5 Ways to open IE with no money

To start a business, do not necessarily have a large capital to start. You can get money from the state, or to find an investor to choose a niche that does not require investment.

1. Get a grant from the state

The Russian businessmen can count on government subsidies and grants. But there is a difficulty: to get the money you need to have a business that has at least a few months. At the same time there is a subsidy, available to all, - financial support for IP discovery. Can get itOrder of the Russian Federation from FES 30.03.1993 N 37 "On approval of the Regulations on the work of employment agencies with the unemployed citizens who want to organize their own business, and the conditions of issuance of subsidies" people older than 18 years, officially unemployed, which is at least a month on the account of the labor market. Payment will be especially useful to those who have lost their jobs and can not find his place in life.

For subsidies need to draw up a detailed business planIt will help to make on the stock exchange. If the state does not like a business plan, support will be denied. This can happen if the numbers look strange or idea quite uninteresting. For example, if you want to open a grocery store in the area, where they were so full. In practice, very often subsidize social projects such as the opening of the center for the disabled.

The subsidy - unemployment benefits for the year. It depends on the region, but you can expect about 60 thousand rubles. Just like to spend money not work: for each ruble will have to report receipts and documents.

Pros:

• Money can not return.
• At the stock exchange will help to pass the legal formalities and will teach the basics of business.

Minuses:

• We'll have to wait their turn and prove what your project should be funded.
• Necessarily be unemployed, so to keep their jobs as long as the business is not adjusted, will not work.
• Money is not a lot - may not be enough even for the first month of business existence.

The subsidy will be useful as additional financial support, but only to open a business on it is quite risky.

2. Take a soft loan for SP

Some banks give preferential loans to individual entrepreneurs to open a business. These loans are provided by the state: it pays the bank the money, and that can reduce the interest rate for the budding entrepreneur. To qualify as a businessman, it is necessary to first open the SP. For this you need to pay a fee of 800 rubles (560 rubles if you pay through Public services).

As in the case of subsidies, many programs only apply to businesses that already exist for six months or a year. But in some of the major banks money at a good rate and give budding businessmen. To get just the starting capital, you will need:

• A detailed business plan that will convince the bank to the seriousness of your intentions.
• Guarantor or property that can be left as a deposit: apartment, car, securities. If your project is significant for the state, it can act as a guarantor. Usually willing sureties for social projects and ideas in the field of production, industry and innovation. The bank must be said that you want to get credit with state support - will help you fill out the paper.
• Net credit history - no delinquencies and existing loans.
• Bank account at the bank, where you take the loan. This condition can not be spelled out in the documents but in practice much easier to obtain credit as banks are more loyal to their customers.

concessional lending program is at the following banks:

If you do not need a big capital to start, you can not take the credit for entrepreneurs, and get a credit card for current expenses. Many banks have convenient options with a limit of up to 300 thousand rubles, and the rate of 15%, so that it can be profitable. But the credit card you will open only with a good credit history and the official income, so that the unemployed, this option will not work.

Pros:

• You can get quite a lot of money.
• No strict accountability for spending.

Minuses:

• The credit may be denied.
• Money will have to be repaid.
• Sometimes there is a down payment, so you might need a minimum start-up capital.

Credit - a simple and convenient way to start a business, if you are completely confident in your business idea. If you are afraid to take risks, to take such commitments are not worth it.

3. Become a partner of his employer

When you work officially, the employer pays for your taxes and make contributions to the state. It will be advantageous if you open the SP and sign a direct contract with him - then taxes will fall on your shoulders.

The employer will provide you with an easy start: will produce the goods under implementation or provide advertising and access to the customer for a certain percentage of sales. This is useful if you work the piece: to sell equipment company, are working in the office or the nurse doing for website design companies.

You do not have to spend money on equipment, product or advertising, the first time you will be a regular customer. Gradually it will be possible to earn money and to postpone the start to evolve separately from the employer.

Pros:

• You do not need to borrow money.
• Remain stable earnings.
• There will be time to get acquainted with the business and earn customer base.

Minuses:

• Not every employer will agree to grow a potential competitor.
• First, it will not be your thing, but all the same work for his uncle.
• The method is not suitable for all professions: operator call center or head of department at the SP does not translate.

Become a partner of the former chief - a good first step for those who are thinking about your business, but not ready to rush into business with his head.

4. To capitalize on the knowledge and skills

There is a business that requires little or no initial investment: tutoringServices wizard for an hour, cleaning the apartment or a job as a nanny. You do not need to buy equipment and rent an office - just open IE and work.

Some fear that a tutor to work you need a license. But according to the lawArticle 32 of the RF Law "On Education" for self-employment of pedagogical activity license is not necessary. If you do not control the Agency tutors or does not issue diplomas to spend money on it is not necessary.

Start-up capital may only be needed for advertising. But if you have a wide circle of friends or people who know about your professionalism, you will do without advertising: the first customers will come by themselves, and then word of mouth will work.

Pros:

• No debt. If all else fails, you can just drop everything and go to work in the profession.
• The present work on yourself, no one requires a business plan is not worth the soul.

Minuses:

• You need to be an expert in your field.
• Without a wide circle of acquaintances will have to spend on advertising.
• Sometimes you need to buy supplies.

Earning knowledge is well combined with a subsidy from the State or subsidized loan, because the opening of such a business is enough even small money.

5. Find an investor

If you have a cool idea for a business, it is possible to find an investor among relatives, friends, acquaintances or strangers, who are looking for where to invest finances for profit. Once you open the business to investor funds, will have to return him the money or make regular payments. It all depends on the contract.

To find an investor is quite difficult. Before opening the business with friends and relatives, it is worth considering that the money can ruin personal relationships. Third-party people will not give money without a detailed business plan. In addition, investors sometimes do want to take part in the business, that is, the case is completely yours.

Pros:

• There is a chance to attract a large sum.
• The contract may be formulated so that will have to return the money, but if everything goes (for example, the investor receives 50% of the profits). If burned, take with you will have nothing.
• An investor can become an assistant, who will tell you how to build a successful business.

Minuses:

• The idea should be interesting, thought-out and impressive. It is unlikely that someone put in a simple grocery store.
• The search for an investor may take a long time.
• Once you find it, you will need to sign a contract. You may have to spend money on a lawyer.
• If the business goes into the mountain, part of the profit will have to give.

Attracting investment - a step towards the discovery of a serious business, so no experience of business in this way is better not to use. If you are good in business, looking for an investor - the best option from the list.