What help small businesses can get in 2023: 5 measures you are eligible for

Who can count on help

A business is considered small when its annual turnover does not exceed 800 million rubles, and the number of employees is 100 people. Support is usually directed to priority sectors for the state, such as IT, agriculture or tourism. Their list may vary in different regions.

By the way, if an entrepreneur has already participated in state assistance programs, then it is taken into account how he fulfilled their conditions. For example, a company owner who received a targeted subsidy for the purchase of equipment, but spent it on renting premises, will not be able to claim new benefits.

What types of assistance are available

1. Grants for starting a business

This is targeted funding that can only be spent on starting your own business. To receive money, you need to contact the local authority, draw up an application and attach a business plan. To prepare the right appeal will help in the centers "My business- there are such in every region.

If the future business owner is under 25, then he can count for a special grant for young entrepreneurs - from 100,000 to 500,000 rubles (or up to 1 million rubles if the company operates in the Arctic zone). To get this help, you need:

• Check company accounts. They should not have debts for taxes and contributions of more than 1,000 rubles.
• Get training in the basics of entrepreneurship. This can be done free of charge at the My Business centers.
• Invest at least 25% of your money. For example, if you want to purchase equipment for a grant, then a quarter of its cost must be paid by yourself.

You can get a grant at the place of business registration. The age of the company does not matter.

2. Help with credits and loans

Most benefits for small entrepreneurs are related to bank loans. All loans under such programs are targeted. Several types of support are provided.

• Loans at preferential rates. According to the program from the Bank of Russia available up to 2 billion rubles at a rate of 11.5%, by program Ministry of Economic Development - up to 500 million at 10.25%. If the enterprise is engaged in the manufacturing industry, processing of agricultural products or the hotel business, then conditions loans are as follows: up to 500 million rubles at a rate of 4.5%.
• Guaranteed support for loans. Talking about loans available state guarantee. The conditions for different organizations are not the same, but there is a general requirement: a business applying for such assistance should not deal in minerals and excisable goods. A guarantee can be obtained from the federal SME corporations, as well as from regional organizations.
• Loan at a reduced rate. When money is needed urgently, and there is no time to collect documents for a full-fledged loan, you can get a microloan at a favorable rate. To do this, you will have to contact a state organization, after checking whether it is in register of the Bank of Russia. Interest rates for small businesses on a microloan average 6%, but can be found lower. Therefore, before making a deal, compare the conditions of different lenders.

3. Subsidies

This is government funding, which, unlike a loan, does not need to be repaid. It is issued on a competitive basis and only for a specific purpose, such as the purchase of equipment or raw materials. The amount of subsidies depends on the region and the specific state support program. You can find the necessary information on the portal for small and medium-sized businesses in a particular region. List with their addresses and contacts is on the My Business portal.

4. Rental benefits

You can not get them for any room. First of all, entrepreneurs will be offered to choose a suitable area in existing technology parks and business incubators. This may be more useful than an independent search - the owner of the company will receive a ready-made infrastructure and fresh repairs. By the way, the self-employed can also apply for such assistance.

Detailed information on benefits is available on the website of the Ministry of Economic Development of a particular region. You can also request it at the My Business centers.

5. Training and consulting

There are several ways to upgrade your business skills for free. Online classes are presented, for example, on the portal "My business" And SME digital platform. Also, suitable programs, courses and trainings are available on the website of the SME Corporation. In the regions, training can be completed at local funds for supporting small and medium-sized businesses.

Sometimes business owners need situational help, such as drafting a complex supplier contract or calculating taxes. You can also get a free consultation on legal, personnel, tax and accounting issues at the My Business centers.