receipts to the control authorities.

Intangible options for supporting small businesses

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

1. Free training opportunity. Why do many entrepreneurs, when faced with problems, leave business in the first years of activity? They simply do not have the necessary knowledge about running their business. Such educational skills (for example, how to lead) help in development, but are expensive, so not everyone can get them. The state provides starting businessmen with the opportunity to study courses for free, as well as attend various seminars and lectures. The applicant is obliged to submit the relevant documents to the necessary authorities: paid bills, certificates of completion of training or concluded contracts. The payment will cover half of the expenses, but in an amount not exceeding 40 thousand rubles per year.
2. Reduced rent. Another support option is discounts on the cost of renting premises where offices or production are located. Remember that you can only get such a discount 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 subsequent period the entrepreneur pays the full rate. A prerequisite is a competitive selection to determine a worthy candidate. The winner receives additional assistance to pay for communications.
3. Compensation for participation in exhibitions. To popularize and further develop, small business owners can take advantage of subsidies to participate in national or international exhibitions. Based on the selection results, the state can help pay the costs of registration, renting a place, transporting 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 a small business: an application, an agreement with the organizers and a report on the work performed.

Let's sum it 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, concluding an agreement with the relevant government agencies 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 make the most of the assistance and fulfill his obligations.

To solve the dilemma of where to get money for a business from scratch, you need little - desire, willpower and 2-3 minutes of time to read the article. Beginning businessmen have dozens of options at their disposal. We are talking about projects that do not require investments, or the accumulation of the necessary amount to start a personal business. 9 out of 10 people who want to start a business never start it due to lack of money. But these are just an excuse.

How to open a business without money - the best ideas

There are hundreds of ways to start a business from scratch without initial investment. Let's highlight several options:

1. Working with a network marketing company. To start a business, it is important to be able to offer a product, interest the client and convince him of the importance of buying this or that item. The main thing is not to fall into a financial pyramid and work only with those companies that have a good reputation.
2. Cooperation with the employer. Let’s say a person sells air conditioners, has a stable salary and receives a percentage of the goods sold. But he has ideas on how to increase the volume of equipment sold. In such a situation, you need to draw up a business proposal to the employer and submit it to him for study. If the manager likes the idea, he will give the go-ahead for its implementation. At the same time, your own employer provides money for business development.
3. Selling knowledge. Having any useful skills can be sold. If you have knowledge of programming or languages, the ability to play the guitar or write articles, you can transfer knowledge to other people. This can be done in person or online.
4. Husband for an hour. One of the easy ways to start a business without money is to sell your “golden hands”. We are talking about the provision of services in the domestic sphere. It is enough to submit an ad in a newspaper or on the Internet and indicate in it your willingness to provide assistance in everyday matters (repairing an outlet or plumbing, installing or replacing a lock, assembling furniture, and so on). The format of cooperation, task and payment are agreed upon over the phone, after which the person makes a decision about the possibility of such income.
5. Reselling things online. A great way to start a business without money is to buy new items (these are often found) at a second-hand store and then resell them online for a higher price. To implement the plan, we do the following - we select high-quality products, give them a marketable appearance, photograph them and place them on bulletin boards. Depending on the item, the final cost can be tens of times higher than the purchase price.

Where to get a business loan from scratch - options

The problem for aspiring entrepreneurs is an acute shortage of funds. The solution to the problem is to apply for a business loan from scratch. To do this, you will need the following documents - application form, passport, papers for an individual entrepreneur or legal entity, military ID or registration (for citizens under 27 years of age), application form (to be completed by an employee of a banking institution). Depending on the situation, a certificate of income, a guarantor and a deposit may be required.

Let us highlight some offers from banking institutions:

1. Sberbank issues up to 5 million rubles. with a rate of 16-19%.
2. Raiffeisenbank offers loans for business from scratch at 12% and higher in the amount of up to 4.5 million rubles.
3. VTB 24— issues money at 11*.8 or more in the amount of up to 85 thousand rubles.

A loan for starting or developing a business can also be obtained from other financial institutions - Otkritie, Binbank, SKB Bank, Sovcombank, Alfa-Bank and others.

Where to get money for a business from scratch and for company development

Let's highlight a number of other ways to start your own business:

1. Search for investors. A common way is to attract investment from interested parties. To receive money for the development of a project, it is important to have a business plan and present it to business angels (individuals or companies) who invest money in promising areas.
2. Using personal savings. If desired, the required amount can be saved. This requires cutting costs, increasing earnings, and possibly selling valuables.
3. State assistance. To start a business without money, you can turn to the state. We are talking about receiving subsidies, participating in competitions and receiving grants. To solve the problem, you need to contact your local government authority and clarify the conditions of existing programs.
4. Crowdfunding. If you can’t get money to start or open a business from a bank, you can ask other people about it. To do this, just go to the website, create a personal page and tell about your future goals in it. Practice shows that people invest in quality projects.

Opening a business without money and from scratch is easy. The main thing is to have the will, time, strength and desire to realize your dream. It is important to remember that there are people nearby who will help you achieve your goal. It's enough to ask.

Despite all the difficulties and bureaucratic obstacles, more and more Russians are striving to become independent and open their own enterprise. We have long been taught to perceive the state not as an assistant, but as an insurmountable barrier to profit. What are the chances that money for business from the state will still end up in your budget in 2018?

What kind of help can you expect?

The time when small businesses were left to fend for themselves is long gone. Today, the development of this area is a priority in the internal policy of the state.
According to new changes in legislation, individual entrepreneurs can count on the following benefits:

• cash subsidies;
• coverage of training costs (often, however, only partial);
• internships;
• leasing on preferential terms;
• free or preferential outsourcing services;
• grants;
• discounts on participation in exhibitions and fairs;
• partial compensation of interest on loans;
• provision of guarantees and sureties by government funds, which simplifies access to borrowed resources.

It is also worth noting that it is not only government funds that support small businesses. Those who provide assistance to newcomers include investment funds, public organizations, business schools, and government agencies. They are the connecting link between the state and entrepreneurs.

Subsidies for start-up entrepreneurs

The resolution on business support applies to everyone who has a USRIP registration sheet. These persons may apply for a cash subsidy.

The main condition is that the registered enterprise should not be more than two years old. It is such a business that is considered a start-up and can enjoy the privileges of the entrepreneurship support program.

The amount of assistance is determined depending on the region in which your company is registered. The maximum assistance that can be received in the capital is 500,000 rubles. In the regions, no more than 300 thousand are allocated. However, it is worth considering that due to the crisis in the country, money to support small businesses is transferred from the state budget quite slowly, so not all funds accept applications for subsidies.

You also need to understand that the individual entrepreneur receives money allocated for business development from the state on the terms of co-investment. It is impossible to organize your own enterprise using government money alone; you will also need to contribute personal savings.

In addition, the subsidy can only be used for strictly regulated purposes:

• payment for rent of premises;
• equipping employee work areas;
• purchase of materials and raw materials for production (you can only use 1/5 of the assistance received).

You will need to report how much and where you spent money from the cash fund. For verification, the regulatory authority will require receipts, certificates, and contracts. In addition, you must first familiarize yourself with the financing conditions in your region so as not to violate the requirements of local legislation.

Support for the unemployed

State support for business can be implemented in another way - through the employment center. To receive assistance, you must first register as an unemployed person at the local employment center. Then, reasonably refuse all proposed vacancies, draw up a business plan for future activities and submit it for consideration along with other necessary documents.

If everything is done correctly, you will be allocated funds to bring the project to life. The amount of assistance, of course, is not too large - 58,800 rubles. But if you have a viable idea and a great desire to implement it, this should be enough to get started.

An important condition for receiving this type of assistance is constant (quarterly) reporting on the expenditure of funds to the employment center. If it turns out that money for a business from the state was not used for the purposes provided for in the business plan, the entrepreneur will be required to return the subsidy. He will be blacklisted and will no longer receive government assistance in the future.

Other help options

There are a number of other government support options.

Free education

The most common reason for the failure of entrepreneurial activity is the lack of necessary knowledge about running a business. They, in turn, are difficult to acquire due to the high cost of relevant educational services. As a grant, the state provides budding entrepreneurs with the opportunity to attend all kinds of courses, seminars and lectures for free.

Rental discounts

Government support can also be expressed in the form of discounts on rent for premises for office or production. True, such assistance is only possible if the rented building or premises is on the balance sheet of the state fund. If you want to get it, be prepared to participate in a competition for the title of the most worthy tenant. If you win, you will receive an additional subsidy for connecting all necessary communications.

Payment for participation in exhibitions

Subsidies for participation in regional, national or international exhibitions and fairs will help entrepreneurs popularize their products. Those who receive such assistance are paid the costs associated with registration, accommodation, organizing an exhibition stand, renting a site, etc.

Whatever type of government support an entrepreneur applies for, the main condition for its provision is that his business idea be viable, so that its implementation leads to the creation of a truly profitable enterprise that would not only provide profit to its owner, but also benefit the city or region . Our country is not ready to support a business that does not justify itself. If you want to take a risk, be prepared to rely only on your own strength and money.

How to Find Funding for a Small Business: Video