Where can I get money to start a business? Where to get money for a business from scratch: the most affordable ways Where to get money to start a business

Where to get money for a business is the first question asked by people who are “on fire” with an idea. There are many answers to this. The problem of absence can be solved Money on your own, but if you don’t want to wait, just contact a bank or find a private investor. You can read more about various methods of obtaining money to start a business in this article.

Savings

Own savings are one of the longest methods of accumulating the necessary amount to open your own business. To implement it, you need a salary such that every month you can save at least 10% of the amount received and at the same time live comfortably. But in order to speed up the flow of money into the piggy bank, you can partially sacrifice comfort. Here is a plan that will help you collect the required amount as quickly as possible:

1. Find a part-time job

To continue to live comfortably, not spend money from your earnings and at the same time save a certain amount, it is enough to find a part-time job you like. Savings received from other activities should be immediately put aside or stored in bank card.

2. Learn to save your budget

Before you save the required amount to open your business, you need to prepare yourself psychologically, then draw up a monthly plan for income and expenses and leave only those purchases that are necessary on your shopping list. Cross out everything else and stop spending money on small things. You can save:

• On payment for services mobile communications, housing and communal services, internet, . Deposit money into your account without commission, choose unlimited call and SMS tariffs, switch to an Internet package with a lower data transfer speed, etc.;
• While shopping for groceries. Try not to visit supermarkets and megamarkets. Everything there is done to ensure that a person spends as much money as possible, and half of the purchases, upon careful analysis, turn out to be unnecessary. Make a list of goods before going to the store and strictly follow the “instructions”. Visit grocery stores and make bulk purchases of products;
• On buying clothes. Buy things for winter in summer, and for summer in winter. This way you will save from 40% to 60% of the cost of the product. Visit sales where new clothes are presented at good discounts. It’s better to wait until the season passes and buy yourself things for all occasions at a lower cost;
• On transport services. During the period of accumulating the required amount, you can refuse the convenience of traveling by car (if you have one), and travel by bus, metro, tram, trolleybus. On the other hand, it is better to get a job with a taxi company by car, creating a good source of additional income, and if you are going to, you will also learn how competitors build their business;
• On vacation and entertainment. There is no need to completely give up the joys of life in order not to get tired of boredom. But an extra trip to a cafe or restaurant can be replaced by relaxing with friends at home.

Always take into account the fact that additional expenses may arise and set aside an amount of 5-7% percent of your salary.

Special programs, for example, “Home Accounting,” will help you control expenses. Over the course of a month, write down all your expenses in the cells, then conduct an analysis and give up unnecessary spending in favor of your dream.

Here are some more tips:

1. Keep your money in foreign currency in order not to spend (if the situation on world markets is stable);
2. Keep your money in 5,000 ruble banknotes. I want to spend thousand and five hundred ruble banknotes more often.

Bank loan

Bank loan – quick way get money to start your own business. Financial institutions are ready to offer several lending programs from which you can choose the best one. The leaders in providing loans to small businesses are Sberbank, VTB, Alfa Bank, Bank Trust and some others. They issue funds both secured by real estate or a car, and without collateral.

It is important: Experts do not advise taking out a loan for the development of entrepreneurial activity for those who are just starting their journey and have not thoroughly studied all the mechanisms for progressing and maintaining a business afloat. Incorrect management of funds threatens to turn into a “debt hole” from which it will be problematic to get out and then the question “Where will I get the money from?” will become even more relevant.

Successful loan approval is possible if:

1. The borrower provides a detailed business plan that will “work”;
2. A certificate of income has been provided;
3. The aspiring businessman has no loans and has a positive credit history;
4. The loan amount is equal to the value of the real estate or car pledged as collateral.

Bank specialists also take into account your monthly income, expenses, marital status, presence of children and many other factors.

Most banks help develop a business in the early stages. Sberbank has a “Business Start” program, in which aspiring entrepreneurs are provided with all kinds of support and are provided with a course “The Basics of Entrepreneurship” to study. The loan terms are as follows:

1. A loan of up to seven million rubles to start a business;
2. Loan term – up to 5 years;
3. The opportunity to open your own business using a business plan created by one of the bank’s partners or using the system;
4. Advisory support at the stage of starting your business.

To get a loan from Sberbank, you need to do the following:

• Contact the branch and select the “Business Start” product;
• Carefully study the course “The Basics of Entrepreneurship”;
• Obtain approval of the business plan;
• Register your activities with the relevant authorities (open an individual entrepreneur or LLC);
• Familiarize yourself with the package of necessary documents, prepare them and submit them to the bank branch;
• Deposit the amount into the bank account down payment in the amount of at least 40% of the total cost of the loan.

If you are denied a loan, do not be upset; contact the entrepreneurship development center or credit cooperative. Such organizations support start-up businessmen by providing them with funds for favorable conditions, providing information and analytical materials, consultations from leading experts of the country and regions.

Advantages of contacting such organizations:

1. Minimum terms for reviewing loan applications;
2. Minimum package of documents;
3. Loan repayment on the borrower's terms;
4. No commission fees;
5. Insurance of savings, high interest rates on them.

Attracting a private investor

You can take money to start a business from a private investor. To do this, you need to write down the addresses of large companies in your city, find out the owners of the companies, find their phone number, call and offer your ideas. Usually these are managers of small and medium-sized businesses who have more than one enterprise. It is important for such people that money works for them, so if your proposal seems profitable to them, they will easily take up its implementation. Advantages of cooperation with private investors:

1. Possibility of receiving funds without collateral or guarantors;
2. Increased chances of success because the investor has the opportunity to deeply study your proposal. You are required to have a thoroughly thought-out and working business plan, for the preparation of which you can use the services of specialists;
3. Opportunity to receive practical advice from an experienced businessman.

Having agreed on an investment, discuss with the investor the method of partnership. You can pay a certain percentage of your income, or he will have a share in your business. The second option is not the best, as it directly affects the freedom of your actions.

Loan from friends or relatives

You can borrow money to develop a small business from your relatives or friends. It all depends on what kind of relationship you are in with them. Your parents, siblings or cousins ​​can lend you the required amount without charging you interest, which is very convenient. The main thing you must do is calculate all the risks. If for some reason the start of the business fails, you will be forced to return everything and this is a mandatory condition. Otherwise, relationships with people will be ruined.

So that friends, acquaintances or relatives do not worry about the safety of their money, it is better to formalize the transaction legally. Take care in advance about how to properly present the idea of ​​your business so that no one has any doubts about the need to invest. Promise to return the money in a larger amount or give a gift if everything goes well.

Where can you get money when you don't have it? (video)

How to take money from the state for business?

You can take money for a business from scratch from the state using the program to support beginning entrepreneurs. To do this, you need to contact your employment center. settlement. A prerequisite for applying is that you must have unemployed status. If you haven’t worked at all yet, you need to get a job, get a certain amount of experience and quit. According to current legislation, the following categories of citizens cannot be recognized as unemployed:

1. Full-time students;
2. Citizens under sixteen years of age;
3. Pensioners;
4. Disabled people from non-working groups;
5. LLC founders or “active” entrepreneurs;
6. Persons who were imprisoned for crimes committed or were engaged in correctional labor.

People who plan to engage in real estate transactions cannot take money to start a business. financial activities, production of alcoholic beverages and cigarettes, rental of equipment, rental of household products.

You can receive the required amount from the employment center by providing the following documents:

1. Diploma;
2. Passport;
3. Insurance certificate;
4. Work record book;
5. Certificate of income from previous place of work.

When you arrive at the employment center, go to the appropriate office, informing the specialist of your intention to participate in the small business support program. You will be given a form to fill out, as well as a form where you need to display your business plan. After visiting the central bank, go to a Sberbank branch and open a current account. Funds will be transferred to it in the future.

Preparation of a business plan with its subsequent defense

To get money to open a business, you need to submit a business plan to the Central Planning Office, filling out all the fields of the form. You will be invited to an office where you will need to make a presentation to members of the commission, carefully explaining and justifying every word and decision. Sample questions that may be asked are “Which tax system do you plan to choose”? or “How do you want to stand out from your competitors?” and so on.

If the business plan is approved

If a positive decision is made on your idea, all that remains is to register your activity (open an individual entrepreneur or LLC). This can be done either independently or using the services of companies specializing in this. Upon completion of all actions, do not forget to take to the employment center received in the federal tax service documents and after a few days they will transfer you funds, the amount of which must be clarified in advance.

Three months after the start of your business activity, you will have to return to the employment center once again to report on the expenditure of borrowed funds. All expenses must be documented: attach statements, sales receipts and other documents.

If you want to borrow money for a business from the state free of charge, you must carry out business activities for at least 12 months, taking into account the fact that they can come to you with an inspection at any time.

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 simply don’t know how many different ways can be given when answering 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 provide start-up capital to an aspiring entrepreneur, who in turn gives them a stake 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 it may happen that at first glance they will not be able to discern a good idea. In general, the old “knock and they will open” principle applies here.

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

A good method that 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 you need significant amount– 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 apartment or expensive household 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 property and live in 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 risky play 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 wages, when you can safely put it into a savings account at a bank or invest in shares of a large company so as not to lose your money.

In addition, when starting a business, when the business has not yet reached its full potential, it is 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 establishments, you can get the required amount with a number of additional reservations that cannot be found in 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.

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 judicial procedure(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.

Banking credit 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: this is not the best source of funding for a new entrepreneur.

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 a shortened version for them with the most important aspects of the activity.

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 increase working capital, acquire licenses to operate, and purchase equipment for 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 according to key rate, valid 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 agreement 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 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 the rapid development of 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 happened at an 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 document will help resolve controversial situations that 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 a 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 a great business idea 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 willing 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 for the implementation of your own project; taking out a loan from banks is unprofitable and risks ending up in 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.

Get borrowed funds 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 have a detailed business plan, a project presentation that will reflect the essence of the future enterprise, and an expense 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 areas of activity is helping active people who want to create their own production in finding 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 an alternative way to attract 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 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

An example of a competition from a private company is Lipton GoodStarter. The competition supports aspiring entrepreneurs who work in the 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, he must report on the use of funds 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.

How to act.

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:

In recent years, the Russian state has not only made loud statements, but also really helped aspiring businessmen in starting their own business - large, national assistance programs are prescribed in priority areas until 2025.

Government business support programs

Program	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"	Small and medium-sized enterprises that are ready to modernize and join large industrial production	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 good news: their size can be so insignificant that it will be possible to allocate the required amount from 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. There is no budget - rely on word of mouth and networking, the more people know and talk about you, the more they help you, the sooner you will get your first sales.”

Good day! One of the very first questions that an entrepreneur has to solve is related to money. More precisely, as a rule, with their absence.

In fact, this is a very common occurrence: there is a business idea, a desire, aspiration, perhaps even a business plan has been written, but there is just no money to implement it.

Where to find start-up capital

Let's look at the options for where to find money for your business:

1. Save up on your own if you;
2. Sell ​​movable or immovable property;
3. Borrow from friends;
4. Find an investor;

Accumulate starting capital

Perhaps this is the best option, the only and most important disadvantage of this method... TIME. It will take a long period of time to save the required amount, especially if you work for a salary, this can take from 3 to 5 years.

I have my own method on how to save money for your business within 1 year. In any case, this is exactly how I launched my business. If anyone is interested in this technique, you can write to me in my group on the social network VK “ Business secrets for a beginner ”.

Selling an apartment or car

This is the second most important option, if you have a normal car or apartment, then you can get a fairly large amount of money almost immediately and already implement your business.

Here you only risk your property, and even if things don’t go as you expected, you won’t owe anyone anything and your conscience will be clear.

Borrow money for business from friends

To be honest, this is not the best idea, but if there is no other option, then you can use it. Unless, of course, you have friends with significant savings, which will be enough to start their own business.

But if suddenly something goes wrong and you lose money, then most likely you will ruin your relationships with your friends and, in addition to money, you will also lose friends. As is clear, you will have to give the money back in any case, but in the eyes of a person your reputation will already be ruined.

Find an investor

If you don’t have your own money, but have a great business idea, then you can try to find an investor for your project. Here you will have to share your business; as a rule, the investor will receive 50% of your business.

Finding an investor is one of the safest ways to start a business. The only problem is that finding an investor is quite difficult.

An investor will not invest money if you are just planning to open a toy store or a canteen. You must have a business idea that a future investor will like.

You must also draw up a clear idea of ​​yours, where all the details of the upcoming enterprise will be spelled out with real numbers and income. no one will participate in a low-profit project.

Investors are usually approached by people who want to set up some kind of production. It is almost impossible to attract investors into trade or services.

Get a business loan from a bank

Taking out a loan for your business project from a bank is very risky, since you will immediately be burdened with a financial burden that you will have to bear from the very beginning of the business.

Statistics especially for beginners - about 90% of all business ventures related to a bank loan fail. And in the end you just won’t be able to pull it out financial burden and you will be left without a business and with an outstanding loan.

You can believe my experience, I know a lot of entrepreneurs who started a business with credit money and burned out.

The procedure for state registration of an individual entrepreneur or LLC has now become even simpler; if you have not yet registered your business, prepare documents for registration completely free of charge without leaving your home through the one I have verified online service: Registration of an individual entrepreneur or LLC for free in 15 minutes. All documents comply with the current legislation of the Russian Federation.

Currently, many entrepreneurs use this Internet accounting to conduct business, calculate taxes, contributions and submit reports online, try it for free. The service helped me save on accountant services and saved me from going to the tax office. I also managed to get a gift promotional code for subscribers of my site, by which you can get 3 months of the service for free in order to truly appreciate it. To do this, simply enter the promotional code 74436115 on the gift activation page.

That's probably all! We ask questions in the comments or in my VKONTAKTE group (the link to it is at the beginning of the article).

Good luck in your endeavors! Bye!