Subsidies for entrepreneurs. What details of the business plan will reduce the chance of receiving a subsidy for a small business? When the subsidy is not given

The government of our country gives Special attention small business development, therefore it provides comprehensive support to start-up entrepreneurs. Everyone knows that for the implementation of any project, you need a certain start-up capital, which not all novice businessmen have. Small business subsidies from the state in 2018, aimed at developing the economy, will help you start your own business with minimum investment. How to get such help, we will tell you in this article.

Types of subsidies

Last year, 17 billion rubles were allocated to the federal budget for subsidies to small businesses from the state. In 2018, due to the crisis, this amount was reduced to 11 billion rubles. This money, most likely, will be directed not to the implementation of new projects, but to the completion of the started ones. But, despite this, if you try hard, you can still get a subsidy from the state to start a business.

As part of state programs to support start-up entrepreneurs, you can receive money from:

• employment center;
• Department of Entrepreneurship;
• local administration.

In addition to financial assistance, the state offers start-up entrepreneurs:

• Free internships;
• Preferential participation in various exhibitions and fairs;
• Free outsourcing;
• Education at the expense of the state.

Entrepreneurs can also take part in various competitions, for victory in which a large monetary reward or grant is provided. If you are interested in how to get money for business from the state, useful information can be found online or at your local job center.

Subsidy Scheme

gratuitous help

Now let's talk about how to get money for business from the state in 2018 for free. Such assistance can be of the following types:

1. 1. Grants. Such a business subsidy from the state to start-up entrepreneurs is allocated from the local or regional budget. It can be obtained with an approved business plan. As a rule, the amount of the subsidy does not exceed 300 thousand rubles. It is also worth noting that only those start-up entrepreneurs who are able to invest half the amount needed to implement the project can count on receiving money from the state to start a business in 2018. This means that you pay half of the expenses from your own funds, and the state provides half;
   2. Government subsidies for business development. This assistance is usually experienced businessmen who want to expand their business and create new jobs. The subsidy has a specific purpose. It is issued for the purchase of equipment or other assets. In some cases, the amount of assistance is 90% of the total cost. Maximum size subsidies to small businesses from the state in 2018 - 10 million rubles;

1. Grant from the employment center for the unemployed. A person who for some reason lost his job can receive all payments and insurance compensation for one year at the local employment center. In return, he undertakes to open his own enterprise. If an entrepreneur officially hires a person registered with an employment center, he can also receive such a payment for each worker. To date, the amount of such a subsidy is 58 thousand rubles. This is a great way to start-up capital;
2. Assistance in repayment of interest on the loan. If an entrepreneur has taken out a loan to buy equipment, he can count on the state to pay him ¾ or half of the accrued interest. He will have to pay the body of the loan on his own;
3. Subsidy for participation in fairs and exhibitions. As a rule, the state compensates ½ or 1/3 of the funds spent on renting an exhibition or commercial equipment. Such assistance does not exceed 300 thousand rubles;
4. For farmers there are additional types assistance - for the purchase of seed, breeding stock, equipment and infrastructure development.

Paperwork

Do not forget that you can get money to open a business from the state only after official registration entrepreneurial activity. In addition, you must submit a written application for a grant. Most likely, you will be asked to take part in the competition. In this case, you need to provide copies of the statutory documents and a business plan. It is considered by a special commission and, based on the results obtained, makes its verdict.

The plan is evaluated according to the following parameters:

• How much can you return to the budget in the form of tax payments;
• How many new jobs will the entrepreneur create;
• How much such activity is in demand in a particular region.

For example, if in small town there are several enterprises for the production of semi-finished products, it is unlikely that the entrepreneur will receive money to open another workshop. But the socially oriented original idea, guaranteed to receive state support.

Before you receive a business subsidy from the state, carefully study all existing regional programs. They can have significant differences in different subjects. Russian Federation. Select suitable option and start taking action. If you try hard, you can radically change your life for the better.

Features of obtaining a subsidy

The main feature of state financing of small businesses is that such assistance is provided free of charge. In return, the state receives one more cell in the market economy and new jobs for the citizens of our country.

Before receiving money for the development of small businesses from the state in 2018, the entrepreneur signs an agreement in which he undertakes to account for the funds spent. 3 months after receiving state subsidy it is necessary to provide a documented report on the intended use of the subsidy.

As confirmation, you can use:

• Sales receipts;
• Accounts;
• Money orders;
• Receipts and more.

The report must fully comply with the financial calculations made in the business plan. If the entrepreneur cannot document the intended use of funds, he will have to return the financial assistance in full.

Another important point specified in the contract is the term of the enterprise. A state-funded enterprise must operate for at least 1 year. Despite all these limitations, state aid is the most The best way, .

There is another option, how to get money from the state for business development in 2018. Local governments give start-up entrepreneurs cash subsidies in the amount of 300,000 rubles. But to get such a large amount, you need to try hard. To do this, you need to collect a package of documents confirming that you are taking a subsidy for the effective promotion of the enterprise. This is the best way, so many entrepreneurs are hunting for such a subsidy. If you want to receive positive result, all documents that you provide to local governments must be reliable and convincing. After the funds are transferred to the entrepreneur's account, he must report monthly to the state for the intended use of the subsidy. If funds are not fully spent, the surplus must be returned back.

Reasons for refusal to receive a subsidy

Now let's talk about how to get a government subsidy. The most common reason for refusal of extradition state aid This is the wrong choice of direction. If you want to start your own business in an area that is not a priority for the state, you may be denied financial support.

Most popular destinations:

• innovation;
• Agriculture;
• The medicine;
• Tourism industry;
• Education.

State subsidies are not subject to insurance, lending and Banking services. In addition, an entrepreneur may be denied a subsidy if he requests too much or submits a weak and unprepared business plan for consideration. Also, the state does not finance projects that will be implemented abroad.

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Therefore, before that, first ask what areas of activity are relevant in 2018. After that, you can begin to develop an action plan and draw up all the necessary documents.

Lending from funds and individuals

If you are looking, please contact the regional business support funds. They make small loans certain period. This type of lending is perfect for new businesses with a short production cycle.

Also, in recent years, private lending to businesses has begun to flourish in our country. During a crisis, many people who have savings look for

Today, not all people are satisfied with work for hire - a small income that cannot be independently regulated. To get the maximum profit, many decide to open their own business. It can be controlled, actively involved in any transformations, developed and expanded. But for any business, even a small one, it is required initial capital. For those who do not have enough funds to create an enterprise, the state is ready to provide financial and organizational assistance.

What kind of government assistance can small businesses count on?

In Russia, a program has been adopted, according to which everyone who decides to become an entrepreneur has a chance to receive a financial state. help small businesses, and completely free of charge. The amount of monetary compensation has certain limits, which differ in different regions. Many people have the right to receive such a subsidy, but due to objective circumstances and subjective reasons, not everyone can enlist such support. In addition to financial assistance, the funds for which come from the state budget, start-up entrepreneurs are offered property assistance. This means the readiness of the state to lease certain property to representatives of small businesses at low rates or even free of charge: real estate, technical equipment, land use objects, etc.

Limitations of the State Assistance Program

Not every entrepreneur can count on assistance in the development of small businesses from the state. For example, if a person has been registered as an entrepreneur for more than one year, he is no longer eligible for this program. Great importance has the scope of small business, because specially created commissions necessarily consider each application and not everyone is answered positively. It is also mandatory that the entrepreneur has his own money necessary to open a business. The state will be able to compensate from 40 to 60% of the costs, and often this amount does not exceed 300,000 rubles, the rest will have to be paid from your wallet. Of course, these are to buy equipment and create a competitive enterprise, but it is unprofitable for the state to fully sponsor businessmen. This is only partial assistance from the state to small business, which gives him the opportunity to control the system of small business.

Articles for receiving subsidies under state programs

The Small Business Assistance Program in Russia includes several articles that require subsidies:

• opening an enterprise;
• opening a business;
• rental of premises;
• purchase of equipment and computer equipment;
• obtaining a license;
• training of specialists;
• participation in promotions and exhibitions.

Advice on these issues can be obtained from employment centers and specialized centers. The regional administration must provide residents with the addresses of these branches.

How to get financial support

If you have already thought about starting your own business, but do not have the necessary amount of money, then you can get help from the state for small businesses. First you need to draw up a business plan and submit it to the employment center for consideration. The amount of the subsidy issued by this organization is 58,800 rubles. (4900 rubles - monthly multiplied by 12 months). The procedure for considering a business plan and allocating money can take up to 6 months.

What is needed to receive start-up capital from the state

First, that is, to have the status of unemployed. To do this, you will need the following documents:

• passport,
• employment history,
• documents on education, certificates and diplomas,
• pension insurance certificate,
• a completed form-certificate of the average salary for 3 months at the last place of work.

Note that the following are not unemployed:

• citizens under the age of 16;
• women on maternity leave;
• full-time students;
• pensioners by age;
• citizens working for employment contract or registered as an LLC or individual entrepreneur;
• invalids of non-working groups.

Next, in the employment center, you need to write an application for a subsidy from the state for the development of small businesses. Think in detail and compose detailed business plan, containing many calculations, graphs and tables. Once approved, you must register as entity(organize LLC or IP). The tax office will give you a list of documents, copies of which you need to provide. After that, the agreed funds are credited to your bank account, which you can withdraw and purchase the necessary equipment specified in the business plan.

Highly important point: you will need to submit a financial report to the employment center, which should reflect all the costs of equipment, wages employees, contributions to the tax and Pension Fund. If you have received financial assistance for small businesses from the state, you need to be responsible for every penny spent from this amount.

Other government assistance options

Possible assistance from the state to small businesses is not only the issuance of money for the creation of an enterprise, it can be the repayment of interest on an already taken loan or the issuance of a new loan by a bank with a reduced interest rate. Today, many banks issue loans to entrepreneurs, and they, in turn, prefer to apply to the bank. Indeed, in this case, they do not have to report where they spent the received finances, it is enough just to pay a certain amount on time.

The state also organizes so-called business incubators, where you can get qualified assistance both in drawing up a business plan and in training employees in new skills for organizing and running their own business. In addition, in these centers you can rent premises inexpensively and place all your employees there, so they can always turn to experienced professionals for help.

Each of us has the opportunity to receive assistance and support from the state to create and develop own business, it remains only to decide on the direction of activity.

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 related to the lack of start-up capital for start-up businessmen. In this regard, there are certain conditions and nuances of obtaining state assistance.

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.

1. 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.
2. 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:

1. unemployed;
2. related to the group social protection(the poor, the only parent in the family, the disabled, former military personnel);
3. 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:

1. have initial capital (its presence is confirmed by title documents for real estate or assets);
2. 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:

1. the period of activity in which a citizen is engaged must be at least six months and not more than two years;
2. 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:

1. 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.
2. 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.
3. 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.
4. 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".
5. 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
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:

1. Employment Center, including its regional offices (relevant for unemployed citizens);
2. Department of Entrepreneurship;
3. 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.

1. 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.
2. 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.
3. Register as 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.
4. Submit an application to government agency. Important: the institution must specialize in subsidizing small businesses.
5. Predict the approximate costs of opening and developing a business. The received data must be provided for review by the commission.
6. 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:

1. collect and prepare documents;
2. get IP status;
3. apply to an authorized organization with a statement;
4. 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.

Individual Entrepreneur Assistance Program- provision of state subsidies in the form of state financing. This is a designated amount of money, which is issued one-time in the form of an encouragement to novice businessmen for targeted spending. It can be used to purchase necessary equipment, premises, procurement of raw materials and other goods and services provided for by the business plan. Financial assistance for starting / developing a business is a measure that is used by the state in the fight against unemployment. Besides, successful business- additional contributions to the state budget in the form of tax payments.

Features of calculating subsidies for individual entrepreneurs

A legal entity has the right to issue subsidies for individual entrepreneurs on an irrevocable basis. The amount received will not have to be returned if the funds are spent in strict accordance with the goals of the business plan. This is state assistance, which is issued in order to cover the financial costs and lost profits of a businessman during the production and sale of goods, the provision of services. Information on the accrual and payment procedure, restrictions and reasons for refusals, the purposes of receipt can be found in Art. 78 of the Budget Code. This issue is also regulated legislative act No. 209-FZ (24.07.2007).

Purpose of the subsidy

Subsidies for start-up entrepreneurs can be issued for:

• payment of rent payments;
• purchase of premises;
• registration of a patent and purchase of other intangible assets;
• organization and modernization of jobs;
• carrying out repairs;
• purchase of raw materials and Supplies, about 20% of the estimated amount is provided for these expenses;
• pay for employee training programs;
• renewal of fixed assets, purchased equipment cannot be sold within a specified time period, from 1 to 3 years the property must be on the balance sheet of the enterprise;
• repayment of a bank loan;
• opening a new business in accordance with the approved business plan.

All relevant expenses must be supported by reports and documents of expenses. The beneficiary must agree to the relevant checks organized by the budget manager. Within this framework, an analysis of compliance with the conditions, goals, and the procedure for spending the funds received by the entrepreneur is carried out.

Important! Subsidizing activities related to the production, distribution, sale of tobacco / alcohol products, rental of real estate and equipment rental is not provided by the Russian state.

Types of assistance to individual entrepreneurs

The following types of assistance are provided for the development of small / medium-sized businesses:

1. Support for an existing business. Amount within 25,000 rubles.
2. Opening a new business, with the possibility of regulating the amount of material payment, up to 60,000 rubles.
3. Opening a business for a disabled person, unemployed and one raising a child. This is an amount within 300,000 rubles.

Conditions for obtaining financial assistance to open a business

A subsidy for the implementation of a business idea is issued on a one-time basis. It is issued to the category of persons who are not employed by the Employment Center. The applicant has the following requirements:

• unemployed status;
• the presence in the work book of the status "fired";
• lack of IP status;
• You can not be the founder and co-founder of the enterprise.

Registration procedure, step by step instructions:

1. Applying for unemployment benefits.
2. Getting advice from a specialist of the Employment Center. Clarification of conditions.
3. A statement confirming the desire to open your own business.
4. Passing testing.
5. Development and writing of a business plan. There are several options here. Can be ordered finished project with a specialist or independently study the issue in order to write a professional business plan.
6. Submission of documents for grants.
7. Verification of the documents submitted by the applicant and analysis of the situation by specialists of the Employment Center. The decision to pay or refuse is made by the director of the organization in accordance with the decision of the commission.
8. Conclusion of an agreement on financing small businesses, in case of a positive decision.
9. Registration of IP / LLC.
10. Submission to the office of the Employment Center of documents confirming the registration of entrepreneurship.

Documentation. Subsidies to future entrepreneurs can be issued after the applicant submits a package of documents and fills in and signs the application forms. In addition to an identity document, you need a certificate from the previous place of work. TIN, work book, education certificate will also be required. An application for registration plus an application for opening an individual entrepreneur will be offered to the applicant to write on the spot.

After the citizen who applied for the subsidy receives the status of unemployed, the employees of the Employment Center will offer him to draw up a savings book. They will also schedule the next meeting and tell the plan of expected activities. Next, the applicant must propose and defend a business plan. He must submit the project in electronic and printed form. The document should outline all aspects of future business activities.

The business plan should clearly show the following points:

• purpose of the subsidy;
• profitability of the project, the head of expenses and payback must be provided;
• planned jobs;
• the possibility of attracting the applicant's own funds in the development of the case.

On the appointed date, the commission meets on the issue of granting a subsidy to a particular candidate. The decision on the advisability of paying financial support is made within 60 days. In case of a positive decision, the applicant will be required to sign an agreement on the targeted spending of finances. After the approval of the application by the management of the organization, the citizen can begin to issue an IP. After copies of tax documents are provided to the Employment Center, they will make the appropriate accruals to the savings book. The contract can be closed only after the entrepreneur provides reports and confirmation of the targeted spending of money for review.

Important! The subsidy is issued if the employees of the Employment Center confirm the fact that the applicant cannot be employed. The analysis is made taking into account professional skills and education level.

It should be noted that subsidies for small and medium-sized businesses are due if:

• the period of registration of IP is not more than one year;
• the need to spend money during the year;
• the need to spend funds exclusively for the implementation of the goals provided for by the business plan.

Important! If during the audit it turns out that the payments were spent by the entrepreneur for needs not provided for by the business plan, he may be required to return the amount paid to him earlier.

After a year after the accruals, the IP is obliged to provide reports on the spending of funds received under the program. If he cannot confirm the appropriateness of using any amount, he will be forced to return it. To avoid negative consequences you need to properly plan the implementation of the agreed goals, monitor reporting and collect documents confirming spending.

The list of documents that need to be prepared to receive a subsidy

A complete set of documents is one of the first grounds for issuing a subsidy. Only on this basis, a citizen who applied for financial assistance can be included in the list of applicants. You can get state support only on a competitive basis. So, to the individual entrepreneur who applied, he provides:

• a statement of the appropriate form;
• business plan;
• extract from USRIP;
• feasibility study, abbreviated feasibility study - a document that can be used instead of a business plan;
• estimate of future costs;
• a questionnaire containing information about the type of business;
• passport of a citizen of the Russian Federation;
• bank certificate confirming the existence of an entrepreneur's account;
• certificates from the tax authority, other off-budget funds confirming the absence of debt.

There is a lot of talk about supporting young and not so start-up entrepreneurs, we have all heard about various federal programs to promote 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.