5 measures of state support for business, which not everyone knows about. But in vain!
Miscellaneous / / November 11, 2021
1. Preferential loan
Such a loan can be obtained by representatives of small and medium-sized businesses or self-employed, if they pay tax on professional income, until 2024 in one of the partner banks (there are 101 of them). The preferential loan rate is calculated according to the formula: the key rate of the Bank of Russia plus no more than 2.75%, so the total value may vary. Loans under the program are issued for the development of a business or entrepreneurial activity, replenishment of working capital and refinancing of an old loan. Depending on the purpose, the maturity period can be from one to 10 years.
To get a loan, you need to meet a number of conditions.
- Business should be in a priority industry - retail and wholesale trade, agriculture, domestic tourism, science and technology, healthcare, education, manufacturing, restaurant business or household services.
- The business must be registered in Russia and included in the Unified RegisterUnified register of small and medium-sized businesses SMEs.
- Revenue for the past calendar year cannot exceed two billion rubles, and the number of employees - more than 250 people.
- The total amount of debts for taxes, fees and other obligatory payments is not more than 50 thousand rubles.
- No wage arrears.
- The company should not be in the process of going into bankruptcy.
2. Grants for the implementation of projects in various fields
If you have a cool idea, but there are not enough funds for its implementation, you can participate in one of the competitions for entrepreneurs. And there are enough of them. For example, there is a chance to compete for a grant for the implementation of social projects and receive from 100 to 500 thousand rubles or even up to one million for entrepreneurs in the Arctic zone. The final amount is determined byGrants for Social Entrepreneurs / "My Business" competition commission. You can spend money on renting and repairing premises, purchasing furniture, promoting a project and much more, but not on paying taxes and paying off loans.
Another option is a competition for entrepreneurs wishing to developResolution of the Government of the Russian Federation of December 7, 2019 No. 1619 "On approval of the Rules for the provision of subsidies from the federal budget for grant support of public and business initiatives aimed at the development of internal and tourism " domestic and inbound tourism. The maximum grant size here is three million rubles. You can get them for the development of new routes, ideas for improving the infrastructure and improvement of existing directions.
Current contests for small and medium-sized businesses are collected on the official state portals. You can find such a resource in your region in the listAuthorized bodies for support of small and medium-sized businesses in the constituent entities of the Russian Federation on the website of the Ministry of Economic Development.
You can find out more about support programs on the portal “My business"Created by the Ministry of Economic Development and the national project"Small and medium business». Here you can read news, check changes in laws, attend free webinars and get advice from specialists of different profiles: lawyers, economists, accountants and personnel officers. In addition, the My Business website contains a database of useful services that will help you develop your business and quickly resolve complex issues.
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3. Training programs for entrepreneurs
Sometimes it is difficult to figure out the intricacies of doing business on your own. You will either need to make mistakes and learn from them, or re-read a lot of literature. Or you can go the third way and sign up for free courses for entrepreneurs from state centers "My Business". Only the necessary, official and relevant information has already been selected there.
There are options for educational programs for both aspiring entrepreneurs and experienced businessmen who want to improve their business. In the courses, you can understand how to work with a personal brand, effectively promote your product or services, resolve legal issues and look for ways to develop a company. You can choose the required course with the help of specialists at an online consultation.
An alternative way to gain knowledge without going through a full-fledged training is webinars and online forums on the My Business portal. At them you can listen to lectures from experts and ask them questions.
4. Preferential tax rate for the self-employed
A special tax regime for individual entrepreneurs and individuals who receive income not from employers, but directly from customers, has been introducedWhat is "Tax on professional income" / Federal Tax Service in 2019. It allows you to pay only 4% of the profit if you receive it from individuals, or 6% from legal entities or individual entrepreneurs. There are no other deductions.
The preferential tax rate makes it possible not to lose a large amount of income, while doing business legally. In addition, the special regime does not require filling out declarations, allows you to combine business with official work under an employment contract and does not oblige you to pay insurance premiums.
To use the reduced rate, you just need to register as a self-employed on the My Tax portal. But, before switching to special mode, make sure that your business meets the following requirements:
- You do not have employees with whom you have entered into an employment contract.
- Annual income does not exceed 2.4 million rubles.
- The type of activity is not included in the listFederal Law No. 422-FZ dated November 27, 2018 (as amended on July 2, 2021) "On conducting an experiment to establish a special tax regime" Tax on professional income "" exceptions.
5. Business incubators
You can start a business right at home: contact employees remotely and, if necessary, rent a warehouse. But if you want to have a separate place to work, you should look for budget options. Thus, an office can be rented from the state for up to 10 years at a price lower than from private owners.
However, a full-fledged premises and its arrangement can become an unbearable burden on the budget of a young business. Therefore, to support entrepreneurs, state business incubators and coworking spaces were created - a common office for several companies at once. The rental price here is minimal, and you don't need to spend money on buying computers, printers and other necessary things - everything is already there and ready to use.
Business incubators also provide meeting rooms, conference rooms and wireless internet. Plus you can getYegor Kovalchuk met with residents of the Innovative Business Incubator / My Business free consulting support from a lawyer and an accountant.
You can check which business incubators are open near you on the map in the section “Infrastructure centers for SMEs in your area"Portal" My business ". All other organizations useful for entrepreneurs are also collected there. For example, technology parks, export support centers, microfinance organizations and
branches of the business support center "My business".
In the latter, you can receive full-time professional advice and a number of services, including registering as a legal entity and conducting an audit. Also in the centers "My Business" are training events on entrepreneurship.
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