Condition of lending to small business in the year. How to get a loan for business development? Labor Exchange Subsidy

When own financial means for business development is not enough, the entrepreneur is forced to look for borrowed funds in various financial institutions, pushing out the most favorable sentences, with suitable conditions for it.

At the moment, a widespread practice, but large firms or corporations a loan to get much easier, but individual entrepreneurs (IP) are not so simple. First, banks and other credit organizations, less willingly work with such a category of customers, secondly, for them, the conditions are usually tough, for the reason that issuing a credit institution, credit institutions risen more than issuing a loan to large, famous firms.

Of course, in most cases, one of the main conditions for the minor business of bank loans is the provision of collateral property. The reason is simple: a business is a risky business, and a pledge is a good return guarantee credit funds. At the same time, not all credit products require a deposit. A number of banks today offer several lending options for individual entrepreneurs without collateral.

And despite high percent, hard requirements and frequency of failures, entrepreneurs still attract loans without mortgage. Moreover, banks although they talk about a large number of problem debts in this area, the credit limit is still raised. Now without collateral, you can take up to 30 000 000 rubles.

Where to get a loan without failure, without references and without a guarantor in 2017? - Top 10 banks

Here is a list of banking programs with the highest probability of approval of applications for a loan. According to these programs, you can take a loan without failure, without references and guarantors. To obtain a loan, select the appropriate program and fill in the online application for a loan.

Place a credit

1. - Cash loan

• Amount: from 50,000 to 2,000,000 rubles.
• Term: From 1 to 5 years.
• Interest rate: from 13.99%
• Age: from 21 to 70 years.
• Probability of approval: High.
• To get it necessary:
• Owners of salary maps: passport, driver's license.
• Standard loan: passport, driver's license, 2-NDFL.

Place a credit

2.- Credit with an online solution

• Amount: up to 750,000 rubles.
• Term: up to 5 years.
• Interest rate: from 14.9%
• Age: from 21 to 65 years.
• Probability of approval: High.

Place a credit

3. – online application on credit cash

• Amount: from 25,000 to 1,000,000 rubles.
• Term: From 1 to 5 years.
• Interest rate: from 15%
• Age: from 21 to 76 years.
• Probability of approval: High.

Place a credit

4. - Cash loan

• Amount: up to 3,000,000 rubles.
• Term: from 6 months. up to 5 years.
• Interest rate: from 14.9%
• Age: from 21 to 70 years.
• Probability of approval: Average

Place a credit

5.- Online loan application

• Amount: from 5,000 to 400,000 rubles.
• Term: from 5 to 60 months.
• Interest rate: at 12%
• Age: from 20 to 85 years.
• Probability of approval: Average

Place a credit

6. - Fill in the form in 5 minutes and get a credit card

• Amount: up to 300,000 rubles.
• Interest rate: 0.12% per day, a percent period of up to 55 days.
• Age: from 18 to 70 years.
• Conditions: Without certificates and visits to the bank.
• Probability of approval: High.

Place a credit

7. - for customers without overdue loan debt

• Amount: up to 1,300,000 rubles. without commission.
• Term: from 6 to 36 months.
• Interest rate: from 15.9%
• Age: from 23 to 65 years.
• Probability of approval: Average

Place a credit

8. - Express Cash Credit or Bank Card

• Amount: up to 500,000 rubles.
• Term: from 2 to 5 years.
• Interest rate:from 15.9%
• Age: from 24 to 70 years.
• Probability of approval: High.

Place a credit

9. - Credit without references from 15 minutes

• Amount: from 5,000 to 200,000 rubles.
• Term: up to 4 years
• Interest rate: from 13%
• Age: from 21 to 75 years.
• Probability of approval: Average

Place a credit

10. - Fill in the online application in 10 minutes and get a decision immediately

• Amount: from 50,000 to 2,000,000 rubles.
• Term: up to 5 years.
• Interest rate: from 14.5%
• Age: from 22 to 60 years.
• Probability of approval: Average
• It will take a document confirming the income: or 2-NDFL reference.

Credit for small businesses up to 2,000,000 rubles for 24 hours

Today, in the market financial services There is very interesting online service For lending to small business, this service is called this service. The essence of this service is that the loan is not given a bank or MFI, but thousands of users of online stream service. For users it is an alternative to investment, and for entrepreneurs instant money without banking wires and difficulties.

Therefore, get a loan in this online service, far easier than in a bank. You do not have to collect documents and references, you will not require a collateral, you can not drive anywhere, the loan can be obtained in the online mode without leaving the house or without leaving the workplace.

The most important advantage of this online loans for issuing loans is the high probability of approval. Because banks require a deposit, ignore whole industries and use outdated methods for evaluating companies. Online service for issuing loans "stream" has created a new method due to which credit Companies can get a loan quickly and without nerves!

Lending conditions on the online stream service:

• Without collecting documents and no deposit in online mode.
• The loan solution is accepted within 15 minutes.
• On average, from the moment of applying, until the loan is received 24 hours.
• The maximum loan amount is 2,000,000 rubles.
• The interest rate on the loan is 2.5% in 6 months.
• The loan is issued for a period of 1 week to 6 months.
• You can take and repay the loan in 2 clicks.

A little about the online lending service "Flow"

"Stream" is an innovative online service established by alpha groups and integrated with Alfa-Bank. Alpha Bank is a data provider to assess the small business and makes calculations between the participants in the "Stream".

Online Service "Stream" was founded in February 29, 2016, and at the moment thousands individuals Loan small business throughout Russia.

Loans are issued to all small businesses engaged in wholesale and retail, including sale of cars, construction, advertising and even development software. There is no restrictions on the choice of the bank, a lending company can keep a settlement account in any bank of Russia.

What is very important and convenient? - To submit an application for a loan, you do not need to collect a package of documents with many different references, and the entire loan process is carried out in online mode and most companies receive a loan during the day after applying.

Features of loans without mortgage

In most cases, lenders in order to guarantee the return of cash spent on the cash fund, are asked to provide a loan by the deposit - property of the enterprise or personal property of the entrepreneur itself, for example, real estate, land, vehicles, etc. But how to be not having a collateral that could offer a creditor to receive a loan? It is necessary to consider all possible suggestions and the conditions for issuing loans to small businesses without collateral. Knowledge banking productsAs well as the requirements for them, will help make a right decision and, if necessary, find a loan on the most favorable terms.

Credit funds are issued by PI for various purposes - to expand the production base, the introduction of new technologies, the opening of a new direction in business or the development of the existing one. It should be noted that in most cases the goal of obtaining a loan has a tremendous formal value, but the most commonly misused waste of credit funds occurs, because After issuing a loan, no one controls its target use. Nevertheless, both in the case of a secured loan, and with a loan without collateral, when it obtained it occurs a one-time enrollment of a loan amount due to the borrower's current account.

When an entrepreneur takes a secured loan, a credit organization insures its risks using:

• guarantions (as third parties and business owners);
• property (the entrepreneur itself, or third parties).

And in the case of an unsecured loan, the issuance of a loan for the creditor is associated with high risks of the loss of issued funds, so the requirements for an entrepreneur who takes a non-taxable loan is much higher, and the procedure is a bit more complicated.

Pros and cons of loans without collateral

Comparing secured and unsecured types of loan, you can immediately allocate the following disadvantages of non-tax loans:

• large interest rates;
• less expenses of lending without collateral;
• less maturity;
• a more thorough check of the borrower under compliance with the terms of the loan;
• limited maximum loan amount.

Large interest rates compensate for creditors financial risks in those non-discovered cases when the borrowed funds are not returned. The number of suggestions of such loans in the data data market is a smaller part, for the simple reason that with secured loans, as a rule, less than the carrot and in case of no return, the mortgage object goes to the creditor, in the future it is implemented and thus covers the damage or The damage compensates for the guarantor who provided a loan. In this case, credit organizations can afford to reduce the interest rate, because It is not insurance against the loss of issued tools, but acts as a fee for a loan service.

Regarding the smaller maturity, as well as less maximum amount, usually provided for loans without collateral, then the rule described above is operating here - when issuing a secured loan, risks are smaller, and therefore it is possible to offer great amount For a longer period.

As it was already said, checking the entrepreneur, taking a loan without collateral passes more hard, as in this case Previous credit history of the borrower, his financial stability And other positive qualities are the only items for which the decision is made. In the case of the available pledge, even, for example, not the most positive credit history of the borrower only spoils the situation slightly, because in any case the entrepreneur guarantees the return of funds, as a last resort, by means of his property or property of the guarantor.

However, a loan without pledge can be profitable loan For small businesses, and in some cases saving, if there are no other options for obtaining financial resources. In addition, despite the carefulness of checking the borrower, the loan without collateral implies the simplicity of registration, which is not much different from receiving the usual consumer credit. Therefore, it is possible to highlight the following pluses:

• lack of a pledge object;
• lack of costs for assessing collateral, insurance and transfer of property rights;
• time saving;
• free disposal of all property that does not act as collateral;
• easy decor.

Terms of granting a loan to small business without collateral

There are many banks and other in Russia credit organizationsSupports your IP lending program without providing loans for mortgage property. Among which the largest are OJSC Sberbank of Russia, Promsvyazbank PJSC, Unicredit Bank JSC, JSC Bank Investtorgbank and LLC Promselkhozbank.

Let's find out which general exemplary requirements of the banks listed above on the example existing programs Issue loans for IP without collateral:

• the presence of a passport of a citizen of the Russian Federation;
• availability of registration or temporary registration;
• military ID, for men under the age of 27;
• certificate of registration in tax;
• certificate O. state registration as an IP;
• certificate of ownership or lease agreement in which IP works;
• permits for certain types of activity, if available;
• copy accounting reportingwhich was handed over and accepted in tax authority for the last reporting period;
• balance and profit and loss statement over the past 3 years;
• extracting about the movement of funds in the account for the past six months - a year;
• the order for the appointment of the chief accountant or other employee authorized to conduct reporting and a copy of his passport;
• receipts on the payment of taxes;
• business management in the region where the creditor is located;
• the term of actual activity from 24 to 36 months;
• the age of the borrower from 23 to 60 years;
• no bad credit history.

As for other banks and credit institutions, the main list of requirements for everyone is approximately the same, but the credit managers of other organizations can advance additional requirements, including the availability of a deployed business plan in which IP needs to set out what goals received credit funds will go.

Based on this data, if you look attentively, it becomes clear that, despite the extensive list of requirements for the Bank, they are not exceptional and do not imply special red tapes. If you wish, the necessary package of documents for obtaining a loan without collateral, for a small business entity, can be collected in one day, but here's consideration and decision-making in the case of unsecured loans occurs not so quickly, due to the above-described need to carefully verify all documents filed. For example, on the website of Promsvyazbank PJSC, it is indicated that the decision-making is 7 working days.

For small IP, obtaining a loan without collateral is very often the only financing option, so when making a decision on the appeal for a loan, you need to carefully read the selected institution, reviews about it and its terms.

In addition, before a visit to the credit institution manager, it is necessary to prepare the documents provided to him with a special care - to put accounting in order, draw up a quality business plan and consider possible answers to questions.

And you should understand that in connection with high credit risks, rates on unsecured loans are always higher than the usual.

Small business lending without collateral - options

Entrepreneurs who want to get a loan without collateral there are the following options:

• Profitable offer. Today, a number of banks offer representatives of small business to take a loan for any business goal, moreover without providing collateral.
• Microcredit (small loan). If a businessman is required small sum money (about 1 million rubles) On the development of his business, also without providing property in a deposit, he can take a microcredit. For mostly, microfinance organizations (MFIs) are engaged in such lending. At the same time, there are also large banks in microcredit programs, where the interest rate is significantly lower.
• Express loan for business. If the entrepreneur does not have a mortgage property, and it urgently needs a relatively small amount of money, it can use the program of non-tax rapid express lending. Express credit (urgent) differs from consumer in that the application for consideration is a lot less time (literally a few hours). As a result, the borrower often gets the borrower on the day of appeal to the bank. Of course, due to the lack of collateral, as well as the compressed period of consideration of the application, for registration loan agreement Banks, as a rule, request a rather solid package of documents.
• Overdraft.. If the owner of a small business is needed short-term credit, it can refer to such a model loan product as overdraft to a calculation account. It is also possible to arrange it without granting a deposit in the bank where the business is open at the business account and there were turns on it. Overdraft is a loan form in which the Bank's customer is allowed to use more cash than he has at the current account. In other words, the company gets the opportunity to "leave in minus" on the size of the limit established by the Bank. The limit in turn is calculated with the average amount of cash receipts for the current account for three to six months (Usually it is 30-50% of this amount).

What should I do if you refused a loan without collateral?

And for those IP, who do not have the opportunity to provide a deposit, and the loan unsecured loan failed, it remains to get into state program According to the provision of guarantees for the subjects of small forms of business from the department for promoting lending. This is a non-profit organization, created in order to assist in the development of small and medium-sized businesses. To date, the Fund cooperates with a large number of banks throughout Russian Federation and provides a loan from 30 to 50% (depending on the scope of the enterprise) Those IP, which fall under the terms of the Fund program in the region, submit an application and pass the established procedure. As a rule, the assistance procedure by this Fund in the issuance of the IP loan is the following steps:

1. Submitting an application for the issuance of a loan to the bank, which collaborates with the Fund.
2. Consideration of the application and accepting a positive decision.
3. Bank transfer of this application and the attached documents to the Fund.
4. Taking a positive decision by the Fund.
5. Signing a trilateral guarantee agreement.
6. Payment of remuneration fund.

A brief comment on the last 6 point - the amount of remuneration for the guarantee provided is relatively not high and amounts to 1-2% of the amount to which the fund is entrusted for the borrower. This amount is paid once, when signing a tripartite agreement. In addition, the cost of the fund's remuneration can be compensated from the city budget in the amount of up to 90%. To get acquainted in detail with the terms and procedures for obtaining guarantees from the Deputy Promotion Fund, enter a lending to the Specific Region in the search engine in which you live.

Many novice entrepreneurs at the stage of business formation are faced with financial difficulties. The easiest way to solve this problem is state preferential lending. There are many programs in which the state allocates the state cash developing enterprises for small interest. What needs to be done in order to get a preferential loan as helping small business from the state in 2019, we will tell you in this article.

Perspectives

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

In addition, the geomarketing navigator system will be launched, thanks to which entrepreneurs, without additional research, can get comprehensive information about the segment segment of the market. More than 200 business plans are developed in 75 entrepreneurial activities. If this project is approved, the state assistance to the development of small businesses in 2019 will be a pleasant bonus for novice entrepreneurs who open their own business in such difficult economic conditions.

Types of state aid to small businesses

Federal programs

The government of our country has allocated funds to regional budgets to regional budgets that are intended to support small entrepreneurship.

To help the business in the crisis from the state can count:

• Novice entrepreneurs;
• Manufacturing enterprises;
• Companies that are engaged in environmental tourism;
• Organizations whose activities are associated with folk creativity.

Small business support

It is worth noting that the help of small and medium businesses from the state is expressed not only in financial support, but also in the provision of various free services.

It can be:

• Training (seminars, trainings and other);
• Counseling on legal and economic issues;
• Organization of fairs and exhibitions to promote goods and services;
• Security land plots and production facilities.

Subsidy from the Center for Employment

Everyone knows that before, you need to find the starting capital. If you do not have our own savings, you should not immediately run to the bank to take a loan. Beginners entrepreneurs can get the help of the state to the opening of a small business through the labor exchange.

For this you need:

• Stand up in the employment center, as unemployed;
• Develop a competent project with calculations and detailed description of the planned activity;
• Apply for participation in the competition.

The Commission will consider your plan and will decide. If it is positive, you can register IP or Ltd., get money and proceed in work. Such financial assistance to the state to small businesses is issued free of charge, but the entrepreneur must provide in the regulatory authorities a detailed report on the targeted use of funds.

Property support

There are several more types of assistance to novice entrepreneurs from the state in 2019:

Before applying for participation in the competition, you need to collect all required documents, including confirmation that you did not receive any grants or cash subsidies. In addition, it is necessary to study at special courses of entrepreneurship, which work with regional support funds for small business.

Loans

If for some reason you have refused to free financial assistance, You can get a loan for small businesses from scratch from the state at 5-6% per annum.

Such a view state support Available for enterprises:

• Engaged in the development of innovative production;
• Import substitution oriented export products;
• Engaged in the production of oil and gas equipment.

In other words, concessional loans to small business from the state in 2019 will be able to receive enterprises that work in the priority areas of the economy.

Procedure for obtaining a concessional loan

How to get help to small business from the state in 2019? First of all, you need to contact the partner's stock bank, provide all the necessary documents, and apply. After that, you need to wait until the bank consider your application and decides. If the borrower cannot make a deposit, the financial institution sends the client's documents by e-mail and an application for guarantee to the above fund.

The application must be considered within three working days. If a positive decision is made, a contract is drawn up between credit institution, Foundation and entrepreneur. Because it is a profitable, before making a decision, the fund conducts a thorough analysis of the borrower's business to assess its financial stability.

Where and how to get a loan for small business?

It should also be noted that a loan from the state as helping small businesses can also be obtained in the regional or municipal fund. Non-novice entrepreneurs give out small loans for a short time. Microcredit is perfect for enterprises with a short production cycle. If things go successfully, the businessman can count on more impressive help to small business from the state in 2019.

Another favorable tool of preferential financing is a compensatory loan. This option can be used to implement. The state issues small loans that are intended to repay the main loan. Thanks to this, the client receives a postponement of interest to one year. During this period, he can calmly engage in the development of his business.

The easiest way is to develop a innovative project. In this case, you can count on active support from the state, since such activities are positively reflected in the development of science.

Who gives preferential loans?

To date, preferential lending for novice entrepreneurs has become available in many banks. Preferential conditions in different credit institutions have significant differences, but despite this, it is possible to allocate the main trend - this is a low interest rate, long term repayment of the loan and the simple design procedure. Preferential lending is the perfect option for implementation.

Since in 2019, the federal subsidies were allocated much less funds, the regions will finance only the most priorities of entrepreneurial activity - agriculture, innovation, scientific and technical developments, the production of essential goods. According to experts - this social sphere and utilities. These areas of activity receive comprehensive support from the state.

There are also restrictions on obtaining concessional loans. At such a loan, faces that are:

• Went bankrupt or are on the verge of bankruptcy;
• In the past, a preferential loan was obtained, but did not pay off the debt;
• Have any debt to government agencies.

One of the most frequent problems faced by entrepreneurs is lack own capital. If a businessman has no sufficient experience, it will be difficult for him to get money from companies or individuals. An excellent solution in such a situation will be loans to small businesses from the state in 2018, which can be obtained on preferential terms.

Varieties of state-owned business

Even in conditions economic crisis The state provides support for novice businessmen. Loans to small businesses from the state in 2018 can be provided in such forms:

Methods of obtaining loan

Microfinance is the most simple method of obtaining state loan. This state support is provided for novice businessmen. To obtain a loan for the development of the case from zero, it is required to send a request to a special fund to provide assistance to small businesses. Communicating all the documentation and proving the possibility of a subsequent return of funds, it is possible to significantly increase the chances of obtaining a loan.

Microfinance is carried out on such conditions:

You can also use guarantion. The SMP Support Fund can be a guarantor, after that the loan will be issued by the Bank involved in the implementation of this program.

To get a loan to small businesses from the state in 2018, it is necessary:

Permanent subsidy is considered optimal option To obtain a loan to small business provided by the state. The program is implemented through the employment service. It aims to reduce unemployment.

The main stages of obtaining a loan from the state in 2018

Cash that the state provides possess target destination. This means that they cannot be spent on their own needs. Government departments are monitoring the cost of enterprise that received subsidies. This means that an unscheduled check can occur at any time.

After receiving and consolidating funds, it is required to report on them. target use. All transactions must have a documentary confirmation - payment order, invoice or check. When making funds for opening jobs, copies of labor agreements are required to open workplaces. If some employee was dismissed, then for 2 weeks, a new employee needs to be arranged for the released place.

When the report is filed, a representative can come to the entrepreneur state Structures For reconciliation of documentation with the presence of acquisitions made. If the funds are not intended to be intended, the businessman must return the amount received in full.

Where to get a loan?

Subsidation by the state is carried out through organs local governments Employment Center. Also, centers for supporting small businesses are engaged in such activities, which are in all regions of Russia. They have partnerships with bodies of municipal self-government.

IN local administration You can get a loan to small businesses from the state in 2018. At the next stage, you can write a statement. You can do it through the employment center in your region. After that, it is necessary to prepare a project plan. It is important to make a number of calculations, for example, the payback period of the business and its profitability. During the special meeting, a submitted statement is considered. With a positive solution to the entrepreneur will be issued a loan.

Recall that the funds provided can be applied exclusively by intended purpose:

Cities in Russia, in which you can get a loan to small businesses from the state in 2018

For effective small business promotion may be required. The page tells how to get a loan with a bad credit history. And describes in detail how to calculate a loan for the construction of a house in Rosselkhozbank.

Beginners entrepreneurs and small firms are often faced in the process of their activities with the problem of the lack of financial resources. Attraction bank loan - The event is very expensive.

What are the conditions for providing state financial assistance to small and medium-sized businesses (SMEs) in 2020? Answers to questions in this article.

Features of obtaining loans MB on preferential terms

In Russian practice, it is possible to take advantage of preferential loans and opportunities to take advantage of the loyal conditions for attracting bank loans can only enterprises that will ensure effective returns for the entire national economy as a whole.

What criteria determine such returns?

1. The number of workplaces formed (especially this aspect is significant for the economy of Russian regions);
2. The amount of tax revenues to the regional and federal treasury;
3. GDP growth at the level of individual regions and the whole state as a whole.

In order to effectively support enterprises capable of forming favorable trends in the Russian economy in 2015, a small and medium-sized businesses were created. It is through it that credit and warranty support programs are currently being implemented, as well as a public procurement system.

In order to take advantage of the financial support of the corporation to a subject of entrepreneurship, it is important to prove your readiness to ensure economic efficiency For the whole national economy as a whole.

What kind of support can count small business

The Government of the Russian Federation regularly provides regional budgets financial resourcesTo be used to support small and medium-sized businesses.

Why is the state to develop this segment of the National Economy?

• First, it is the primitives of the future large business - the supports of the national economy;
• Secondly, these are additional jobs, the increase in GDP and tax revenues in the treasury;
• Thirdly, it is a way to form an effective competitive environment in the market that can positively influence the quality of products.

There are several groups of Russian entrepreneurship subjects, which can expect to receive state financial assistance, including:

1. New firms that make the first steps in the business;
2. Enterprises engaged in the production of products;
3. Companies from the sphere of environmental tourism;
4. Business entities engaged in creating masterpieces of folk art.

SME support in Russia has several main directions, including:

• Financial assistance in the form of preferential lending Small and medium businesses and subsidies. Participation in state procurement;
• Non-financial assistance in the form of free services for the entrepreneurial sector (training, counseling, fairs, the provision of land and premises, etc.).

It seems appropriate to disassemble the key options for state financial assistance.

Labor Exchange Subsidy

This is the most convenient way Getting cheap starting capital. It is relevant for entrepreneurs who have effective business ideas, but do not have means for their implementation.

How to use this option of state support?

1. Stand up in the Regional Employment Center and get the status of the unemployed;
2. Form a high-quality business plan of the future business with detailed calculations financial results and the rationale for the significance of the project (social orientation projects receive approval in 100% of cases);
3. Submit a business plan and an application for consideration by the Commission for Grant Isoicing.

After receiving a positive decision, the entrepreneur registers the company (in the form of IP or LLC), receives state assistance to a bank account, starts activities.

Following the quarter or year, the businessman is obliged to provide in state bodies A report on the fact that the allocated funds were spent by appointment.

Property assistance

In 2020, the property support of the subjects of SMEs by the SME Corporation will be expressed in such events as:

• provision of real estate for rent at preferential rates;
• sale of property values \u200b\u200bby the state at low prices;
• infrastructure formation (business incubators, technoparks, etc.);
• preferential lending;
• free learning the basics of building business, private advice with experts;
• legal and information support;
• ensuring access to procurement;
• other accompanying services (for example, the provision of credit history of the legal entity).

In addition, the site "Portal Business Navigator SME" site has been created on the basis of the Corporation Information Resource. This is a formal free resource for the development of small and medium businesses. Information will help to open and expand your business, provide detailed information on taxes, deductions and methods of earnings. With the help of the resource, you can calculate a business plan, find benefits made by your business, find the best area to open your business, find real estate, check the reliability of counterparties, create a website for your business.

Grants from the state

Grants are a type of gratuitous financial assistance from the state.

They have the right to count:

• Entrepreneurs whose activities in trade or production lasts less than 12 months;
• Businessmen with an ideal credit history that have no debts on tax and other mandatory payments;
• Firms that create new jobs in national economy (especially at the regions level).

In order to become the owner of a grant from the state, an entrepreneur must prove the fact that he did not participate in other programs, did not receive grants and subsidies. And also to learn the basics of business on special courses organized by territorial employment centers.

Lending to SME

Refusal to grants and subsidies - is not at all reason to refuse the idea of \u200b\u200bcreating your own business. Loans to small businesses from SMEs Corporation in 2020 are granted at a rate of from 0% to 9.8% per year.

These conditions for attracting borrowed funds can count:

• Firms developing innovative industries;
• Enterprises in the industry agriculture;
• Environmental tourism enterprises;
• Enterprises employed by import-substituting products;
• Companies that create equipment and mechanisms for the extraction and processing of hydrocarbons.

All of the industry listed above are given such high attention, since they are recognized by the priority directions of the development of the national economy of the Russian Federation.

To obtain a loan, it is necessary with the list of documents to contact the corporation office in your region or MFC. The term of consideration of the application is 10 working days.

Non-state grants for opening a business

Creating your own business should start with the study of the question of receiving gratuitous assistance, which, first of all, grants are. It is allocated non-state funds operating under banks, investment companies and financial and industrial groups.

Grants affect interesting and promising, from a commercial point of view, the industry - agriculture, innovative production.

At the same time, help can be provided in two forms:

1. On the terms of the irrevocable provision of funds, but with the fulfillment of certain requirements.
2. In the form of an interest-free loan, which must be returned after the expiration of a certain period.

In both the first and second case, the grant recipient is determined by the competitive selection conducted by the Special Commission: Participants submit an application and a package of documents with a public offer, describing the goods offered by the company and indicate their cost.

The main difference of grants from non-state funds The state subsidies are that in the first case, the Commission selects promising and cost-effective projects, and in the second - mostly socially significant.

In 2020, those businessmen who plan to implement bold, but quite real and profitable projects can be calculated on grants.

Loans for small business from the state

The state forms and supports special preferential lending programs for SME enterprises. They are usually implemented through a network of partner banks (Sberbank of the Russian Federation, Rosselkhozbank, etc.), in which a part of the interest rate is subsidized from the budget. As a result, novice businessmen can receive borrowed funds for very loyal reasons.

Small business lending in 2020 provides for the discovery of overdrafts, renewable credit lines, single loans to enterprises from priority industries:

• socially significant projects;
• construction firms employed in the field of construction apartment houses economy class;
• projects aimed at import substitution;
• organizations in the field of agriculture;
• production based on the use of ecotechnologies, etc.

There are some more options. state lending (In addition to subsidizing interest rates):

1. Providing gratuitous subsidies to cover the part of the principal amount of the loan or percent on it.
2. Providing state guarantees and guarantees on small and medium-sized loans.

Main feature of small and medium-sized public lending programs - His reimbursable nature.

Borrowed funds sooner or later still have to return the creditor.

However, wishing to receive borrowed funds with state support a lot, because:

• First, rates on such loans are extremely small (0-10%);
• Secondly, preferential programs encompass beginner entrepreneurs who make their first steps on the market and are considered commercial banks In the form of very risky customers.

Lending on general conditions

In addition to all listed lending forms, organizations that do not fall under one of the projects can count on bank lending by general rules. The main conditions will be:

• no tax debt and fees;
• economic activity from 3 months;
• the presence of citizenship for the SP or the share of residents of the Russian Federation in the authorized capital should be more than 80% for legal entities.

Interest rates on loans and additional conditions are regularly changing, therefore, for more information, it is better to directly contact a bank or leave an application on their sites.

Procedure for obtaining a concessional loan

In order to become a participant in the provision of borrowed resources on preferential terms, the entrepreneur will need to make the following actions:

1. In one of the partner banks to choose preferential program for business.
2. Prepare all required package documents and application for attracting borrowed funds.
3. Present paper for consideration by the banking committee.

If it turns out that the borrower has no mortgage property, the borrower can contact the SMEs Corporation to provide guarantee on the loan. The corporation studies business borrower, its prospects, importance for national economy, etc. If the Corporation provides consent to the provision of guarantees, then an agreement is between it, the bank and the borrower.

The conditions for the provision of preferential loans for business in Russian financial and credit institutions are extremely similar to each other - they are distinguished by a small bet, loyal requirements for customers, as well as long-term use of borrowed funds.

Special attention should be paid to programs compensatory loans. They are provided by the state minimum rates In order for small and medium-sized businesses to repay their debts to commercial banks.

It is worth adding that in 2020 the program of gratuitous financial assistance for small and medium-sized businesses in Russia will cover enterprises of innovation industries, agriculture, creating goods of essentials and import-substituting products. The remaining firms should be immediately focused on preferential loans.

• most programs are implemented at the regional level and possess their specific conditions (for example, the entire loan amount or only its separate part may be covered by sureties;
• it is important to devote special attention preparation of documents - most often this depends on the positive decision on the issue of providing assistance;
• attracting grants and loans across the labor exchange, it is important to really evaluate your capabilities in the matter of effective expenditure of funds and obtain a positive result.

Today there is a direct financing of individual entrepreneurship at the expense of the state. To support small businesses in 2020, several state programs were developed, whose goal is to assist IP. Many of the projects have been actively active for several years, others have just started their development.

Small Business Support System in the Russian Federation

The most common practice is compensation of the interest rate for a loan. Suppose the company attracted funds to finance its current activities under 15% per annum. The refinancing rate is currently 7.75% per annum. The state can compensate for up to 3/4 from the refinancing rate, or up to 6% per annum. Thus, the enterprise will pay for the loan by 15% per year, and only 9%. After all, 6% compensates for him.

Support for small entrepreneurship in 2020 - measure is very good and attractive. But she has two problematic issues. First, not every small enterprise is credited, especially now, when the policy of banks in terms of the provision of funds has tightened. Secondly, to obtain compensation, it is necessary to collect a fairly voluminous package of documents, which will not go any small enterprise. Often the small business accounting is carried out on outsourcing, so it is not completely obvious who will form the necessary package of documents. Nevertheless, this measure works in all regions and is the most popular.

Who provides support for small entrepreneurship in 2020?

Currently, state support measures for small businesses are governed by a number of specialized regulations of both regional and federal importance. The existing small business support system in 2020 includes commercial and non-commercial financial institutionsacting as a kind of mediator between the IP and state authorities:

• private banking and credit institutions,
• investment and venture funds,
• private and public business schools,
• non-profit partnerships and public organizations.

The efforts of the legislative power system of interactions of all links of this chain is increasingly simplified, and the interaction itself becomes more efficient and affordable.

Two other state support tools implements the support and development of entrepreneurship, which exists on each territory and is created on the basis of the Federal Target Program for the establishment of the support infrastructure and the development of small and medium-sized businesses. The first tool from their number is microcredit. Depending on the economic situation in the region, the support and development of entrepreneurship issues loans to enterprises without collateral, under promising projects or to finance current activities.

The third tool for state support for small businesses in 2020 is the guarantee of the Foundation for Support and Entrepreneurship Development. With insufficient or quality of collateral, a small enterprise can contact the support and development of entrepreneurship. This organization will consider the application and, if a positive decision takes a positive decision, make an agreement of the guarantee with the bank. As a result, the company does not need to look for a pledge for financing, everything can be done faster and easier.

Thus, small businesses have enough opportunities to receive state support for lending. In fact, a small enterprise can quickly involve cash in low interest rate Taking into account the subsidy. This allows enterprises to earn additional profits and use it for further investment in development.

What kind of help can count the entrepreneur?

According to the current legislation, each citizen who passed the official registration procedure as an IP or founder of LLC may expect to support state support. Receive material assistance In the form of subsidies, a young business can, from the moment of registration of which has not passed more than two years.

The size state subsidy It is calculated from a number of objective and subjective reasons, in particular, depending on the region in which business was conducted. For example, for Moscow entrepreneurs, the maximum subsidy size equals 500,000 rubles, while in most subjects this indicator does not exceed 300 thousand.

Among the measures for state support for small businesses can be noted free programs Professional formations that will help beginner entrepreneurs to gain knowledge and skills for business. An interesting proposal operating in some regions is preferential conditions Rental municipal property For small business representatives.