How to get a loan for a small business from the state: types of loans and documents to obtain. Features of loans without collateral

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Preferential loans for business

To find out what kind of help small businesses can expect from the state in 2018 (preferential loans, tax preferences and other types of support), it is not at all necessary to search for information on various sites, collect bits and pieces on information and legal portals, from official sources. After all, you can turn to the source, where everything is collected in one place. The website portal was created to facilitate the search for information, help apply for a loan or loan, find out opinions and reviews about a particular organization or products offered.

What kind of assistance can business representatives expect from the government in 2018?

Let's consider possible types assistance provided by the government individual entrepreneurs, as well as who can count on such support. Well, first of all, good news for legal entities. There are plans to revise the conditions for providing loans to business representatives. This means that the rate may be fixed at 10-11 percent. It will also be possible to reinvest with a loan rate ranging from 6.5 to 11 percent.

Who is eligible to receive support for small businesses?

Newly opened individual entrepreneurs
Representatives of the ecotourism sector
Manufacturing industry
Craft industry

In 2018, a preferential loan as a type of assistance to small businesses from the state will be available on simplified terms and with expedited processing. The government and banks are making steps towards business representatives and offering a helping hand.

Also, support for small businesses is provided not only in the form of material support and loans on simplified terms. Owners of their own business can count on various free services.

Support for individual entrepreneurs

Free assistance is expressed in the provision different types services, information support, etc.

Free educational lectures, courses
Consultations with economists and lawyers
Promotion of services and goods through fairs and exhibitions
Providing industrial space and land plots

You can also receive free help from the budget. For example, you decided to open your own business, but you do not have enough funds for basic capital. Don’t rush to go to the bank for a loan, everything can be solved much easier.

What is required to get loans to run a business?

In such a situation, you can contact the employment exchange and get the required support.

Register at the employment center as unemployed
Conduct a detailed development of your own project, carefully describing the proposed activities
Register your application for participation in the tender

If your business project is interesting and promising, you will receive irrevocable support. The only condition will be a detailed report on the use of all funds allocated to you.

In addition to preferential loans, assistance to small businesses from the state in 2018 can also be expressed in property equivalent.

Space for rent on favorable terms
Sale of state property with favorable contract terms
Objects created for business

Important! If you count on benefits from the state, without refusal, you should establish yourself as a promising owner of your own business, a law-abiding citizen. Feel free to ask questions and get advice on paperwork, tax compliance and other nuances.

The state also launched a grant program in 2018. In principle, getting this kind of help is not difficult.

Who is eligible to receive grants?

In order to be provided with such support, you need to draw up an application and submit it to the appropriate authorities.

Your business is over a year old
You pay your fees regularly and your credit history is perfect
You create conditions for attracting new employees

If you meet all the requirements listed above. Then you will receive a grant from the state without any problems. However, before submitting an application, you need to collect a complete package of documents. You should also take care of a certificate that you have not previously been given grants.

If you did not receive a grant, you can receive a preferential loan from the state to help small businesses in 2018. The rate on it will be only 5-6 percent.

Who can get a preferential loan in 2018

If you want to take advantage of this kind of help, you should check whether you meet the conditions under which such loans are issued.

Activities in the field of innovation development
Production of export products or import substitution
Production of oil and gas equipment

The conditions for obtaining this type of lending are, in principle, quite simple. You need to prepare a complete package of documents required to submit your application. You can find out more about this from our consultants, because in some cases the set of papers may differ, although not significantly.

You submit an application with documents to your municipal or regional fund. The review process takes approximately three days, after which you will be given an answer.

In general, any owner of his own business has the right to hope to receive assistance from the state for small businesses in 2018, preferential lending. However, it should be taken into account that loan priorities are set depending on the field of activity. There are also some restrictions. There are categories of small business representatives who may not count on loans with special conditions.

Who can't count on help from the state?

Businessmen who are on the verge of bankruptcy or who have gone bankrupt
Those who are in arrears to repay a soft loan
Having any kind of debt to the budget

When drawing up a high-quality business plan for starting or expanding activities, replenishment and modernization, it is not working capital, many entrepreneurs are looking for profitable ways to raise additional funds. Loans for small businesses outperform offers from private investors with speed of processing, minimum rates and a large selection of programs:

Express loans - up to 200 - 300 thousand rubles. to increase working capital. Individual entrepreneurs and legal entities engaged in trading activities can apply for a loan.
Microcredit - up to 1.5 million rubles. to replenish fixed and working capital. Preference is given to companies engaged in trading and production activities providing services.
Small loans - up to 5 million rubles. Representatives of small and medium-sized businesses can apply for issuance.
Loans under the “Agro+” program - up to 1 million rubles. entrepreneurs specializing in the agricultural sector.
Overdraft (expense in excess of the account balance) - up to 1.5 million rubles. to increase turnover. The program is designed for lending to legal entities.
Credit lines - the amount is calculated individually, depending on the account turnover. Funds are provided only to legal entities.
Credit cards - up to 100 thousand rubles. for small purchases and business travel expenses. Loans are issued to individual entrepreneurs and legal entities in various fields.

Depending on the choice of program, the bank evaluates the documentation from 1 day to 2 months. Additional benefits are provided to customers who have a current or current account with the bank.

Who do they lend to?

As part of the programs of international financial organizations, the issuance of loans is not available to companies offering alcohol and tobacco products, gambling, real estate or food products to the public. Banks make a negative decision when applying for a loan to create an authorized capital and pay off current obligations.

They are wary of manufacturing companies. Owners of small production shops (shoemakers and tailors) can apply for a loan if they have extensive business experience, a wide range of suppliers of raw materials and a customer base.

Loyal conditions are provided:

Trade enterprises (to increase working capital) - shops, catering establishments or beauty salons.
For road carriers applying for a loan for the purchase of a vehicle.
To farmers (issuance borrowed money carried out within the framework of the Agro+ program).

Banks are reluctant to provide loans to start a business. There are more chances to get a loan to change activities or develop a new business direction.

Lending purposes

Loans are provided to entrepreneurs for various purposes:

To cover additional costs.
For maintenance and repair of buildings and structures.
Equipment modernization.
To open a business.

Who falls under the category of borrowers?

Entrepreneurs applying for a loan from a bank are subject to a number of requirements:

Legal status – individual entrepreneur or legal entity, joint-stock company or private person with equity participation.
Place of registration – preferably the company is registered and carries out activities on the territory of the bank.
The period of doing business is from 6 to 12 months. from the moment of registration.
Maximum amount employees - up to 100 people.
Confirmation of the absence of imposed arrests and bans.

Business owners, as individuals, are also subject to a number of criteria:

Russian citizenship.
No arrears on previous loans.
Registration in the territory of the financial institution.
The client must meet the status of an individual entrepreneur, or have ownership rights in the business.
Age limit- from 21 to 60 years.
Availability of a landline telephone.

Based on the choice of program or loan parameters, banks may impose additional conditions.

Overpayment amount

SME lending programs feature minimal overpayments. So, the average size overpayments range from 16 to 24% per annum. A number of companies set limits from 14.9 to 18.5%. There are also programs on the market with rates of 28% or more, which is typical for small banks.

Package of documents

Participants in the program for lending to individual entrepreneurs and SMEs without collateral or guarantors are asked to collect a standard package of documentation:

Application for consideration. Served in the office or on the company website.
Original or photocopy of passport.
State registration certificate (copy).
For legal entities - a photocopy of the Charter, extracts from shareholder registers, an order on the appointment of a chief accountant, minutes of shareholder meetings, etc.
For a registered business - a report on the movement of funds in the account.

The Bank reserves the right to require additional securities:

Constituent documentation for legal entities.
Confirmation of the settlement of the client’s relations with the authorities conscripting citizens for military service.
Confirmation of expenses associated with the acquisition of rights to a share in property.

Loan size

The average loan size is 4.5 million rubles. Some companies are ready to issue a loan in the amount of 500 thousand to 1 million rubles, others up to 7 million rubles.

For what period should the loan be issued?

The average lending period for SMEs is 36 months. Less often, banks issue contracts for 5-7 years, which is typical for large systemic organizations.

How to pay off debt?

In the Russian financial market, programs designed to repay loans using the annuity method are more common. Clients make payments in equal installments according to the loan repayment schedule. A differentiated scheme is extremely rare in practice.

Bank selection

If you have accreditation with a bank, you should contact it, this will allow you to clarify the conditions and compare them with offers from other companies:

VTB24 - “Negotiable” from RUB 850,000, from 11.8%, up to 3 years. Loan fee - from 0.3%.
Zenit - up to 30 million rubles, 13–14.5%, up to 2 years. No down payment required. It is possible to defer the repayment of the principal debt for up to 12 months.
Kraiinvestbank - 3 programs are provided: for business development from 500,000 to 70,000,000 rubles. for up to 7 years at 13%, turnover at 13% or overdraft from 16%.
Levoberezhny - from 150,000 to 3,000,000 at 15% for up to 6 years (universal program “Business without borders”).
Promtransbank - from 150,000, from 15 to 35% per annum, up to 5 years.
Rosselkhozbank - from 1 million rubles, 13%, from 6 months.
Center-Invest - from 300,000 rub. at 12% per annum, up to 36 months.
Energomashbank - overdraft from RUB 300,000, from 17% per annum, up to 12 months.

Positive and negative characteristics

The advantages include:

High flexibility in determining rates and personal terms of service.

Receipt of the agreed amount without collateral or guarantors.

Loyal conditions for regular customers.

Cons include:

Informing the bank about doing business.
Lengthy documentation collection.
Low percentage of approval of applications to open a business.
Limitations in choosing a business direction.

Small Business Lending Fund

When applying for a loan from a bank, entrepreneurs cannot always provide collateral covering possible risks. An advisable solution would be to use the possibility of obtaining a guarantee from the FSKMB, which is equivalent to registering a pledge. Depending on the type of activity of the borrower, the Fund acts as a guarantor for a loan from 60 to 90% of the requested loan (up to 60% for wholesale and retail enterprises, travel agencies, up to 70% for transport and agricultural companies, etc.).

Loan processing time ranges from 3 to 60 months.

Fund partners:

PJSC SB RF.
PJSC Bank "Levoberezhny".
JSCIB "Education".
JSC "RSHB".
PJSC "Bank ZENIT"
PJSC "VTB24".
PJSC Promsvyazbank.
JSC Banca Intesa.
JSC "SMP-Bank".
PJSC Bank "FC Otkritie".

In search of the most favorable conditions for revolving lending to SMEs, many entrepreneurs will be interested in the conditions of Sberbank; in 2017, the company offers:

Loan amount: from 10 million rubles. up to 1 billion rubles
Goals: OS purchase, modernization and reconstruction production lines, implementation of new projects and replenishment of working capital (in the areas of agriculture, food, electricity, gas and water, construction, transport and communications).
Rates: from 9.6%.
Terms of preferential funding: up to 3 years.

Applying for a loan is carried out in a number of stages:

Familiarization with the terms of the loan, consultation with a background employee.
Preparation of a documentation package.
Submitting an application and collected papers.
Familiarization of the Foundation's employees with the place of business.
Conclusion of an agreement.

Transferred to the entrepreneur's account.

Many beginning entrepreneurs at the stage of business formation face financial difficulties. The easiest way to solve this problem is government concessional lending. There are many programs under which the state allocates cash developing enterprises at low interest rates. We will tell you in this article what you need to do in order to receive a preferential loan as assistance to small businesses from the state in 2019.

Prospects

In 2019, the government of our country plans to review the terms of 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 country's Central Bank will ensure 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 conducting additional research, can obtain comprehensive information about their chosen market segment. For this purpose, more than 200 business plans have been developed in 75 areas. entrepreneurial activity. If this project is approved, government assistance for the development of small businesses in 2019 will be a pleasant bonus for aspiring entrepreneurs who are starting their own business in such difficult economic conditions.

Types of government 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.

Businesses can count on assistance from the state during a crisis:

Aspiring entrepreneurs;
Manufacturing enterprises;
Companies involved in eco-tourism;
Organizations whose activities are related to folk art.

Small business support

It is worth noting 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 production premises.

Subsidy from the Employment Center

Everyone knows that before that, you need to find start-up capital. If you don’t have your own savings, you shouldn’t immediately run to the bank to take out a loan. Beginning entrepreneurs can receive government assistance to open a small business through the labor exchange.

To do this you need:

Register with the employment center as unemployed;
Develop a competent project with calculations and detailed description planned activities;
Submit an application to participate in the competition.

The commission 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 provided free of charge, but the entrepreneur must provide the regulatory authorities with a detailed report on the intended use of the funds.

Property support

There are several other types of assistance to budding entrepreneurs from the state in 2019:

Before applying for participation in the competition, you need to collect everything Required documents, including confirmation that you have not previously received any grants or cash subsidies. In addition, you need to take special entrepreneurship courses that are run by regional small business support funds.

Loans

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

This type of government support is available to enterprises:

Those involved 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, in 2019, preferential loans to small businesses from the state will be available to enterprises that operate in priority sectors of the economy.

The procedure for obtaining a preferential loan

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

The application must be reviewed within three working days. If a positive decision is made, an agreement is drawn up between the credit institution, the fund and the entrepreneur. Because the we're talking about about a profitable one, 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 assistance to small businesses can also be obtained from a regional or municipal fund. Beginning entrepreneurs are given small loans for short term. Microcredit is great for businesses with short term production cycle. If things go well, the businessman can count on more impressive assistance to small businesses from the state in 2019.

Another profitable tool for preferential financing is a compensation loan. This option can be used for implementation. The government issues small loans that are intended to pay off the main loan. Thanks to this, the client receives a deferment on interest payments for up to one year. During this period, he can calmly develop 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 impact on the development of science.

Who is given preferential loans?

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

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

There are also restrictions on receiving soft loans. Persons who:

Have gone bankrupt or are on the verge of bankruptcy;
In the past, you received a preferential loan, but did not repay the debt;
Have any debts to government agencies.

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

conclusions

Government support programs are the most The best way, . Opportunities for developing your own business using budget funds can be found in any region. The most important thing is persistence and desire. Good luck!

Beginning entrepreneurs and small firms often face the problem of lack of financial resources in the course of their activities. Attracting a bank loan is a very expensive undertaking.

What are the conditions for providing state financial assistance to small and medium-sized enterprises (SMEs) in 2019? Answers to questions in this article.

Features of obtaining MB loans on preferential terms

IN Russian practice Only those enterprises that will provide effective returns for the entire national economy as a whole can count on receiving preferential loans and the opportunity to take advantage of loyal conditions for attracting bank loans.

What criteria determine such returns?

The number of jobs created (this aspect is especially significant for the economy of Russian regions);
The volume of tax revenues to the regional and federal treasuries;
GDP growth at the level of individual regions and the entire state as a whole.

In order to effectively support enterprises capable of forming favorable trends in the Russian economy, the National Welfare Fund. It is through it that programs for subsidizing interest rates, providing guarantees and guarantees to small and medium-sized businesses are currently being implemented.

In order to take advantage of the Fund’s financial support, it is important for a business entity to prove its readiness to provide economic efficiency for the entire national economy as a whole.

What support can small businesses count on?

The Government of the Russian Federation regularly provides regional budgets with financial resources that should be used to support small and medium-sized businesses.

Why is it important for the state to develop this segment of the national economy?

Firstly, these are the beginnings of the future big business - the pillar of the national economy;
Secondly, these are additional jobs, an increase in GDP and tax revenues to the treasury;
Thirdly, this is a way to create an effective competitive environment in the market that can positively influence the quality of products.

There are several groups of Russian business entities that can count on receiving government financial assistance, including:

New companies taking their first steps in business;
Enterprises engaged in the production of products;
Ecotourism companies;
Business entities engaged in the creation of masterpieces of folk art.

Support for SMEs in Russia has several main areas, including:

Financial assistance in the form of preferential loans to small businesses and their subsidies;
Non-financial assistance in the form of free services that are significant for the business sector (training, consulting, fairs, provision of land and premises, etc.).

It seems appropriate to examine in detail the key options for government financial assistance.

Subsidy from the labor exchange

This is the most convenient way to get cheap starting capital. It is relevant for entrepreneurs who have effective business ideas, but do not have the means to implement them.

How to take advantage of this government support option?

Register with the regional employment center and obtain unemployed status;
Create a high-quality business plan for the future business with detailed calculations of financial results and justification of the significance of the project (projects with a social focus are approved in 100% of cases);
Submit a business plan and application for consideration by the grant committee.

After receiving a positive decision, the entrepreneur registers the company (in the form of an individual entrepreneur or LLC), receives government assistance to his bank account, and begins operations.

At the end of the quarter or year, the businessman is obliged to submit a report to government agencies that the allocated funds were spent for their intended purpose.

Do you need information on this issue? and our lawyers will contact you shortly.

Property assistance

In 2019, property support for SMEs will be expressed in such activities as:

provision of real estate for rent at preferential rates;
sale of property assets by the state at low prices;
formation of infrastructure (business incubators, technology parks, etc.).

Grants from the state

Grants are a type of free financial assistance from the state.

They have the right to count on:

Entrepreneurs whose activities in the field of trade or production last less than 12 months;
Businessmen with an ideal credit history and no debts on taxes or other mandatory payments;
Firms that create new jobs in the national economy (especially at the regional level).

In order to become the owner of a grant from the state, an entrepreneur must prove the fact that he did not participate in other programs or receive grants or subsidies. And also undergo training in the basics of doing business at special courses organized by territorial employment centers.

SME lending

Refusal of grants and subsidies is not at all a reason to abandon the idea of creating own business. Loans to small businesses from the state in 2018 are provided at a rate of 0% to 6% per year.

The following conditions for attracting borrowed funds can be counted on:

Firms developing innovative industries;
Enterprises engaged in the production of import-substituting products;
Companies that create equipment and mechanisms for the production and processing of hydrocarbons.

All of the above sectors have received such high attention because they are recognized as priority areas for the development of the national economy of the Russian Federation.

Non-state grants for starting a business

Creating your own business should begin by considering the issue of receiving free assistance, which, first of all, is grants. It is provided by non-state funds operating under banks, investment companies and financial and industrial groups.

Grants cover interesting and promising, from a commercial point of view, industries - agriculture, innovative production.

In this case, assistance can be provided in two forms:

On the condition of non-refundable provision of funds, but with the fulfillment of certain requirements.
In the form of an interest-free loan that must be repaid after a certain period.

In both the first and second cases, the grant recipient is determined through a competitive selection conducted special commission: participants submit an application and a package of documents with a public offer, describing in detail the goods offered by the company and indicating their cost.

The main difference between grants from non-state funds and government subsidies is that in the first case the commission selects promising and cost-effective projects, and in the second - mainly socially significant ones.

In 2019, those businessmen who plan to implement bold, but at the same time completely realistic and profitable projects can count on grants.

Loans for small businesses from the state

The state creates and supports special preferential lending programs for SMEs. They are usually implemented through a network of partner banks (Sberbank of the Russian Federation, Rosselkhozbank, etc.), in which part of the interest rate is subsidized from the budget. As a result, novice businessmen can receive borrowed funds on very favorable terms.

Lending to small businesses in 2019 provides for the opening of overdrafts, revolving lines of credit, and single loans to enterprises from priority industries:

socially significant projects;
construction companies engaged in the construction of apartment buildings economy class;
production based on the use of eco-technologies, etc.

There are several other options for government lending (in addition to interest rate subsidies):

Providing free subsidies to cover part of the principal amount of the loan or interest on it.
Providing government guarantees and guarantees for loans to small and medium-sized businesses.

The main feature of government lending programs for small and medium-sized businesses- its retributive nature.

Sooner or later, borrowed funds will still have to be returned to the lender.

However, there are many people who want to receive borrowed funds with government support, because:

Firstly, the rates on such loans are extremely low (0-10%);
Secondly, preferential programs also cover aspiring entrepreneurs who take their first steps in the market and are considered by commercial banks as very risky clients.

The procedure for obtaining a preferential loan

In order to become an owner of a participant in programs for the provision of borrowed resources for preferential terms The entrepreneur will need to do the following:

Choose a preferential program for business at one of the partner banks.
Prepare all required package documents and application for borrowing funds.
Submit the papers for consideration by the banking commission.

If it turns out that the borrower does not have collateral, the bank contacts the fund and requests the possibility of providing a guarantee for the loan. The fund studies the borrower’s business, its prospects, importance for the national economy, etc. If the fund agrees to provide a guarantee, then an agreement is concluded between it, the bank and the borrower.

Funds that interact with banks in issuing preferential loans to entrepreneurs operate not only at the federal, but also at the regional and municipal levels. In order to clarify the list of partner banks, a businessman can contact any of them.

It is worth noting that the funds work not only with banks, but also with microcredit organizations, the conditions of which are more suitable for companies with a short production cycle.

The conditions for providing preferential loans for businesses in Russian financial institutions are extremely similar to each other - they are distinguished by a low rate, loyal requirements for clients, and a long period of use of borrowed funds.

Particular attention should be paid to programs back-to-back loans. They are provided by the state at minimum rates so that small and medium-sized businesses can repay their debts to commercial banks.

It is worth adding that in 2019, free financial assistance programs for small and medium-sized businesses in Russia will cover enterprises in innovative industries, Agriculture, creation of essential goods and import-substituting products. Other companies should immediately focus on preferential loans.

most programs are implemented at the regional level and have their own specific conditions (for example, the guarantee can cover the entire loan amount or only a separate part of it);
it is important to pay special attention to the preparation of documents - most often a positive decision on the provision of assistance depends on this;
When attracting grants and loans through the labor exchange, it is important to realistically assess your capabilities in terms of efficient spending of funds and obtaining a positive result.

If an enterprise has debts on taxes and other obligatory payments, is declared bankrupt or has already received a subsidy from the state, most likely it will not be able to receive preferential financial assistance.

Dear readers!

We describe typical methods solutions to legal issues, but each case is unique and requires individual legal assistance.

To quickly resolve your problem, we recommend contacting qualified lawyers of our site.

Many entrepreneurs today cannot do without small business loans from the state. 2019 will not be an exception and funds will be allocated from the budget to support individual entrepreneurs, as well as other representatives of this area of business activity. The majority of businessmen who want to develop their business use government assistance.

The right to receive money on preferential terms are those enterprises in which the number of hired employees does not exceed 100 people, the turnover on accounts is up to 800 million rubles per year (previously it was 400 million rubles per year). Now it is not easy to ensure business development, since due to currency instability, rents are changing upward and the cost of purchasing goods is increasing. All this leads to the need for government support for small businesses.

Many banks offer loans for the development of entrepreneurship in the country. But their conditions are often not very favorable. In addition, there are a number of factors that slow down the issuance of money to small businesses. These include:

a significant tightening of the requirements that banking institutions set for clients wishing to obtain a loan;
general economic influences;
a significant increase in the cost of loans for small businesses;
reduction in consumer capabilities;
reduction in the number of borrowers with a positive credit history.

All these factors significantly stop lending to entrepreneurs, which in turn slows down their development, especially against the backdrop of fluctuations in exchange rates.

It is worth noting that often even those businessmen who agree to receive a loan on bank terms are refused to receive money as loans. This is due to various factors:

the entrepreneur has no positive credit history, which can be justified by recent registration of activity;
Banking specialists do not consider the client’s line of business to be profitable, that is, one that can ensure the return of the loan funds and interest for use by the entrepreneur.

But there is a way out for such entrepreneurs. In 2019, as in previous years, there will be a preferential lending program aimed at providing state support for small businesses.

A microloan for the development of entrepreneurship is considered to be financial assistance and support from the state, which is issued in an amount of up to 3 million rubles for a period of 1-5 years. Their issuance is intended for enterprises that cannot obtain a loan from commercial banks on their terms.

Money issued by the state as assistance to the development of small businesses is formalized exclusively as financial assistance for the development of activities. They cannot be used for personal purposes. Required condition issuing such a loan is the targeted direction of the money. Government authorities carefully monitor the use of money. An enterprise that has received financial assistance from the state can expect extraordinary inspections at any time.

Video about the small business fund

But at the same time, such a financial assistance program has a number of advantages:

low interest rate for using money;
minimum requirements for the borrower;
simplified registration system, which allows you to quickly receive it.

It is worth noting that another advantage of loans to support small businesses is the ability to apply for them in many financial institutions in the country. Of course, not all banks or credit organizations are accredited to provide such assistance through government funds. Therefore, before you start processing all the documents, you need to clarify exactly the possibility of getting a loan to support your business in a certain organization.

The main goals of the state program of assistance to enterprises were identified, namely:

improving the functioning of the credit guarantee agency;
protection of microloans through refinancing from the Central Bank;
activities of guarantee funds in the regions issuing loans to support small businesses;
maximum openness of government orders for small businesses.

But besides this, external Negative influence on the development of small enterprises, despite government funding, which is due to the following factors:

maximum allocation of money from commercial banks to refinancing the external debts of large companies;
a significant increase in the cost of bank loans;
deterioration of loan portfolios.

That is why the state is trying as much as possible to allocate money to support small businesses.

Where can you get a soft loan in 2019?

Ministry economic development continues to implement the program that was introduced back in 2005, which is aimed at providing the maximum possible support to entrepreneurs.

Most banking institutions consider issuing money for the development of small businesses to be a very risky and unpromising activity. But at the same time, many of them apply for preferential microloans through government support.

The leaders in issuing this type of loans in 2017 were the following banks:

Sberbank;
Revival;
Gazprombank;
Bank FC "Otkrytie" (at the moment this bank is undergoing reorganization).

In 2019 they continue their activities in this direction. But there are also other financial institutions where you can apply for a loan on preferential terms as part of the government program to help small businesses.

But still, the leader in this direction is Sberbank of Russia, which is one of the largest financial institutions in the country. Many programs are being implemented here to enhance the development of small businesses in different regions countries.

Among the loans that will provide an opportunity for small businesses to receive money are the following:

“Business Trust”: up to 3 million rubles for a period of up to 3 years with a rate of 16.5% per annum;
“Express overdraft”: up to 2 million rubles for a period of up to 1 year at a rate of 15.5% per annum;
"Business-Invest": starting from 150,000 rubles, the maximum amount is determined individually, for a period of up to 10 years with a rate of 11.8% per annum.
“Business Turnover”: starting from 150,000 rubles, the maximum amount is determined individually, for a period of up to 3 years with a rate of 11.8% per annum.
Sberbank in some cases is ready to provide a loan at 11.9%.

The variety of programs allows small business representatives to choose the most suitable one for their activities and the level of its development.

Individual entrepreneurs who are planning or are already operating in the field of agriculture are best contacted by Rosselkhozbank. This financial institution has a number of programs for issuing money on credit for the development of small businesses in this direction.

Entrepreneurs are offered the following loan options:

“Seasonal Standard Crop Growing”: the amount varies depending on individual needs and ability to pay;
“Micro overdraft”: amount from 300 thousand for a period of up to 1 year.

Each bank has its own programs with different conditions lending to small businesses. But all of them are more profitable in comparison with similar loans that are not issued as part of government assistance.

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