How is small business supported by the state? State support Regional funds for supporting small businesses.

Small Business Support Fund: 7 main goals of the department + features of financial activities + capabilities of authorities in the regions + procedure for providing assistance + 5 programs.

Russian entrepreneurs often encounter financial difficulties, which become a real barrier to the development or establishment of medium and small businesses. A small business support fund can be a solution to such problems.

The department works at the federal/regional levels, providing legal entities with the opportunity to participate in various government programs in order to receive monetary, consulting, and infrastructure assistance from the state.

Specificum of the Small Business Support Fund: mission, purpose

(abbr. FFPMP) is a non-profit link in the system of state support for small businesses.

The organization appeared in the 95th year of the twentieth century. FFPMP acts as a lobbyist for the interests of small business owners, therefore, the mission of the fund is to promote the development of various areas of business mainly through financial support.

Legal entities seeking self-employment and entrepreneurial activity, but who are low-income, can expand their business thanks to the Small Business Support Fund.

The purpose of the Foundation is:

• financing from the state budget of programs intended for small entrepreneurs;
• support in attracting investors for regional/interregional projects;
• participation in the formation of a competitive environment and market infrastructure;
• information and consulting support for small businesses;
• promoting the progress of innovation;
• encouraging businessmen to be active in a market economy;
• , in attracting banking capital - both domestic and international.

Features of the Fund's financial activities.

The Fund raises funds to support small business owners from budget sources (resources received as a result of property privatization, appropriations) and off-budget.

The department’s work extends to financial markets, including state bonds and stock markets. In order for each small business support program and priority projects to be implemented, a concept has been developed to attract international and domestic financial capital.

The most important task of the Foundation is creating a mechanism that would provide. For this reason, measures are being taken to find partners abroad.

In order to provide subjects with financial support, the institute entered into general agreements with many commercial banks in Russia.

Among the Foundation's partners:

FFPMP acts as a guarantor when issuing foreign loans to small business participants.

As part of preferential lending, a Guarantee Fund was formed. Its value is more than 100 billion rubles. Thanks to his support, enterprises operating in the construction industry and specializing in processing agricultural products received loans in the amount of over 700 billion rubles.

Who implements small business support programs at the regional level?

The support provided to businessmen at the regional level is controlled by the Federal Fund and is carried out through equity financing. Sometimes FFPMP directly provides financial assistance.

Today there are more than 70 protection departments and centers. They are also monitored by local government authorities. Foundations in each republic and region cooperate with executive authorities.

They manage various projects project-wise and financially, and play a significant role in attracting/allocating finances. FFPMP interacts with regions through agreements and only with the participation of managers and other senior officials of municipalities and heads of regional institutions.

Agreements regulate the distribution of financial risks. The document also defines the responsibility of each party for the intended use of funds. For example, the administration is fully responsible for the distribution of budgetary allocations and their expenditure.

44 Russian regions have consulting agencies that provide information support to small businesses. Thus, assistance is provided in creating programs and training.

In order to rationally direct borrowed funds, the Fund organized about 8 leasing companies. The federal body helps inventors master new technologies, realize their potential, and organize fairs and exhibitions.

36 consulting centers are equipped with computing and communication equipment, thanks to which they provide support for small businesses entering domestic/foreign information networks.

How can small businesses receive government support from the Fund?

Any support by the Foundation is provided on a parity basis, but with competitive selection through an application procedure.

Those small businesses that rely on leasing have a greater chance of getting it. Moreover, the legal entity takes on part of the guarantees by pledging property.

Help can be received by individuals who operate in the following areas:

• agriculture,
• handicrafts,
• industry,
• innovation,
• external economy.

State support for small businesses will not be provided:

• insurance institutions;
• credit organizations;
• investment funds;
• legal entities participating in stock markets, pawnshop owners;
• persons involved in the gambling business;
• parties to the PSA;
• non-residents of the Russian Federation (but there are exceptional cases);
• manufacturers and sellers of alcohol-containing and tobacco products, petroleum products, cars;
• subjects extracting ore/non-metallic, combustible minerals (natural common resources are not subject to restrictions);
• citizens who previously applied for support, the period of which has not yet expired;
• violators of the conditions for receiving support (for example, in case of misuse of allocated funds).

At least 3 years must pass from the moment the violation was recorded for a small business entity to be allowed to provide new assistance.

The Support Fund accepts applications from individual entrepreneurs and legal entities. The application must be submitted to the Fund, which operates at the regional level. You can obtain a form for compilation by contacting the department you are interested in - there is no established template. A business plan must be attached to it.

You can find contacts here by selecting the desired region and clicking on the map at the top right: https://smb.gov.ru/

Farms can apply to funds in Izhevsk, Tula, St. Petersburg, Izhevsk, Astrakhan, Orel, Samara, Khabarovsk, Cheboksary, Kamchatka, Krasnodar Territory, Novgorod, Sverdlovsk, Moscow and other regions, or submit applications to local institutions.

To receive support from the Fund, you must provide a list of documents to the regional structure. A package of papers submitted for financing undergoes a preliminary analysis carried out by the FFPIP.

It is worth noting that there is no general list of documents - it all depends on the region in which you are applying, what type of assistance you want to receive, and what program you are undergoing.

For example, the following list of documentation is compiled by young entrepreneurs in the Voronezh region in order to receive a loan:

If there is a need to involve a third independent party to evaluate the proposed project, the Foundation has the right to do so. The business plan and other application documents subject to express analysis may be rejected or approved.

In the second case, the applicant’s documentation is reviewed by the Credit Committee. He makes his verdict, which is reported to the head of the small business. If the collegial body gives the go-ahead, the person provides the documentation to the Federal Fund.

In addition to consulting and material support, information support, a small business entity has the right to count on property assistance. State authorities and municipalities can transfer ownership of buildings, non-residential buildings and structures, even land plots to a legal entity.

Also, legal entities can receive, according to government programs, on a paid/free basis:

• cars,
• equipment,
• tools and other types of property that must be used exclusively for their intended purpose.

What programs exist to support small businesses?

Small business support is currently provided through 5 programs.

They are initiated by 5 departments:

You can also find a list of regional programs here: https://smb.gov.ru/measuresupport/programs/srf/

No. 1. Ministry of Economic Development.

As part of the program implemented by the Ministry of Economic Development, entrepreneurs are subsidized. Based on the principle of competitive selection, money is “sorted” between regions. Then these funds and part of the municipality’s finances are used to organize the necessary procedures.

No. 2. SME Bank.

Implements a government program. According to it, support for entrepreneurs is provided through a 2-tier system at the expense of partner banks, factoring and leasing companies, and microfinance organizations.

If a legal entity wishes to receive assistance, it must first decide in what form it is needed (microloan, franchising, lending, leasing), and then submit an application to the agent organization.

SME Bank has about 50 of them. Here is just a small part of the agents:

If the organization or banking institution reports a satisfactory solution, you can expect support.

No. 3. Ministry of Agriculture.

The Ministry of Agriculture helps by issuing subsidies and grants to family farms created on the basis of peasant farms and specializing in livestock farming, and to beginning farmers. In addition, the Ministry of Agriculture provides lending support to small entrepreneurs. He takes responsibility for reimbursing some of the costs used to pay interest on loans/credits.

Subsidizing is carried out under loan agreements. Duration – 2, 5, 8 years. The program also provides support in registering land ownership for farms.

No. 4. SME Corporation.

SME Corporation is a system integrator, i.e. it provides information services to small entrepreneurs. A single center has been created on its basis, which provides support to the financial and credit area.

It solves a number of problems:

Government support for small and medium-sized businesses.

How does the government support entrepreneurs?
Expectation and reality.

No. 5. Foundation for Assistance in the Field of Science and Technology.

Promoting the development of small enterprises, it implements projects aimed at:

1. Development of innovations.
2. Generation of high-tech firms.

It also contributes to the transformation of an innovative product into a market one (commercialization) and the creation of jobs.

Small Business Support Fund annually finances legal entities throughout the country with at least 10 billion. If your business meets the FFPIP requirements, you can also apply for help.

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Help for small businesses: organizational support system + 4 detailed options.

A small business that gives its owner financial independence is the dream of everyone who doesn’t want to work for their uncle.

Unfortunately, not everyone can boast of having a decent amount in their account to start their planned project.

Of course, there is always a way out. In this case, there are several of them - be patient and earn capital, take a loan or borrow from relatives / friends / acquaintances, .

But there is also an option like small business assistance, which comes in several types.

So, today we will talk about how our state supports the development of beginning and experienced entrepreneurs.

State assistance to small businesses: organizational system for supporting entrepreneurs

The main regulatory act that we need to rely on in our article is Federal Law No. 209 “On the development of small and medium-sized businesses in the Russian Federation.”

Its full text can be found by following the link: https://www.consultant.ru/document/cons_doc_LAW_52144

Also, each region has its own body, which is responsible for implementing measures to help entrepreneurs.

Their complete list is posted on the official website of the Ministry of Economic Development of the Russian Federation in the “Small Business” section: https://economy.gov.ru/minec/activity/sections/smallBusiness

Why is it so important to support entrepreneurs?

Thus, in Russia, thanks to small and medium-sized businesses alone, more than 16 million citizens are provided with work (which is a quarter of the total employed population).

In addition, 20% of GDP comes from SMEs, although in the world this figure is close to 35%, so we have room for improvement.

The role of SMEs in the economy of an entire country is very significant. Let's briefly talk about its importance:

• creation of new jobs;
• formation of healthy competition in the market and adequate pricing of goods and services;
• revenues to budgets of all levels;
• filling those niches where large businesses cannot fit in (providing household services to the population, small wholesale, marketing).

But small and medium-sized business owners have to constantly face problems and difficulties:

• economic instability in the country;
• lack of financial resources both for opening and developing a business;
• high tax burden and complexity of preparing financial statements;
• constant changes in legislation;
• lack of personnel (qualified specialists prefer to work for business “sharks”, ignoring entrepreneurs);
• difficulty in obtaining loans (not every bank wants to get involved with a small business).

Agree, not every experienced businessman will be able to withstand the difficulties described above, what can we say about beginners.

That is why the state must provide assistance to entrepreneurs.

In 2016, more than 11 billion rubles were allocated from the Russian budget to support SMEs.

But, unfortunately, the amount of assistance to small businesses from the state tends to decrease.

Thus, in 2014, about 20 billion rubles were allocated to support SMEs, and already in 2015 - 17 billion. In 2016, it was planned to provide financial assistance in the amount of almost 15 billion from the federal budget, but in fact it turned out to be 11 billion.

In 2017, this trend towards a decrease in financial assistance continues. The state is ready to provide only 7.5 billion rubles.

Therefore, those who count on it will have to make a lot of effort to get it.

The structure of expenses for assistance to small businesses in 2017 looks like this:

We’ve sorted out the numbers and facts, but what is the government’s assistance to small businesses?

So, there are the following forms of support for SMEs:

• financial - provision of financial resources for opening and developing small businesses (compensations, subsidies, grants, soft loans);
• property - provision of state property to entrepreneurs on the right of use (land plots, industrial premises);
• information and consulting- formation of information systems, as well as free consultations on doing business (trainings, seminars, courses);
• infrastructure- creating comfortable conditions for doing business, as well as creating business incubators, multi-purpose funds, entrepreneur centers;
• organizational- assistance in participation in exhibitions and fairs.

Help for small businesses: who can count?

The priority areas that the state is ready to help are:

• area of ​​food and industrial production;
• innovation;
• provision of household and utility services;
• healthcare;
• tourism, in particular ecotourism;
• folk craft and creativity.

Help for small and medium-sized businesses: 4 types

In general, we can distinguish 4 types of financial assistance to small and medium-sized businesses from the state. Let's look at each of them.

1. Money from the employment center (self-employment grant).

In order to combat unemployment and informal employment, the state is ready to provide one-time financial assistance for starting a small business.

The amount of assistance in 2017 is 58.8 thousand rubles.

If your business can provide work for one or more citizens, then the self-employment grant can be increased by 58.8 thousand rubles. for each hired employee.

This program applies exclusively to the opening of individual entrepreneurship and cannot be applied to:

• minors (under 16 years of age) and pensioners;
• full-time students;
• current individual entrepreneurs or founders of LLC;
• citizens with disabilities belonging to a non-working group;
• young mothers on maternity leave;
• those who work under an employment contract;
• those who refused the job offered at the employment center.

In addition to the documents that must be submitted in order to register with the employment center, in order to receive government assistance for small businesses you will need:

• statement;
• copy of bank account;
• project.

If you are unemployed and want to get start-up capital to start your own business, you will need to take the following steps:

So, your application is approved, after which they will conclude an agreement with you that you have received money to open a business. The funds received must be spent only for their intended purpose and must be moved strictly according to plan.

You must appear within the deadlines established by the employment center to provide reports on the funds spent.

In case of violation of the terms of the contract (misuse, termination of business activities ahead of schedule), you will have to receive the assistance you received.

2. Grants for beginning entrepreneurs.

This option of helping small businesses from the state is suitable for those who have a certain amount for its opening and development.

That is, funds are ready to compensate part of the costs of opening a business in the amount of up to 500 thousand rubles.

The grant scheme is as follows:

Drawing up a strategy.

This includes drawing up a detailed business plan that will cover production, organizational, financial, and marketing issues.

Study of public funds.

On the ministry’s website you can find bodies and funds that are ready to support.

Familiarize yourself with the areas and requirements for candidates in which organizations operate.

Preparation of documents and application.

This stage must be approached with all responsibility, because if even one document is missing or the application is filled out incorrectly, the commission may reject your candidacy.

Submitting an application and waiting for the commission's decision.

The commission draws up a certain point system by which it evaluates submitted projects.

The one who scores the most points will become the recipient of the grant.

The funds received can be spent on the purchase of equipment, equipment, raw materials, and covering rent, but not to pay salaries to employees. In any case, the use of money should be targeted.

Unfortunately, not everyone can receive such a grant to open a small and medium-sized business.

For the rational distribution of financial resources, the state can determine various requirements for candidates:

• entrepreneurial age no more than 2 years;
• completing basic courses on entrepreneurship;
• the business should not be associated with gaming, banking, insurance activities, as well as the provision of intermediary services and resale of goods;
• absence of debts to the state;
• employment of a certain number of people.

• laid off from their previous place of work;
• university graduates;
• single mother;
• retired military;
• disabled people.

Ideas that the commission will consider for grants:

• innovation;
• socially significant industries;
• agriculture;
• export-oriented production;
• education;
• tourism;
• advertising, marketing.

3. Loan on preferential terms.

Getting a loan from a bank is quite difficult and painstaking work, which does not always end in success.

Therefore, why not try your luck and ask for a loan from the state, but on preferential terms?

The essence of obtaining a preferential loan comes down to the following:

1. Guaranteed lending support is provided by the Federal Corporation for the Development of Small and Medium Enterprises.
2. As of this year, preferential rates for lending to small businesses are 11%, for medium-sized ones - 10% (for comparison: you can take out a loan on regular terms at 24-25% per annum).
3. The maximum loan size is 1 billion rubles, and the term is 3 years.
4. Loans are issued to those entrepreneurs whose successful activities last for about six months.
5. Loans are not issued to those who are on the verge of bankruptcy, who have outstanding debts and questionable credit history.

A loan on preferential terms can be issued for the following purposes:

• increase in working capital;
• purchase of real estate and transport for doing business;
• participation in government contracts.

4. Subsidizing small and medium-sized businesses.

Assistance to small businesses from the state in the form of subsidies is carried out on the basis of Decree of the Government of the Russian Federation No. 1605: https://www.consultant.ru/document/cons_doc_LAW_173683

For those who don’t know: subsidies are the receipt of a certain amount of funds for specific purposes.

As a rule, money is issued free of charge and irrevocably. Unlike a grant, the amounts of which are received in tranches, the subsidy is received in one amount at once.

To help small and medium-sized businesses, the following types of subsidies are issued in the following amounts:

The size of subsidies may differ in different regions, but the scheme for issuing them is approximately the same:

1. Compliance check:
   • the period of activity of the enterprise is no more than 2 years;
   • no debt;
   • the candidate himself is able to cover the costs of the project in the amount of 50% of the total amount.
2. Submitting an application
3. Acceptance of application
4. Competitive selection
5. Receiving subsidies, providing reports on the targeted use of assistance to small businesses.

The new government program gives beginners the opportunity

entrepreneurs to open their own business.

How to get this help is described in detail in the video:

Small Business Assistance Program

In 2017, the following government assistance programs for small businesses will be in effect:

• “Cooperation” - you can get up to 20 million rubles. for business development, namely: improving the quality of the goods produced or services provided;
• “Development” - the maximum amount of assistance to small businesses can be 15 million rubles, which must be spent on improving production and creating new jobs;
• “Start” - carried out in 3 stages: 1 million rubles, 2 million rubles. and 3 million rubles. This small business assistance program focuses on the creation of new products and technologies.

The proposed list does not end here, since there are many other programs, as well as funds that provide support to entrepreneurs.

Help for small businesses is not limited only to the state. There are many foreign venture and investment funds that are ready to cooperate with young and promising entrepreneurs.

You just need to knock on all doors, and not wait for someone to sponsor your idea.

Of course, those who produce a socially significant product or have made an innovative breakthrough have a greater chance of success. But again, everything is in your hands, so don’t be lazy and start taking action.

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Business development is one of the highest priority government tasks. After all, business is the basis for budget formation. From this article you will learn what the essence of the small business support program is, how to get a subsidy and what are the conditions for receiving a subsidy in 2019

Economic instability in Russia, which has been observed for more than a year, has deprived many citizens of jobs and decent wages. Small and medium-sized businesses have become an alternative for this category of the population. However, due to a lack of funds, most do not have the opportunity to open their own business. That is why the state decided to issue subsidies for opening and supporting small businesses in 2019.

What is the subsidization of individual entrepreneurs?

A subsidy is a type of non-repayable cash assistance for business entities, which is issued for the intended use (business).

Assistance to small businesses may be allocated for the following purposes:

• acquisition of premises;
• purchase of equipment, goods for subsequent sale;
• purchases of intangible assets.

The allocated funds must be directed to the development of small and medium-sized businesses. Government authorities will later be able to request official supporting documents from the recipient, for example, checks, invoices with the specified amount. If the funds were not fully spent, the rest will need to be returned.

Types of financial assistance and conditions for supporting small businesses

1. Grants for entrepreneurs just starting a business, amount to 60,000 rubles or 12 monthly benefits. Grants to support small businesses are provided to individuals who have been registered as business owners for more than 2 years. Funds are issued on a competitive basis with the aim of using them for business needs, in addition to renting premises and paying wages to hired workers. The grant is also given to unemployed persons, low-income families with young children, disabled children, and former government or military service employees.

1. To purchase fixed assets- the state program to support small businesses in 2019 guarantees the issuance of up to 60,000 rubles for entrepreneurship, which in the future will increase the number of jobs, tax revenues to the federal budget, and increase the social significance of small businesses.

Private entrepreneurs in the industrial, housing and communal services, economic and social spheres who:

• prepare and defend a business development project;
• will provide a complete package of documents upon request of the commission.

1. Cash subsidies for business from the Employment Center 2019- the state offers up to 25,000 rubles for opening a small private business.

1. Compensation for loans previously received for the development of small and medium-sized businesses- the 2019 program was proposed by the Russian Government for financial and property support.

To cover part of the interest rate, the entrepreneur provides a business plan and the necessary documents, after which a decision is made to provide financial assistance to this person.

1. Financial state support for socially vulnerable categories of the population(those released from prison, disabled people, single mothers and fathers, graduates of boarding schools, etc.) - the program provides for the issuance of subsidies in 2019 up to 300,000 rubles to support planned measures for the stabilization and development of entrepreneurship.

1. Training and internships at the expense of government funds, professional retraining(can be issued with full or partial coverage of expenses).

1. Business incubators (usually based on Small Business Support Funds)- assistance in expanding the area of ​​working space (renting premises, warehouses, etc.), training in the basics of entrepreneurship, assistance in drawing up a business plan based on a sample for receiving a subsidy.

1. Assistance in maintaining accounting and tax records free of charge (outsourcing).

1. Promoting the development of innovative technologies 2019- the state allocates funds to cover the costs of promoting a new product, acquiring a patent and licensing rights for it (maximum 60,000 rubles).

Is it possible to receive subsidies to support small and medium-sized businesses in the Russian Federation and where?

In Russia it is offered state. financing of individual entrepreneurs in special centers and business support funds, as well as in the Employment Center.

Getting help at the Job Center

To receive financial assistance, officially unemployed persons must register with the Employment Center and fill out a standard application form according to the sample.

You will also need to provide the following documents:

• passport of a citizen of the Russian Federation indicating the place of registration;
• TIN in the prescribed form;
• document on secondary or higher education;
• a certificate for the last six months indicating the average salary (for persons who were previously employed);
• other documents (at the request of the inspector).

After submitting documents, service employees will be offered the option of receiving one-time (non-refundable) assistance for starting a business. It is best to first take entrepreneurship courses, draw up a correct business plan and present it to the commission for review.

If the decision is positive, you will need to register with the Tax Inspectorate as an entrepreneur, on the basis of which assistance will be transferred to the unemployed.

State subsidy for starting a business 2019: what is needed?

1. Select the type of activity you plan to engage in.
2. Draw up a business plan for a subsidy.
3. Register as an individual entrepreneur.
4. Apply to the state. body that provides subsidies to small businesses.
5. Confirm the need to receive payments.
6. Compile the approximate costs of opening and developing a business and provide it to the commission for review.
7. Collect a package of documents necessary for obtaining a subsidy (passport, Taxpayer Identification Number, income certificate, etc.).

Within 60 days, the commission makes a decision to provide a subsidy as a way to support small businesses by the state, of which the entrepreneur is notified by mail and by telephone.

Subsidy programs can be found in detail on the website of the portal of the Government of the Russian Federation and the Ministry of Social Policy.

In 2019, the system of state support for small and medium-sized businesses became more improved, which makes it possible to allocate assistance to various segments of the population for any type of activity.

See also:

The number and total income of small and medium-sized enterprises (SMEs) is one of the main indicators of the development of any country.

At the same time, due to its specificity, SMEs have a pronounced regional aspect - small and medium-sized enterprises build their activities based, first of all, on the needs of the local market, the volume and structure of local demand.
The level of development of SMEs in the region is an indicator of a favorable climate for business development, attracting investment and expanding areas of activity. It reflects the socio-economic situation of a particular region.

How are things going in Moscow?

• In Moscow, according to expert estimates, SMEs account for about 25% of the gross regional product, which is 1.5–2 times lower than in many large cities of the world (London, New York, Hong Kong and Tokyo).
• The population employed by SMEs in Moscow is 34% of the total employed population, which is again 1.5-2 times lower than in many large cities of the world.
• The structure of Moscow SMEs is also imperfect: the share of transport, communications, healthcare, utilities and social services is low.
• In general, SMEs provide no more than 9-10% of tax revenues to the Moscow budget.

The task of significantly strengthening the contribution of SMEs to the modernization of the Moscow economy and to solving the social problems of the metropolitan metropolis can be solved only if there are properly oriented and clearly verified forms and instruments of state policy for the development and support of small and medium-sized businesses.

That's why In recent years, the Moscow government has been paying increasing attention to the formation of a truly functioning mechanism for supporting small and medium-sized businesses.

According to the provisions of the Subprogram “Development of Small and Medium Enterprises” in the State Program of the City of Moscow “Stimulating Economic Activity for 2012–2016” creating favorable conditions for entrepreneurial activity and ensuring the sustainable development of small and medium-sized businesses is one of the most important conditions for increasing the competitiveness of the Moscow economy as a whole.

Within the framework of this subprogram, the Moscow Department of Science, Industrial Policy and Entrepreneurship implements various types of support for small and medium-sized businesses:

1. financial support;
2. property support;
3. information support;
4. consulting support;
5. support for small and medium-sized businesses in the field of training, retraining and advanced training of personnel;

Yes, really working forms of financial support for small and medium-sized businesses in Moscow:

Subsidies are provided monthly, according to the approved schedule:

Schedule for consideration of applications for subsidies to small and medium-sized businesses in Moscow in 2014

It should be noted that for enterprises SMEs operating in the industrial sector Additional types of support are provided:

• subsidies to employers for the training of specialists with secondary vocational education
• subsidies to reimburse part of the costs associated with obtaining an international certificate
• subsidies to reimburse part of the costs of paying lease payments
• subsidies to reimburse part of the cost of paying interest on the loan
• subsidies to management organizations of technopolises and industrial parks for the development of the property complex

A separate package of subsidies is also provided for innovative small and medium-sized businesses.

The financial support system for SMEs in Moscow also includes:

• Moscow Small Business Lending Fund, - provides security (guarantees) for the obligations of small and medium-sized businesses (loan agreements, agreements on the provision of a bank guarantee);
• Microfinance Development Assistance Fund, — provides loans to microfinance organizations for the purpose of further financing of small and medium-sized businesses. Microfinance organizations issue loans of up to 1 million rubles. at 13-19% per annum.

Operates at the federal level Russian Bank for Support of Small and Medium Enterprises. The network of its partner banks (as of April 1, 2014 – 249 banks) implements a variety of preferential lending programs for small and medium-sized businesses.

It should be said that this is only a small part of the SME support programs operating in Moscow. And each of them has its own subspecies, nuances and conditions.
And practice shows their unconditional and actual availability for every small and medium-sized enterprise.
However, experience also shows: in order to use them competently and with minimal risk of refusal due to insufficient justification of your project, you should approach the process “with sense, feeling, arrangement.”
It is strongly recommended to study the detailed terms and conditions and mechanisms for obtaining support, build a step-by-step diagram of your actions, and correctly fill out all the necessary documents.

For our part, we can invite you to visit our workshop “Small and medium-sized businesses in Moscow: receiving subsidies, loans and benefits” , developed in order to maximize the orientation of SMEs in the questions of “who? How many? how to get it?” and take full advantage of the mechanisms for business support and development.
The seminar is held with the participation Moscow Small Business Lending Fund .
The detailed program of the seminar can be viewed.
The next seminar will be held in Moscow on October 10, 2014.
When submitting an application before August 10, a 15% discount (discount code “MSB15” should be indicated in the “Comment” field when submitting an application).