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Getting money for business is real! Advice from an active entrepreneur! Where can I get money to start a business? How to get money to start a business from the state

Before you start own business, each entrepreneur goes through a planning stage, during which the main steps that will need to be taken before receiving the first profit are determined. A mandatory component of such a plan is start-up capital. It’s good if the required amount of money has already been put aside in your bank account for a long time, but in most cases, a nascent business requires serious financial investments. What to do if you are absolutely confident in the viability of your business idea and count on a stable income from your future venture? Don’t immediately give up on a brilliant idea - try looking for external sources of funding, because profitable ideas interesting to everyone.

Not only banks are interested in successful investment, although obtaining a business loan is one of the most common ways to start a business. Often your friends or relatives can provide help, and in some cases even the state. Of the most common methods, there are five options for where to get money to start a business:

Option 1: Business loan from a bank

Perhaps the simplest and most natural option. Almost any bank has several lending programs for small and medium-sized businesses, and providing a loan to a large organization or enterprise is regarded as a success of the bank’s management in finding clients (since it is very profitable for the bank).

Business lending programs require fairly high interest rates, especially for just starting a business, and amount to at least 20-26% for small businesses and individual entrepreneurs. The overpayment is considerable, but you have a clearly drawn up agreement with the bank, are insured against revision of its terms and do not have any additional obligations to the bank.

Despite the serious overpayment and the bank’s interest in providing such a loan, it is not so easy to get it - after all, a business that is just beginning to develop is far from stable and does not at all guarantee one hundred percent profitability. In addition, few businesses begin to generate income immediately - most often it takes at least several months to organize all processes, recruit a client base, and so on. In any case, to obtain such a loan, a beginning entrepreneur will have to provide collateral, which can be any property belonging to him (apartment, land plot, car and so on).

Not everyone is ready to risk their own property, so potential businessmen often look for other options where they can get money to start a business.

Option 2: Consumer loan from a bank

Option 3: Borrow funds from loved ones

If your friends or relatives have the amount necessary to start a business, then you can simply borrow money from them. This is convenient, since you can always agree on mutually beneficial conditions; you do not have to provide collateral or overpay a significant amount in interest. An important factor is the speed of receiving funds - you do not need to waste time collecting documents and waiting for the application to be reviewed. True, if your enterprise fails, your relationship with a relative or friend who helped you may be upset.

The option of borrowing funds to start a business from relatives is not suitable for those who decide to immediately start with large volumes of activity, but for a small family business as an individual entrepreneur or LLC, this is the most attractive and profitable way to get the necessary amount.

Option 4: Seek help from the Union of Entrepreneurs

Existing entrepreneurs, who have experienced all the difficulties of business endeavors from their own experience, create their own associations - after all, together it is easier to cope with difficulties. We are talking about unions of entrepreneurs designed to regulate certain areas entrepreneurial activity, provide each other with support, and develop joint ways to solve certain problems. There are both all-Russian and regional unions of entrepreneurs. The largest such association is the Federal Fund for Support of Small Businesses.

Businessmen starting their own business can contact such unions and ask for funds to start. If you like your idea and seem potentially profitable and promising in terms of long-term development, the Union of Entrepreneurs can allocate the amount you need from its own funds. The conditions for providing funds are negotiated individually in each specific case - this could be a regular loan at interest, a partnership offer, temporary deductions from income received.

Option 5: Private Investment

A promising business idea can be used as a means to attract investment to start your business. Make a detailed and well-thought-out business plan and contact private moneylenders - they will provide you with money at a relatively low 7% interest rate, but it is best to pay such debts on time - after all, delay will lead to an increase in debt exponentially.

However, it is not at all necessary to contact usurious firms; you can independently look for an investor among your friends or among wealthy businessmen in your city. If the offer interests them, then getting investment will become much easier. True, most likely, you will be offered money for participation in a future enterprise, which means that you will no longer be its sole owner and will depend on your partner. On the other hand, if both parties are aimed at obtaining a stable and high income and business development, then you should not worry - coinciding goals will provide the necessary unity in decision-making.

Thus, when starting your own business, determine its potential volumes and estimate the size of the initial investment - this will determine available options where to get money to start a business. Greater opportunities are opening up for modest family businesses. It is much more difficult for large-scale ideas to obtain funds for implementation, but the potential income is many times higher. In any case, the beginning of any business should be a viable business idea, which should become the basis for attracting investment.

The question “where to get money” is very active among the entire population. It usually refers to issues such as household appliances and food.

And the answers are more or less standard - earn money or get a loan. Earning start-up capital can be very problematic, and not everyone wants to take out a loan for a risky business. After all, you can go broke, waste a lot of time, and still remain in debt.

But most people just don't know how much in various ways can be cited in answer to the question: where to get money for a business from scratch.

Getting money to start a business is quite easy, and this article will correct this glaring lack of education. What methods of obtaining the required amount are there?

The general list looks like this:

1. Contact business angels;
2. Diversification of capital;
3. Sale of property;
4. Personal savings;
5. Credit;
6. Subsidies as assistance from the state.

Business angels

Unlike their heavenly counterparts, they are in no hurry to open their arms to all ideas. Business angels are people who specialize in finding high-quality and potentially profitable business ideas in order to give start-up capital to a budding entrepreneur, who in turn gave them a share in the business.

Those. In a simplified way, the scheme is this: the angel gives money to start, and in return he receives a certain percentage of all the profits of the enterprise. But reaching them is not such an easy task - remember at least the example of Christopher Columbus, who spent 7 years looking for someone who would take on the financial expenses associated with the expedition that discovered the “New World”.

Business angels can act alone or as part of associations. It is much easier to find an angel who likes a business idea by searching in such an association.

After all, in addition to active investors, there are also passive or candidate investors who, when accepted into the association, show a good level of energy in their search.

When working with them, confidence and perseverance help, because there may be something that they cannot see at first glance good idea. In general it works here old principle“Knock and they will open.”

Even if 5 or 10 investors refuse to finance the venture, this is not a reason to stop your efforts. History is full of instructive examples of how people who could not even get approval hundreds of times found “their investor” and successfully became millionaires or even billionaires.

Diversification of capital

Good method, which is used not only by people who are wondering where to get money for a business from scratch, but also by those who decide to expand the enterprise.

This method involves redirecting financial flows or opening a business that can quickly pay off and help raise money for your dream business.

Simple distribution involves giving up your usual spending items in order to get the amount needed to open a business.

For example, there is Mitrofan, who wants to open his own forge. But to open it, a significant amount is required - 900,000 rubles. But Mitrofan is also an excellent climber, and he decides to earn some money by washing windows in office buildings.

There is not much competition here, the skills and equipment are there - why not try? After the first successes, you can involve more of your acquaintances in the mountaineering business, who will allow you to significantly increase the profitability and profitability of the enterprise, and the opening of the forge in this case will approach by leaps and bounds. This is what an example of a case looks like, which does not require significant investments and quickly pays off.

Sale of property

It is also possible that there are no investors in sight and then the only visible solution seems to be the sale of unnecessary property. It’s good if you have a “spare” car or an apartment or an expensive one Appliances. In such cases, they can be sold to get the necessary amount to open your own business.

But there are also risky people who are ready to sell their real estate and live on rented apartments for the sake of opportunity. In such cases, losing everything is not something illusory at all, but something that can happen in reality.

Such a risky game can lead to increased struggle for the future and success, because everything is at stake. But in case of slippage or failure, a person can fall into severe depression, which can negatively affect a person’s fate and lead to a sad result.

Personal savings

This method is suitable for people with high salaries, when they can easily put it into a savings account at a bank or invest in shares of a large company so as not to lose their money.

In addition, when starting a business, when the business has not yet entered full force, it’s very good to have an additional foundation in the form of a well-paid job.

After all, the most obvious answer to the question of where to get money for a business from scratch is to make money!

If there is no high-paying job, then you should maintain a saving regime and look for a part-time job.

There are also longer options - one of them is to learn programming, the basics of which can be understood in a month or two, practice by performing paid tasks on freelance exchanges (for which they pay very well) and thus collect money for the enterprise or find it through the most permanent job with a high salary.

Credit

Loans can be obtained not only from banking institutions. In addition to them, credit unions or pawn shops can help with start-up capital. In the last two institutions, you can get the required amount with a number of additional clauses that cannot be found in a banking agreement or at a reduced value of the collateral. If you need minor loans, you can also turn to the so-called “credit cafes”.

The peculiarity of credit unions is that they are created to finance certain areas of activity. If you want to try yourself in the restaurant business, you can look for a union that specializes in this part of the service industry.

When going to a pawnshop, you need to be prepared for the fact that the amount of money offered for an item may be several times less than its cost. But the advantage is that it can be bought back.

Subsidies as assistance from the state

A very good start that can be given, and which many do not know about. In the Russian Federation, a business support program is being implemented, which allows you to receive start-up capital to open a business, because from the point of view of the state, business means not only taxes, but also new jobs. The action plan looks like this:

1. Unemployed people need to register at the employment center;
2. Declare to the state your desire to open your own business;
   All expenses that are usually associated with opening individual entrepreneur or is taken over by the state.
3. Complete an entrepreneur training course and pass all necessary tests;
4. , in which everything will be extremely clear;
   Submit it to the supervising business inspector. There is also this trick: to increase the chance of approval of the idea, you can indicate that the products or services will be beneficial for vulnerable segments of the population (if this is true).
5. If it is decided that the idea is worthy, then you will need to personally defend it by answering questions that arise to show the seriousness of the plans and that it is your idea;
6. Go through all registration procedures after the state approves the business plan.

Receive a subsidy in the amount of 60,000 rubles and start acting.

Where can I get money for a business from scratch in Russia? This is a question many aspiring entrepreneurs ask. For many, the only way out seems to be turning to a bank, but there are many other ways to attract capital. Of course, each of them has its own difficulties and characteristics. But anyone can use them. As a result, the businessman will be able to open his own business.

Creating your own reserve

This option is suitable for those who need money not right now, but after some time. The essence of the idea is to constantly set aside a certain amount of money. The amount of savings will depend on several factors:

• amount of income ( wage, interest on deposits, dividends, etc.);
• cost level;
• accumulation periods.

This savings format will allow you to avoid unnecessary overpayments. But not everyone can use this method. If a person spends everything he earns, then he should look for alternative options.

Contacting the bank

When a person thinks about where to get money for a business from scratch, the first thing that comes to mind is to get a loan from a bank. Indeed, the lending sector has become quite relevant and in demand today. People are increasingly taking money for personal needs. But you need to understand that the bank will not give funds to a future entrepreneur so easily. In this situation, you can go the following ways:

1. Check out the usual consumer loan . It is not earmarked, therefore a person has the right to use the allocated money at his own discretion, including to open his own business. But you need to be prepared that the bank will not allocate a large amount.
2. Get money secured by your own real estate. In this case, you can count on a larger amount. It is about 70% of the value of the collateral property. As a rule, it is an apartment, Vacation home, car or other valuables of the client. You need to understand that by pledging your property, a person risks losing it if it is impossible to return the money to the bank.
3. Get a loan to start your own business. And this option is possible, although banks are more willing to give money to entrepreneurs who already have experience behind them. The main feature of this lending format is that the financial institution will issue funds only if there is a competent and well-developed business plan. If a potential borrower can justify the proposed expenses and prove success, then the bank will certainly give him the money.

Loans to start a business are considered one of the riskiest investments for banks. It is not surprising that the interest rates on them are quite high. Therefore, the entrepreneur must calculate whether he can return the money to the bank.

All three loans require the collection of documents. In all cases, a passport is required, often another document confirming identity, and a certificate of income in form 2-NDFL. You can do without confirming your income, but then interest rate the loan will be higher. When applying for a loan as collateral, you will additionally need real estate documents. A loan to start a business will not be issued without providing a business plan with calculations and confirmations.

Often, in order to increase the loan amount or improve lending conditions, people attract guarantors. But they must be reliable and solvent.

It is highly undesirable to take out a loan to start a business for a long time. So the overpayment will be large. In addition, few banks are willing to issue money for such high-risk loans for long time. The ideal time period for a return is from six months to a year.

By the way, a targeted loan for starting a business may have one important feature- an individual debt repayment schedule adjusted to the format of the business. For example, if the business being opened is a seasonal activity, then the payment of the debt can be postponed precisely to those months when the profit will be maximum.

This option is worth considering for those who need to borrow a small amount of money. Not everyone can get money for a business without a loan from relatives. Some people don’t want to risk good relationships; others don’t even have wealthy people around them who are willing to lend money.

When turning to relatives for money, it is worth considering the possibility of paying them a certain amount at the end of the transaction. Let it be a lower percentage than in a bank, but both parties will be satisfied. In addition, during the time the funds are used, the purchasing power of money will decrease. It is quite logical that you need to give more than you took.

Attracting investors

Searching for potential investors is an excellent opportunity to find capital for your own business, especially for those who have not previously been involved in business. The following can be considered as investors:

• one man;
• a group of people;
• organization.

An important feature of this format is that the entrepreneur will have to do a lot of work at the stage of attracting investors. With the help of his business plan, he will have to convince investors that the business can really bring profit. For attraction to bear fruit, you need to pay attention to the following factors:

• Business idea. Investors are especially attracted to new, undeveloped ideas. It is worth studying the situation in the region in advance, assessing the saturation of the market and the demand for the finished product.
• Clear calculations. An investor is a person who wants to get the invested money back, while receiving maximum profit. That is why all calculations must be very clear and reasonable.
• Demand. It is important to conduct a survey or social survey of the population or target group at the planning stage. This way you can understand how relevant the idea is.
• Prototype. If the entrepreneur already has a sample in his hands finished products, then this will significantly increase its chances of attracting investors. They will be able to thoroughly study the product and evaluate all its advantages and disadvantages.
• Registration procedure. Often investors want to become co-owners. Some of them prefer to buy equipment or specialized equipment for themselves, so that if something happens, they can sell it and get the money back.
• Income ratio. It is necessary to discuss in advance with investors what part of the income they will receive. At first, their share can reach 90%. This will allow them to quickly return their own funds.

​A partner is inherently not very different from an investor. Only in this case does he become a co-owner of the company and does not require a return of the invested funds. The technical equipment purchased with his money can be registered in his name, and the profits can be distributed based on the personal contribution of each partner.

It is better to use someone you know and trust as a partner. Drawing up a clear contract should not be neglected. The document must include the following points:

• the size of investments of each partner;
• on what basis will profits be divided;
• under what conditions one of the partners can leave the business.

But in a partnership, a businessman will not be able to work as an individual entrepreneur; he will have to register the business in the form of an LLC or a general partnership.

Receiving support from the state

Many entrepreneurs do not consider the possibility of attracting public funds to develop your own business, but in vain. After all, such forms of investment do not imply the need to return the funds received. Most common following forms state subsidies:

1. benefits at the employment center;
2. grant to support representatives of small and medium-sized businesses;
3. subsidies for landscaping (issued by district administrations).

Contacting the employment center

The first format is the simplest in terms of design. True, such benefits are not available in every region. Therefore, it makes sense to contact your local employment center and find out whether they have funds planned in their budget for issuance to budding entrepreneurs. Receiving such a subsidy is possible if a number of conditions are met:

• the entrepreneur registered with the employment center;
• during the review of vacancies, the person was unable to find a job;
• the applicant has a business plan to open his own business, and he successfully defended it before the employment center commission.

The amount of the benefit depends on the region. In some places it reaches only 50,000 rubles, and in others it significantly exceeds this amount.

Receiving a grant

Grants are issued only to existing entrepreneurs. Therefore, you first need to register as an individual entrepreneur or LLC. Conditions for grants in different regions your own, so you need to study them on local sites. Moreover, all this information is in open access. There are several difficulties in obtaining a grant:

• will require your own investment;
• need a business plan;
• must pass a competitive selection process.

It is not a fact that a person will be able to receive a grant. It is quite possible that someone else will bypass him. Therefore, you should not hope to receive money with 100% probability.

Receiving a subsidy

When we're talking about about subsidies for territory improvement, it means that a person will be able to improve some part of the city. For example, there he can build a park, an entertainment center or something else.

The advantage of this subsidy format is the opportunity to receive an impressive amount. True, it will not be possible to do without your own investments.

Let's sum it up

There are many ways to raise funds to start your own business. The success of the enterprise will depend on the seriousness and focus of the entrepreneur. If he is diligent, purposeful and active, then he has a lot of chances to open his own business.

Looking for money for business? Remember that sooner or later, if they are not from your personal piggy bank, you will have to give them away or pay out profits on a stable and regular basis. Before you get money to start a business, you need to calculate all the pros and cons and identify the most suitable methods for yourself.

Having your own business, working for yourself, developing your own direction is always fun, a little difficult, but few people, having tried this direction once, return back to companies managed by other people. Today we’re going to talk about where you can actually get large and small amounts, and what methods are good for your future site.

Money for business

Opening your own business and finding money for business is a noble endeavor, a little risky, but it can also be a good investment in the future, because, firstly, everyone remembers the saying about risk and champagne, and secondly, sometimes there comes a time when you You understand that you are ready to work exclusively for yourself, and not for your uncle, and you are inspired by the profit indicator exclusively on your sheet, and not by the general reports of companies. Along with the development of the idea, a completely logical question arises: how to get money for a business and at the same time:

• Minimize risks;
• Receive the due amount;
• Spend them wisely;
• Quickly find the amount you need.

In order to minimize the risks of going broke, I recommend drawing up a detailed business plan in advance, regardless of what and how many sources of investment you will use.

How to start a business from scratch without money

Money for business is not as fantastic a concept as it might seem at first glance, and the development of the market, partial support from the state, coming out of the shadows of many areas contributes to what you can try. All that remains is to find the starting capital. If you only have an idea and nothing else, then it’s time, taking advantage of successful global experience, to discover crowdfunding and collect funds from potential investors on specialized platforms.

You yourself specify in advance what method and procedure for paying dividends you will offer. I can’t say that I’m directly convinced that it’s realistic in our country to launch your own business solely on one idea (at a minimum, you need to make connections), but over time, I hope this will become a reality. Therefore, if you are confident in your idea, its competition modern market with others, they calculated in advance the difficulties of entering the market and planned their activities - look, and you will find a way out, where to get money. And I’ll talk about the most popular methods below.

Own savings

If you are inclined to save, then together with purchasing a new car or expanding your living space, you can try to invest in your own business, and thus participate in long-term, but in fact, more effective investments. Speaking about the main advantages of this method of receiving money for business development, I will highlight:

• You coordinate your expenses yourself and don’t have to report financially to anyone;
• You risk only your own money, which means you sleep more soundly and in case of loss you will blame only yourself;
• You make more informed decisions.

There is only one thing left, at least now, make savings and earn a million, so that after some time it turns into the main money for the business.

If time permits, your main area of ​​employment allows, then I recommend developing your business in parallel with other employment and not giving up a stable income at the time of starting.

Sometimes there is no other solution but to take money for a business on a credit basis. Of course, interest, and the very fact that the loan must be repaid put a little psychological pressure on the entrepreneur, but sometimes this is the only opportunity to get the missing, or even the entire amount starting capital. Today, such services are characterized by a number of aspects, including:

• State and private banks issue business loans;
• Different interest rates and conditions;
• Various collateral: from real estate to the actual business itself.

As a rule, money is issued in rubles, and I recommend that if there is an option to choose the time of work, stop at 3-5 years - the average payback period of the project.

You can consider not only a classic loan, but also leasing. In fact, if you need to borrow money for a business up to 10,000,000, then in most cases it is the bank that will help you out.

Open a business with friends

On the one hand, it’s a great idea, because you trust these people, including financially. On the other hand, if you want to lose a friend, then you should lend him money or open a business with him. Of course, this rule is not relevant for everyone, but often such situations occur. If you are positive and that you will be able to make business decisions together, or each of the participants will receive their own separate direction in the development of the company, then it’s time to think about where to invest rubles for both you and your friends.

Borrow from relatives

If you still don’t know how to save money and haven’t been able to save up start-up capital to launch your business, you can call your relatives, remind them of yourself, invite them to Sunday lunch and casually ask for money. The development of the further situation can be presented as follows:

1. You’ll get the money, over time you’ll pay off the debt, and everything will be cool;
2. You get the money, the business doesn’t work, if you don’t give the money back, you’ll lose your relatives;
3. You will not give away money, but will constantly pay dividends from profits.

I am still not very inclined to work with close people, especially relatives, since close family ties leave an imprint on the psychological background and do not always have a favorable effect on future relationships.

Find investors

A modern way to get money for a business, which is one of the most common in our country. Here you can pay attention to domestic investors, as well as international ones, the number of which is increasing every year due to the creation of loyal investment climate conditions. Pros :

1. Independent relationships;
2. Clarity of planning;
3. If giant investors respond to your business proposal, it's a good sign that you've chosen the right concept.

Minuses :

• As with any other case, there is a risk that things won't work out;
• Sometimes too much time is spent looking for investors.

Where to find investors willing to give money for business? There are special online platforms for this, and in addition, competitions and open start-up festivals are often organized to find financial help for your business.

Business angels

People with extensive experience in business will not only help you choose the most effective direction for your business, but in some cases they can also become your first, or even your main investors.

For a novice entrepreneur, such practice is very important, because in addition to solid practical advice, you can also get the necessary psychological support from people who have already experienced this, albeit several years ago.

Government subsidy

If you are still concerned about where to get money for a business from scratch, you can pay attention to government support offers (although let’s be honest, they are not always so attractive that you want to use them). Every year new preferential conditions appear to help you start your own business, including:

• Grants;
• Discounts on loans;
• Loyal leasing conditions in state banks;
• Information support and financial subsidies for businesses, which are opened by the unemployed and newcomers to entrepreneurship.

Basically, they offer preferential terms for the return of loan funds, a series of master classes from experts, but in order to become a participant in such a program and collect all the necessary information, you can waste a lot of time aimlessly.

Launching a related business

This option is beneficial for you, or, for example, your friends who want to invest money at interest. The main advantage of organizing such a platform is that the experience gained from the first one is quite positive, since the business is still functioning. Speaking of the most typical ways opening a related business, we can highlight:

1. Sale of related products (for example, you have a flower shop, and in it you install a display case with soft toys and postcards);
2. You have a transport company and you are buying to provide transport services mobile refrigerator;
3. You are a mother on maternity leave and are launching an online store of children's items and gradually adding consignment items to the site.

Enough the right approach gradually expand your business, allowing you, with the knowledge you have already acquired of the market, to return the invested funds less spontaneously and significantly increase your turnover, reducing risks, including due to the fact that on one site the funds work in different directions diversification.

Today there are many platforms that allow you to present your idea not only for general analysis, but also for potential investors to support you. As a rule, they do this with the expectation of making further profits, although it is possible that wealthy business sharks simply want to support you for free.

As a rule, they invest fiat money, but sometimes you can also count on investing in cryptocurrency. For each project on the sites there is a certain time for collecting funds, and if the amount for it is not collected, the project is automatically excluded from the site.

What business to invest in

The answer to this question is quite complex and requires preliminary detailed monitoring of all factors that are currently present on the market, including:

• Competition;
• Starting amount for entry;
• Average payback period;
• Risks;
• How important is personal presence?
• Sources of investment or start-up capital, and under what conditions;
• Launch dates.

Of course, the direction of the business itself is a key aspect, and not always too original idea will be appreciated, or cases are not uncommon when the launch of a regular small store with products in the area of ​​high-rise buildings is much more profitable than launching a private guarded parking lot in the office center of the city. Here it is important to guess the idea, and not to delay with the deadlines, and to calculate everything and find money for the business.

Starting your own business is a complex process and requires time, patience, and very rarely brings the founder to the crest of a financial wave almost immediately. However, those who want to work and know how to calculate and plan everything in advance, look for basic and additional ways of income, loyally and competently expand the range of goods or services, have a high chance of saving capital, as well as earning money for an apartment. When looking for money, evaluate when it needs to be repaid, in what currency you take out debt for your business, and the inflation rate. Traditionally, I wish you that the money for your business will be successful, and that your business will progress, bringing emotional and financial pleasure.

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Method 1. Get a loan from a bank

Who is most suitable for? Stable companies that have been on the market for several years. Banks require money back guarantees: a large number of enterprises cease operations due to insolvency, so it is difficult for start-up companies to get a loan.

Denis Smirnov, Head of online stock forecast aggregator Raddar:

“Banks are really not ready to finance absolutely every proposed project with an uncertain future. And you can understand their logic - no one wants to invest in risky enterprises.”

In 2017, 9,173,042 individual entrepreneurs closed, 16,775 of them were declared bankrupt in court (Rosstat data)

Advantages . The main advantages of business lending: low interest rate, ease of registration, long period of repayment of debt to the bank

For many financial organizations There are special programs under which they cooperate with entrepreneurs. Business.Ru has prepared a summary table with the main proposals.

Bank loan programs for business

Bank	Program	Lending terms	To whom is it provided? credit		Return Guarantee
	"Business-Invest"	Rate – from 11% The payment period is up to 120 months. The minimum loan amount is 150 thousand for agricultural producers and 500 thousand for other entrepreneurs.	Legal entities and individual entrepreneurs with revenue of less than 400 million per year, who work at least: 3 months - if the activity is related to trade; six months - in other cases, with the exception of seasonal business; year - for seasonal activities. If an individual entrepreneur takes out a loan, then he must be less than 70 years old at the time of execution of the agreement.		Issued on bail, with the guarantee of other persons, or under the patronage of the Federal Business Development Corporation
	Loan for any purpose	Rate – from 12% Validity period - 3 years / Maximum loan - 1 million.	Individual entrepreneur who has opened a bank account		No guarantors or collateral
	Business loan	Rate – 15.5-17% Loan amount – from 300 thousand to 1 million.	Organizations and individual entrepreneurs that have been operating for at least 12 months. Entrepreneurs must be in the age category of 22-65 years	Legal entities must confirm intended use
	Investment lending	Rate – from 10% Loan term – up to 10 years Loan amount – up to 150 million.	Small businesses	They require a collateral (25% of the amount may be released from collateral), support from guarantors or a fund for supporting small entrepreneurs

Risks. Before you take out a loan for business development, carefully assess your capabilities: whether you can repay it. You can get legal advice. Remember: for a new entrepreneur, this is not best source financing.

At first, it is extremely difficult to build a business; you need to pay rent and salaries. And then there is the loan, which cannot even be deferred. You can borrow money from a bank if there is a source of repayment outside. Plus you run the risk of ruining your credit history. I would not recommend such a source.

How to act. To receive money, you need to fulfill the conditions of financial institutions that they impose on borrowers to guarantee repayment of the debt:

• take out a special insurance policy that slightly increases the interest rate;
• leave valuable property as collateral: real estate, a car or other liquid expensive items;
• find a guarantor who will be ready to take on loan obligations in case of unforeseen circumstances;
• provide a business plan. Bank employees will not study the entire document; create for them a shortened version with the most important aspects activities.

In addition, the bank will carefully check your credit history. Failure to pay will significantly increase the likelihood of refusal. If the bank nevertheless decides to cooperate with an unreliable client, it will offer less attractive conditions: it will reduce the loan term and its size, and increase the interest rate. As a result, it is unlikely that you will be able to take more than 1 million rubles, and the overpayment compared to normal conditions can reach 25 percent.

The likelihood of a positive decision also directly depends on the purpose of using the money. Most often, entrepreneurs take out a loan to expand working capital, acquisition of licenses to carry out activities, purchase of equipment and equipment of the enterprise itself.

Olga Danilova, Deputy Head of the Accounting Outsourcing Department

Regardless of the amount of the loan agreement, conclude it in writing. If the agreement does not indicate interest, the organization must pay it at the key rate in effect in the relevant periods. The agreement can specify a special procedure for paying interest. If this is not specified, interest is paid monthly until the day the loan is repaid, inclusive.

note: in addition to interest on loan agreement The document may provide for additional payments. You can check the contract and organize accounting support for the company.

Who will not be approved for a loan?

A request for funds is most likely to be rejected by:

• Legal entities and individual entrepreneurs who will not be able to pay at least part of the costs of starting a business
• Entrepreneurs with fines and overdue loans issued earlier
• Enterprises declared bankrupt
• Applicants with an unprofitable business plan

The hardest thing is to get money for a business from scratch. Usually, financial institutions sign contracts with businessmen who have been successfully running a business for at least one or two years. But if the bank recognizes that the goal is financially promising, it can cooperate even with a novice businessman. Otherwise, seek help from organizations that will petition the bank. Similar funds operate in 82 constituent entities of the Russian Federation. For example, these include:

• “Fund for Assistance in Lending to Small and Medium Businesses”, St. Petersburg;

Funds provide guarantees on a paid basis, for example, St. Petersburg funds charge 0.75% per annum of the guarantee amount.

Method 2. Find a partner

Who is most suitable for?. Searching for a business co-owner should primarily be done by those who plan to open an enterprise with minimal risk of ruin. For example, these are always popular food outlets or shops.

Advantages. Increase in starting capital. If you lack funds, you can always take out a “double” loan, or sign up a partner as a guarantor. Possibility of distribution of responsibilities: each of the co-owners of the business performs functions that are most consistent with his experience and knowledge. Support in difficult situations. A partner will always come to the rescue in cases where the entrepreneur cannot cope with the problem on his own.

Denis Smirnov, head of the online aggregator of stock forecasts Raddar:

The advantages include the possibility of reducing costs at the initial stage if responsibilities are correctly distributed within the team. This, however, is a rather short-term benefit, since fast development The enterprise will still require the involvement of qualified personnel.

Important . Feel free to outsource responsibilities that cannot be distributed. This applies to specialists, whom a start-up company cannot do without, but hiring them on staff is too expensive. For example, a lawyer, occupational safety specialist, accountant. For example, the services of an accountant will cost an average of seven thousand rubles.

The benefits also include an increase in useful connections and support in difficult situations: it is easier to make decisions together.

Risks. A partner can leave the business at any time and receive compensation for his part; he also has the right to sell his share to a third party. A new person who comes in his place can disrupt the work and prevent the implementation of the existing strategy.

Vyacheslav Zolotukhin, ideologist and founder of the professional social network Evolution with blockchain technology:

You may not work well with your partner. And if the attraction of a partner also happened on early stage, then you can sell a huge part of the project for super-little money, and this is very unprofitable.

How to act. Carefully evaluate the person you are planning to do business with. He not only must have certain knowledge and skills. But also to be trusted.

Dmitry Chernov, chairman of the committee of the Orenburg branch of “Support of Russia”:

You must be 110% confident in your partner. There are dishonest partners who are trying to return their funds, add additional interest, leave the business, afraid of the first difficult months

Develop a joint business plan that will satisfy both aspiring businessmen. You can only give your all to a project that impresses;

Fix the issues of joint business in the partnership agreement. An official paper will help resolve controversial situations, which often arise even between close people.

Important. Don't cooperate with relatives. Very soon they will feel that they are in a privileged position and will begin to make additional demands.

You can involve not only acquaintances in doing business together. The search for startup partners can be done on special Internet platforms. You can also get investment there by presenting your project or an already operating business. Russian platforms working in this direction include:

• Business is a special forum created to find and attract business partners. Every day up to 10 proposals for conducting business appear. You can create your own thread and talk about the benefits of the idea;
• StartupPoint is the first Russian platform for finding investors and partners. The database contains more than 4.5 thousand projects.

Method 3. Contact investors

Who is most suitable for? Investments for business development assume that the investor will receive certain funds, while completely withdrawing from the direct conduct of the business. Therefore, if you plan to open simple business, for example, a car repair shop, then it is better not to contact investors. The method is optimal for those who have discovered a new technology or are planning to bring a unique product to the market. However, keep in mind: one idea is not enough.

Zamir Shukhov, CEO and partner of Global Venture Alliance GVA:

There are many interesting memes on the Internet on this topic. One of them depicts a meeting between two people. One says to the other: “You know, I have great idea business and all I need is investment, developers, an office and help with my first clients.” And the second one answers him: “So, in essence, you have nothing!” In fact, this is also the real state of affairs. If a person only has an idea, then it is extremely unlikely that anyone will be ready to give him money for this idea, unless it is a bank or collateral for some property for a small business loan.

Example of an investment agreement

Advantages. It is difficult to accumulate a certain amount necessary to implement your own project; taking out a loan from banks is unprofitable and risks ending up in a debt trap. Therefore, beginning entrepreneurs often seek to attract outside investors to their business. An example for inspiration is “Apple”: having invested 91 million of other people’s money, the brand owner managed not only to receive a huge income himself, but also to return $154 million to investors.

Risks. When attracting investors, remember that you will have to part with part of the profit. Moreover, if the business has to be liquidated, the investor will receive the money first. The entrepreneur himself may still owe money to third parties. In addition, the investor owns a certain part of the company's portfolio. He can participate in decision-making and even initiate the sale of the company if he has a certain block of shares or owns a significant share.

How to act.

Many individuals and a number of organizations can be involved in investing in a project, for example:

1. Friends and relatives. Russians prefer to save money rather than put it into business. This position is often due to low financial literacy. However, people are often ready to entrust their savings to family members or acquaintances, especially if the specter of big profits appears before them.
2. Successful businessmen. Business people usually know the value of money and are willing to invest only in projects that are more likely to pay off. Therefore, it is worth contacting it only if the idea is formalized and supported by appropriate calculations.
3. Investment funds. Organizations that specialize in business support and receive their main income from paid off investments. Therefore, the selection of candidates for receiving funds is approached carefully. An aspiring entrepreneur will be able to receive funds only if he provides a carefully developed plan for the organization and operation of the enterprise.

A promising place where aspiring entrepreneurs can look for investors is the AngelList platform. There are about 400 companies and 3,200 investors in the Russian segment of the database. Also interesting is the Napartner portal, which claims to have attracted about $6.25 million in investments.

Getting borrowed funds is not so easy. Investors need to be provided with comprehensive information about the project. Any investor will want to know what the invested money will be used for, so they require the applicant to detailed business plan, presentation of the project, which will reflect the essence of the activities of the future enterprise, cost plan.

It will be easier to find an investor if you can provide a money-back guarantee.

Pavel Spichakov, managing partner of the Promslavl group of companies:

It is important for investors that a significant part of the money is invested not in virtual, but in tangible assets: land, buildings, equipment. One of the activities is assistance active people seeking to create own production, in search of investors.

Method 4. Use crowdfunding

Who is most suitable for? Crowdfunding is mainly used to raise funds for charity. Of course, you can also raise enough money for a cannery, but the process will take a lot of time. Therefore, for those who are looking for quick business investments, this method is not suitable. As well as for entrepreneurs who do not have their own funds or are not ready to reward investors.

Advantages. Crowdfunding allows you to attract money from not just one, but many investors at once. For startups, this is an opportunity to start operations with virtually no preliminary investment, advertise their services and assess the demand for them in the market.

Alexey Basenko, CEO of SimpleFinance:

Crowdfunding is alternative way attracting financing for business development. The client does not need to waste time on office visits; the entire process takes place remotely, online, with a minimum package of documents. In essence, a full-fledged alternative to the banking system is being created.

Risks. When starting a business using crowdfunding, you should be especially careful: if you fail to implement the project, you can lose your reputation and say goodbye to the opportunity to open an existing business in the future.

Zamir Shukhov, CEO and partner of Global Venture Alliance (GVA):

Crowdfunding is a very good and interesting tool. But if you raise money and then don't deliver the product to people, you can even be prosecuted in court. Essentially, this is a scam. Here you need to be very careful and understand that you must sell the product and deliver it to your customers.

How to act. Register on a special platform on the Internet, post a video presentation of your project, and tell us about it. You can try your hand at Planete.ru or Boomstarter.

Semyon Kibalo, an entrepreneur and traveler from St. Petersburg, collected 202,304 rubles in 40 days for his project “Reality Show Business from Japan.” As a result, he created 10 tips that will help you take advantage of crowdfunding.

Semyon Kibalo, entrepreneur and traveler from St. Petersburg, author of the blog “idea hunter”:

1. Tell us how your project can be useful to others, convey its value.

2. Make a short, honest video presentation about your idea.

3. Provide reasonable collection numbers.

4. Provide small, interesting incentives for sponsors.

5. Don’t expect money to come to you on its own.

6. Create a fundraising plan.

7. Be prepared for both positive and negative feedback.

8. If you run out of energy, don’t despair, the peak of the collection occurs in the first and last weeks.

9. Work as a team.

10. Thank every person who supported your project.

Guzel Sanzhapova, the creator of the Cocco bello brand, collected 4.5 million rubles through crowdfunding for 4 of her projects for the production of cream honey in the village of Maly Turysh.

Method 5. Get a grant

Who is most suitable for? Most often, grants and competitions are held among entrepreneurs working in the field of high technology, medicine, education, ecology, as well as those who propose innovative projects.

Advantages. The winners receive special grants, which are used as initial investments to start a business.

Risks. Typically, a grant is awarded subject to compliance certain conditions. And only if the company matches them, the money will be transferred to its account. Certain requirements must also be met during the process of disbursing funds. If the granting organization determines that the company is not operating properly, it can withdraw the money. This happened in 2015 with residents of the village of Kholmogory Oleg and Anna Feneva, who received a grant of 1.8 million rubles for the development of peasant farming. They did not fulfill one of the conditions - lack of official employment. For this, money began to be withdrawn from entrepreneurs through the courts.

How to act. The state is mainly responsible for holding competitions. It also determines the priority directions for business development. In 2018, we developed more than 250 projects in 80 areas of activity. Within this framework, budding businessmen are provided with assistance.

A prerequisite for such programs is paying part of the expenses at your own expense. You need to contribute from 30 to 70% of the total cost of the project.

For convenience, use the business navigator service, it will help you find all available support measures and view purchase options ready-made business or franchise, and also use analytical data to choose the type of activity in your city.

Business navigator in St. Petersburg

Example of a competition from private company– Lipton GoodStarter The competition supports aspiring entrepreneurs who work in social sphere. The winner is determined by the number of likes - whoever has the most will receive funding. Thanks to the competition, you can receive about 300,000 rubles; both new projects and existing organizations can participate.

Lipton competition

Method 6. Take advantage of government support

Who is most suitable for? The state allocates funds only to entrepreneurs operating in certain industries. They finance businessmen working in the field of:

• innovation;
• social orientation;
• tourism;
• agro-industry.

In addition, support is provided to aspiring entrepreneurs who organize small and medium-sized businesses.

The regional government allocates subsidies for the development of priority industries and holds competitions for grants for young businessmen and women entrepreneurs.

Advantages. The main advantage of public investment is that there is no need to return the funds received. The state benefits not from making a profit, but from developing a lagging industry at the expense of new enterprises.

Galina Khvostova, sales growth expert:

Please note that subsidies are money that the government gives you and you do not need to pay it back. It’s not that you don’t have to pay interest, but that you don’t have to pay anything back at all. That is, you took them, spent them on your business, and reported them as expected. That's it - you are free.

Risks. The entrepreneur who received the subsidy is assigned certain responsibilities. For example, it must report usage Money

How to act.

and use them exclusively for their intended purpose. The funds themselves must be used for the purposes specified upon receipt. Otherwise, the entrepreneur risks not only losing his reputation, but also facing administrative or even criminal liability.

Check that your line of business is included in government support programs (see table below).

Denis Smirnov, head of the online aggregator of stock forecasts Raddar: Russian state in last years

not only makes loud statements, but also really helps aspiring businessmen in starting their own business - large, national assistance programs are prescribed in priority areas until 2025.

Program	Government business support programs	Who can receive
What kind of help will they provide?	"Start"	Businessmen operating in the field of IT technologies
The state invests 2.5 million rubles, the entrepreneur must find an investor who will additionally invest the same amount in the business	"Smart ass"	Entrepreneurs under 30 years of age. Those working in the innovative technology industry have an advantage
500 thousand rubles	"Development"	Businessmen who plan to expand their enterprise and create additional jobs
Up to 15 million rubles	"Cooperation"	Up to 20 million
"Internationalization"	Companies that plan to develop projects in cooperation with foreign companies	Up to 15 million

There are also regional programs. For example, they subsidize entrepreneurs who open a business in a certain field of activity, for example, “Small Business Don”.

But if you still managed to fit into the framework of the projects, you can receive funds that you won’t even have to repay in the future.

Bonus

Is it possible to open a business without money?

Initial investments will be required in any case. But there is also good news: their size may be so insignificant that it will be possible to allocate the required amount from your own funds. If there is no money at all, but the desire to do business is enormous, a way out can be found.

Anastasia Yakusheva, owner of the “Lady’s Showroom” showroom chain:

“The lack of money will have to be compensated with your time, your belief in the project, your creativity, your willingness to work around the clock, constantly learn and be receptive to new ideas and trends. Be prepared for the fact that at the start with a zero budget you will attract friends and acquaintances. For example, they can test how relevant and in demand your products or services are. Check if they are ready to buy them? If yes, move on to the next stage - create demand and collect pre-orders even before you have the product in your hands or the service is ready for sale, before you have invested in it. No budget - rely on word of mouth and networking than more people they know and talk about you, the more they help you, the sooner you will get your first sales.”