How to open a sole proprietorship and get start-up capital. Where to get start-up capital. Under what conditions can you get a loan

Reading 8 min. Published on 12/16/2019

Opening own business requires start-up capital. But what to do if this moment the required amount of funds is not available? This is not a reason to give up the prospect of creating your own business. Moreover, there are many ways to find money to open a small company.

Most businessmen who start their business from scratch use bank loans as a source of funds to open a company. However, this source of funds is not as easy to use as it might seem at first glance.

Firstly , Russian banks put forward fairly stringent requirements for borrowers, including:

Having a resident status.
Preparation of a detailed business plan.
Perfect credit history.
No criminal record, including legally canceled.

Secondly , interest rates on bank loans are quite high and amount to about 15-20% per year.

Given the high risks of financing a new firm, many banks oblige their borrowers to provide them with collateral or surety.

At the same time, it is fashionable to get a bank loan in just a few days, and in the amount that is necessary to create your own business.

If such an opportunity exists, then this option is extremely beneficial, because:

Interest rates will be minimal or non-existent.
Friends will not require an extensive package of papers, collateral or surety.
It will be possible to repay the debt in a single payment at the end of the term.

Nevertheless, it is important to take into account some of the negative aspects of attracting a deputy through your friends:

Delay in paying a debt can cause a serious disagreement.
If friends suddenly urgently need funds, they will have to be returned, which can adversely affect the functioning of the business.

Important point: You can save yourself from negative moments by issuing a simple receipt for the amount of funds, indicating the terms of their use. This document is further certified by a notary.

A rather difficult path, which only a few choose for themselves. This is due to the fact that hoarding always involves the withdrawal of part of the current income in the piggy bank and austerity.

What you need to do to save money for your business:

Firstly to determine exactly how much start-up capital is needed.
Secondly , determine what part of current income can be set aside.
And finally , calculate the period during which the required amount will be collected.

Many citizens at home have gold jewelry, coins and even ingots. When opening your own business, you can always sell them to a pawnshop, at specialized auctions or to private individuals.

Important point: In the second half of 2016, it was possible to sell 1 gram of gold in Russian pawnshops for 350-2000 rubles (depending on the sample). That is why such a transaction can become a source of funds to cover part of the costs of starting a business.

An apartment is an extremely valuable property. Selling your own apartment in order to open a company is an extremely risky undertaking. is quite real. With such an impressive collateral, even banks will provide a loan to a novice entrepreneur at a favorable rate and in a large amount.

At the same time, one should not forget that at any time a mortgaged apartment can be taken away for debts.

Find investors

This method is recognized as an effective source of obtaining funds for opening a company, even experienced entrepreneurs.

The essence of the method is as follows:

Aspiring businessman generates an idea for a future business.
On its basis, a business plan is drawn up with a reasoned and convincing justification.
who may be interested in it and invest in it.

Important point: Large investors will never agree to finance hackneyed and dubious ideas. They are mainly interested in innovative and promising startups with a detailed study of income and costs, as well as ways to protect against risks.

Initially, most of the profits will go to investors. However, gradually an entrepreneur can buy out the part of the business he needs and earn a lot of money on it.

Apply for a government subsidy

This option can be considered as the best way to form start-up capital. The fact is that the state is interested in the fact that unemployed citizens of the Russian Federation find work or realize themselves in entrepreneurial activity.

That is why the Russian budget annually provides funds to subsidize new companies.

Main advantage state subsidy – no need to return funds; and its disadvantage is a small amount of funds (usually up to 300,000 rubles).

To receive government funding, you may need to:

Representation in government bodies a package of documents (entrepreneur's passport, TIN, etc.).
Development of a business plan indicating the terms of its payback and financial viability.

Important point: The state most often provides subsidies to those entrepreneurs who offer significant for the economy or social life individual regions projects.

Get an inheritance

Many novice businessmen dream of receiving an inheritance from a rich uncle. However, this method of enrichment may seem fabulous only at first glance.

In practice, the newly minted heir may face some difficulties:

Firstly , registration of an inheritance is a long and complicated procedure that requires the involvement of professional lawyers.
Secondly When accepting an inheritance, a person takes on not only the property, but also the debts of the deceased relative.

With all this, this method of enrichment cannot be written off.

Important point: Before accepting someone's inheritance, you should make sure that the testator does not have serious debts.

Ask your parents

One of the easiest ways to get initial capital to open a company.

However, from a moral point of view - attracting parents' savings does not look so attractive: they already had to invest a lot in their child. Nevertheless, if there are no other options, it is worth using this method, but subject to the full return of the borrowed funds.

Sell home appliances

If the issue of creating your own company is an edge, then it makes sense to consider the possibility of selling home appliances. You can start with those devices that are used less often.

How can you sell equipment? You can place ads on thematic forums and sell it to individuals, hand it over to consignment stores or pawn shops.

Find treasure

Luck does not leave resourceful entrepreneurs who believe in the success of their business. Perhaps some of them will be lucky enough to find, if not a treasure chest, then a rare old coin or other artifact.

Important point: If the treasure is found on a site owned by a person, then 100% of the value of the treasure is reimbursed to him, in any other places - only 50%. It is better to transfer the treasure to the state in a legal way, and not try to sell it on the “black” market, since criminal liability for a novice entrepreneur is completely useless.

This method does not imply the possibility of turning a novice entrepreneur into an experienced trader. Here we are talking about which he has. In Russian practice, there are cases when grandparents left the shares they received during privatization as a legacy to their grandchildren.

Important point: You can sell shares on the stock market or offer to buy them out to the joint-stock company itself.

Work on the Internet

Earnings on the Internet has long become a source additional income hundreds of people all over the world. If the basic salary provides the current life of a person. Then the funds earned on the Internet will be able to accumulate and accumulate in order to form start-up capital.

Write texts, create and promote websites, draw banners, maintain your own blog, act as an intermediary for large trading floors etc.

Get a second job

Similar to the previous option, which assumes that the funds from the second job will become a source of savings for the business.

Important point: In this case, you will have to look for a place with hourly pay and flexible schedule or consider the possibility of employment as a part-time job.

Rent an apartment/car

Having additional living space in the form of an apartment or a car, you can rent them out for a while. Put all proceeds into a bank account until the amount necessary to open a business is reached.

Important point: When renting such expensive property, it is extremely important to draw up and sign an agreement with the tenant and certify it in a notary's office in order to avoid unpleasant incidents.

Take advantage of partners' money

In the end, you can start a business not alone, but find serious and wealthy partners. In this case, you can offer your idea, take care of all registration formalities, organizational issues, while partners will provide funding for the project.

Important point: In order to avoid disagreements in the future, it makes sense to immediately conclude an agreement with partners that will contain information on the exact distribution of shares in the business between the participants.

Thus, the lack of start-up capital cannot be a reason for refusing to create own company. After all, there are at least sixteen very real ways to obtain funds to open a company.

Business development and expansion requires regular investment. The question of the need for financial investments sooner or later arises both for start-up entrepreneurs and successful businessmen. In such a financial situation, the question arises: “Where can I get a loan for an individual entrepreneur?”.

And in this article, how banks are presented, where you can take an individual entrepreneur loan without guarantors or collateral. To collect everything for you Better conditions banks in one place, we analyzed quite a few loan offers that provide a loan for individual entrepreneurs in 2020.

Ways to get a personal loan

Bank lending is an effective and efficient solution financial problems, a profitable tool for the development of small and medium-sized businesses, the ability to respond in a timely manner to emerging negative circumstances. Credit for individual entrepreneurs available to take on the purposeful development of business, replenishment working capital, for the purchase of new equipment, building up the production base. Almost every credit institution has offers for loans, even for individual entrepreneurs with zero reporting (declaration).

Private entrepreneurs confirm solvency based on accounting documents, where income from FCD is indicated; with the help of declarations; income and expense journals; other accounting reports. In order to obtain a loan for an individual entrepreneur from scratch, it is necessary to draw up a promising business plan. It should reflect specific indicators for future periods, taking into account the specifics of doing business in Russia, the real level of demand for specific services or goods.

When considering an application for a loan for entrepreneurs, it is important for the bank to understand for what purposes the loan money will be directed, and from what funds it is planned to repay the debt. The loan manager of the bank will answer the question of how exactly to get an individual entrepreneur loan under the chosen program.

What loans can an individual entrepreneur take

For small and medium-sized businesses, banks offer loans in the following areas:

Express - loans: designed for businessmen with limited time. A minimum package of documents is provided. The decision to approve the loan and its issuance are made within an hour. The interest rate for such programs is much higher, the loan term is shorter.
Consumer loan for individual entrepreneurs. This type of individual entrepreneur loan can be taken by an individual. For a large amount, a wider package of documents is required. If you need a large amount, you should be prepared to provide collateral for a loan in the form of real estate, vehicles not older than 3 years, or capable and solvent guarantors.
Target programs, including state: include small business loans. This is a type of business financing. legal entities when the Assistance Fund can act as a guarantor. Issued only for specific purposes. Aimed at entrepreneurs involved in promising business and already registered for more than three months.
A number of banks provide IP cash loan, revolving/non-revolving credit lines and overdrafts.

TOP-6 profitable banks for an individual entrepreneur loan

Ratings of banks offering the most favorable loan products for individual entrepreneurs are formed from an assessment of general conditions, a list of required documents, interest rates, loan duration, and possible cooperation with beginner individual entrepreneurs.

It is beneficial for individual entrepreneurs to take a loan from the bank in which the current account is opened. For regular customers loans are offered on favorable terms. Before opening an IP account, it is recommended to monitor banks not only regarding favorable tariffs, cash management services, but also in terms of lending. The specialists of our blog have already analyzed and compiled rating of the best banks for individual entrepreneurs .

In 2020, the Housing Finance Bank, OTP Bank, Renaissance Credit and Sovcombank have the best loan offers. We offer you to get acquainted with the conditions of lending programs for individual entrepreneurs, as well as with specialized loan programs for individual entrepreneurs.

The best bank that gives a loan to an individual entrepreneur without collateral and guarantors

OTP is one of the best banks that give consumer loans to individual entrepreneurs without collateral and a guarantor. The undeniable advantage of this credit organization is the ability to apply online from the official website and receive a final decision in 15 minutes. OTP Bank offers a profitable cash loan, both for individuals and for individual entrepreneurs.

Loan conditions for people running their own business

The loan amount is from 15 thousand to 4 million rubles.
The loan is issued for a period of 12 to 120 months.
Interest rate - from 10.5% per annum.
Providing security in the form of a guarantor or collateral is not required.

From the documents it is necessary to submit only a passport of a citizen of the Russian Federation, a certificate of USRIP, TIN. The bank is ready to cooperate with start-up businessmen.

Cash loan for individual entrepreneurs from scratch on the day of treatment

Renaissance Credit is one of the few banks that provides consumer loans to individuals involved in the development of their business. We list the main advantages and possibilities of a cash loan for individual entrepreneurs in this bank:

Credit limit - from 30 to 700 thousand rubles;
The interest rate varies from 10.9%;
Validity of the loan agreement: from 24 to 60 months;
To apply for a loan, it is enough to present a passport of a citizen of the Russian Federation and a second document of your choice;
Security is not required, but confirmation of the right to property will guarantee a reduced interest rate.

The application is sent from the bank's website. Upon approval, you must visit the office and submit a minimum package of documents. For private entrepreneurs, it is enough to bring a certificate of state registration IP. A balance sheet is not required. Also, as your solvency, you can provide a title for a car or documents for an apartment. (There will be no deposit!). Offers from Renaissance Credit Bank can be used by businessmen who open an IP business from scratch. The optimal rate and loyal conditions will allow you to quickly get the right amount on the day of treatment without unnecessary paperwork.

Sovcombank - a cash loan at a low interest rate

Sovcombank offers consumer loans to all categories of citizens, including individual entrepreneurs.

The limit is 1 million rubles for any purpose.
Base interest rate from 12% per annum;
The application can be sent via the Internet, the loan is issued at the bank office.
The loan is issued for up to 60 months.
Consideration of the application from one hour to three days.

Individual entrepreneurs have the opportunity to obtain a loan in a larger amount by providing real estate as collateral or vehicle. There is a program "For Responsible Plus". No documentation is required from private entrepreneurs. Therefore, a consumer loan at Sovcombank is suitable for individual entrepreneurs with zero reporting.

Attention! The Bank approves loans to new customers only for persons over 35 years of age. If you have less, then leave a request better in another bank.

Credit "Trust" for business development from Sberbank

A loan for individual entrepreneurs is offered by the main creditor of the country - Sberbank. The "Trust" program will help resolve current financial difficulties and implement plans for the future.

Terms of a business loan from Sberbank

Loan type - without collateral and for any needs.
The loan is available to individual entrepreneurs whose annual income does not exceed 60 million rubles.
When applying for a loan secured by a guarantee, a reduced interest rate applies.
The base rate is 16.5% per annum.
The maximum loan term is 36 months.
Credit limit - up to 3 million rubles.

Sberbank requires such documents for an individual entrepreneur loan as a citizen's passport - individual, military ID if available, EGRIP certificate, certificate from the Federal Tax Service Inspectorate on registration of a private entrepreneur, the last version financial reporting with the seal of the tax authority, tax receipts. Licenses, activity permits, lease agreements (sublease) or certificates of ownership of non-residential premises may be required.

A bank giving a loan for an individual entrepreneur secured by an apartment from BZHF

Very often, entrepreneurs need a large amount of money to develop their business, to increase turnover or for other purposes that are related to business development. A large loan without collateral is very difficult to take, even if you collect certificates. And then most the best option becomes a loan for business IP secured by an apartment.

The Housing Finance Bank is by far the most popular bank among individual entrepreneurs that lends against real estate. The issuance of the necessary amount of money to businessmen occurs without bureaucracy, unnecessary certificates and in the most short time. Due to the fact that the apartment is a pledge, the bank evaluates your credit history and your business more loyally. This gives a real opportunity to take a loan for individual entrepreneurs without refusal.

Under what conditions can you get a loan

The loan term is up to 20 years, and the rate is from 11%.
Amount up to 8 million rubles (but not more than 70% of market value apartments).
If the apartment is owned by a spouse, then it can be indicated in the loan agreement as a pledger.
Early repayment at any time without penalties and moratoriums.
The apartment must be located in the cities where the bank operates: Krasnodar, Moscow, Nizhny Novgorod Region, Novosibirsk, Omsk, Perm, St. Petersburg, Yekaterinburg, Kazan, Volgograd.

Business loan secured by real estate

In the past few years, P2B crowdlending projects have been actively developing all over the world, when individual investors lend to borrowers without the participation of credit institutions. In Russia, too, today there are such companies that offer loans to small and medium-sized businesses on simpler and more understandable terms.

One of these companies is the investment and business financing agency "Money to Business", which lends to individual entrepreneurs secured by real estate and without providing management, accounting and other financial statements.

The loan offer is inherently unique and cannot be compared with any other bank. If an entrepreneur urgently needs money, we recommend paying attention to this company.

Brief terms of the IP loan:

The minimum amount is from 500 thousand rubles for a period of 2 years with the possibility of extension.
Funds are issued strictly for targeted financing of your business.
As collateral, it is possible to provide commercial or residential real estate, as well as third-party real estate.

Thus, answering the question of where to get a loan for an individual entrepreneur and how to get it is not so difficult. If the conditions of a specialized small business loan are difficult to meet, it is possible to take out a standard consumer loan in an amount acceptable to start a business. I hope that the review of the conditions of banks issuing loans to individual entrepreneurs was useful for you and you will find financing for your business from the proposed list.

Today, for entrepreneurs who decide to start a small business, there are several affordable and quite acceptable options for finding start-up capital:

subsidies from the state;
venture financing;
lending;
crowdfunding.

Let's consider each of the options separately.

State subsidies

Today there are government programs that provide start-up capital for a small business. For example, for financial assistance to open an individual entrepreneur, you can contact the employment center.

What is required to receive start-up capital from the labor exchange? You need to be registered as unemployed for at least a month.

In addition, you need to seek advice from a labor exchange specialist who will provide a list required documents. You will also need to prepare detailed business plan. The advantage of this method of obtaining money to open a small business is that funds from the state are issued free of charge. However, in return, you will have to provide full reporting on all expenses for starting your own business.

Another way is to receive a subsidy from the Department of Science, Industrial Policy and Enterprise. Those entrepreneurs who already have a developed project, but due to lack of funds, it is not developing, can count on start-up capital. Businessmen are offered to go through a certain competition, according to the results of which the winner will receive a subsidy in the form of a monetary reward. The advantage of this method is that even if you do not win the competition, you can still show yourself to investors and make the right connections.

As a rule, assistance from the state is provided free of charge.

Search for investors

One of the available ways to get start-up capital for development is to attract venture investors.

What is the essence of this method of financing? An entrepreneur can count on receiving start-up capital in a situation where a venture investor considers his project successful and promising. At the same time, a businessman who gives money to a small business receives the following rights:

make a profit within 3-5 years;
control the affairs of the organization in which he invested money;
take part in management matters.

After the entrepreneur who issued the start-up funds receives the planned income, he can resell his share to another investor or owner of the company.

In order to attract a venture investor, you need to seek help from special investment funds, government agencies or large firms.

A significant advantage of obtaining start-up capital in this way is that you can take a large amount of money for development. However, in doing so, you will have to give away part of your own firm in exchange for financial assistance. This is the only downside.

Another way to attract investors in order to obtain start-up capital for starting a business is to search on your own. To do this, you will need to attend exhibitions and presentations of relevant business topics. This method is less effective than venture capital investment, since the chance of being noticed at exhibitions is much lower.

Lending

Today, any entrepreneur can take money from the bank for the development of small business. However, it is quite difficult to get capital in this way. First, banks are reluctant to lend to start-up entrepreneurs. For the most part, loans are issued to businessmen who need funds to develop an existing business.

Secondly, the interest rate is quite high.

You can also take out a consumer loan, but the average rate in this case will be, on average, at least 26% per annum.

A significant disadvantage of obtaining such capital is that if your business ceases to be profitable and “burns out”, the funds taken for your own business will still have to be returned to the bank.

Crowdfunding

Not so long ago, another one appeared in our country effective method to take money to open a business is crowdfunding (from English - crowd financing).

To receive starting funds in this way, you will need to register on one of the following sites:

planeta.ru,
boomstarter.com,
crowdsourcing.ru.

Next, you need to create file and video documents with detailed information about your business idea. The presentation should be interesting and informative at the same time. Do not forget to indicate the necessary capital for the development of your business. The more engaging your video is, the more people you can attract as investors.

Along with fundraising, you can promote your project in in social networks using SMM.

Don't forget the reward. If you, for example, open your own confectionery, you can make sweet presents to investors. If you are developing your own application for mobile phones, the reward could be free access to it.

Today, not all people are satisfied with work for hire - a small income that cannot be independently regulated. To get the maximum profit, many decide to open their own business. It can be controlled, actively involved in any transformations, developed and expanded. But for any business, even a small one, initial capital is required. For those who do not have enough funds to create an enterprise, the state is ready to provide financial and organizational assistance.

What kind of government assistance can small businesses count on?

In Russia, a program has been adopted, according to which everyone who decides to become an entrepreneur has a chance to receive a financial state. help small businesses, and completely free of charge. Size monetary compensation has certain limits that differ in different regions. Many people have the right to receive such a subsidy, but due to objective circumstances and subjective reasons, not everyone can enlist such support. In addition to financial assistance, the funds for which come from the state budget, start-up entrepreneurs are offered property assistance. This means the readiness of the state to lease certain property to representatives of small businesses at low rates or even free of charge: real estate, technical equipment, land use objects, etc.

Limitations of the State Assistance Program

Not every entrepreneur can count on assistance in the development of small businesses from the state. For example, if a person has been registered as an entrepreneur for more than one year, he is no longer eligible for this program. The sphere of activity of small business is of great importance, because specially created commissions necessarily consider each application and not everyone is answered positively. It is also mandatory that the entrepreneur has his own money necessary to open a business. The state will be able to compensate from 40 to 60% of the costs, and often this amount does not exceed 300,000 rubles, the rest will have to be paid from your wallet. Of course, these are to buy equipment and create a competitive enterprise, but it is unprofitable for the state to fully sponsor businessmen. This is only partial assistance from the state to small business, which gives him the opportunity to control the system of small business.

Articles for receiving subsidies under state programs

The Small Business Assistance Program in Russia includes several articles that require subsidies:

opening an enterprise;
opening a business;
rental of premises;
purchase of equipment and computer equipment;
obtaining a license;
training of specialists;
participation in promotions and exhibitions.

Advice on these issues can be obtained from employment centers and specialized centers. The regional administration must provide residents with the addresses of these branches.

How to get financial support

If you have already thought about starting your own business, but do not have the necessary amount of money, then you can get help from the state for small businesses. First you need to draw up a business plan and submit it to the employment center for consideration. The amount of the subsidy issued by this organization is 58,800 rubles. (4900 rubles - monthly multiplied by 12 months). The procedure for considering a business plan and allocating money can take up to 6 months.

What is needed to receive start-up capital from the state

First, that is, to have the status of unemployed. To do this, you will need the following documents:

the passport,
employment history,
documents on education, certificates and diplomas,
pension insurance certificate,
a completed form-certificate of the average salary for 3 months at the last place of work.

Note that the following are not unemployed:

citizens under the age of 16;
women on maternity leave;
full-time students;
pensioners by age;
citizens working for employment contract or registered as an LLC or individual entrepreneur;
invalids of non-working groups.

Next, in the employment center, you need to write an application for a subsidy from the state for the development of small businesses. Think in detail and draw up a detailed business plan containing many calculations, graphs and tables. Having received approval, you should register as a legal entity (organize an LLC or an individual entrepreneur). The tax office will give you a list of documents, copies of which you need to provide. After that, the agreed cash that can be rented and purchased necessary equipment specified in the business plan.

A very important point: you will need to provide a financial report to the employment center, which should reflect all the costs of equipment, wages employees, contributions to the tax and Pension Fund. If you have received financial assistance for small businesses from the state, you need to be responsible for every penny spent from this amount.

Other government assistance options

Possible assistance from the state to small businesses is not only the issuance of money for the creation of an enterprise, it can be the repayment of interest on an already taken loan or the issuance of a new loan by a bank with a reduced interest rate. Today, many banks issue loans to entrepreneurs, and they, in turn, prefer to apply to the bank. Indeed, in this case, they do not have to report where they spent the received finances, it is enough just to pay a certain amount on time.

The state also organizes so-called business incubators, where you can get qualified assistance both in drawing up a business plan and in training employees in new skills for organizing and running their own business. In addition, in these centers it is possible to rent premises inexpensively and place all their employees there, so they can always turn to experienced professionals for help.

Each of us has the opportunity to receive assistance and support from the state to create and develop our own business, it remains only to decide on the direction of activity.

As a fan of searching the Internet for various ideas for private business, I came to one simple conclusion. Without own funds indispensable in any field of activity, even in mediation. Therefore, I wrote this article on where to get start-up capital and one more ()

This begs an elementary question: where to get the notorious initial capital, if it is not there?

This question is especially of concern, perhaps, to people full of brilliant ideas and grandiose plans, summarized by the now fashionable word “startup”. And among them, I single out for myself the following main categories:

- final-year students who have heard about the "startup" movement from teachers and classmates. They often even go to special meetings and are full of all sorts of original ideas (it's just a pity that few of them come to life);

- programmers can be singled out as a separate link among students, and even more experienced specialists. As a rule, they are either looking for partners to implement a project, or they want to join an existing project and help in its promotion;

— mid-level managers inspired by stories of fast start-ups and get-rich-quick;

- corporate start-ups, organized in a kind of entrepreneurial corporations. This is a fashionable and actively developing direction.

There are still plenty of “subspecies” of startups, but, leaving the theory behind, let’s move on to practice, i.e. to the issue of investment.

Relatives or friends

The easiest way is to borrow money from relatives, friends or just solvent acquaintances (the latter, however, may be interested in receiving a percentage of future profits).

The latter are gradually merging into the category of professional startup investors. It seems to be an excellent, and most importantly, fashionable idea - to finance startups. The only pity is that there are very few people with a professional approach to this issue, and amateurs, as a rule, do not set clear rules and are not too loyal to the failures of their “wards”.

Such investors can be conditionally divided into two categories - good and evil "angels". Everything seems to be clear with the good ones: the desire to invest in any project is based primarily on sports interest and real desire help in the undertaking, and already in the second - the profit received in the future.

"Evil" "angel investors" immediately clearly dot the "and". And in the end, under the pretext of minimizing their risks and additional motivation, a startup may be required to receive 50% of the amount in return and 25% as a pledge + clear deadlines for the implementation of the business plan. As a result of such "draconian" conditions, one can simply lose an established and promoted business, because profits from it will go in a completely different direction.

Subsidies

The next source of investment that I would like to mention, unfortunately, is now available in reality only to residents of the capital and large metropolitan areas. These are subsidies issued by the Department of Science, Industrial Policy and Entrepreneurship. According to rumors, it is difficult to get a subsidy there, but it is quite realistic, because. the scheme is very transparent and devoid of corruption moments.

If a product or project has already been developed and lives its own life, but for some reason does not sell very successfully, then participation in the competition is a great way to make yourself known, such a kind of test-checking your capabilities and an additional way to "light up" in front of investors.

The result of the competition for its winner in some cases can be not only funding, but also support in the form of the necessary contacts, office space, etc. Such assistance, as a rule, is provided by an accelerator fund, which is a kind of mixture of a competitive basis and a venture fund.

Funds

Continuing the conversation about the latter, it is worth recognizing that this is a very fashionable trend now, and therefore it is very actively growing. You can divide them into funds that give the so-called. seed (the aforementioned accelerator funds) and late funding.

Funds that provide late funding typically expect stable and dynamic sales from a startup, and therefore there are many more of them than seed funds.

In today's market, we can distinguish the following most large funds: Glavstart, AdVenture, InCubeAccelarator, TexDrive, Farminers. I repeat once again: a venture fund in itself is now an excellent way to earn money, which, of course, requires certain knowledge and developments.

Business incubators

Of course, it is worth mentioning strategic investors, who, of course, finance already fairly well-promoted projects that can hardly be called startups.

Investment options include business incubators. Of course, a well-known venture specialist from the USA, Nabar Afeyan, once called incubators a place for weak children (startups are meant), the strong ones must survive on their own. This statement, in my opinion, is quite far from the truth. A business incubator can be an excellent runway for businesses of any level.

Its essence lies in the fact that a novice entrepreneur on very favorable terms, or even free of charge, is provided with such services as office rental, accounting, consulting, etc.

In addition, an important “plus” of the incubator is the presence of “similars” nearby, which results in the exchange of ideas and data, the solution of common problems, and simply the spirit of healthy competition.

Summing up everything that has been said above, I cannot ignore such a subtle point as the ability to talk with investors. And it's not as easy as it seems at first glance. An improperly constructed process of attracting investments can greatly delay the result or even backfire.

It’s great if there is a person in the team who knows how to build communication with the investor in the right direction. If this is not available, then it makes sense to resort to the services of an investment broker. For all positive points, the price of their services is pleasantly surprising, because. fluctuates in the range of 3-5% of the amount attracted to the business.

And what opportunities for obtaining start-up capital can you add?

It might be useful to read: