Labor exchange opening a business. How to get a business grant. Is there a catch, or why the state "gives" money to novice businessmen

04.12.18 88 089 31

And open your own business at the expense of the state

In October 2017, I received 98,000 rubles of subsidies from the employment center to start a small business.

Ksenia Pelipenko

received from the state financial support of 98,000 R for business

In this amount, subsidies to small businesses are paid in the Crimea. In Moscow and other cities, the amount of subsidies may be less or more. This is not a loan or a loan, but a program of state financial support for the constituent entities of the Russian Federation. I spent the development funds correctly, submitted the financial report and pay taxes on the business, so I don’t have to return anything.

Here's what you need to do to get a one-time state subsidy small business in your city if you are unemployed, of legal age, not studying or serving.

What kind of financial support are we talking about?

The state fights unemployment in the subjects in different ways, including helping the unemployed to become entrepreneurs with the help of subsidies. This is called state support for entrepreneurial initiatives in the regions. The development of specific programs for subsidizing small businesses in the constituent entities of the Russian Federation is carried out by regional authorities.

In different subjects, state support programs differ slightly - in most cases, only in the amount of subsidy for starting a business. For example, in cities Kursk region they give 74,000 R for business development, and in Tyumenskaya - 24 maximum unemployment benefits, that is, 120,000 R. Information on the amount and procedure for providing support in your subject can be clarified at the employment center.

In Crimea, the state subsidy for starting a business is 20 maximum unemployment benefits. In 2017, the amount of support in my city was 98,000 R. That is the amount of subsidies they gave me to develop my business.

Register at the job center

I applied at the employment center in mid-June 2017. I was warned that the support program for my region for this year has not yet been launched: state funding will be available only by autumn.

At this stage, questions were asked about what kind of business I want to open. The state is not ready to give a subsidy to all small business projects: for example, the city does not need another tobacco stall or a beer store. My idea - an online store of goods for children's art - was useful for the region and met with unconditional support.

I had documents for registration for unemployment with me, so I decided not to wait for September and give up right away. It took half an hour to complete the application, and after 10 days I officially became unemployed. I also received the right to state subsidies when opening an individual entrepreneur and began to receive a small financial assistance - unemployment benefits in the amount of 850 rubles per month.

By the end of the summer, I regretted that I had registered in advance. While I was waiting for a grant to start my business, every two weeks I was given three referrals for an interview. I had to run around the city to keep my unemployment status in order to participate in the program. I convinced different employers 12 times to refuse me for any reason at least - this is not the most pleasant experience.

Therefore, you should not apply for registration if the funds for subsidizing small businesses have not yet arrived, and you do not have time to follow directions from the employment center. Ask a staff member to tell you about the admission public funds for subsidies in your subject - most likely, you will not be refused.

At the end of August, a state support program was launched in my city. I was asked to fill out an application for a small business grant from the government, and the job search ended.

Take a course on the basics of entrepreneurship

Everyone who wanted to receive government subsidies to start their own business was sent to courses on the basics of entrepreneurial activity. In 2017, there were 9 people on my stream.

Courses for entrepreneurs turned out to be paid - 2815 rubles, but tuition fees are included in the state support program for subjects. I have entered into a tripartite agreement to provide educational services with the employment center and the educational center and in early September went to study.

To receive government support, we prepared business plans and practiced answering questions from an imaginary commission. By the end of the training, each entrepreneur in the group had finished project your future business. We wrote them without the help of teachers.

On the last day of the course, we passed a simple exam: everyone answered questions about the payback of their business and the chosen taxation system. As a result, we received crusts on the passage of courses for entrepreneurs.

Coordinate and submit a business plan to the employment center

At the employment center, we were given a leaflet with the format of the title page and the recommended structure of the business plan. We didn't have strict volume requirements. To qualify for support in your region, it was important to disclose:

1. The demand for products or services in the city, region.
2. Competitiveness.
3. The timing of the project.
4. Number of jobs created (if any).
5. Financial indicators and expected economic effect.
6. Ensuring the safety of working conditions.

In my project of an online store of goods for children's creativity, there were only 20 pages.

I handed over the finished business plan to the employment center in order to get access to protection. It was not possible to just take it and forget it: the business project was returned for revision twice. I rewrote the section on labor protection and corrected errors in the design.

In parallel with the preparation of the business plan, I was tested at the employment center. The psychologist determined whether I had entrepreneurial abilities and whether I had chosen the right business as a field of activity. The conclusion of a specialist can be taken as a recommendation - the test results do not affect the provision of state subsidies for small businesses.

It is better to write a business plan yourself, rather than download a ready-made one from the Internet. Firstly, it is not difficult: the employment center will give a memo, explain everything and help correct mistakes. Secondly, this is additional support: on defense, you will look confident when answering questions from the commission.

Protect the business plan

On September 26, our group was assigned the defense of business plans. Whether to give a subsidy to small businesses was decided by our teacher from the courses, an employee of the tax office and several people from the employment center.

10 minutes were allocated for the presentation of each project. This time was enough to talk about the essence of my future business and how I plan to act when I receive a subsidy to open it. The commission asked only one financial question - how am I going to calculate taxes.

The defense turned out to be not like an exam, but like a presentation of a business project for investors in the region. There were no strict regulations for the speech - everyone simply retelled their business plan. A guy from our group decided to enlist the support of the commission and treated them to fruit, which he planned to sell to the residents of the city.

When we defended ourselves, the chairman of the commission announced the decision: everyone receives subsidies for the development of small businesses. In general, it was not difficult to fight for state support: protection thesis I found it much scarier at university.

Register a sole trader and open an account

Before you receive a subsidy from the state for opening and running a business, you need to register an individual entrepreneur, LLC or farming. I chose an individual entrepreneur and prepared all the necessary documents to participate in the business development program:

1. Application for registration of IP in the form No. P21001.
2. Passport copy.
3. Notification of the transition of business to the simplified tax system.
4. Receipt of payment of a fee of 800 rubles for registration of IP.

When opening an IP, you need to choose the type of activity that you will be engaged in. For this, there is OKVED - all-Russian classifier species economic activity. An entrepreneur can combine several types of activities, but the main one must be the one that brings the most income.

I immediately secured myself in case I got tired of trading in a couple of years: in addition to the main OKVED - “Internet trading”, I registered several more activities that are related to website development, writing and information services.

In the end, it came in handy for me. In the spring of 2018, I closed my online store, and I didn’t have to re-register anything with the tax office - a year later I just switched to the new kind activities.

I handed over all the papers to the tax office at the place of residence and after 5 days I became an individual entrepreneur. At the stage of submitting documents, there were no difficulties: before, they helped me at the employment center, and now - at the tax office. In vain I prepared for bureaucracy and angry faces.

I was worried that I would do something wrong, and therefore contacted the tax office personally. In fact, you can register as an individual entrepreneur on the website of public services. There it will take 3 working days and will cost 560 rubles.

I also ordered a print for myself. By law, an entrepreneur can do without it, but it seemed to me that stamping documents is much easier than explaining that you don’t have anything yet.

The last important thing in starting a business was the opening of a current account. Generally, individual entrepreneur can work without it and pay in cash, but it is more convenient with an account. The bank asked me for a passport, TIN and a record sheet from the USRIP, which confirms that I have registered an individual entrepreneur. The procedure took 20 minutes. I left the branch with the details of the current account, a corporate card linked to the account and access to my personal account in the Internet bank.

In order to compensate for the costs of registering an individual entrepreneur at the employment center, you need to keep a receipt for payment of the fee, a receipt for the purchase of a seal and an act of work performed for its manufacture.

Get money on the Mir card

I took a copy of the entry sheet from the USRIP to the employment center - this is a document that confirms that I have registered an IP. In order to compensate for my expenses when receiving a subsidy for starting a business, along with this copy, I gave the original receipt for the payment of the fee for registering an individual entrepreneur, a check for printing and an act of work performed.

The last document that I was asked to submit to the employment center was the details of the Mir card, to which I would receive a subsidy for starting a business. I already had a card - I got it to receive unemployment benefits, and I took the details in 5 minutes at the bank.

98 000 R

I received from the employment center to open my own business

I signed an agreement with the employment center on the provision of subsidies for the development of small businesses on October 9th. On October 10, I received an SMS about the transfer of a subsidy in the amount of 98,000 R, and already on October 11 I received compensation for printing and duty.

Getting funds is not the end of the story. The subsidy must not only be received, but also managed not to return it. So that a subsidy for starting and running a business is not demanded back, you need to report to the state for spending funds and keep the IP.

Map "Mir"

Small businesses will not be able to get a subsidy for Visa or MasterCard. According to Article 30.5 of the Federal Law "On the National Payment System", payments from the state budget must be credited to bank accounts using national payment instruments, that is, the Mir card.

At the employment center, they immediately told me that for a subsidy to small businesses, it was the Mir card that was needed. Those are the terms of the contract.

Account for targeted spending

Under the terms of the subsidy agreement, the entrepreneur has 90 days to spend the money received and confirm the spending with original documents. I could only spend the subsidy on opening a small business as indicated in the business plan. If she wrote that financial assistance is needed to purchase goods and a cash register, then it is impossible to pay rent or equipment.

The purchase of goods for children's art and the collection of documents caused me to panic. Suddenly, I found out that the end of October for suppliers in any region is already the pre-New Year period, so the processing of applications is delayed, some items are out of stock, and all this pops up when you unpack the package with the order.

3.5 weeks before the deadline for the report, I finally spent the entire amount of the subsidy on starting and running a business and went to the employment center. I took with me:

1. Contracts with suppliers.
2. invoices issued to me.
3. Money orders.
4. Sales receipts, because some things I bought for cash.
5. Invoices for goods.
6. Act of completed work on setting up the cash register.

After checking, they did not accept documents from me that confirmed expenses for 20,000 rubles: for two orders from one supplier, the amounts in the invoices did not match the amounts in the invoices. For the first time, the supplier did not report the goods for 200 R and therefore invoiced for 200 R less for the second time. I didn't think it would be a problem.

I asked the supplier for a reconciliation report, from which it was clear that in the end I received the goods for exactly the amount paid. The act did not save the situation, because it is not included in the list of documents that the employment center accepts. Thanks to the supplier who urgently redid and sent me invoices with the required amounts - the same as in the invoices.

On December 25, I submitted the corrected documents and received an act of fulfillment of obligations, which confirms that the employment center has no claims against me for a subsidy for small business. It was scary: if the supplier had not redone the documents, I would have had to return all the funds - that is, 98,000 rubles of subsidy, which I had already spent.

What to do so that there are no problems with the report

Here are some things to keep in mind so that there are no problems with the small business grant report:

1. Spend the subsidy immediately - 90 days fly by unnoticed.
2. Spend funds strictly on what is indicated in the business plan, unforeseen expenses - only at your own expense.
3. Pay for goods and services only from the current account and to the current account, do not pay in cash.
4. Always sign a contract.
5. Submit documents to the employment center immediately after spending the amount of the subsidy for the development of small businesses. If a mistake is found in the papers, there will be time to sort it out.

Remain an individual entrepreneur and pay taxes throughout the year

The last condition of the contract that I had to fulfill was not to close the IP within a year from the date of granting a subsidy for starting a small business and pay all taxes and fees on time. I didn't have any problems with this.

I automatically calculate business contributions and taxes using a special service. All I have to do is click on the "Pay" button. personal account and confirm the payment in the bank. You don’t need to track payment terms yourself: I control them using SMS alerts.

In the course of my entrepreneurial activity, I realized that I was not interested in trading. It became clear that the most thrill was in the development process: to create an online store website, set up SMS alerts and connect an online cash register. I did not like to give change and communicate with customers. So after a year, I closed down my kids art store and started working as a sole trader with clients who needed help with websites.

Despite the fact that I changed the scope of business, I am not going to close the IP. From the whole story, I had positive impressions. Employees of the employment center and the tax office helped prepare documents for obtaining subsidies and understand the procedure for starting a small business, answered questions in unclear situations.

What to do to start a business at the expense of the state

1. Apply for registration at the employment center.
2. Complete entrepreneurship courses and final testing.
3. Write a business plan and defend it for commission.
4. Register IP.

The easiest way to legal business in our country is. But in order to start your own business, you 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.

Page content

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 of labor discipline (absence from work or appearing drunk, 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 aid in starting your own business is 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

It should be noted that financial support is provided on the basis of the Federal Program for Supporting Small and Medium Businesses (for 2005-2020), the Law “On State Support for Small Businesses in 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 seniority 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 at various stages of registering your case can be compensated. 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 advised 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 lower than the average market value in 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: Unemployment registration may be denied to persons who have not been working for disrespectful reasons for more than 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.
   • Study the most necessary materials on the Internet, go to business trainings and develop a business plan on your own.

   Whichever option you choose, consider the criteria that a good business plan must meet in the eyes of the employment center commission that 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 a subsidy to the employment center (application and business plan). Documents are considered by a 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 availability 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 at the initial stages of creating your own small business they can be a significant support.

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

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

Which entrepreneurs can count on help from the state?

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

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

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

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

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

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

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

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

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

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

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

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

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

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

• City administration. The Department of Economic Development provides information on the types of financial support for small businesses.
• Chamber of Commerce and Industry. This institution provides assistance in consulting on business, marketing, legal law, it helps to take part in exhibitions.
• Entrepreneurship Support Fund. Based on the results of the mandatory assessment of the submitted project, the organization allocates finance for the activities of a small enterprise.
• Business incubator. This organization is engaged in infrastructural support of the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
• Venture fund. Focuses mainly on innovative projects, further 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 With 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 reviewed 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, tobacco products, luxury goods, work with real estate or engage in gambling activities do not receive payments.

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

The entrepreneur must provide the following documents:

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

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

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

Subsidy Program

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

1. Federal programs. They are implemented throughout the country, and they are also characterized by a large amount of allocated money for financial support for the opening and development of SMEs. A distinctive feature is that such programs work mainly with large-scale business projects, whose owners are already engaged in commercial activities.
2. Regional programs. They work in areas administrative regions and manage 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 designated 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. The prerequisite is competitive selection to identify a suitable candidate. The winner is allocated extra help 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 for receiving compensation for small businesses: an application, an agreement with the organizers and a report on the work performed.

Summing up

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

On the other hand, the conclusion of an agreement with the relevant 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.

Evgeny Smirnov

bsadsensedynamick

# Business plans

Subsidy from the labor exchange

If you want to open an alcohol store, a pawnshop, a microcredit service, and the like, you should not count on the help of the Employment Center.

Article navigation

• Business plan form
• Protection of the business plan at the Employment Center
• Sample Business Plan for a Grant
• Barber shop business plan
• Freight business plan
• Business plan for a manicure parlor with calculations

A subsidy from the Employment Center allows you to receive up to 300 thousand rubles to open your own business. To do this, you must meet a number of conditions, as well as draw up a competent business plan. It is on its basis that a decision is made - to give you money or not. This money is gratuitous financial assistance that does not need to be returned, even if nothing works out with the business. And since the state does not like to give money just like that, and they demand results from officials, they usually pay close attention to a business plan to receive a subsidy from the Employment Center. Frankly weak and ill-conceived projects will not receive money.

A subsidy is given not only for opening a new business, but also for expanding an existing one. The requirements are different, but the main ones include the creation of new jobs. If after receiving the subsidy you are guaranteed to hire new staff, then the probability of receiving money will be very high. Of course, with the right business plan.

Business plan form

Each company has its own, unique business plan, but there are mandatory points that must be followed. If you want to receive money from the labor exchange to open your own business, then these points should be worked out especially, even if in your opinion this is not necessary.

You can see the typical structure of a business plan for an Employment Center in the table below. All items must be completed in this order.

Title page	Data of the author of the business plan
Project Summary	In a short form, it is necessary to state the essence of the project, its main strengths. Volume - 1-2 A4 sheets.
Financial part	All financial calculations. Try to use real numbers. The section can be quite large; in practice, it is the financial part that is considered in the most detail.
Research	Competitor analysis, market research and other analytical data.
Project subject	Description of goods or services, in detail. Them competitive advantages and other important features.
Human Resources	Working conditions, planned salary, number of jobs.

These are all simple and logical points. If there is a need to add something else (for example, a detailed SWOT analysis), then no one limits you here. The table shows the required minimum. It is worth considering other requirements that are not officially specified anywhere, but they greatly affect the likelihood of receiving money from the Employment Center. We will talk about them in more detail.

Information must be structured. It should be evident that you can organize your thoughts. In addition, confusing business plans, where information is scattered randomly on different sheets, may simply not be understood. And do not approve. An ordinary official will not waste time trying to understand what you wanted to say.

The business plan must be well-written. Documents with errors are not taken seriously. If there is one typo or missing comma, then this will not be a problem, but if there are many errors, the probability of receiving money will be extremely low.

The numbers should be as close to reality as possible. You do not need to take them out of your head, especially when it comes to financial calculations. This is the first thing they look at and carefully check. Therefore, you need to indicate real numbers. Also, do not manipulate financial performance. There is a chance that they will notice this and recognize your business plan as untenable.

Mention any details and facts that may be relevant to your business. The official who will review your business plan needs to see what you really want to do. successful business and not just get money.

Exist ready samples business plans for different types business, but they can only be taken as a basis. Your own project should be unique, take into account local features. By the way, the following types of business will not even be considered:

• alcohol trade;
• pawnshop and other financial services.

Some types of business can be very wary, and it will be difficult to get money. But each region has its own peculiarities, this moment Check with the Employment Center.

Protection of the business plan at the Employment Center

Protection is a simple and fast process. You will need to come to the commission, which usually consists of five to six people. Most are employees of the Employment Center, they also invite people from the local administration or business specialists.

In practice, protecting your project will rarely take more than five minutes. The commission will ask a few clarifying questions and that's it. There will be no interrogation and conversation like in an exam. If, after reading your business plan, the employees of the Employment Center have such a misunderstanding, then you simply will not be invited to defend, and your project will be rejected.

That is why the preparation of a competent and good business plan must be treated very responsibly. By and large, only this factor matters. But in your future business, you must be well versed. If on defense you are asked a couple of simple questions, and you cannot answer them, then you can forget about receiving money.

For this reason, the business plan must be written independently. There are times when applicants for receiving money from the Employment Center during the defense cannot answer the questions of specialists, as they simply downloaded typical business plans on the Internet and did not even delve into them. All this is noticed in 99 cases out of 100.

According to statistics, about one person out of ten is rejected at the defense stage. But if you are confident in your abilities, have spent a lot of time studying the features of your business, then success is almost one hundred percent guaranteed. Additional positive factors may be specialized education or work experience.

Sample Business Plan for a Grant

At the Employment Center, you should be given a business plan form, on the basis of which you will write your project. You can find a sample business plan for a labor exchange on the Internet, but in any case, you need to get a form from your local office. It will be issued after applying for a subsidy. You can also download and view a ready-made sample:

Download Sample

This is a simple example of a business plan for an individual entrepreneur, without filled in data and other details. It may seem small, but after filling in the information, its volume will increase greatly. But do not think that each project consists of 50 or more sheets, this is not so. In most cases it is about simple ideas businesses that do not require fundamental market analysis, research of dozens of competitors.

You can also see ready-made business plans, below you can download several options. But do not forget that they cannot be used in this form, adaptation to the form of the Employment Center is necessary. But there is nothing complicated about this, you just need to enter real numbers and other data that relate to your city.

Barber shop business plan

An example of a business plan for a typical hairdressing salon. It will need to be finalized, but it can be used as the basis for a project to receive a subsidy from the Employment Center: