Subsidy for opening a sole proprietorship from the employment center. Subsidy for starting your own business: how to get money from the state when opening an individual entrepreneur and LLC

The easiest way to legal business in our country is. But in order to start your own business, you definitely need start-up capital. If you do not have your own savings, you can borrow money from friends and relatives, or apply to a bank for a loan, or seek help from an employment center at your place of residence. Our state takes care of its citizens and provides assistance and assistance in opening own business in the form of a one-time payment of a certain amount of money. Today we will look at what this amount is and how to get it.

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As part of state program RF "Help for Starting Entrepreneurs" the employment center provides citizens with financial assistance in starting their own business (). This is beneficial for the state, because in this way, firstly, the number of unemployed decreases, and secondly, having achieved any success, will pay to the treasury. However, as statistics show, only 2% of the unemployed apply for this assistance.

Who can count on help from the employment center

• persons over the age of 18;
• persons who have registered with the employment center and are in the status of unemployed;
• persons who have been registered with the employment center for more than 1 month, and who have not been able to find a job due to the lack of a suitable job.

Along with this, it would be advisable to consider in what cases and to whom this financial support will not be provided:

• women on maternity leave;
• minor citizens of the Russian Federation;
• citizens who have reached retirement age;
• students of the day department of an educational institution;
• persons working under an employment contract;
• persons registered as individual entrepreneurs or LLCs (at least half a year must pass from the moment of closing);
• convicted, dismissed from work by a court sentence, who are subject to imprisonment or other punishment;
• certain categories of military persons;
• persons dismissed from work due to repeated violations labor discipline(absence from work or drunkenness, theft of property, absenteeism, inappropriate performance of work duties);
• persons registered with the employment center, but who refused two or more offered jobs within 10 days from the date of registration;
• persons who regularly violate and do not comply with the requirements of the employment service (violation of the registration deadlines, ignoring the proposed job options and failure to appear for an interview).

IMPORTANT: Financial assistance in starting your own business is provided in the form of a cash payment in the amount of the amount of unemployment benefits for one year.

What is the help of the employment center

Note that financial support is provided on the basis of federal program support for small and medium-sized businesses (for 2005-2020), the Law "On state support small business in the Russian Federation” dated June 14, 1995 No. 88-FZ and other legislative acts. So, how can the employment center help you?

• Firstly, if all the conditions and requirements are met, a certain amount of money will be paid when registering your own business. Its amount will depend on the amount of the assigned allowance based on the length of service and wages at your last job. On average, entrepreneurs received up to 58 thousand rubles for their own business.
• Secondly, in some cases, the amount spent on various stages registering your business. For example, the amount paid in quality can be returned, notary services can be compensated, as well as funds spent on the purchase of forms, legal advice, etc. can be reimbursed.
• Thirdly, in the employment center, a novice entrepreneur will be consulted on all the main legal issues of starting a business, they will be given the opportunity to attend business trainings, they will help with the preparation of a business plan and sometimes even with renting a room, the fee for which will be below average. market value by your region.

How to get a subsidy for starting a sole proprietorship

First of all, as noted above, you must register for unemployment. To do this, you need to collect documents and come to the employment center. Need:

This article talks about typical ways to resolve legal issues, but each case is individual. If you want to know how to solve your particular problem - contact our consultant for FREE!

• the passport;
• SNILS;
• employment history;
• education document;
• certificate from the last place of work on income for the last three months.

A specific list of documents for your region can be found by calling the employment center at the place of residence.

IMPORTANT: registration for unemployment may be denied to persons who do not work for disrespectful reasons over 5 years. After all, if a person has found funds for living within 5 years, he will be able to provide for himself in the future.

1. We are writing an application for unemployment benefits.
2. We turn for advice to a specialist of the employment center. He will tell you everything and put you up to date.
3. We are writing an application to confirm your desire to open your own business.
4. We're going through testing.
5. We develop a business plan. Writing a business plan is not an easy task that requires certain skills and knowledge. There are two options:
   • Seek help from experts and draw up a business plan. The fee for such a service is on average 5 - 20 thousand rubles.
   • Explore for yourself the right materials on the Internet, go to business trainings and develop a business plan on your own.

   Whichever option you choose, consider the criteria that must be met good business plan in the eyes of the commission of the employment center, which will consider your idea.

   • Innovation and originality of the business idea. Such a business plan will attract more attention than the hundredth grocery store on Lenina Avenue, and will have a much better chance of being approved;
   • Profitability. There is no point in a business if it is unprofitable;
   • Hiring employees. If your business plan involves hiring workers, it will carry a lot of weight, because the purpose of the employment center is employment of the population. And you yourself find a job, you also help others;
   • initial capital. Opening a business only with the money that the employment center offers as assistance will not work. You also need to invest your own money. The ratio should be approximately 1:2 or even 1:3. If you plan to receive 58 thousand rubles from the state, while investing your own 10 thousand rubles, you will most likely be denied a subsidy.
   • Expenses. It is important for the state that the allocated money be spent wisely. In the business plan, it is recommended to prescribe the cost of the subsidy for the purchase of fixed assets: appliances, furniture, transport, and not for rent or advertising.
6. We submit documents for obtaining a subsidy to the employment center (application and business plan). Documents are considered special commission. Professionals evaluate your entrepreneurial ability and analyze your business plan. The decision to grant a subsidy is made by the director of the employment center based on the findings of the commission. His decision is issued by order. In general, it takes no more than 10 business days to make a decision.
7. If approved, the employment center notifies you of its decision, and you conclude an agreement for the transfer of the subsidy.

   IMPORTANT: you cannot register an individual entrepreneur or LLC before concluding an agreement with the employment center on the provision of subsidies for small businesses.

8. We register an individual entrepreneur or LLC. .
9. Provide the employment center with documents on registration of individual entrepreneurs and reporting documentation on all expenses (that is, what the money transferred by the state was spent on). Checks, service contracts, invoices and other papers are suitable as evidence.

Thus, in order to receive assistance from the state in the form of a subsidy for your own business, you must provide a good business plan based on a quality original idea. Employment center specialists are happy to consider and more often make a positive decision regarding ideas in the service or production sector. It is desirable that the business plan provides for the availability of additional jobs and the presence of your own initial capital at least in an amount equal to the assistance provided.

The amount of 58 thousand rubles may seem small to someone, but early stages creating your small business they can be a significant support.

Subsidies are payments, money that the state can give you to develop your business, which will not need to be returned.

Subsidies can be paid from the local budget, funds, third-party states.

What if you want to start your own small business but don't have the money to do so? There is a cool idea, but just as you were going to become a businessman, the bank did not approve your loan. There is an option to ask the state for money - to apply for a subsidy. We will tell you how to do it today.

Within the territory of Russian Federation state financial assistance is provided for the development and support of small businesses.

Subsidies. For what? From whom? When?

For small businesses, a subsidy can be provided for such purposes as:

• Purchase and lease of premises
• Acquisition necessary equipment or goods for further sale
• Acquisition of intangible assets

The money allocated by the state should be directed to the promotion of their small business and implementation for the purposes that will be indicated in the request itself. This will be checked, save all reports, so that later they can be provided as proof that public funds were used for their intended purpose.

In the absence of reporting, the entrepreneur will be subject to administrative or criminal liability.

There are six grant programs

Each program has its own conditions and criteria.

Program "Umnik"

Suitable for entrepreneurs from 18 to 30 years old. They are eligible to receive financial assistance in the amount of 500,000 rubles. The umnik program is designed for young entrepreneurs who will carry out their activities in the field of innovation and innovative technologies.

Program "Start"

Providing assistance to innovators who seek to develop and establish the production of a new product in any field based on the results of scientific and technical research.

The program works on the principle of private public cooperation - subsidies can be obtained not only from the state, but also from a private investor. The first year of financing takes place by the state, the second by the investor. Under this program, an investor can claim up to 5 million rubles, which he will receive in several stages, where the state is ready to allocate half.

Development program

It is possible to receive up to 15 million rubles.

These funds are allocated for:

• Production improvement
• Creation of new jobs
• Modernization of production equipment

Program "Cooperation"

Support for subsidies up to 20 million rubles

The funds are aimed at:

• Improvement of production capacities
• Development, establishment, cooperation of small business with large industrial organizations of our country.

Program "Internationalization"

Has no ceiling restrictions. Destined to help young entrepreneur establish international cooperation with foreign partners. Support consists in the development of non-target export-oriented products. Not raw material export.

Commercialization program

How the financing program supports both small businesses in expanding their capacities and, as a result, increasing jobs. The amount is individual.

What documents need to be collected? And where to apply?

Usually this is the Employment Center, sometimes these are funds that oversee specific programs, find out in your region.

Getting a subsidy for an entrepreneur is a long process. You will not receive money the next day.

Register your status as unemployed:

• Do not have a formal job
• Lack of entrepreneurial status

Contact the employment center in the region of your residence and register. Prepare documents:

1. Passport + passport copy
2. Diploma - certificate of education
3. Original certificate of pension insurance
4. Help 2NDFL in the last place of work

When registering, you should indicate that there is a desire to open a small business and man applying for a subsidy for its further development. You must also bring a business plan.

Relevance of business in the region

The business plan should spell out the relevance of the business in a given region, city or district, based on which the commission will make decisions.

How to correctly prepare a business plan (using the example of a store) read in the article -

After the transfer of the business plan, a date will be set for the commission on your issue. During the meeting, the commission asks the necessary questions and the applicant argues why exactly your business plan should receive financial support. As a result, a decision will be made to refuse or provide financial assistance.

There are a number of points in obtaining a subsidy

They won’t give money just like that - there will be conditions. Each city, region has a number of conditions that must be met.

Each employment center has people who need to be placed in a job, let's say to place three people, one of whom will be disabled. Calculate the cost of maintaining additional jobs in advance.

Compliance with the set conditions will be monitored, inspectors or commissions will come, they will check reporting documents, they will contact employees to clarify their activity.

No one will press and press, but there will be verifications.

You will need to submit reports yourself, they will give you a list necessary documents and forms of submission. It is not difficult, the main thing is not to miss the reporting date.

After approval of the provision of subsidies, you need to open an individual entrepreneur, open a bank account, provide details and tax registration documents to the employment center. The money will then be transferred to your account.

Let's return to the topic of relevance. Here's a flyer for you.

Each region or city has its own requirements for the development of specific areas of its business. For example, at the World Cup in St. Petersburg and other cities where matches were held, they willingly subsidized the opening of hostels or hotels and catering facilities.

In the employment center it is worth asking what the city has needs.

The process is not fast, but having received the money once, you can apply again, because there are six programs, start from the first!

The article is useful for those who want to become a businessman, but do not know what to do)

FROM Best wishes FoxTop team

Russia is becoming more and more attractive for doing business every year. In the World Bank's Doing Business ranking, the country ranks 35th among countries that create a favorable climate for launching and developing projects. In turn, Moscow was ranked second in terms of investment attractiveness in the national rating and fifth among European cities according to the international edition of the Financial Times.

A significant contribution to the development of the investment environment is made by both targeted programs government funding, and programs to help small businesses. IN this material we will tell you step by step about what support Moscow offers today to entrepreneurs for starting, running and developing their business:

Step 1. Registration. Consultations. Education. Choose one of the 15 Business Service Centers (TSUB), which are located in all districts of the capital and operate on the basis of the State Budgetary Institution "Small Business of Moscow". All services are provided free of charge. CUB specialists will help prepare documents for registration as an individual entrepreneur (IP) or in the form of a company with limited liability(OOO). In 2017 alone, consulting support was provided to more than 80,000 people. Aspiring entrepreneurs will be offered training at the MBM Startup School. You can also learn the basics of starting and developing your own business from successful entrepreneurs and professional business coaches online - at the MBM Online Academy. There are two training programs available at the Academy - Start and Progress. The content of the training program is based on the best business practices and case studies that are relevant in business.

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

Step 2. Choose a premise for doing business. The staff of the center will help you get acquainted with the various options and tell you about the lease on preferential terms of non-residential premises owned by the city of Moscow. To date, the initial preferential rental rate for such premises is 4.5 thousand rubles per sq. m. m per year and 1 thousand rubles per 1 sq. m. m per year for premises located in the basement. The Central Department Store will help with information about the availability of vacant premises in city technology parks. There are more than 30 technoparks with various industry specializations in the capital. In addition, if at the beginning of your business path you do not need large areas, you can get workplace in one of the six coworking centers of the State Budgetary Institution "Small Business of Moscow".

Step 3. Decide on funding. The specialists of the Central Bank of Ukraine will advise on the sources of business financing at different stages of its development, will invite entrepreneurs to visit special educational programs and events where representatives financial institutions. From the side of the city today are carried out the following types financial support, all details on them will be provided to the CUB:

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

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

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

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

Which entrepreneurs can count on help from the state?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Money from the Job Center

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

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

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

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

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

Grants for new businessmen

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

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

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

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

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

The entrepreneur must provide the following documents:

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

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

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

Subsidy Program

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

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

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

Concessional lending

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

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

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

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

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

What can government money be used for?

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

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

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

Intangible Small Business Support Options

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

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

Summing up

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

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

Many people are unable to start their own business due to lack of start-up capital. This is a serious barrier that prevents novice entrepreneurs from realizing their plans. In this case, state financial support becomes a good help. You will learn how to get a subsidy from the state for small businesses in 2020 from this article.

Types of subsidies

First of all, it should be noted that a subsidy to small businesses from the state is not a loan, and not a loan. The entrepreneur receives money free of charge, but only on condition that he spends it for its intended purpose.

If you want to receive a business subsidy from the state, you need to draw up in advance detailed plan actions, as well as calculate possible costs and future profits. All items of expenditure should be described in as much detail as possible. In this case, officials will clearly understand what you want to spend money on and, most likely, will make a positive decision. After individual entrepreneur spend money, he must report for them to the regulatory authorities. The report must be accompanied by documents that confirm their intended spending.

Government programs to support small businesses are a great option for those who do not know.

They may have different purposes:

• Training of employees on courses;
• Loan payments;
• For rental payments;
• Updates to fixed assets;
• Grants for the implementation of the business plan;
• For patenting.

Distribution Money by regions is carried out on a competitive basis. The list of events aimed at supporting start-up businessmen is expanding every year.

The types of subsidies are established by each subject of the Russian Federation individually.

State aid can be of the following types:

• Starting your own business - 60 thousand rubles;
• Support for entrepreneurs - 25 thousand rubles;
• Assistance to start a business for an entrepreneur who is disabled, unemployed or the only parent of a minor child - 300 thousand rubles.

The subsidy is issued not only for opening, but also for business development. In addition to financial support, you can also receive other types of state assistance:

• Rental of commercial real estate, special equipment or land plots at low rates, and in some cases even for free;
• Preferential bank loans;
• Subsidizing fixed assets for the purchase of equipment or machinery on lease.

The start-up entrepreneurship support funds employ specialists who provide free legal support businesses and help with bookkeeping.

How to get help?

To get money to start a business from the state in 2020, you need to go through a difficult and long way. According to the law, any unemployed person who is registered with the employment center can apply for such assistance. To do this, you need to provide a ready-made business plan. It should indicate the type of activity, information about production equipment and technologies, suppliers of raw materials, and so on. It is also necessary to calculate the approximate cost of the project, taking into account the state subsidy and equity.

If you have high hopes for this money, you should carefully prepare from all sides. Initially, the business plan is considered by an expert commission, which gives it professional assessment. If your proposal does not look strong enough or illiterate, most likely you will be rejected. Therefore, before submitting an application, you need to make sure that your project has no vulnerabilities:

• Sphere. It is best to start a business in a manufacturing or innovative industry;
• Facilities. Indicate in the application what you want to spend the subsidy on;
• Workplaces. If you plan to hire 5 workers, this will give you certain advantages;
• Qualification. If your team has at least 3 years of experience in the chosen industry, you will receive additional points during the assessment.

After you hand over all the documents to the department for promoting self-employment of citizens at the employment center, you need to open an account to which the state subsidy for the development of small businesses will be transferred. If your plan is approved, you can register with tax office. You will spend no more than five days on registering an IP. After receiving the certificate, you need to submit the following package of documents to the employment center:

• The passport;
• Business plan;
• Application for assistance.

These documents are needed to conclude an agreement between the state and the entrepreneur. Financial aid will be transferred to your account within a month from the date of signing the contract.

Reasons for refusing financial assistance

Let's figure out how to get money for business from the state for free in 2020 and at the same time avoid refusal. The most common reason why a subsidy may be refused is the inconsistency of the business plan with the areas of activity, the development of which is a priority for the state. Therefore, if you have not decided yet, pay special attention to the following areas:

• Agriculture;
• Innovation sphere;
• Education;
• The medicine;
• Tourism.

There are certain areas of activity that are not subject to subsidies:

• Gambling business;
• Banking services;
• Insurance;
• Issuance of loans.

If a person asks for too much money, public service can significantly reduce it or refuse to provide assistance. The fund, which is engaged in the issuance of subsidies, makes a decision within 6 months from the date of application. Therefore, if you really need financial support, apply to several different funds at the same time.

Another common reason for refusing to receive a subsidy from the state for starting a small business is a dubious, weak project, which raises many questions when considering it. Members of the commission, before making a positive decision, must make sure that the documents issued to you financial resources will be used strictly for their intended purpose. It should also be remembered that the state does not finance projects that will be implemented outside our country. An unemployed person who has already received a subsidy may also no longer rely on state support.

Before you apply for a subsidy, you must first find out in order to choose the right direction of activity. After that, carefully develop a business plan and collect all the necessary documents.

Features of obtaining a subsidy

The main feature of small business subsidies from the state in 2020 is that you do not have to return the money received, since they are given out free of charge. But the state should receive in return new jobs at a small enterprise and another strong cell in the economy.

An entrepreneur who signs a subsidy agreement must understand that by doing so he assumes certain obligations. The most important of them is the provision of reports with documentary evidence of the intended use of the subsidy. The report must be submitted to the tax office within 3 months after receiving financial assistance.

As confirmation, you can use:

• Paid payment orders;
• checks;
• Receipts and any other payment documents.

The report must fully comply with all points ready business plan. If the entrepreneur cannot fully or partially confirm the intended use of funds, he will have to return all the money in full. There is one more small nuance in the terms of the agreement, which excludes the appearance of one-day firms opened for public money. By agreement, the entrepreneur who received the subsidy must work for at least 1 year.

Before you receive money for the development of small businesses from the state in 2020, you need to familiarize yourself with all the features of the issuance of subsidies in order to avoid problems in the future.

Video: how to get a business subsidy?

What can the subsidy be spent on?

Public money should be used only for its intended purpose. An entrepreneur who has received a subsidy must account for every penny. To understand where finances can be used, before receiving money from the state for business development in 2020, you need to carefully study the terms of the contract.

So what can you spend money on?

1. Purchase of equipment. It is put on the balance sheet for 3 years, so you do not have the right to sell or donate equipment during this period;
2. No more than 20% of the total amount can be spent on renting an office or production premises;
3. Purchase of licensed software;
4. Obtaining the necessary licenses;
5. Purchase of consumables and raw materials (20% of the total).

Before you apply for government assistance, decide to correctly allocate cash flows.

How to draw up a business plan for obtaining a subsidy?

Developing a business plan is very important point to which special attention should be paid. If you are sure that your idea is this, you need to convince the officials who decide on the issuance of state aid.

Consider the main principles of drawing up a business plan:

• Try to express your thoughts simply and clearly, without specific terms;
• Use as many exact numbers as possible. If you want to get 2 million rubles in profit in the first year of operation, indicate in the business plan how you can achieve this;
• The project must contain a clear development strategy. Describe the intended distribution channels, projected demand for products, etc. Also, do not forget to indicate how much money you plan to spend on the implementation of the idea;
• A well-designed action plan is the easiest way to get a business subsidy from the state.

Don't forget that the money received as part of the subsidy must be spent within one year. If your company goes bankrupt for some reason, you will be forced to return all the funds spent.

conclusions

To get money to start a business from the state, you will have to overcome certain difficulties. Therefore, many novice businessmen do not believe in the reality of such programs. If you have a desire, you can try to get a subsidy to cover at least part of the costs. In addition, if you do everything right, you will not have to return the funds received from the state, since they are issued free of charge.