Micro-enterprises can benefit from a line of concessional financial programmes, including the umbrella sponsorship mechanism, micro loans, sponsorship of regional guarantee organizations, programme 1764.

Microbusiness includes enterprises whose average number of employees in the previous year does not exceed 15 and the income limit for the same period is 120 million roubles. The participation of public and charitable organizations is not more than 25 per cent, and foreign (non-microbusiness) is not more than 49 per cent of statutory capital.

" When considering the line of concessional financial programmes, micro-enterprises tend to seek umbrella sponsorship: in 2024 more than 16,000 micro-enterprises used the tool, 85 per cent of total programme recipients. In second place, microfinance support. This year, 9,000 microenterprises, or 89 per cent of the total number of programme recipients, benefited. Support is also being provided to regional guarantee organizations: almost 5,000 microbusiness companies benefited from the programme, accounting for 73 per cent of the total number of recipients. The micro-enterprises are less likely to seek credit under programme 1764, although the percentage of the total number of recipients is also high - 68 per cent, or 6,000 enterprises - explains the Deputy Minister of Economic Development, Tatiana Ilumshnikov.

According to the Deputy Minister, the portfolio of projects supported through umbrella sponsorship has already exceeded the portfolio of projects supported through interest subsidies. The lack of collateral is a significant limiter for bank loans, including for micro-enterprises. The sponsorship or sponsorship of regional guarantee organizations removes this limitation.

The popularity of microfinance support can be explained by the fact that microbusinesses do not need large amounts -- the 5 million roubles they can get under the programme -- can be sufficient.

" The most important benefit to enterprises is that they attract credit at higher rates than banks. Serving a contract is cheaper. On the one hand, companies have attracted money, on the other, saved on costs, " explains Tatiana Ilyushnikov.

It is possible to obtain micro loans on concessional terms by applying to a public microfinance organization, which is most commonly based in the structure of my business centres. Support is sought, including through the SME platform. RF. Over 3,000 micro-enterprises took advantage of this opportunity in 2024.

Source: www.economy.gov.ru
Source: freepik.com

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In the Yaroslav region, various assistance is provided to entrepreneurs through the Mala and Middle Entrepreneurship Project, as well as to industrial enterprises under the " Productivity " project and the " International Cooperation and Export " national project.

All support measures for small and medium-sized businesses can be accessed on my business site.

Details of all support measures for industry and investors on the investing site