Who among us has not thought at least once in our life about organizing our own business. Surely, there are none. However, any enterprise requires financial investments, and the question of where to get the money to start a business simply baffles many.
How to find start-up capital for renting office space, purchasing equipment, raw materials, paying salaries to employees and other expenses? Of course, these questions completely discourage some people from studying. entrepreneurial activity.
However, the high level of unemployment and the desire at all costs to financially provide for their families again pushes people to organize their own business. But, again, the question of where to get the money to start a business is of paramount importance. The situation is complicated by the fact that most often, apart from a business plan and naked enthusiasm, a novice entrepreneur has nothing.
Earn yourself
Of course, to the question of where to get money to start a business, there is a simple answer: "Earn!"
However, this is an ineffective way of solving the problem, since, in order, for example, to save money for opening a small shoe repair shop, you will have to work and save for many years. And then what to say about the organization of a larger enterprise?
Ask for financial help from relatives or friends
You can borrow money to start a small business from your relatives or friends. However, the problem is that not all relatives and acquaintances are wealthy people, besides, even rich brothers and sisters do not always have free money with which they want to part, even for a certain period.
Bank loan
The most common way to get money to start a small business is to borrow it from a bank.
However, there are also disadvantages here, one of which is that after a specific period of time, the loan will need to be repaid with interest.
And yet it real way solutions to the problem under consideration. You also need to take into account the second minus: you most likely will not receive money without signing a pledge agreement for the property you own.
Surety
If you need an amount to open a small store and a hairdresser, then the money can be borrowed from a bank under the guarantee of a large reputable company, which will agree to compensate for financial losses if you cannot fulfill your loan obligations. And here the credibility of the guarantor is of primary importance - the size of the loan depends on it.
Consumer loan
You can get money to start a business through consumer lending.
And for natural person the procedure for its registration is more simplified than for an organization or institution. However, the future individual entrepreneur cannot count on large borrowed funds here, and nevertheless this will partially solve his financial problems.
Venture funds and investors
Many are interested in the question of where to get money to start a business without a loan?
Alternatively, you can turn to a venture fund for help, which can invest in a project if it considers it promising. However, be prepared to provide strong arguments and reasons to justify the attractiveness of your business plan, because in practice venture funds rarely get interested in new ideas from entrepreneurs.
However, even if luck smiled at you, and the project seemed worthwhile to the foundation, you will have to be patient and wait. Fund staff must carefully prepare an information memorandum and discuss all the terms of the investment proposal.
They also need to conduct diverse audits, according to the results of which the business plan will be adjusted, and only after that you will be able to receive funds for the implementation of your project.
Union of Entrepreneurs
If you need money to start a business, you can ask for material support from the Union of Entrepreneurs "Opora Rossii", which, along with government agencies, provides assistance to novice businessmen.
However, here it should be remembered that only promising areas have a chance to get investment. Those who take the first places in the competitive selection will receive funding in the amount of up to 70% of the required amount to organize their own business. At the same time, the winners have high chances of getting a loan from a banking institution on preferential terms.
Comprehensive information about the holding of competitions can be found on the Internet portal public organization"Support of Russia".
Private investors
Of course, financial aid you can ask private investors, and the search for partners should be done not only in our country, but also abroad.
However, it is naive to believe that immediately after studying the business plan, the investor will show interest in your business idea, rather, he will be skeptical, since, apart from unsubstantiated enthusiasm, you cannot offer him anything, and the business plan needs in a thorough revision. That is why, before looking for contributors, you should work out a business plan in detail and draw up a resume. You must prove to the investor that your idea of capital accumulation is not only ambitious but also viable.
Sale of property
If suddenly your relatives left you a house or an apartment as an inheritance, then it makes sense to sell this property, and to organize your own business with the proceeds.
If you are the owner of large apartments, but you do not have the material opportunities to open your own business, then one of the options for solving the problem is to exchange for a smaller apartment with an additional payment.
If you do not need to move around the city in your own car every day, then you can think about how to sell it, and invest the money received in your own business. Yes, you will have to use public transport, but on the other hand it is cheaper considering the price of gasoline and the maintenance of your own vehicle.
In any case, you need to remember that this is a temporary phenomenon even after you unwind own business, you can buy a new car for yourself.
Help from the state
The state also did not stand aside and was concerned with the question of where to get money for entrepreneurs to organize their own business. The government has prepared a number of measures aimed at combating unemployment and the economic crisis.
How to get money from the state to start a business? One of the main measures, of course, is the issuance of subsidies for organizing their own business for citizens who are officially recognized as unemployed. Almost everyone knows about this opportunity.
However, there are also regional cash financing programs. Thanks to state aid, start-up entrepreneurs can get discounts when buying equipment or, for example, when renting premises. It should also be said about the possibility of obtaining concessional loans and the provision of grants.
It should be noted that in each case the form and amount of subsidies are determined on an individual basis. In particular, if we talk about a grant for the development of a small business, then its value varies from 200,000 to 300,000 rubles. And if for the metropolitan metropolis and the Moscow region this is a small amount, for the rest of the Russian regions it is significant.
There are many business ideas that do not require an investment. But such projects take a long time to gain the required momentum and reach the desired profit. How to find sources of funding for more serious and promising business ventures? We will answer the question of interest to many, where to get the money to start a business from scratch.
As practice shows, there are enough ways to get money for a business. Consider the most interesting and relevant sources of investment.
Sources of funding for starting business projects
Even in times of crisis, it is possible to find money for starting a business. You should not immediately go to the bank and take out a loan secured by property and with considerable interest - use this option as a backup.
The article will show you proven ways to get money for entrepreneurship from scratch. Do not neglect even minor options and use every opportunity. It is best to choose and act in two or three directions at once to find sources of investment funds.
Personal savings
It takes self-discipline and patience to accumulate enough money. These qualities will also be needed in running a business. With 15 thousand income per month, you can save 5 thousand rubles - 60 thousand rubles will accumulate in one year. With an income of 20 thousand and a monthly amount of savings of 10 thousand, in a year you will save 120 thousand rubles. This is already enough for the implementation of a small project.
Find a partner among your circle of acquaintances
Borrowing a decent amount from friends, relatives or acquaintances is very difficult, and sometimes impossible. Make a list of people who may have the necessary finances, call them suggesting a business meeting. For those who are interested, offer a percentage of the profits in your business for borrowed funds.
In addition to the money for starting a small business, you have a chance to find a partner with the necessary personal qualities and fresh ideas.
Business partner from outside
If there is no suitable candidate among your acquaintances with the required amount of money, then you need to look among businessmen who are ready to invest in new projects. How to reach a potential investor?
Place your ad on internet sites, newspapers free classifieds in the headings about business cooperation. They place advertisements for the sale and purchase of businesses, which ensures views only to a certain circle of people. You will find that many investors are interested in your project.
People who want to invest money, vacant premises or land. A significant result is gaining connections with other entrepreneurs. It is important to have a ready-made concept, a business plan and the ability to convincingly present the material.
Union of Entrepreneurs
There are alliances of entrepreneurs created by real businessmen to jointly solve different tasks... They are designed to regulate certain areas of entrepreneurship, support the participants, finding ways to solve the obstacles and difficulties that have arisen. Membership in such associations promises certain bonuses.
You can contact local or all-Russian unions with a request to provide money for starting a small business. The union's management will consider the idea, assessing its prospects and profitability.
Possible conditions for the provision of money:
- a loan at a low interest rate;
- percentage of income;
- partnership, etc.
If your business plan convinces the management of this organization, then you will be provided with funds from the union's own funds.
Government subsidies
Government subsidy- one of the options Looking for an answer where to get money to start a business, few consider the option of support from the state. However, in the state program there are many projects for the development of small businesses and support for start-up entrepreneurs.
The state provides a subsidy for starting a business under certain conditions. For example, the employment center allocates funds for their own business. The amount depends on the region - from 90 thousand rubles.
The subsidy is not a loan - it is a gratuitous amount that does not require repayment.
Different regions have their own programs for the issuance of subsidies and grants to start-up entrepreneurs, and it is quite possible to win them. Just study all the existing options and their conditions.
Business loan
The amount received from previous sources is not always enough, then contact the bank. This option will help you get large amounts, but the interest for using borrowed funds is high. Turn to lenders to develop a guaranteed profitable and fast payback business idea. There are several options for credit programs for entrepreneurs, both for starting new projects and for developing existing ones.
Russian banks provide loans for starting a business in the presence of a competent business plan, registration, income certificates and other documents. Examples of loan programs in various banks:
- Sberbank of Russia: up to 3 million rubles, 30% down payment, 18.5% per annum;
- VTB 24 Investment loan (with collateral): from 850 thousand rubles, 14.5%, for 10 years;
- Alfa-Bank (without collateral): up to 6 million rubles, rate of 19% per annum;
- Promsvyazbank (without collateral): up to 1 million rubles, rate 17-21% per annum.
It is not easy to take a large loan without collateral, since banks are interested in the return of borrowed funds. A loan with collateral (apartment, house, car, land, etc.) of the property is easier to obtain, and its conditions are more loyal. But in this case, you risk your own property.
If you have not been able to get a positive response on a business loan, do not despair. You can get a small consumer loan at any bank - this is a quick procedure. You need to collect a minimum package of documents, consisting of a passport, 2-NDFL identification code... There is no need to provide a business plan and go through exhausting approval procedures. The disadvantage of consumer loans is high rates and more serious penalties for delays.
conclusions
Going through all of the above options, you will find several ways where to get money for the business. Start working with leveraged items to minimize entrepreneurial risks.
Method 1. Get a bank loan
Who is most suitable for. Stable companies that are not the first year on the market. Banks demand to provide money-back guarantees: a large number of enterprises go out of business due to insolvency, so it is difficult for start-up companies to obtain loans.
Denis Smirnov, Head of online aggregator of stock forecasts Raddar:
“Banks are really not ready to finance absolutely every project offered to our attention with an uncertain future. And you can understand their logic - no one wants to invest in risky ventures. "
In 2017, 9,173,042 individual entrepreneurs were closed, 16,775 of them were declared bankrupt in court (data from Rosstat)
Advantages . The main advantages of lending to entrepreneurship: low interest rate, ease of registration, long term of debt repayment to the bank
Many financial institutions there are special programs according to which they cooperate with entrepreneurs. Biznes.Ru has prepared a summary table with the main proposals.
Bank loan programs for business
|
Bank |
Program |
Lending terms |
Who is provided credit |
Return guarantee |
|
|
|
"Business-Invest" |
Rate - from 11% Payment term - up to 120 months. The minimum loan amount is 150 thousand for agricultural producers and 500 thousand for other entrepreneurs. |
Legal entities and individual entrepreneurs with revenues of less than 400 million per year, who work at least: 3 months - if the activity is related to trade; six months - in other cases, with the exception of seasonal business; years - for seasonal activities. If an individual entrepreneur takes a loan, then the moment of registration of the contract he must be less than 70 years old. |
Issued on bail, with the surety of other persons, or under the patronage of the Federal Corporation for Business Development |
|
|
|
Loan for any purpose |
Rate - from 12% Validity period - 3 years / Maximum loan - 1 mln. |
Individual entrepreneur who opened a bank account |
Without guarantors and collateral |
|
|
|
Business loan |
Rate - 15.5-17% Loan amount - from 300 thousand to 1 million |
Organizations and individual entrepreneurs that have been operating for at least 12 months. Entrepreneurs must be between 22-65 years old |
Legal entities must confirm the intended use |
|
|
|
Investment lending |
Rate - from 10% Loan term - up to 10 years Loan amount - up to 150 mln. |
Small businesses |
They require a deposit (25% of the amount can be exempted from security), support of guarantors or a fund for support of small entrepreneurs |
|
Risks. Before taking a loan for business development, carefully assess your capabilities: whether you can return it. You can get legal advice. Remember, this is not the best source of funding for a budding entrepreneur.
At first, it is extremely difficult to build a business; you have to pay rent and wages. And then there's the loan, which can't even be deferred. You can take money from the bank if there is a source of repayment outside. Plus, you run the risk of ruining your credit history. I would not recommend such a source.
How to proceed. To get money, you need to fulfill the conditions of financial institutions that they present to borrowers to guarantee debt repayment:
- issue a special insurance policy that slightly increases the interest rate;
- Leave valuable property as a pledge: real estate, a car or other liquid expensive things;
- find a guarantor who will be ready to take on loan obligations in case of unforeseen circumstances;
- provide a business plan. The bank employees will not study the entire document, create an abbreviated version for them with the most important aspects activities.
In addition, the bank will carefully check your credit history. Facts of non-payment will significantly increase the likelihood of refusal. If the bank nevertheless decides to cooperate with an unreliable client, it will offer less attractive conditions: it will reduce the loan term and its size, and increase the interest rate. As a result, it is unlikely that it will be possible to take more than 1 million rubles, and the overpayment compared to normal conditions can reach 25 percent.
The likelihood of a positive decision also directly depends on the purpose of using the money. Most often, entrepreneurs take a loan to build up working capital, acquire licenses to carry out activities, purchase equipment and equipment of the enterprise itself.
Olga Danilova, Deputy Head of Accounting Outsourcing Department
Regardless of the amount of the loan agreement, conclude it in writing. If the contract does not specify interest, the entity must pay it at the key rate in effect in the relevant periods. A special procedure for paying interest can be prescribed in the agreement. If not specified, interest is paid monthly up to and including the day of loan repayment.
note: in addition to interest under the loan agreement, the document may provide additional payments... You can check the contract and organize accounting support for the company.
Who will not be approved for a loan
A denial of a request for disbursement is likely to be received by:
- Legal entities and individual entrepreneurs who will not be able to pay at least part of the costs of starting a business
- Entrepreneurs with fines and delays in loans issued earlier
- Companies declared bankrupt
- Applicants with an unprofitable business plan
The hardest part is getting money for a business from scratch. Usually, financial institutions sign contracts with businessmen who have been successfully doing business for at least one or two years. But if the bank recognizes that the goal is financially promising, it can go to cooperation even with a novice businessman. Otherwise, seek help from organizations that will apply to the bank. Such funds operate in 82 constituent entities of the Russian Federation. For example, these include:
- Small and Medium Business Lending Assistance Fund, St. Petersburg;
Funds provide surety on a paid basis, for example, St. Petersburg takes 0.75% per annum of the surety amount.
Method 2. Find a partner
Who is most suitable for... Looking for a co-owner of a business is primarily for those who plan to open an enterprise with minimal risk of ruin. For example, these are always popular food outlets or shops.
Advantages. Increase in start-up capital. With a lack of funds, you can always take a "double" loan, or arrange a partner as a guarantor. Ability to share responsibilities: each of the business co-owners performs functions that are most consistent with his experience and knowledge. Support in a difficult situation. A partner will always come to the rescue when an entrepreneur cannot cope with a problem on his own.
Denis Smirnov, head of Raddar, an online stock forecast aggregator:
The advantages include the ability to reduce costs at the initial stage, if the team is competently assigned responsibilities. This, however, is a rather short-term benefit, since the rapid development of the enterprise will still require the involvement of qualified personnel.
Important . Responsibilities that cannot be distributed, feel free to outsource. This applies to specialists, without whom a start-up company cannot do, but it is too costly to hire them. For example, a lawyer, an occupational safety specialist, an accountant. For example, the services of an accountant will not cost an average of seven thousand rubles.
Benefits also include increased networking and support in difficult situations: making decisions together is easier.
Risks. A partner can leave the business at any time and receive compensation for the part he owns; he also has the right to sell his share to a third party. A new person who will take his place can cause discord in the work and interfere with the implementation of an existing strategy.
Vyacheslav Zolotukhin, ideologist and founder of professional social network Evolution with blockchain technology:
You don't have to work well with a partner. And if the attraction of a partner took place at an early stage, then you can sell a huge part of the project for super-small money, and this is very unprofitable.
How to proceed. Carefully evaluate the person with whom you plan to do business. He not only must have certain knowledge and skills. But also enjoy trust.
Dmitry Chernov, Chairman of the Committee of the Orenburg branch of Opora Rossii:
You must be 110% confident in your partner. There are dishonest partners who are trying to get their funds back, hang up an additional interest, go out of business, frightened of the first difficult months
Develop a joint business plan that will satisfy both aspiring businessmen. You can give all your best only to a project that appeals to;
Record joint business issues in the partnership agreement. An official paper will help resolve controversial situations that often arise even between loved ones.
Important. Don't cooperate with relatives. Very soon they will feel that they are in a privileged position and will begin to make additional demands.
It is possible to involve not only acquaintances in joint business conduct. You can search for startup partners on special Internet sites. There you can also get investment by presenting your project or an already running business. To Russian platforms operating in this direction, relate:
- Business is a special forum created to find and attract business partners. Up to 10 business proposals appear every day. You can create your own thread and talk about the benefits of the idea;
- StartupPoint is the first Russian platform to find investors and partners. The database contains over 4.5 thousand projects.
Method 3. Contact investors
Who is most suitable for. Investments in business development imply that the investor will receive certain funds, while completely withdrawing from the direct business. Therefore, if the plans include opening simple business, for example, a car repair shop, then it is better not to contact investors. The method is optimal for those who opened new technology or plans to bring a unique product to the market. However, keep in mind that one idea is not enough.
Zamir Shukhov, general manager and partner of Global Venture Alliance GVA:
There are many interesting memes on the internet about this topic. One of them depicts a meeting of two people. One says to another: "You know, I have a great business idea and all I need is investment, developers, office and help with the first clients." And the second answers him: "So, in fact, you have nothing!" In fact, the real state of affairs is also the case. If a person has only an idea, then it is extremely unlikely that anyone will be ready to give him money for this idea, unless it is a bank or a pledge of some property against a loan for a small business.
Example of an investment agreement
Advantages. It is difficult to accumulate a certain amount necessary for the implementation of your own project; it is unprofitable to take a loan from banks and is fraught with falling into a debt trap. Therefore, aspiring entrepreneurs often seek to attract outside investors to their business. An example for inspiration - "Apple": having invested 91 million of other people's money, the owner of the brand managed not only to receive a huge income himself, but also to return 154 million dollars to investors.
Risks. When attracting investors, remember that you will have to part with a part of the profit. Moreover, if the business has to be liquidated, the investor will receive the money first. The entrepreneur himself may still be owed to third parties. In addition, the investor owns a certain part of the company's portfolio. He can participate in decision-making and even initiate the sale of the company if he has a certain block of shares or owns a significant share.
How to proceed.
Many people and a number of organizations can be involved in investing in the project, for example:
- Friends and relatives. Russians prefer to save money rather than use it. This position is often due to low financial literacy... However, family members or acquaintances are often ready to entrust their savings, especially if the specter of large profits appears in front of them.
- Held businessmen. Business people usually know the value of money and are ready to invest only in projects that are more likely to be able to recoup. Therefore, it is worth contacting him only if the idea is framed and supported by appropriate calculations.
- Investment funds. Organizations that specialize in business support and receive the main income precisely from the return on investment. Therefore, the selection of candidates for receiving funds is carefully considered. A novice entrepreneur will be able to receive funds only if he provides a carefully developed plan for the organization and operation of the enterprise.
A promising place where aspiring entrepreneurs can look for investors is the AngelList platform. There are about 400 companies and 3200 investors in the Russian segment of the database. Also of interest is the Napartner portal, which claims to have attracted about $ 6.25 million in investments.
It is not easy to get borrowed funds. Investors need to provide comprehensive information about the project. Any investor will want to know what the invested money will be spent on, therefore they require a detailed business plan from the applicant, a project presentation that will reflect the essence of the future enterprise's activities, and a cost plan.
Finding an investor will be easier if you can provide money back guarantees.
Pavel Spichakov, Managing Partner of the Promslavl Group of Companies:
It is important for investors that a significant part of the money is invested not in virtual, but in tangible assets: in land, in buildings, in equipment. One of the areas of activity is helping active people seeking to create their own production in search of investors.
Method 4. Use crowdfunding
Who is most suitable for. With the help of crowdfunding, they mainly raise funds for charity. Of course, you can also collect a sufficient amount for a cannery, but the process will take a lot of time. Therefore, for those who are looking for quick investments in business, this method is not suitable. As for entrepreneurs who do not have their own funds or are not ready to reward investors.
Advantages. Crowdfunding allows you to attract money from not one, but many investors at once. For startups, this is an opportunity to start activities with little or no upfront investment, advertise their services and assess the demand for them in the market.
Alexey Basenko, CEO of SimpleFinance:
Crowdfunding is an alternative way to raise finance for business development. The client does not need to waste time on visits to the office, the whole process takes place remotely, online, with a minimum package of documents. In fact, a full-fledged alternative to the banking system is being created.
Risks. It is worthwhile to start organizing a business with the help of crowdfunding with extreme caution: if the project fails, you can lose your reputation and say goodbye to the opportunity to open an existing business in the future.
Zamir Shukhov, CEO and partner of the Global Venture Alliance (GVA):
Crowdfunding is a very good and interesting tool. But if you collect money and then do not deliver the product to people, you can even be prosecuted. In essence, this is a scam. Here you need to be very careful and understand that you must definitely implement the product and deliver it to your customers.
How to proceed. Register on a special site on the Internet, post a video presentation of your project, tell us about it. You can try your hand at Planet.ru or Boomstarter.
Semyon Kibalo, an entrepreneur and traveler from St. Petersburg, collected 202,304 rubles in 40 days for his project “Business reality show from Japan”. As a result, he formed 10 tips to help you take advantage of crowdfunding.
Semyon Kibalo, entrepreneur and traveler from St. Petersburg, author of the Idea Hunter blog:
1. Tell how your project can be useful to others, convey its value.
2. Make a short, honest video presentation of your idea.
3. Provide reasonable collection rates.
4. Organize small, interesting promotions for sponsors.
5. Don't expect money to come to you on its own.
6. Make a fundraising plan.
7. Be prepared for both positive and negative responses.
8. If you run out of energy, do not despair, the peak of the collection falls on the first and last weeks.
9. Work as a team.
10. Thank every person who supported your project.
Guzel Sanzhapova, the creator of the Cocco bello brand, raised 4.5 million rubles through crowdfunding for 4 of her projects for the production of cream honey in the village of Maly Turysh.
Method 5. Get a grant
Who is most suitable for. Most often, grants and competitions are held among entrepreneurs working in the field high tech, medicine, education, ecology, as well as those who offer innovative projects.
Advantages. The winners receive special grants, which are used as seed money for starting a business.
Risks. Usually, the grant is awarded subject to the certain conditions... And only if the company matches them, the money will be transferred to its account. Separate requirements must be met in the process of disbursing funds. If the granting organization considers that the company is not doing the right thing, it can withdraw the money. This happened in 2015 with the residents of the village of Kholmogory, Oleg and Anna Feneva, who received a grant of 1.8 million rubles for the development of a peasant farm. They did not fulfill one of the conditions - the absence of official employment. For this, they began to withdraw money from entrepreneurs through the courts.
How to proceed. Mainly the state is in charge of holding tenders. It also determines the priority areas of business development. In 2018, we developed over 250 projects in 80 areas of activity. Within this framework, novice businessmen are assisted.
A prerequisite for such programs is the payment of part of the costs at their own expense. You need to contribute from 30 to 70% of the total cost of the project.
For convenience, use the business navigator service, it will help you find all available support measures, view purchase options ready business or franchise, as well as use analytical data to choose the type of activity in your city.
Business navigator in St. Petersburg
An example of a competition from a private company is Lipton GoodStarter. The competition supports aspiring entrepreneurs who work in social sphere... The winner is determined by the number of likes - whoever has the most of them will receive funding. Thanks to the competition, you can get about 300,000 rubles, and new projects and existing organizations can participate.
Competition from Lipton
Method 6. Use government support
Who is most suitable for. The state allocates funds only to entrepreneurs working in certain industries. They finance businessmen working in the field of:
- innovation;
- social orientation;
- tourism;
- agro-industry.
In addition, support is provided to start-up entrepreneurs who organize small and medium-sized businesses.
The regional government provides subsidies for the development of priority industries, and holds competitions for grants for young businessmen and women entrepreneurs.
Advantages. The main advantage of public investment is that there is no need to return the funds received. The state benefits not from making a profit, but from the development of a lagging industry at the expense of new enterprises.
Galina Khvostova, sales increase expert:
Please note that subsidies are money that the state gives you and you do not need to return them. Not that you don’t have to pay interest, but you don’t need to return anything at all. That is, you took them, spent on your business, reported as expected. All - you are free.
Risks. An entrepreneur who has received a subsidy has certain responsibilities. For example, they need to report the use of Money and use them solely for their intended purpose. The funds themselves must be used precisely for the purposes indicated upon receipt. Otherwise, the entrepreneur risks not only losing his reputation, but also falling under administrative or even criminal liability.
How to proceed.
Check that your line of business is included in government support programs (see the table below).
Denis Smirnov, head of Raddar, an online stock forecast aggregator:
Russian state in last years not only makes loud statements, but also really helps novice businessmen in starting their own business - large, national assistance programs are spelled out in priority areas until 2025.
Government business support programs
| Program | Who can get | What help will be provided |
| "Start" | Businessmen operating in the field of IT-technologies | The state invests 2.5 million rubles, the entrepreneur must find an investor who will additionally invest the same amount in the business |
| "Smart ass" | Entrepreneurs under 30 years of age. Industry-leading technology innovation | 500 thousand rubles |
| "Development" | Businessmen who plan to expand the enterprise and create additional jobs | Up to 15 million rubles |
| "Cooperation" | Small and medium-sized enterprises that are ready to modernize and integrate into large industrial production | Up to 20 million |
| "Internationalization" | Companies that plan to develop projects in cooperation with foreign firms | Up to 15 million |
There are also regional programs. For example, they subsidize entrepreneurs who start a business in a certain field of activity, for example, "Don Small Business".
But if you still managed to fit into the framework of the projects, you can get funds that you won't even have to return in the future.
Bonus
Is it possible to open a business without money
Initial investment will be required in any case. But there is good news: their size can be so insignificant that it will be possible to allocate the required amount from own funds... If there is no money at all, and the desire to do business is huge, you can find a way out.
Anastasia Yakusheva, owner of the "Lady's Showroom" network of showrooms:
“The lack of money will have to be compensated for with your time, your faith in the project, your creativity, your willingness to work around the clock, constantly learn and be receptive to new ideas and trends. Be prepared to attract friends and acquaintances when you start with a zero budget. For example, they can test how relevant and in demand your products or services are. Check if they are ready to buy them? If so, move on to the next stage - generate demand and collect pre-orders even before the product is in your hands or the service is ready for sale, before you invest in it. No budget - rely on word of mouth and networking, the more people know and talk about you, the more help you get, the sooner you get your first sales. "
The question "where to get the money" is very active among the entire population. He usually refers to questions of household appliances, food.
And the answers are more or less standard - to earn money or a loan. Earning for start-up capital can be very problematic, and not everyone wants to take out a loan for a risky business. After all, you can burn out, spend a lot of time, and still remain a debtor.
But, most people just don't know how much different ways can be cited, answering the question: where to get money for a business from scratch.
Getting money to start a business is pretty easy, and this article will fix this glaring lack of education. What are the ways to get the required amount?
The general list looks like this:
- Contact business angels;
- Diversification of capital;
- Sale of property;
- Personal savings;
- Credit;
- Subsidies as aid from the state.
Business angels
Unlike their heavenly counterparts, they are in no hurry to open their arms to meet all ideas. Business angels are people who specialize in finding quality and potentially profitable business ideas in order to give start-up capital to a budding entrepreneur, who in turn gave them a stake in the business.
Those. In a simplified way, the scheme is as follows - an angel gives money to start, and in return he receives a certain percentage of all the profits of the enterprise. But getting through to them is not such an easy matter - just remember the example of Christopher Columbus, who for 7 years was looking for someone who would take on the financial expenses associated with the expedition that opened the New World.
Business angels can act either alone or as part of unions or associations. Finding an angel who will like a business idea is much easier when looking for just such an association.
Indeed, in addition to active investors, there are also passive investors or candidates for investors who, when admitted to associations, show a good level of vigor in their search.
When working with them, confidence and perseverance helps, because it may be that at first glance they will not be able to see good idea... In general, the old principle of "knock and they will open" applies here.
Even if 5 or 10 investors refuse to finance the venture, this is not a reason to stop their efforts. History is full of instructive examples of how people who could not even get approval hundreds of times found their "investor" and successfully became millionaires or even billionaires.
Diversification of capital
A good method that is used not only by people who are wondering where to get money for a business from scratch, but also by those who decided to expand the enterprise.
This method is about redirecting cash flows or starting a business that can pay off quickly and help raise money for the business of your dreams.
Simple distribution involves giving up your usual spending items in order to get the amount you need to start a business.
For example, there is Mitrofan, who wants to open his own smithy. But its opening requires a significant amount - 900,000 rubles. But Mitrofan is also an excellent climber, and he decides to make some money by cleaning windows in office buildings.
There is not much competition here, there are skills and equipment - why not try it? After the first successes, you can also connect your friends in the mountaineering business, which will significantly increase the profitability and profitability of the enterprise, and the opening of the forge in this case will be approaching by leaps and bounds. This is what an example of a case looks like, which does not require significant investments and quickly pays off.
Sale of property
It is also possible that investors are not expected and then the only visible way out seems to be the sale of unnecessary property. It is good if you have a "spare" car or apartment or expensive Appliances... In such cases, they can be realized in order to receive the required amount to start a business.
But there are also such risky people who are ready to sell their property and live in rented apartments for the sake of opportunity. In such cases, losing everything is not at all a ghostly something, but something that can happen in reality.
Such a risky game can lead to heightened struggle for the future and success, because everything is at stake. But in case of slippage or failures, a person can fall into severe depression, which can negatively affect a person's fate and lead to a sad result.
Personal savings 
This method is suitable for people with high wages when you can safely save in a savings account in a bank or invest in stocks large company so as not to lose your money.
In addition, when starting a business, when the business has not yet entered into full force, it is very good to have an additional foundation in the form high-paying job.
After all, the most obvious answer to the question of where to get money for a business from scratch is to make money!
If there is no high-paying job, then you should maintain a saving mode and look for a part-time job.
There are also longer options - one of them is to learn programming, the basics of which can be understood in a month or two, to practice by completing paid tasks on freelance exchanges (for which they pay very well) and thus collect money for an enterprise or find it through that the exchange itself has a permanent job with a high salary.
Credit
Loans can be obtained not only in banking institutions. In addition to them, credit unions or pawnshops can help with start-up capital. In the last two establishments, you can get the required amount with a number of additional clauses that cannot be found in a bank agreement or at a reduced value of the collateral. If you need small loans, you can turn to the so-called "credit cafe".
A feature of credit unions is that they are created for financing certain areas of activity. If you want to try yourself in restaurant business you can look for a union that specializes in this part of the service industry.
When contacting a pawnshop, you must be prepared for the fact that the amount of money offered for a thing may be several times less than its cost. But the plus is that it can be bought back.
Subsidies as aid from the state
A very good start that can be given, and about which many do not know. In the Russian Federation, a business support program is being carried out, which allows you to get start-up capital for starting a business, because from the point of view of the state, business is not only taxes, but also new jobs. The action plan looks like this:
- Unemployed people need to register at an employment center;
- Declare to the state about the desire to open their own business;
All expenses that are usually associated with the opening individual entrepreneur or the state takes it upon itself. - Take an entrepreneur training course, pass all the necessary tests;
- , in which everything will be extremely clear;
Transfer it to the supervising business inspector. There is also such a trick: to increase the chance of approval of the idea, you can indicate that the product or service will be beneficial to the disadvantaged segments of the population (if this is true). - If it is decided that the idea is worthy, then it will be necessary to personally defend it, answering the questions that arise, in order to show the seriousness of the plans and that this is your idea;
- Complete all registration procedures after government approval of the business plan.
Receive a subsidy in the amount of 60,000 rubles and start acting.
The number of starting businessmen is steadily increasing every year. An increase in their number has a positive effect on economic indicators the country as a whole and meets the ever-growing needs of the population.
Financial support from the state contributes to the emergence of new small and medium-sized businesses. The authorities of a particular region are trying to introduce methods of assistance: various benefits, subsidies, as well as material payments. How do you get this kind of support? Let's figure it out.
Which of the entrepreneurs can count on help from the state?
The state mainly provides financial support to small and medium-sized business owners. To find out if your company belongs to this category, you should pay attention to the number of employees and the value of the annual turnover. The following types 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 receive assistance, companies must meet the following requirements:
- the duration of existence from the moment of opening - no more than 2 years;
- the company is registered with the tax office;
- SMEs are not taxed.
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 priority ones. To apply for gratuitous assistance, a businessman must work in one of the following areas:
- Manufacturing of consumer goods.
- Popular directions of folk art.
- Rural and ecological tourism offers.
- Housing and communal services.
- Agro-industrial department.
- The field of science and technology, as well as innovation.
How to get help from the state for the development of small business 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 business appears on the economic map, providing citizens with jobs, and competition with existing companies increases, which helps to improve quality and stabilize prices.
But together with the conclusion of the subsidy agreement, the entrepreneur agrees to fulfill some obligations. The main one is to provide detailed reporting.
Within 3 months from the date of receipt of financial funds from the state, a businessman is obliged to submit a report to the Employment Center with documents on the use of the subsidy. 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 a 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 assume that the activities of the financed small business must 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 authorities and organizations with the necessary authority. Here are some of them:
- City administration... The Department economic development provides information on the types of financial support for small businesses.
- Chamber of Commerce and Industry... In this institution, they provide 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 finances for the activities of a small enterprise.
- Business incubator... This organization is engaged in infrastructural support for the ideas of entrepreneurs at all stages of development, starting from the moment of opening.
- Venture fund... He 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 training, the right to take part in exhibitions, etc.
After contacting the above authorities, you will receive a list of required documents... Here are the papers on this list:
- Passport and TIN of the entrepreneur.
- Insurance certificate (SNILS).
- A certificate from the accounting department of the last place of official employment, which contains information about the salary three months before the end of the work.
- Education certificate.
- Application of a program participant for receiving financial support from the state (in a specially approved form).
- A ready-made business plan.
Money from the Employment Center
The most common way for entrepreneurs to get help is by contacting the Employment Center. How is this procedure going?
The first step is to register at the Employment Center and obtain unemployed status. This is a prerequisite, since the state allocation of funds is required only for 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;
- family status document;
- education document.
Then you need to draw up a business plan. with a detailed description of the project, targeted distribution of funds and an indication of the payback period. The third step is to register a business as an individual entrepreneur.
The regional commission examines the package of documents within 60 days. If a positive decision is made, an agreement will be concluded between the applicant and the Employment Center, and the funds will be transferred to the recipient's account. The Commission may decide to compensate only certain expenses, for example, registration and opening of a small business. If the applicant receives a notice of rejection, he can try again.
Newbie Business Grants
This type of allocation of funds from the state involves helping novice businessmen to start a business and those who have been engaged in entrepreneurial activity for no more than two years. The following organizations have the authority to distribute grants:
- Department of Economic Development.
- Small and medium business support funds.
- Alliances 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 legislation, payments are not received by companies that produce wine and vodka products, tobacco products, luxury goods, work with real estate or engage in gambling activities.
Remember that the allocated money is channeled to cover 30 to 50% of the total project cost. The businessman should look for the remaining finances for the development of the business on his own. Don't be afraid of investment, it might be.
The entrepreneur must provide the following papers:
- Documents confirming the absence of other sources of financial support.
- Certificate of registration of an individual entrepreneur or LLC and a business plan.
- Bank statement on the amount of your own finances.
- Certificate of positive credit history.
The Industry Commission then decides on the disbursement of funds. The maximum amount of a monetary grant is 500 thousand rubles (in Moscow and the region - up to 5 million rubles).
The priority for the state is the unemployed, young entrepreneurs, former military personnel, families with young children, etc.
Subsidization program
Government plans to subsidize small businesses are implemented at different administrative levels. Therefore, they can be systematized according to the scale and amount of allocated funds:
- Federal programs... They are implemented nationwide, and they are also characterized by a large amount of allocated money for financial support for the opening and development of SMEs. Hallmark is the fact that such programs work mainly with large-scale business projects, whose owners are already conducting commercial activities.
- Regional programs... They work in the territories of the administrative regions and manage the regional or district budget. The purpose of such programs is to develop the infrastructure of an entire region.
- Local programs... The scale of implementation is working with city or regional entrepreneurs. Subsidies are limited to small amounts of funding.
From features state program depends on the amount of assistance received, the form of its provision, as well as the list of necessary documents for processing the application. The larger the scale of the program, the higher the competition and the more stringent the selection rules. A small business owner should consider this.
Concessional lending
Categories of small and medium-sized commercial entrepreneurs who are unable to receive financial support from the state can apply for preferential 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 questions you are interested in regarding assistance, you can contact banking institutions or credit communities directly, as they also have credit programs for novice businessmen.
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. A prerequisite is also investment and investment in the project of the businessman's own funds. Their number is determined as follows:
- 20% if the loan amount is more than RUB 500 million or if the loan is planned to be repaid 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 fluctuates 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 the money from the state be used for?
As mentioned above, the subsidy process is a donation of funds to help start up and run a business well. Concessional lending and other assistance programs also have simplified terms and a reduced interest rate. 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 a plot of land (no more than 20% of the principal amount is allocated to cover these costs).
- Replenishment of working capital.
- Equipping workplaces.
- Purchase 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).
- Works related to renovation and opening.
- Intangible assets.
The entrepreneur draws up an annual report, which indicates what exactly the received subsidiary income was spent on. Also, it is necessary to submit certificates and receipts to the control authorities.
Intangible Small Business Support Options
Nowadays, the state is ready to help start-up businessmen of small and medium-sized enterprises not only by increasing capital. There are several other forms of support:
- Opportunity free training ... Why in the early years of activity, many entrepreneurs, faced with problems, leave the business? They simply do not have necessary knowledge about running your own business. Such educational skills (such as how to lead) help in development, but are expensive, so not everyone can acquire them. The state provides start-up businessmen with the opportunity to study free of charge on courses, as well as attend various seminars and lectures. The applicant is obliged to submit the appropriate documents to the necessary authorities: paid invoices, certificates of completion of training or concluded contracts. The payment will cover half of the costs, but for an amount not exceeding 40 thousand rubles per year.
- Reduction of rent... Another support option is discounts on the cost of renting premises where offices or production are located. Remember that you can only get such a discount if the building is municipal property, and the lease is concluded for a period of more than 5 years. Every year the preferential rate increases (from 40 to 80% of the rent), and for the subsequent period the entrepreneur pays the full rate. A prerequisite is competitive selection to determine a worthy candidate. The winner will receive additional assistance to pay for communications.
- Compensation for participation in exhibitions... To popularize and further develop, small business owners can take advantage of subsidies to participate in national or international exhibitions... Based on the selection results, the state can help pay the costs of registration, space rental, 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. Prerequisites for receiving compensation for a small business: a statement, 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 start.
On the other hand, the conclusion of an agreement with the relevant government bodies obliges entrepreneurs to submit detailed reports and monitor the targeted use of funds. Therefore, every businessman should study the features of existing support programs and the requirements for them. Then he will be able to make the most of the help and fulfill his obligations.
