Financial support

Micro-credit company «Fund for microfinance of entrepreneurship of the Republic of Crimea» (MCC «FMERC») provides microloans to individual entrepreneurs and legal entities that meet the criteria of a small and medium-sized enterprise (SMSE) and they are registered on the territory of the Republic of Crimea.

At the same time, the purpose of using a microloan should be the creation and development of your own business, replenishment of working capital, purchase of equipment and other areas related to the implementation of business activities.

The advantages of financing business with the use of microloans are a low interest rate, no hidden fees (only a one-time commission of 0.5 – 1.5 % of the amount of the microloan is paid), prompt decision-making on the provision of a microloan and a minimum set of documents.

Microloans are granted for a period of 12 to 36 months.

 

The Fund provides the following types of microloans

 

The type of a microloan

Interest rate if collateral security is available

Amount, RUB

Target use

Features

 

«Monocity priority»

3,0 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE is registered in the territories of Armyansk and Krasnoperekopsk, when implementing priority projects

 

«Priority»

5,5 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE is registered and operates in the territories of advanced socio-economic development of the Russian Federation, the special economic zone of the Russian Federation or it is a resident of an industrial park or carries out export activities or it is a subject of social entrepreneurship or it is an APC, etc.

 

«Business-lady»

5,9 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE created by a woman

 

«Agriculturist»

5,75 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE operating in the field of agriculture

 

«Young entrepreneur»

6,0 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE, whose age on the day of submission (registration) of the application for a microloan should not exceed 30 years

 

«Monocity»

5,6 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE is registered in the territories of Armyansk and Krasnoperekopsk

 

«Handicraftsman»

5,95 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

SMSE operating in the field of manufacturing

 

«Turnover»

6,0 % per annum

150 thousand – 500 thousand

Working capital replenishment

Collateral is the guarantee of one and/ or several individuals and/ or sole proprietors and/ or legal entities

 

Refinancing

3 – 6,25 % per annum

150 thousand – 5 million

Repayment of principal debt on credits/ loans / leases in other financial organizations

Collateral can be the collateral for refinanced credits/ loans/ leasing

 

Investor

3 – 6,25 % per annum

150 thousand – 5 million

Acquisition of fixed assets

Collateral are acquired the principal assets

 

Microloan for other SMSE

6,25 % per annum

150 thousand – 5 million

Working capital replenishment/ purchase of fixed assets

 

 
 

Rules for granting microloans by the micro-credit company «Fund for microfinance of enterprise of the Republic of Crimea»

Rules (as amended from 20.02.2020) (PDF, 644.00 Kb)

Rules for granting microloans by the micro-credit company «Fund for microfinance of enterprise of the Republic of Crimea» program «COOPERATIV»

Rules (as amended from 20.02.2020) (PDF, 556.00 Kb)
 
Contact information

Fund Director: Valentina Mihailovna Alenina
Address: 1, 5th floor, Kirov Ave., Simferopol, 295000, Republic of Crimea
E-mail: fond.mikrofinansRK@mail.ru, fond@mikrofinrk.ru
Site: www.mikrofinrk.ru
Telephone: +7 (3652) 772-277,
+7 (978) 999-07-77 — department for microloan support,
+7 (978) 211-60-00 — department for providing microloans,
+7 (978) 211-50-00 — department for providing microloans.
Location:

The guarantee is provided by the state unitary enterprise of the Republic of Crimea «Crimea Guarantee Fund» (hereinafter referred to as the Fund) to small and medium-sized business and (or) support infrastructure organizations established (registered) on the territory of the Russian Federation in accordance with current legislation, operating in the territory of the Republic of Crimea (registered in the Republic of Crimea), meeting the following conditions:

  • the results of financial and economic activities of the recipient of support allow to fulfill the obligations under the agreement secured by the guarantee of the Fund;
  • the recipient of support does not have on the date of submission of the application for the provision of the Fund's guarantee, overdue debts for accrued taxes and fees, corresponding penalties and fines;
  • the recipient of support is not subject to reorganization, insolvency (bankruptcy) procedures, including supervision, financial recovery, external management, bankruptcy proceedings or sanctions in the form of cancellation or suspension of the license (if the activity is subject to licensing), the recipient of support is not in the process of liquidation;
  • providing security under the main agreement (except for the guarantee) in the part not secured by the guarantee of the Fund that meets the requirements of the financial organization. The amount of collateral for the support recipient's bligation under the main agreement, taking into account the Fund's guarantee, must be at least 100%.
 

Support may not be provided for small and medium-sized business and (or) support infrastructure organizations:

  1. being credit organizations, insurance organizations (except for consumer cooperatives), investment funds, non-governmental pension funds, professional participants in the securities market, pawn shops;
  2. parties to production sharing agreements;
  3. carrying out business activities in the field of gambling;
  4. being non-residents of the Russian Federation in accordance with the procedure established by the legislation of the Russian Federation on currency regulation and currency control, except for cases stipulated by international agreements of the Russian Federation;
  5. engaged in the production and (or) sale of excisable goods, as well as the extraction and (or) sale of minerals, with the exception of common minerals;
  6. failed to submit documents or submitted false information and documents;
  7. those who do not meet the conditions for providing support;
  8. recognized as having violated the procedure and conditions for providing support, including failing to ensure the intended use of support funds, if less than three years have passed since the date of recognition.
 
Scheme of the Fund operation
Requirements for the received credit and a bank guarantee

 

Criterion

Bank credit

Bank guarantee

 

Term of the secured obligation

from 6 months

up to 2 years

 

Amount of the secured obligation

from 500 000 rubles or more

without limitations

 

Surety amount

up to 70% of the credit amount

up to 70% of the guarantee amount - for small and medium businesses operating in the high-priority economic sectors;
up to 50% of the guarantee amount - for other support recipients

 

Guarantee fee

1% per annum of the surety amount - for small and medium businesses operating in the high-priority economic sectors

0.5% per annum of the surety amount - for small and medium businesses operating in the high-priority economic sectors

 

 

1.25% per annum of the surety amount - for other support recipients

1% per annum of the surety amount - for other support recipients

 

Fee payment procedure

One-time payment
In the event the Fund surety is provided for more than 1 year, payment by installments is possible (paid period - a year or a remaining period of the surety validity)

One-time payment

 

Surety commencement date

Surety validity period starts from the moment of its issue (a surety agreement conclusion) subject to the fee payment

 

Requirements for financial (bank) organization

Financial organization having passed a qualification process and concluded a cooperation agreement with the Fund

 

Procedure for granting sureties and performance bonds for surety agreements by State Unitary Enterprise of the Republic of Crimea «Crimean Guarantee Fund»

Procedure (as amended from 22.11.2019) (PDF, 161 Kb)

 

 

Catalog of guarantee products of State Unitary Enterprise RC «Crimea Guarantee Fund»

Appendix № 1 to the Procedure (PDF, 69 Kb)

 

Contact information

Fund Director: Sabina Shamilovna Lulina
Address: 13 A, Turetskaya str., Simferopol, 295000, Republic of Crimea
E-mail: garant-fond@mail.ru
Site: garant-fond-rk.ru
Telephone: +7 (978) 915-62-91, +7 (978) 900-27-37.
Location:

Educational and consulting services
The house of entrepreneurs: support and development of small and medium-sized business

 

Educational courses

Seminars and trainings

Consulting support on the following issues

 

  • «Fundamentals of business activity»;
  • «Fundamentals of business planning»;
  • «1C Accounting»;
  • «Working with electronic platforms»;
  • «Legal adviser of the company. Legal support and claim work»;
  • «Internet entrepreneurship».

 

 

  • «Formation of the company's brand and the Manager's personal brand»;
  • «Taxation – General and special regimes, transition and application features»;
  • «Scheduled and unscheduled inspections by regulatory authorities»;
  • «Tax and accounting reporting. Tax news and prospects»;
  • «Crisis management»;
  • «Project management», «Goal management», «Time management»;
  • «Financial management».

 

 

  • financial planning;
  • marketing support and business planning;
  • legal support of activities;
  • information and legal support of activities;
  • personnel selection;
  • application of labor legislation of the Russian Federation.

 

Contact information

Fund director: Dmitry Gadnanovich Zelensky
Address: 20 A, Sevastopol str., The house of entrepreneurs, Simferopol, Republic of Crimea, 295011;
E-mail: fond@frbk.ru
Site: www.frbk.ru
Telephone: +7 (978) 075-88-32
«Hoteline»: 8 (800) 500-38-59
Location:

«Regional leasing company of the Republic of Crimea» JSC was created as part of the national project «Small and medium-sized business and support for individual business initiatives» in order to support Crimean entrepreneurs in the field of financial leasing.

The founder of the RLC is the Republic of Crimea, and the Ministry of economic development of the Republic of Crimea exercises the rights of the founder on behalf of the Republic of Crimea.

Leasing items can be new (unused and/or not commissioned) equipment and new (unused) vehicles, special equipment.

At present, RLC offers 8 leasing products:

  • «Leasing of equipment»,
  • «Leasing of medical equipment»,
  • «Leasing of motor transport»,
  • «Leasing of heavy and special equipment»,
  • «Leasing of buses»,
  • «Leasing of small-fishing vessels»,
  • «Leasing of agricultural machinery and equipment»,
  • «Leasing of vehicles for the development of tourist transport and recreation».

The amount of financing under the lease agreement – from 1 million rubles to 120 million rubles.

Advance payment – from 10%, lease term – up to 60 months.

The leasing recipient is a small and medium-sized business entity (209-FL) and it carries out one or more types of economic activity in priority sectors: agriculture, manufacturing, construction, transport, recreation and tourism, healthcare.

Since May 2020 «Regional leasing company of the Republic of Crimea» JSC starts accepting applications for leasing at preferential rates of 6% and 8% per annum (an increase in price per year from 3 to 4%).

 

Contact information

General director: Yana Valeryevna Gamaley
Address:13 A, Turetskaya str., Simferopol, 295000, Republic of Crimea
E-mail: aorlkrk@mail.ru

Telephone: +7 (978) 908-16-91; +7 (978) 908-15-85
Location:

The state Council of the Republic of Crimea, in compliance with Federal law №. 379-FL of 29.11.2014, in order to support small and medium-sized business, adopted regional laws that set reduced rates for special tax regimes.

For the periods 2017-2021, the rates for special tax regimes are set at:

  • for tax paid when applying the simplified tax system:
    1. up to 4%, if the object of taxation is income;
    2. 10 percent, if the object of taxation is income reduced by the amount of expenses;
  • for the tax paid when applying the patent tax system – up to 4% for all categories of taxpayers;
  • for the unified agricultural tax – up to 4%.
 

About establishment of the tax rate paid when applying the simplified tax system in the territory of the Republic of Crimea

Law of the Republic of Crimea December 29, 2014 №59-LRC/2014 (PDF, 383.0 Kb)
 

About establishment of the rate of the unified agricultural tax in the territory of the Republic of Crimea

Law of the Republic of Crimea December 29, 2014 №60-LRC/2014 (PDF, 376.0 Kb)
 

About establishment of the tax rate paid when applying the patent system of taxation in the territory of the Republic of Crimea

Law of the Republic of Crimea December 29, 2014 №62-LRC/2014 (PDF, 381.0 Kb)
 
 

© Investment Portal of the Republic of Crimea