Free grants for small businesses. Tax incentives for start-ups and existing entrepreneurs

Many aspiring entrepreneurs face financial difficulties at the stage of establishing a business. The easiest way to solve this problem is government concessional lending. There are many programs under which the state allocates funds to developing enterprises at low interest rates. What you need to do in order to get a soft loan as an aid to small businesses from the state in 2019, we will tell you in this article.

prospects

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

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

Types of state assistance to small businesses

Federal programs

For 10 years, the government of our country has been allocating funds to regional budgets that are intended to support small businesses.

The following can count on helping businesses in a crisis from the state:

Start-up entrepreneurs;
Manufacturing enterprises;
Companies that are engaged in ecological tourism;
Organizations whose activities are related to folk art.

Small business support

It should be noted that assistance to small and medium-sized businesses from the state is expressed not only in financial support, but also in the provision of various free services.

It could be:

Training (seminars, trainings, etc.);
Consulting on legal and economic issues;
Organization of fairs and exhibitions to promote goods and services;
Security land plots and industrial premises.

Subsidy from the Employment Center

Everyone knows that before you need to find start-up capital. If you do not have your own savings, do not immediately run to the bank to get a loan. Aspiring entrepreneurs can get government assistance to start a small business through the labor exchange.

For this you need:

Register with the employment center as unemployed;
Develop a competent project with calculations and detailed description planned activity;
Apply for participation in the competition.

The committee will review your plan and make a decision. If it is positive, you can register an individual entrepreneur or LLC, receive money and start working. Such financial assistance from the state to small businesses is issued free of charge, but the entrepreneur must submit to the regulatory authorities a detailed report on the intended use of funds.

Property support

There are several more types of assistance to start-up entrepreneurs from the state in 2019:

Before submitting an application for participation in the competition, you need to collect all Required documents, including confirmation that you have not previously received any grants or cash subsidies. In addition, you need to be trained in special courses entrepreneurships that work under regional small business support funds.

Credits

If for some reason you were denied gratuitous financial assistance, you can get a loan for a small business from scratch from the state at 5-6% per annum.

This type of state support is available for enterprises:

Engaged in the development of innovative production;
Focused on import substitution or production of export products;
Engaged in the production of oil and gas equipment.

In other words, soft loans to small businesses from the state in 2019 will be available to enterprises that operate in priority sectors of the economy.

Procedure for obtaining a soft loan

How to get help for small businesses from the state in 2019? First of all, you need to contact the partner fund bank, provide all the necessary documents, and submit an application. After that, you need to wait until the bank considers your application and makes a decision. If the borrower is unable to post collateral, financial institution sends by e-mail documents of the client and an application for a guarantee to the above fund.

The application must be considered within three working days. If a positive decision is made, an agreement is drawn up between the credit institution, the fund and the entrepreneur. Insofar as we are talking about profitable, before making a decision, the fund conducts a thorough analysis of the borrower's business in order to assess its financial stability.

Where and how to get a loan for a small business?

It should also be noted that a loan from the state as an aid to small businesses can also be obtained from a regional or municipal fund. Beginning entrepreneurs are given small loans for a short time. Microcredit is great for businesses with short production cycles. If things go well, the businessman can count on more impressive assistance to small businesses from the state in 2019.

Another profitable tool for concessional financing is a back-to-back loan. This option can be used to implement . The state issues small loans that are intended to repay the main loan. Thanks to this, the client receives a deferral of interest payments for up to one year. During this period, he can safely engage in the development of his business.

The easiest way is to develop some kind of innovative project. In this case, you can count on active support from the state, since such activities have a positive effect on the development of science.

To whom are soft loans issued?

To date, preferential lending for start-up entrepreneurs has become available in many banks. Preferential conditions in different credit organizations have significant differences, but despite this, the main trend can be identified - this is a low interest rate, a long loan repayment period and a simple registration procedure. Concessional lending is an ideal option for implementation.

Since much less funds were allocated for federal subsidies in 2019, the regions will finance only the most priority areas of business activity - Agriculture, innovation, scientific and technical development, production of essential goods. According to experts, this is social sphere and housing and communal services. These activities receive comprehensive support from the state.

There are also restrictions on obtaining soft loans. Such a loan is not eligible for persons who:

Bankrupt or on the verge of bankruptcy;
In the past, they received a soft loan, but did not repay the debt;
Have any debts to government agencies.

Do not forget that small business assistance programs from the state may differ depending on the region. Therefore, before applying to the Small Business Support Fund, you need to carefully study the provision on the guarantee. In some cases, the fund provides a guarantee not for the entire amount of the requested loan, but only for a part of it;
If you provide reliable collateral and correctly execute all documents, the likelihood of obtaining a soft loan under the microfinance program will increase significantly;
Before you get help for small businesses from the state at the Employment Center, carefully think again whether you can account for all the funds spent. The subsidy can be spent only in strict accordance with the business plan. All expenses must be confirmed by checks, receipts and other payment documents. If you know exactly how to increase your capital with a small amount of money, you can safely apply for such help.

findings

State support programs are the most The best way, . The opportunity to develop your own business at the expense of budgetary funds can be found in any region. The most important thing is perseverance and desire. Good luck!

In 2018, 11 billion rubles were allocated to the federal budget for subsidies to small businesses from the state. This amount is much lower than in the previous one. The difference is significant: in 2017, 17 billion rubles were allocated. The reason for the reduction was the financial crisis.

But the small business finance industry continues to evolve. The need to provide subsidies is associated with the lack of start-up businessmen start-up capital. In this regard, there are certain conditions and nuances for obtaining state aid.

Definition

Subsidies for the development of small businesses are a special measure of government support designed to finance start-up entrepreneurs. The main directions for its implementation are indicated in.

The state goes to meet young businessmen. In 2018, the opportunity to receive funds for the development of your business is provided in all regions of the country.

Opening a new business is beneficial not only to the entrepreneur, but also to the state.
It pursues certain goals, thanks to which the development of small business contributes to positive changes.

Increasing the number of jobs in the country. By creating enterprises (both small and large), the manager provides additional vacancies for the residents of his city. The more potential jobs, the lower the unemployment rate in a particular region.
Increase in GDP. The growth of small and medium-sized businesses contributes to the improvement of the economic situation in the country. Financial resources states are replenished by tax contributions. Healthy competition is created in the market: demand rises, prices come to the average and stay at the same level.

Thus, a subsidy is a help not only to a novice businessman, but also to the country's economy as a whole.

To whom are provided

Almost any citizen aimed at creating a business can receive a subsidy. But it must meet a number of requirements. These include:

coming of age;
legal capacity (the ability to realize the meaning of one's actions and manage them);
availability of a business plan and other documents necessary for obtaining subsidies.

According to the law, the following categories of citizens can receive support for opening and developing their business:

unemployed;
related to the group social protection(the poor, the only parent in the family, the disabled, former military personnel);
all other adults who decide to open a business.

Advice
The creation of an enterprise and the opening of any business presupposes the status of an individual entrepreneur. The registration of IP should be taken care of in advance - before applying to the state for financial support.

Types of subsidies

Subsidies have different purpose. It is determined depending on the target direction of the business and social status potential entrepreneur. However, there are three main categories.

Table 1. Types of subsidies for small businesses.

To receive funding you need:

have initial capital (its presence is confirmed by title documents for real estate or assets);
choose a designated purpose supported by the state (not all business areas are included in the subsidiarity program).

But specified requirements is not always enough. There are many applicants for subsidies, and budget funds are limited. Therefore, issuance Money takes place on a competitive basis.

Special conditions for Muscovites

For residents of the capital special types funding to obtain subsidies on more favorable terms.

Moscow entrepreneurs can receive up to 500,000 rubles to develop their business. But they need to meet a number of requirements:

the period of activity in which a citizen is engaged must be at least six months and not more than two years;
the entrepreneur needs to prove his financial activity. To do this, you need to provide reports, invoices, checks and other papers.

Subject to all conditions, a businessman should contact the State Budgetary Institution "Small Business of Moscow". The commission will make a decision based on the submitted documents.

What can you spend on

Target money can not be directed to all types of activities. The state supports only socially significant industries. Among them:

Exception: the types of activities specified in parts 3.4 of article 14 of the Federal Law N 209 “On the development of small and medium-sized businesses in the Russian Federation” are not funded.

Advice
You should be conscious in choosing the direction of your business. To increase the chances of subsidies being approved, it is preferable to choose those industries whose development is necessary in the region where the entrepreneur lives.

There are areas for the opening of which the state does not issue money. This is primarily the production of alcoholic and tobacco products. As well as all types of their distribution (sale, import, processing).

Along with this, there is a limited list of targeted spending. It is on them that, as part of their business, a citizen can direct public money. Their list includes expenses:

for the purchase of raw materials;
for the purchase of equipment for the production of goods and services;
for renting premises;
to receive ownership of intangible assets.

It is forbidden to spend the subsidy on other investments (especially those not related to the functioning of the business).

Peculiarities

State subsidiary support has its own characteristics:

Gratuitousness. The money received (subject to its legal use) does not need to be returned. A subsidy for starting a business is not a loan. It is provided as initial capital and does not imply a return.
Purposefulness. The funds received can only be spent on the intended purpose specified in the business plan. If the fact of waste for other purposes or for personal purposes is discovered, the entrepreneur will be obliged to reimburse the full amount of the subsidy.
Report. Every year, a citizen must submit a report on the funds spent. The first reporting is carried out after three months from the date of approval of the application.
Time frame. Important condition granting a subsidy: the enterprise must operate on a permanent basis. The contract between the state and the entrepreneur specifies the minimum duration of the business for a period of one year. This is how the government fights against "one-day firms".
Transparency in the use of funds received. Each spending of target money is controlled by the state. All unspent funds must be returned.

It is important to consider these nuances before applying for participation in the state program.

Documentation

For start-up entrepreneurs, there is a special list of documents required to receive state support.

Table 2. Documents required to receive a subsidy.

Document	Note
Identification	The original and a copy of the document are provided. An important condition: the passport must be issued on the territory of the Russian Federation.
Taxpayer Identification Number (TIN)	The tax certificate should be obtained in advance. Without this document, it is impossible to open an IP.
Insurance certificate (SNILS)	A copy and original of the document is required.
Education document	A copy and original of the document is required.
Help from accounting last place work	Must contain information about the salary for the last three months before the day of dismissal.
Application of the participant applying for a subsidy	Compiled in writing in the approved form.
Business plan	It should contain detailed information about the direction of the business, planned expenses and income, and the expected payback period. It is one of the fundamental documents on the basis of which a decision will be made to grant or refuse a subsidy.

Advice
Writing a business plan should be given Special attention. The decision of the commission depends on its quality and level of profitability. Illiterately drafted business ideas with obviously unprofitable activities will be rejected.

How to get the

Grants can be obtained from one of the following institutions:

Employment Center, including its regional offices (relevant for unemployed citizens);
Department of Entrepreneurship;
local administrations operating at the level of individual regions.

After choosing an organization, you must follow certain instructions. The sequence of actions increases the chances of approval of the subsidy.

If the entrepreneur is not unemployed

If a person is not registered with the employment center, but wants to receive a subsidy, he needs to complete the following steps.

Choose the type of activity that the future entrepreneur plans to develop. This is a key moment on which the success of the business as a whole depends. You need to choose only directions allowed by the state.
Make a business plan. It should be logically built, structured and contain all key points target activity. If a citizen is not sufficiently aware of how to do this, he should seek help from professionals.
Register as an individual entrepreneur. To do this, you must file an application with the Federal Tax Service. The term for issuing an IP is 5 working days.
Submit an application to government agency. Important: the institution must specialize in subsidizing small businesses.
Predict the approximate costs of opening and developing a business. The received data must be provided for review by the commission.
Collect a package of documents. Their list should include papers important for obtaining a subsidy (passport, TIN, income statement, etc.).

Within 60 days, the commission will make a decision on issuing a subsidy for the development of small businesses. The citizen will receive a registered letter with a reply. If it is positive, the money is transferred to the recipient's personal account. In the event of a refusal, the notice will state the reason for the refusal.

If a citizen is unemployed

The Employment Center provides subsidized financing. Therefore, before submitting an application, an unemployed citizen should contact the specified body and register.

After obtaining the status of unemployed, you must follow the same procedure as when applying for a subsidy as an ordinary entrepreneur:

collect and prepare documents;
get IP status;
apply to an authorized organization with a statement;
wait for the committee's decision.

So, when starting a business, an entrepreneur can receive state support. Its size is limited and cannot exceed 300,000 rubles.

To receive a subsidy, it is necessary to collect a package of documents and issue an IP. With a positive decision of the commission, a novice entrepreneur will be able to receive financial assistance for business development.

There is a lot of talk about supporting young and not so start-up entrepreneurs, we all heard about various federal programs to help the organization. At the same time, many people are very skeptical about such projects.

What can a young man who decides to open his own business really count on? Let's try to figure it out.

What kind of help can a start-up entrepreneur get?

Several options and directions of support are possible. Let's start with the most attractive and tempting - with grants and subsidies.

Material aid, loans and grants are the most desired form of assistance. In fact, there are two main ways to get money, they are relevant for the whole of Russia.

60 thousand to start a business

A fairly well-known program to support small businesses, or rather, the transformation from the unemployed to. They give out not 60 thousand rubles, but 58,800 - this is the annual amount of unemployment benefits. This program is absolutely working (no wonder - the amount is small, and this money is paid by law to the unemployed anyway).

To get this money to start your own business, you need to go through a series of steps. To some, they may seem tedious and superfluous, but in such a situation there are pluses: namely, additional knowledge on the organization of the case.

What needs to be done to get 60 thousand for a business?

Here are the main steps:

1. Registration at the local employment center as unemployed, confirmation of this status (in some cases, you have to go to interviews repeatedly to demonstrate that you are looking for a job).

2. Submission of an application for participation in the program of self-employment of the population. Further steps are already performed under the supervision of employees of the employment center.

3. (Not in all regions) After the application, you undergo a short training - the basics of doing business, as well as psychological testing that reveals a propensity for self-employment, private entrepreneurship.

4. Consideration of a business plan by a special commission. In the case of a satisfactory assessment, the grant can be considered received.

5. Registration of IP, standard procedures.

6. After receiving a certificate of registration (usually within a month), money is transferred to the bank account - the same 60 thousand (more precisely - 58800) rubles.

7. At the end of the quarter, you must provide a report on the use of the money received.

Is it worth applying for such "lifting"? It depends on whether you are ready to go through all bureaucratic procedures for the sake of this money (of course, you need to register as an emergency in any case) and whether you consider the proposed training useful.

Grants from regional authorities

Many regions also regularly host a competition of business projects, the winners of the competition have the opportunity to receive a gratuitous grant in the amount of more serious - about 300 - 500 thousand rubles. The competition in such competitions is usually very high, but with a serious approach, it is quite possible to become one of the winners, especially if you make efforts for high-quality design and presentation of the project, and also take into account that projects that have the maximum chance of winning:

socially significant;
involve the use of grant funds for the acquisition of liquid assets (machines, equipment, vehicles);
create additional jobs.

Non-financial support

In addition to the actual money for the development of the business, government agencies allow you to use their other services. So, many business incubators have already been created that can offer beginners, for example, the following:

lease of premises for offices at a reduced price;
analysis and evaluation of projects;
advice on taxation and the choice of legal form.

Moreover, getting help in such a business incubator is usually quite simple - few people know about them, and therefore such structures usually work with “underload”.

Thus, it is quite realistic for a novice businessman to receive certain services and funds from the state. Although, of course, the volume of such support can never be compared with full-fledged loans from banks. On the other hand, the support of the incubator can become an additional argument when the bank considers whether or not to issue a loan to you.

Recently, the word "subsidy" has gained high popularity.

Increasingly, people use it, while implying only a narrow circle of areas where a subsidy can be applied. Many are sure that this is just an opportunity for low-income citizens to receive some assistance from the state in paying utility bills.

Beginning entrepreneurs often do not even think that the state can pay under the same conditions as ordinary citizens, namely - without requiring a return.

It is hard to believe that a small business subsidy is not a loan and does not need to be repaid. Moreover, this is not even an investment, and no one will require a percentage of the profit from the entrepreneur.

The state is interested in business flourishing, as new enterprises not only increase the productivity of the region, but also create new jobs. But still, it will be necessary to prove this with calculations and facts, presenting information in the form of an intelligent business plan.

Given that this money will not be required back, there are many who want to get such financial assistance.

Therefore, in addition to a well-designed plan, there are a number of conditions under which this amount will be accrued. And yet there are certain circumstances in which the state still has the right to demand a return.

1. Conditions for obtaining a subsidy for small businesses

Despite the fact that this assistance is required by law, not everyone can get it. This would be at least disadvantageous for the state and the employment service.

In the event that an entrepreneur applies for a subsidy, it must be drawn up correctly, calculations must be made to the smallest detail, and all expenses must be confirmed.

But even if all the conditions are met, there is a list of requirements for who can receive funds for the development of small businesses from the state.

Requirements for a candidate who applies for a small business grant

Age from 18 years old (adult).
Younger retirement age(does not receive a pension).
Must be in the employment center.
Not an active business owner.
Does not receive payments from the state (disabled, etc.).
Not on parental leave (women on maternity leave).
If students, then distance learning (not a hospital).
Not registered with law enforcement agencies, in custody or under investigation.

2. What are the types of subsidies?

Existing subsidy programs for small businesses in Russia differ only in their purpose. The amount of payments and selection criteria differ from each other based on which industry the company belongs to. this species activities.

The following sectors are most advantageous for the state:

agriculture (livestock, etc.);
production activity;
activities aimed at social development countries;
scientific activity.

It is worth considering the fact that in different regions and regions of the country there are completely different industries that need to be developed.

It makes no sense to hope for a big help in the development of the production of packaging materials, if there are already a sufficient number of plants in the region that fully satisfy the demand for their products.

For example, in the city of Moscow, maximum amount subsidies for one individual entrepreneur will be up to 300,000 rubles, and then only if all conditions are met to the maximum. On average, the amount you can hope for will be about 60,000 rubles.

Before addressing the question of if an entrepreneur is hoping for a subsidy, you need to carefully examine in which areas there are “gaps” in your region.

Local employment centers will gladly help close them, while providing jobs for people who have the right skills and education.

Also, there is a concept as a subsidy for participation in a specialized exhibition .

This means that the individual entrepreneurs return the amount that was spent to take part in the event, according to their profile of activity. But such assistance cannot be more than 70% of the money spent, and also not more than 300,000 rubles.

Sometimes, the help of public services lies in the fact that it returns part of the amount of interest on a loan that was issued to a small business organization (no more than 5,000,000 rubles). In this case, the amount of the loan itself is not compensated.

It is also important that the loan agreement should indicate what the funds are going for, since this cannot be cars, or working capital enterprises.

Another type of subsidy calculate partial refund of lease payments . Since, in this case, it is also possible to demand assistance from the state in the amount of up to 30%, within 5 million rubles.

3. How do I register with the Jobcenter for the Small Business Grant?

Since it is clear from the above that there is no way without an employment service, it will be necessary to register with them. You must visit the center that corresponds to the place of residence, taking with you a stack of certain papers. You can find the address you need here - https://trudvsem.ru/czn.

These are the following documents:

Passport of a citizen of the Russian Federation.
Tax identification number.
Diploma of graduation from educational institutions (if there is a higher / secondary specialized education, then about graduation, if not, then about finishing school).
Labor book.
Documents from the last place of work (optional).

A more detailed list of the documents they require can be found at the information boards in the very center you visited, or on the website ( https://trudvsem.ru)

Organizations may send a registered person for multiple interviews. He has no right to refuse them. Therefore, before carrying out your small business development plan, you will have to visit several jobs.

It is important to know: in the event that a registered citizen refused the vacancies provided to him (did not come for an interview), he can apply again only 10 days after the refusal, after which he will again be offered several vacancies.

4. How to draw up a business plan in order to receive a subsidy?

When creating a development plan for your small business, which is needed to receive a subsidy, you must take into account all the requirements of the state. This means that in addition to the standard set of documents and calculations, you need to provide something that indicates the seriousness of intentions.

The business plan should include the following parts:

Information about .
Type of activity and goals of the company (Charter).
Entrepreneurial activity codes OKVED.
Field research (supply and demand).
Marketing research.
Agreement for the lease or purchase of premises.
Contract with suppliers of raw materials and equipment.
Enterprise funds (current and non-current).
Possible markets.
The number of jobs created.
Calculation of expenses for the enterprise.
Approximate calculation of income and net profit.
Payback periods.
The amount of investment needed.

This list can continue depending on what exactly the company will do. Obviously, in the case of production, additional licenses will need to be provided.

In general, one can understand from the outset whether this small business is beneficial for the state in order to determine whether it is worth counting on a subsidy or not.

What details of the business plan will reduce the chance of receiving a subsidy for a small business?

An inaccurate amount of necessary investments in the business is indicated.

You should not round it up to an even number, as this can cause a distrustful attitude on the part of any investor.

Small plan business development indicates a frivolous attitude to the project. You should not even try to promote a small business project with a plan of up to 20 pages.
Absence in terms of tables with calculations, graphs and studies, as well as any other evidence that at least some work has been done.

5. Features when receiving a subsidy for small businesses

a) In what situations will you have to return the funds to the state?

Receiving a subsidy occurs on an absolutely free basis, but, nevertheless, there are certain conditions, or rather exceptions, in which you may be required to return the funds issued.

Their list includes such cases:

not spent during the first year (if not the full amount of the payment is spent, then the balance must be returned);
the necessary documents were not provided to confirm the targeted spending of money;
missed deadlines for submission of all reports;
misappropriation.

What cases are considered to be the intended use?

For the purchase of production equipment.
For raw materials and materials for the manufacture of products.
Purchase of blanks.
Acquisition or lease of premises for production.

b) What increases the likelihood of receiving a subsidy?

Business means creating new jobs. The more employees you need, the more likely you are to receive a subsidy.
Chances are higher if your small business offers high income specialists in various fields.
If this is a production or scientific activity, the purpose of which is the manufacture of innovative products.
If an entrepreneur contributes a large amount of personal funds to a small business.
Provision of partnership agreements or contracts with suppliers, landlords, etc. for a long period.
The entrepreneur has experience in the field in which he plans to open a business.
The idea has a high profitability, since, in this case, all the invested funds will return to the state under the guise of taxes paid.

6. Positive moments and disadvantages in obtaining a subsidy for small businesses in Russia

If such a phenomenon as a subsidy had only a positive side, more and more entrepreneurs would turn to the state instead of looking for investors and taking out loans for business.

But anyone who has ever encountered public services(even if it is a polyclinic), he understands: this is all bureaucracy, which has a number of nuances.

Instead of just registering a business and starting to implement plans, it will be necessary to go through a long chain of employment center workers who will send each other several times.

All this takes a lot of time + you will need to collect many different documents, certificates and seals, an approximate list of which you saw above.

Do not forget that not every business will receive, but only that which will benefit the state.

However, there are also bright side: the money will not have to be returned if you spend it on your small business for its intended purpose. And this is a significant plus, because not a single hundred firms were "ruined" due to lack of funds to pay huge loans or invest in development.

If you have the time and desire to get it right, the small business subsidy option can be a huge help.

7. Options for finding investments other than subsidies

Have you been "under the distribution" of subsidies for small businesses? Do not rush to get upset. After all, there are investors who are looking for a startup in which they can invest money in order to make a profit in the future.

Let this method of obtaining funds for business not operate free of charge, but there are no such strict requirements and restrictions + conditions are more loyal than when obtaining the same loan from a bank. All you need to do is provide interesting idea and a good business plan.

Here are some of the investment companies you should look out for:

Runa Capital is an international fund, knowledge of English is welcome ( http://www.runacap.com/),
"Almaz Capital" ( http://www.almazcapital.com/) – invest in IT,
resource "Investtalk" ( http://investtalk.ru/investori) other.

Conclusion on the appropriateness of a subsidy for small businesses as an investment

It's obvious that small business subsidy will not fully cover the bulk of the costs for most business ideas. However, this will greatly simplify the task for a novice entrepreneur.

It is difficult to disagree with the fact that it is much more profitable than loans. At least, because a huge debt will not hang like a stone at the enterprise and slow it down in case of the slightest difficulties.

How to get free money for business from the state?

The diagram is very interesting, pay close attention:

But this option is only suitable if the entrepreneur has enough patience, time and effort. Otherwise, it is better to seek financial assistance from investors or find co-founders who are also willing to invest a significant part of the funds in this business.

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