The current situation on the market does little to promote the development of small and medium-sized businesses. There is a lot of talk from the high rostrum about his support, but in reality it turns out that opening a business in Russia is a rather troublesome and costly process. What does an aspiring entrepreneur need to start a business?
Instructions
Step 1
Make a business plan for your future venture. Before starting the drafting, conduct a marketing analysis of the opportunities for opening your business. Describe in detail all the advantages of your business, make a competent estimate of the costs of opening it. Whenever possible, involve professionals and experts in the plan to improve your chances of getting a loan later.
Step 2
Register an individual entrepreneur or LLC with a local tax office.
Step 3
To register an individual entrepreneur, you need the following documents and / or their certified copies:
- an application for the issuance of a registration certificate;
- passport and TIN;
- marriage certificate;
- information about the bank account (if necessary).
Based on the certificate, your company will be assigned OKVED codes. Register the company seal in MCI.
Step 4
If you want to register an LLC, you will need to submit the following documents confirming your right to register:
- application;
- constituent documents of the enterprise (charter, agreement on foundation, information about officials);
- copies of passports, TIN and income declarations of officials and copies of documents certifying their qualifications;
- information about the bank account.
Get your registration certificate. Get OKPO codes and register the seal at MRP.
Step 5
In order for the bank to give you a loan for starting a business, submit the following documents:
- application;
- certified copies of all documents (passport, TIN, certificate of registration of an individual entrepreneur or LLC, extracts from the USRIP / USRLE);
- business plan of the enterprise.
Step 6
In full compliance with the terms of the loan, provide the bank with certificates and guarantees to secure the loan. This can be a 2-NDFL certificate (if you work), an apartment or a car, a guarantee of an individual. The guarantor will need to provide a certificate of income or a certificate of ownership of any property. But when pledging real estate, you should remember that you will have to pay interest not only on a business loan, but also pay for the use of the pledged property.
Step 7
If you already have a profitable business, then this will make it easier for you to get a loan.
Step 8
If the bank reasonably refused to issue you a loan, contact your local Center for the Development of Entrepreneurship or private investors, providing them with all the necessary documents. But get ready for the fact that interest rates in this case will be higher than in the bank.
