In most Western European countries you can live on unemployment benefits. If you get tired of endless spitting at the ceiling and don’t want to go to work, go to the bank, get a loan and open your own business from scratch. The main thing is the desire to work and earn money. In Russia, unfortunately, desire alone is not yet enough, but some progress in this direction has already been outlined.

Business loan from scratch

Before the onset of a critical situation in the economy, domestic entrepreneurs received loans very willingly. Today the situation has changed for the worse and you most likely will not succeed in asking for money with absolutely zero and nothing else behind you.

Today they are issued to those who have stayed afloat on their own for at least 6 months.

Even if you successfully worked in the gray sector of the economy for some time, but switched to the official tax system, even without submitting reports, the chances of finding yourself in the role of a borrower are very high. What is important here is actual successful experience in a particular field, as well as the availability of assets involved in the business in the form of equipment or working capital.

Small business development loan

What conditions await legal entities, as well as individual entrepreneurs, when applying for a loan for small business development? For a change, instead of Sberbank’s offers, let’s consider the conditions offered by a commercial bank in Moscow. This financial institution has a financial product called “Small Business Development Loan”. The borrower selection criteria are as follows:

• The interest rate is determined individually, based on the level of creditworthiness of the borrower.
• Submission of applications is available to individual entrepreneurs and legal entities in the form of LLC, CJSC and OJSC.
• Minimum 9 months business experience required.
• The enterprise must be located no further than 200 km from the bank’s credit division.
• The period for issuing funds is up to 5 years.
• The amount is no more than 150 million rubles.
• Any valuable property belonging to the potential borrower is welcome as security for obligations.

Loans to small businesses from the state 2015

Let's return to Sberbank, because when assessing the processes of lending to small businesses, it is impossible to do without analyzing the activities of this organization. The commercial institution takes an active position in supporting entrepreneurship in the country, credit products provided under additional guarantee of the Credit Guarantee Agency. As a result of this practice, the interest rate can be reduced by an amount from 1 to 4%, depending on the lending conditions.

Small business loan from scratch from the state

Since cooperation with the Credit Guarantee Agency (ACG), Sberbank has already issued 138 loans for total amount 505 million rubles, which accounts for 264 million guarantee funds. In 2015 main bank the country, with the participation of the AKG, plans to “distribute” 60 billion rubles to small and medium-sized businessmen.

Loan for starting a small business from scratch

IN Lately the state has seriously begun to support newcomers who are developing high tech and other necessary projects through the creation of startups. Newly-minted entrepreneurs have access to not only loans for special conditions, as well as consultations and valuable advice from qualified lawyers and financiers. In addition to access to programs preferential lending talented entrepreneurs have access to such a form of financing as subsidies.

Sberbank loan to small business from scratch

Sberbank lends to small businesses more actively than other commercial institutions and its conditions are, perhaps, also the most favorable. We propose to consider the features of obtaining a loan in this particular structure. To apply for a loan you need:

• Contact the nearest Sberbank branch for a list necessary documents and return on time with the prepared papers.
• Opt for the “Business Start” program - it provides the most acceptable conditions for starting your own business.
• Register with the State Tax Inspectorate as an individual entrepreneur and record the fact of registration in the Unified State Register of Individual Entrepreneurs.
• Will study the proposals of Sberbank's franchisor partners.
• Choose the optimal franchise.
• Develop a competent business plan, which actually means for an individual entrepreneur to solve such organizational issues as finding and renting premises, developing a campaign to promote a product, etc.
• Apply for a loan.
• Prepare 30% of the requested amount for the down payment.

Loan to start a business from scratch without collateral

On the market today financial products In the Russian Federation, the segment of loans for businesses from scratch without collateral is in a stage of stagnation, which is explained by the crisis in the economy. Commercial banks are extremely reluctant to enter into risky transactions, so even if collateral is not required, this is compensated by additional guarantees in the form increased rates and extended packages of provided documentation.

Loans are practically not issued to beginning businessmen who do not want to comply with the rules of the game established by the bank. As a result, many aspiring entrepreneurs are looking for alternative sources of financing. Servicing such products is much more expensive, the profitability of the business is sharply reduced, its development is slowed down, which is why the growth rate of the economy in the country as a whole stops.

Small business loan without collateral

The phrase “business loan without collateral” often refers to so-called microloans, which are offered by various alternative lending organizations. The cost of such a loan ranges from 1 to 3% daily (!). In terms of a period of 12 months, the amount of interest ranges from 360 to 1000%, but there is also the body of the loan! Microloans are considered extremely unprofitable and dangerous for business. Taking on the risk of lending on such an expensive scheme only makes sense if you plan to use the funds and pay them back within a short period of time.

Of all the loans, the most difficult to obtain is a loan to start and promote a small business. Individual entrepreneurs (hereinafter referred to as individual entrepreneurs) and private individuals running their own business are included in the category of clients whom banks trust least. It is really difficult to get a loan for small business development from scratch. And it is explained this situation simple enough. If, when taking out a mortgage for an apartment, you need to convince the bank that you have a stable average income, which definitely won’t disappear in the next eight years, then with small businesses everything is much more complicated. Here, after all, there is a guarantee of return to the bank Money perform potential profitability, profitability, reliability, survival of this business in shaky conditions Russian economy. The only additional guarantee is the pledge of some valuable property of the borrower.

Even in developed countries(USA, Western Europe) economists give a maximum of 20% to the next small business project. This is the probability that the business will survive and not fail. And in the Russian Federation this indicator for a whole range of reasons, 2-3 times less. So banks are not eager to give money to people who will then, very possibly, become bankrupt. However, certain patterns of interaction with credit organizations for beginner businessmen there is. Let's consider them.

Step-by-step instructions for getting a business loan from scratch

As an example, it is worth studying the proposals from the main and largest bank Russian Federation in the civilian market. We are talking about Sberbank. He works with all types of business clients - individual entrepreneurs, private entrepreneurs (private entrepreneurs), CJSC, LLC. However, before going to the bank, you should prepare in advance on three main points, without which it is almost impossible to get a loan to start a business from scratch.

1. Preparation of a business plan. An aspiring entrepreneur must create his own plan, project. This is the start of any business. By the way, regardless of the level (small, medium, large). A businessman or businesswoman determines the main tactical (short-term) and strategic (long-term) directions for the development of the future company. Quantitative (technological, production) and qualitative (increasing complexity of the enterprise structure, improving the skills of workers) analysis is carried out. Production volumes, the ratio of potential costs and profits are calculated, and the conditions of the market sector in which the business will operate are analyzed. The staffing level is also analyzed. A business plan shows investors whether a given business is worth investing in. And the bank too.
2. Definition of a franchise. If a future individual entrepreneur comes to the bank and says that he wants to open his own independent enterprise, which will be called such and such, he will most likely be denied a loan. A franchise is a brand, it is a type of licensing, it is a certain model of running a business. For example, a franchise is the McDonald's chain. Or Coca-Cola. Or Microsoft. But such franchises are worth billions, since business under their auspices also guarantees corresponding profits. A beginning entrepreneur has to choose from a list of much more accessible options. Moreover, it is desirable that franchise companies are associated partners of the bank where the client is going to take out a loan. At Sberbank, these are Harat’s and a number of other companies that sell relatively inexpensive franchises.
3. And, of course, you shouldn’t go to the bank, as they say, “naked”, without the possibility of collateral. Of course, it happens that a future individual entrepreneur has nothing to his name except a business plan and the desire to start working as soon as possible. But as already mentioned, financial institutions are extremely careful when issuing money to small businesses. It’s great when the client owns some kind of real estate or other valuable property (a mid-price car, for example). Then you can register this property as collateral. The institution will know that if the business fails, all or most of the money issued will be returned back through sale collateral property client. Those who have nothing will have to at least find funds for a down payment, which is high for business lending (almost always at least 30%).

So, the preparation is complete. Let's go to Sberbank. Here the procedure is as follows:

1. Filling out a form where, in addition to basic information, you express your desire for a small business from scratch.
2. Choice credit program. Must select special program"Business Start".
3. Registration in tax service as an individual entrepreneur.
4. Collection of all necessary documentation. This will require not only standard set individual(passport, TIN, income certificate 2-NDFL, military ID for men under 27 years of age, pension certificate), but also additional documents related to business lending (business plan, certificate of individual entrepreneur or other form of organization, letter from the franchisor on cooperation, certificate of ownership of some valuable property, which can be used for collateral).
5. Submitting a direct application for a loan to create and develop a small business.
6. Providing the bank with funds to repay the down payment (or registering expensive property as collateral).
7. Getting the money you want and starting your own business.

Of course, some emergency situations and additional requirements may arise. Thus, a franchise company that is a partner of a bank may require an additional detailed analysis of the market sector in which the client plans to operate. If the future business requires additional licenses, they must be obtained before the loan is issued. For example, if a person is going to sell alcohol, hunting and traumatic weapons. Therefore, only general, standard instructions are presented here. The conditions under which Sberbank issues loans for small businesses are average and quite acceptable compared to offers from other banks:

• annual interest - 18.5% (in other institutions this mark can reach up to 25%);
• minimum an initial fee– 20%, but it is better to agree to 30% (in other institutions it can reach up to 50%);
• if a client has purchased a franchise from Harat’s, he can be given up to 7 million rubles. In other cases – up to 3 million rubles. The minimum loan is 100 thousand rubles;
• the loan is issued for a period of up to 5 years (for users of the Harat’s business model) or up to 3.5 years (for all others);
• The permissible late payment period for monthly payments for Harat’s clients is one year, and for all others – six months.

Requirements for the borrower

Here it is worth considering not the minimum, but the maximum requirements. Those in which the chance of getting a loan increases to 90%. Sberbank's requests are standard. Any other bank will offer similar conditions to novice businessmen:

• a clearly structured, comprehensive and maximally informative business plan;
• income certificate in form 2-NDFL;
• possession of any valuable property suitable for collateral;
• having an account in another bank, owning shares and other securities(extract from the bank, from the register of shareholders). This is analogous to a pledge;
• good credit history(availability of any other loans repaid on time). At the same time, having an outstanding loan that the client repays is not a plus, because it is an additional financial burden;
• the presence of co-borrowers (business partners) or guarantors who have proven their financial solvency to the bank;
• the client not only has permanent registration, but is also going to open a business at the place of residence and location of the creditor bank. For example, in the same city where the Sberbank branch and the borrower’s home address are located;
• The client's age ranges from 27–45 years. Why exactly 27 years? The answer is military duty, which is not at all pleasing to the banks;
• For some reason, according to statistics, people with families are more trusted. Although family, logically, can become a distraction from business. Banks probably believe that a family man is a priori more responsible;
• absence of any debts (for other loans, utility bills);
• information about the client’s main monthly expenses (utility payments, other loans, alimony, rent, etc.);
• absence of criminal convictions (especially outstanding, serious and for financial crimes);
• a certificate confirming that the borrower has not been and is not registered with a psychiatric and/or drug treatment clinic.

It is not necessary to strictly comply with all factors. Yes, such borrowers practically do not exist in nature. It’s just that the “gold standard”, the ideal, is described here. Some factors are not particularly important (marital status), while others are of paramount importance (collateral, business project, absence of crime and mental health/drug problems).

It is worth mentioning that if the borrower already had his own business and now wants to take new loan for a new business, then it will be a minus for him. Because the bank always evaluates unsuccessful entrepreneurial experience from a negative point of view. And where is the guarantee that this individual entrepreneur’s new endeavors will not fail in the same way?

Factors influencing the bank's decision to issue a loan

In principle, after reading all of the above, you can clearly see those points on which the positive decision beneficiary. To summarize, there will be only three main factors: a promising and well-designed business plan, the availability of a suitable franchise and a certain financial level client. If all three points are assessed by the bank as excellent, then this will bring the borrower close to the loan he needs so much. It is useful to know that in the business lending system, banks work according to plan. That is, the client is analyzed according to a proven template. And there are two such templates.

№ 1. Loan specialists monitor the borrower and issue a verdict (on the client’s solvency and the degree of risk for the bank).

No. 2. Statistical is used, automated system“Scoring”, based on the use of mathematical methods. Within this system, all borrowers are sorted into groups, each of which is characterized by a certain degree of risk.

Sometimes the bank resorts to both analysis options.

Other ways to get a loan

It may well turn out that the bank refused to issue a loan. But this situation is not completely hopeless. What workarounds are there?

Today, entrepreneurs are given a great opportunity to take out a loan to develop a small business without having their own property or any other collateral. In private cases, funds for assistance to entrepreneurship can declare themselves as guarantors. In order not to waste hours searching financial institutions that can provide loans without guarantors for small businesses, you can use the services of our website, which presents financial institutions that are guaranteed to provide preferential loans small business. Our website presents Banking services, which are offered by financial institutions in Moscow and other cities. The list of our offers allows you to see:

• what amount can be loaned;
• interest rate;
• documents required to obtain a loan;
• the age at which borrowers can receive a loan;
• time for consideration by the financial institution of the application.

Using our website, you can see current unsecured long-term programs of financial institutions that allow you to receive favorable loan for business development. Our website also lists institutions that offer preferential rates for small organizations.

What do we mean by favorable lending conditions?

Thanks to our portal, entrepreneurs can count on little support from the bank. They may be offered special conditions. Namely:

• unsecured loan “Trust”;
• programs that do not require guarantors;
• the possibility of extending the period for repayment of the principal debt;
• the opportunity not to pay the entrance fee;
• the possibility of obtaining a loan under the terms of floating interest rates.

What are the criteria for issuing quick subsidies for business expansion?

Before applying for a profitable loan, the borrower will need to select a bank, indicate the loan amount, indicate the period for using the loan money and the conditions for receiving the money (secured, without collateral, leasing, without a guarantor).

What is a loan calculator and why is it needed?

On our website, borrowers are given the opportunity to calculate the available monthly payment amount, specifying which credit schedule the loan will be repaid according to. Loan provision is calculated on the page “ Credit calculator» according to its desired size. For this purpose, the borrower will need to indicate the loan amount, interest rate, loan term, type of payment (annuity, differentiated), one-time commission and month of start of payments. Thanks to the calculator, the borrower will be able to figure out what loan price he can afford.

How to get a loan online?

An application for the issuance of money for an enterprise can be submitted to a financial institution through our website. There is a blue button next to each bank. By clicking on it, the entrepreneur will find out what profitable offer are provided when receiving a loan for the development of a small business. After submitting an online application, a credit consultant will call the applicant within 2 hours and give detailed advice on obtaining a loan. He will also explain the conditions for obtaining profitable loans. Are you interested in benefit program with government support? Are you considering getting a cash loan? Our site is happy to help solve your financial difficulties.

To start any business project, start-up capital is required. It takes time to accumulate it on your own. And this will take not 2-3 months, but at least 5-6 years. If you do not intend to wait, you will have to turn to private investors for help or try to get a loan from a bank. Fortunately, this is not as difficult as it seems. Today many people are ready to provide loans to small businesses from scratch financial institutions. All thanks to targeted government support and federal program development of small and medium-sized enterprises (SMEs).

Borrowed funds can be a great launching pad for a young entrepreneur. But business lending has its own nuances that need to be taken into account. Firstly, a loan is usually issued for specific purposes. This could be business development, starting a new business, purchasing equipment, repaying tax payments, replenishment of working capital, etc. You will not be able to use the money in any other way. Otherwise, there is a conflict with bank representatives and supervisory authorities can't be avoided.

Secondly, to get a loan to start a small business from scratch, you need to provide a business plan. As well as an official certificate confirming your status as an individual entrepreneur, and the right establishing documents for your property commercial real estate and commercial equipment (if available). In addition, to obtain a large loan, you may need a third party guarantee or other guarantees of your solvency (collateral, intermediation of the SME Corporation, etc.).

Requirements for the borrower

To take out a loan for a business plan, you need to meet the requirements established by management banking organization. Each bank has its own internal standards, which only company employees know about. But, nevertheless, there are general criteria that are more or less the same for all financial institutions in the Russian Federation. These include:

• citizenship Russian Federation;
• age - from 23 to 65 years;
• business period is from 12 months.

Moreover, the last point does not mean that you will not be given a loan to develop a small business from scratch. It’s quite possible to get it, you just need to use one of the government programs support.

Governmental support

The Russian government has long realized the importance of small and medium-sized businesses. To stimulate entrepreneurial activity of the population, various financial and information support. Moreover, they take part in their preparation not only federal authorities authorities, but also regional administration.

Stimulating SME lending

The small business lending incentive program is one of the largest projects of the SME Corporation. Together with the Ministry of Economic Development and the Central Bank of the Russian Federation, the organization has developed a fundamental new tool to finance young businessmen. The corporation managed to fix the interest rate on loans from 5 million to 1 billion rubles. at the level of 10.6% (9.6% for medium-sized enterprises). You can get a loan for a small business from scratch on these terms in 45 Russian commercial banks, including Sberbank, Vozrozhdenie, Alfa-Bank, Raiffeisenbank, etc.

Among the financed industries:

• Agriculture;
• production and supply of electricity, gas and water supply;
• food production;
• construction;
• connection;
• freight and passenger transportation.

A loan for the development of small businesses from scratch from the state is issued as part of preferential lending. The guarantor in this case is JSC Federal Corporation for SMEs.

Free loan

You can also receive money for business development free of charge. If the entrepreneur complies with the requirements of Russian legislation and has no outstanding tax debts, he is entitled to targeted subsidies. Moreover, both federal and regional.

To apply for a subsidy, you must first choose a direction. This can be done, for example, on the website of the Innovation Promotion Fund. To start a business from scratch, the organization issues free loans of up to 15 million rubles. Separately, you can get up to 300 thousand rubles. from the regional Ministry of Economic Development as part of a regional competition.

Non-profit foundations

You can take out a loan for a small business, from scratch, without collateral or guarantors, not only from the state, but also from non-governmental organizations. For example, the International Business Leaders Forum (IBLF). Under the “Youth Business of Russia” program, which is supervised by the Youth Business International (YBI) Foundation, you can get a loan of up to 300 thousand rubles for a period of 1 to 3 years. The interest rate is 12%, the debt can be deferred for 6 months.

All you need to apply for a loan is a ready-made business plan. The promotion is designed to support young businessmen, so the age of the potential borrower should be no more than 35 years.

TOP 5 business loans

Majority credit offers, not included in the program prepared by the SME Committee, are issued to entrepreneurs whose business has existed for at least 1 year. Discussion individual conditions possible if there is security or guarantee from persons enjoying the trust of the management of the banking organization.

5th PLACE: loans from Alfa-Bank JSC

Alfa-Bank is one of the most customer-oriented Russian banks. He actively cooperates with the SME Corporation and provides loans for small businesses from scratch to preferential terms. He also develops his own financial instruments for young entrepreneurs:

• "Partner". Loan for business development at 16.5% - 17.5% per annum. You can borrow from 300 thousand to 6 million rubles, no deposit is required. A prerequisite is availability current account at JSC Alfa-Bank. Repayment period - from 13 months to 3 years;
• "Overdraft". Money for current needs, a kind of “spare account” for the company. Issued for 12 months. The loan size varies from 500 thousand to 6 million rubles. Interest rate from 13.5% to 18%. No collateral is required, but a surety from an individual is required. A one-time fee of 1% is charged for opening an overdraft limit.

If you have just started a business from scratch, then the likelihood of approval is very small

4th PLACE: business loans from JSC Rosselkhozbank

Rosselkhozbank specializes in financing enterprises that are in one way or another related to agriculture and food industry. Therefore, the company has many targeted lending programs. Entrepreneurs involved in small businesses may be interested in the following loans:

• "Optimal". Non-targeted loan from 100 thousand to 7 million rubles. Repayment period - 5 years. Issued against real estate commercial equipment, transport or special equipment. Deferments for debt payment are not provided;
• "Fast decision". Loan in the amount of 100 thousand to 1 million rubles. The loan term is short, only 12 months. Can be used for payment rental payments or updating the material and technical base of the enterprise. Collateral is not required.

Interest rates of Rosselkhozbank depend on the size of the loan and its repayment period. And they are calculated by credit managers individually.

3rd PLACE: targeted loan from PJSC Russian Capital

Russian Capital has a large number of corporate lending programs. But for small businesses, the target package “Business Development” is of greatest interest.

Under this program, entrepreneurs can receive a loan from 1 to 150 million rubles. at 11% per annum. The loan repayment period is up to 10 years. The money can be used to purchase equipment, upgrade real estate or replenish working capital. Funds are issued both in the format of a one-time loan and in the form of a non-renewable line of credit With maximum limit issuance.

To obtain a loan, you must provide collateral and enlist the support of guarantors. Minimum term business existence - 9 months. Borrowers can be individual entrepreneurs and legal entities who are tax residents of the Russian Federation.

2nd PLACE: non-targeted business loans of Sberbank PJSC

Sberbank has been successfully lending to small businesses for a long time. You can get a loan for enterprise development here using one of three special programs:

• "Confidence" Basic loan for up to 3 years at 16.5% - 18.5% per annum. The client can count on an amount of up to 3 million rubles, no guarantee or collateral is required;
• "Express overdraft" This loan also does not require collateral. The loan term has been reduced to 12 months, interest rate-15.5%, and maximum amount 2 million rubles.
• “Business Turnover” and “Business Invest” These two transfers are very similar, the rate is from 11.8%, the maximum loan amount is not limited, it is determined only by the solvency of the borrower and the value of the collateral. These offers are targeted loans, this is the main difference.

Loan term Business Turnover - up to 3 years, Business Invest - up to 10 years

A decision on the application is made within 3 working days, online registration is possible.

1st PLACE: loans for business development of PJSC Bank VTB 24

Distinctive feature VTB programs 24 - clear specialization. The bank has how investment proposals, so targeted loans for the development of small businesses from scratch, the purchase of special equipment and other needs. The most popular loans are:

• "Target" Issued in amounts starting from 850 thousand rubles. for the purchase of equipment and special vehicles from the bank’s partners. Repayment period - up to 5 years. It is possible to defer payments on the principal debt for 6 months. Base rate - 10.9%;
• "Investment" Can be used to implement various business processes. Amount - from 850 thousand rubles, term - up to 10 years. The rate, as in the previous case, is 10.9%. It is necessary to provide material support;
• "Kommersant". Express loan for business development at 13% in the amount from 500 thousand to 5 million rubles. Smash monthly payments possible for up to 5 years. The loan is not targeted and is provided against minimum package documents (business plan, individual entrepreneur certificate, etc.).

You can apply for a loan from VTB 24 either at the bank’s office or through a form on the official website.

Full list of small business lending products www.vtb24.ru/company/credit/

conclusions

Small business loan from scratch issued by both government funds and commercial companies. Material support can also be obtained from non-governmental organizations created on the initiative of entrepreneurs themselves. The main thing is to prepare a convincing business plan and find guarantors who will be ready to take over your financial obligations in case of crisis.

Creating your own business is a long-term and labor-intensive process that requires significant effort and financial investment. A novice entrepreneur does not always have the required amount of start-up capital, which puts him in a difficult position. Russian legislation takes this fact into account and offers individual entrepreneurs a profitable loan to develop a small business from scratch.

Help of this kind is beneficial because government lending is systematic and interest-free, does not require collateral, and includes a number of additional financial and legal advantages. A significant number of business entities are striving to obtain it.

It is worth noting that the Russian Federation has a detailed program of state assistance to small and medium-sized businesses, which includes such items as:

• interest-free lending;
• leasing;
• state compensation system payments and assistance for fulfilled loan obligations;
  compensation for the financial amount spent on the purchase of industrial equipment and other means of production.

Small business lending is not the only popular method of effective economic assistance to individual entrepreneurs, but one of the most popular ways to compensate for financial shortfalls. The opportunity not to provide collateral when applying for a loan is very attractive to young entrepreneurs at the beginning of their economic activity. For individual entrepreneurs it is very important to feel government assistance in difficult economic conditions at the beginning of activity and opening of an enterprise, without collateral and additional financial payments.

State lending to individual entrepreneurs: registration mechanism

A loan to small businesses from scratch is an effective mechanism for regulating the development of individual entrepreneurship, which is one of the fundamental cells of the system of modern economic relations. The absence of the necessary collateral when starting a business often attracts young promising entrepreneurs who are ready to develop and implement new technologies and promising developments. Often these are the projects that require government assistance.

One of the most effective conditions help for opening and further development small business under the existing lending system is the lack of collateral.

The state takes over a full range of obligations regarding guarantee credit obligations subject of the debt. It should be noted that not all banks are willing to make such a compromise, especially if we are talking about fairly large financial sums. Moreover, even a successful start does not always guarantee the profitability and creditworthiness of the enterprise in the future. Therefore, in order to receive a loan to open, an individual entrepreneur must have a basic amount of starting capital.

A new business is always a risk, and banks are not ready to pay for it. Therefore, individual entrepreneurs in the Russian Federation are actively supported by the state - and the results did not fail to show. Small business is gradually but surely turning into a significant segment of the domestic and foreign markets.

If you are planning to open your own business and want to receive state support, first you need to make sure that the system government funding and assistance, the individual entrepreneur operates in the region of your registration, and also applies to your chosen field of activity.

It is worth understanding that not every beginning entrepreneur is entitled to financial support from the state - but only to those economic entities that can truly prove their worth and prospects for development as an individual entrepreneur.

One of the important stages of the procedure for receiving assistance when starting your business and registration state lending for individual entrepreneurs is to draw up a clear business plan, which will display the following points:

• goals and objectives of creating a new IP;
• minimum required financial resources needed to open a business;
• the amount of costs associated with the acquisition of the necessary equipment and arrangement of work premises;
• expected payback periods.

In addition, the individual entrepreneur must clearly outline the features of the start, the nature future activities and justify the chosen path economic development, as well as your desire to take out a loan.

To take part in the state program. small business lending and receive government loan, first you need to go through a competitive selection process.

The first stage of this competition is a detailed consideration of the proposed IP business plan. To successfully start and open a new business, an entrepreneur must clearly outline all stages of development of the future enterprise, and formulate the expected risks and benefits. To get state loan, the individual entrepreneur must convince the state that the proposed idea is effective and promising in terms of economic development.

Individual entrepreneur in order to receive state a loan for the development of its business without additional overpayments and collateral, undertakes to provide timely and full reporting on the nature of use and volumes of naturalization of funds received. The objectivity and completeness of the information received is checked by government agencies. fiscal control.

If the verification of the provided data was successful, and the subject successfully passed the competitive test, he receives access to a preferential lending system, which assumes the complete absence of collateral and interest-free loan. Such conditions attract many young entrepreneurs who want to get a loan and establish successful development of their business.

Other methods of government support for small businesses

Lending is not a universal panacea for stimulating the development of small businesses.

In order to get a satisfactory result in his entrepreneurial activities, the individual entrepreneur is forced to look for innovative ways and methods for implementing business ideas and projects. To the same extent, the state authorities are interested in the effective development and expansion of forms of private entrepreneurship.

Many banks are beginning to think about reducing or even potentially eliminating collateral for clients who want to take out a loan with the further use of funds for the development of small businesses.

State Small business support also involves such forms of work with individual entrepreneurs as:

• holding competitions for various grants;
• conducting training seminars, conferences, trainings for individual entrepreneurs;
• material assistance without direct financial payments.

For example, the state can facilitate the rental of municipal space at a reduced rate. An entrepreneur can also receive a number additional benefits without receiving cash in hand. In particular, this concerns cooperation with banks.

Preferential conditions for small businesses: features of obtaining a bank loan

Lending centers that provide government support for small businesses often become guarantors for obtaining loans for individual entrepreneurs. Banks tend to trust state system collateral for loans, therefore they are more willing to issue loans without collateral if the state directly acts as a guarantor.

The lack of collateral in this case is compensated by increased loan obligations.

To facilitate the successful start of as many young entrepreneurs as possible, a special Fund was even established in the Russian Federation national welfare. The foundation's activities started in 2014. From of this fund banks included in the pool can annually receive a fairly impressive amount, allowing them to ensure minimum tariffs for credit loans for individual businesses, without requiring collateral or overpayments. Thus, in order to ensure a successful start and receive a loan for the development of the enterprise, the subject must simply prove his readiness to work according to full program for the domestic economy.

Starting a new enterprise requires careful preparation and the presence of a certain financial reserve.

The state is ready to provide the beginning entrepreneur with the necessary support - but in response, the individual entrepreneur also assumes certain obligations. In particular, the main indicators of the level economic efficiency activity and the successful start of a new enterprise are two main indicators: the number of jobs created and the level of taxes paid annually. If these numbers are characterized by positive dynamics, it means that the start of this business has justified itself, and the entrepreneur begins to create a successful credit history.

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