7 new measures to support entrepreneurs in Russia

1. Soft loans

Will work three lending programs: anti-crisis, investment and turnover. The anti-crisis program will last until the end of March, the rate on it will not exceed 8.5%. But the loan is available only to firms from affected industriesList of sectors of the Russian economy requiring support in the context of the introduction of restrictive measures (quarantine) / "ConsultantPlus"such as the tourism or hospitality sector.

Entrepreneurs from other areas can take advantage of the investment and turnover programs. The maximum rate for medium-sized companies (no more than 250 employees and 2 billion rubles in annual revenue) is up to 13.5%; for small (no more than 100 employees and 800 million rubles of annual revenue) - up to 15%.

Representatives of small businesses will be offered a loan of up to 300 million rubles to replenish their turnover and up to 1 million rubles for investments. Up to 1 billion rubles can be provided to medium-sized enterprises for all purposes. negotiable loans

available for a period of up to a year, investment - up to three years.

2. Credit holidays

Businessmen who signed a loan agreement before March 1, 2022 can apply for a payment deferral of up to six months. You must contact the bank by September 30th.

Ministry of Economic Development singled out the main industries in which credit holidays will be available:

• public catering;
• tourism;
• Agriculture;
• IT (including the release of computers and software development);
• retail;
• the medicine;
• the science;
• culture;
• manufacturing industries (for example, food, furniture, household chemicals, clothing).

Total in listDecree of the Government of the Russian Federation of March 10, 2022 No. 337 “On approval of the list of industries in which the borrower operates, specified in part 1 of Article 7 of the Federal Law "On Amendments to the Federal Law "On the Central Bank of the Russian Federation (Bank of Russia)" and certain legislative acts of the Russian Federation in part peculiarities of changing the terms of a loan agreement, a loan agreement” and on the invalidation of certain provisions of certain acts of the Government of the Russian Federation” / Russian Government. Official site more than 70 types of business.

During the grace period, the bank will not add a penalty for non-payment of the loan or demand to compensate it ahead of schedule. But interest on the amount of the debt is still accrued - they are simply allowed to be paid off later. Information that you have used the grace period will be included in your credit history, but will not worsen her. The main thing is to make payments on time according to the new schedule after the holidays.

3. Debt restructuring

If a company is facing financial difficulties but is not on the list of affected industries, it is possible to restructure the debt. Bank of Russia recommendedBank of Russia measures to support credit institutions / The Central Bank of the Russian Federation other credit institutions to meet the needs of borrowers who had problems due to sanctions after February 18 - to restructure debt and not impose penalties and fines on loans.

Restructuring is different from refinancing. When refinancing, you take out a new loan to pay off the old one. It is beneficial to resort to it if there is a difference in interest rates. You can apply for refinancing at any bank, but it is important that there are no delays on the current loan.

Restructuring is carried out by the bank that issued the loan. At your request, they can revise the terms, for example, if payments are difficult to make due to a difficult situation. The bank determines the terms of restructuring individually in each case. For example, you may be able to lower your interest rate or reduce your monthly payment by extending the term of your loan.

4. Refusal of scheduled business inspections

By the end of the year, enterprises will releaseDecree of the Government of the Russian Federation of March 10, 2022 No. 336 "On the features of the organization and implementation of state control (supervision), municipal control" / ConsultantPlus from scheduled non-tax audits. But there are exceptions: for example, with a scheduled check, they can still come to a perinatal center or maternity hospital, kindergarten or school.

Unscheduled inspections are allowed only in certain situations - for example, if something threatens the life and health of people or the security of the state. But such checks need to be coordinated with the prosecutor's office.

5. Changes in the program of soft loans "1764"

Until 2024 lastPreferential loans for small and medium-sized businesses under the program 1764 / Mybusiness. RF work of the program of special crediting for business "1764". It involves more than 100 banks that issue soft loans. Lost profits are compensated from the state budget.

Previously, the loan rate was tied to the key rate of the Central Bank. But planned new edition. Now the rates on new loans will be fixed at 15% for micro and small enterprises and 13.5% for medium enterprises.

Preferential loans can be taken by entrepreneurs who work in the following areas:

• Agriculture;
• healthcare;
• manufacturing industry;
• catering business;
• science and technology;
• retail and wholesale trade;
• education;
• domestic tourism;
• domestic services.

The loan is issued for replenishment of working capital, refinancing or business development. You can also take an investment loan, for example, if you need to buy equipment or reconstruct production. The repayment period depends on the type of loan: revolving loan must be repaid within a year, investment - 10 years.

6. Compensation for using the Fast Payment System

Small and medium-sized companies will be reimbursed the bank commission for the use of the FPS for the period from January 1 to July 1. For this allocateExtension of compensation for settlements under the SBP / Mybusiness. RF 500 million rubles.

SBP is a service of the Bank of Russia that helps to transfer money to different banks by phone number. You can also pay for goods and services using a QR code and receive a salary or insurance payments. Commission for business does not exceed 0.7% of the payment amount.

7. Online service Import Substitution Exchange

On the new site a local customer can place a request for the purchase of industrial products, and a supplier can send a price list and offer analogues without unnecessary approvals and intermediaries.

You can search by two tags. "Import substitution" - as a result, analogues of Russian-made foreign goods will appear, "sanctioned products" - imported products that suppliers have. Gradually, they want to include foreign traders who are ready to cooperate with Russia in the database.