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 micro and smaii businesses 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.

Microloans of up to 5 million rubles are provided to entrepreneurs on a refundable and reimbursable basis for a period of 6 to 36 months (in high-alert mode in the Crimea for up to 24 months).

 

Fund provides microloans for 19 programmes:

 

 

Program

Note

% rate

 

Self-employed

from RUB 50.000 to 500.000, is provided to a person who isn't an individual entrepreneur and applies a special tax regime "Tax on professional activity"

5

 

 

Business Emergency

up to RUB 500 thousand for entrepreneurs affected by an emergency

1 – 3,37

 

 

Trust

up to RUB 500 thousand for entrepreneurs, including those with a positive credit history in the Fund

6,75

 

 

Reliable partner

SMBE used the services of the Fund 2 or more times, has a clean credit history in the Fund and shows high growth rates. Loan security - surety

3,37 – 13,5

 

 

Social

SMSB carries out activities in the field of social entrepreneurship

1– 3,37

 

 

Resort

SMBE carries out activities in the fields of tourism, ecology or sports

5,75 – 7,25

 

 

Turnover

up to RUB 500 thousand for replenishment/purchase of working capital

6,75

 

 

Franchise

buying a franchise

3,37 – 13,5

 

 

Refinancing

refinancing of the Applicant's debt in other financial institutions

3,37 – 13,5

 

 

Investor

the purchased equipment, vehicle and/or equipment acts as a pledge

3,37 – 13,5

 

 

Other SMSBs

-

8,75 – 13,5

 

 

Priority

SMBE implements priority projects

6,75 – 7,25

 

 

Business-lady

SMBE is created by a woman

6,75 – 7,25

 

 

Farmer

SMBE carries out activities in the field of agriculture

6,75 – 7,25

 

 

Young entrepreneur

individual entrepreneurs whose age on the day of filing (registration) of the application for a microloan does not exceed 35 years

6,75 – 7,25

 

 

Artisan

SMBE carries out activities in the field of manufacturing

6,75 – 7,25

 

 

Monotown

SMBE carries out goods and/or provides services within the territory of Armyansk and Krasnoperekopsk cities

6,75 – 7,25

 

 

Monotown priority

SMBE is registered and carries out its activities on the territory of a single-industry town when implementing priority

3,37 – 6,75

 

Business IT

SMBE, organizations of infrastructure for supporting small and medium-sized businesses, self-employed who carry out activities in the field of IT technologies

1 – 5

 

Rules for granting microloans by micro-credit company "Microfinance Entrepreneurship Fund of the Republic of Crimea"

Rules (as amended dated 13.08.2021) (PDF, 720 Kb)

Rules for the provision of micro-loans "SELF-EMPLOYED"

Rules (as amended dated 16.08.2021) (PDF, 305 Kb)

Rules for the provision of micro-loans "TURNOVER"

Rules (as amended dated 25.12.2020) (PDF, 1.79 Mb)

Rules for the provision of micro-loans "TRUST"

Rules (as amended dated 16.08.2021) (PDF, 300 Kb)

Rules for the provision of micro-loans "BUSINESS IT"

Rules (as amended dated 16.08.2021) (PDF, 346 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) 211-6-000 — department for providing microloans,
+7 (978) 211-5-000 — department for providing microloans.
Location:

The guarantee is provided by the Joint Stock Company «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 the financial and economic activities of the recipient of support allow you to fulfill the obligations under the contract secured by the Guarantee Fund;
  • as of any date during the period equal to 30 calendar days preceding the date of conclusion of the guarantee agreement, there is no overdue debt on taxes, fees and other mandatory payments to the budgets of the budget system of the Russian Federation exceeding 50 thousand rubles. This information can be confirmed by the financial institution;
  • on the date of application for the provision of a guarantee, the recipient of support has no arrears to employees (staff) on wages for more than three months;
  • the recipient of the support is not subject to insolvency (bankruptcy) procedures, including supervision, financial recovery, external management, bankruptcy proceedings, cancellation or suspension of the license (if the activity is subject to licensing);
  • providing security for the main contract (excluding collateral) to the extent not secured by a Guarantee Fund that meets the requirements of financial organizations. The amount of security for the recipient of support under the main contract, taking into account the Guarantee of the Fund, should not be less than 100 %.

 

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

  • being credit organizations, insurance organizations (except for consumer cooperatives), investment funds, non-governmental pension funds, professional participants in the securities market, pawn shops;
  • parties to production sharing agreements;
  • carrying out business activities in the field of gambling;
  • 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;
  • in the process of liquidation, reorganization, as well as in the case of application of insolvency (bankruptcy) procedures, including supervision, financial recovery, external management, bankruptcy proceedings, or cancellation and suspension of the license (if the activity is subject to licensing);
  • failed to submit documents or submitted false information and documents;
  • those who do not meet the conditions for providing support;
  • 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

from 0.5% per annum of the guarantee amount

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

 

The procedure for the provision of sureties by the Fund and the fulfillment of obligations under suretyship agreements

Procedure (May 2021) (PDF, 225.82 Kb)

Fund guarantee products catalog

Catalog (June 2021) (PDF, 305.68 Kb)

 

Contact information

General 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»

«Formation of the company's brand and the Manager's personal brand»

financial planning

 

 

«Fundamentals of business planning»

«Taxation – General and special regimes, transition and application features»

marketing support and business planning

 

 

«1C Accounting»

«Scheduled and unscheduled inspections by regulatory authorities»

legal support of activities

 

 

«Working with electronic platforms»

«Tax and accounting reporting. Tax news and prospects»

information and legal support of activities

 

 

«Legal adviser of the company. Legal support and claim work»

«Crisis management»

personnel selection

 

 

«Internet entrepreneurship»

«Project management», «Goal management», «Time management»

application of labor legislation of the Russian Federation

 

 

 

«Financial management»

 

 

Contact information

Director: Vladislav Valeryevich Hanzhara
Address: 1st floor, 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:

JSC «Regional Leasing Company of the Republic of Crimea» (hereinafter - RLK RC) has been established within the framework of the national project "Small and medium-sized entrepreneurship and support for individual entrepreneurial initiative" in order to provide support to Crimean entrepreneurs in the field of financial leasing (leasing).

The main goal of the company is to provide opportunities for small and medium-sized businesses located on the territory of the Republic of Crimea and Sevastopol, preferential conditions for the acquisition of fixed assets using the leasing mechanism.

Presentation (PDF, 2.76 Mb)

The founder of the RLC RC is the Republic of Crimea. The Ministry of Economic Development of the Republic of Crimea performs the rights of the founder on behalf of the Republic of Crimea. RLK RC provides preferential leasing programs for the purchase of various equipment, transport, heavy and special equipment, small recreational and fishing vessels, promotes the development of small and medium-sized businesses in the Crimea.

 

Advantages of leasing financing:
  • it does not require additional software,
  • lease payments are attributed to expenses,
  • accelerated depreciation of the leased item with a coefficient of up to 3,
  • saving of working capital,
  • VAT offset from lease payments.

 

To date, RLK offers 8 leasing products:
  • «Equipment leasing»,
  • «Leasing of medical equipment»,
  • «Leasing of motor transport»,
  • «Leasing of heavy and special equipmen»,
  • «Bus leasing»,
  • «Leasing of small fishing vessels»,
  • «Leasing of agricultural machinery and equipment»,
  • «Leasing of vehicles for the development of tourist transportation and recreation».

 

 

CREDIT

LEASING

 

 

 

Only a certain percentage on the loan can be included in the costs: no more than the refinancing rate of the Bank of Russia, increased by 1.8 times, in foreign currency in an amount equal to the product of the refinancing rate of the Bank of Russia and the coefficient of 0.8% (Article 269 of the Tax Code of the Russian Federation).

The lease payment is fully included in the costs of the lessee (article 28 Law No.164-FZ, subpt 10, paragraph 1, article 264 of the Tax Code of the Russian Federation).

 

 

 

Fixed assets acquired at the expense of a loan are amortized in a general manner in accordance with the depreciation groups established by the Tax Code of the Russian Federation. When the fixed asset is placed on the company's balance sheet, property tax (real estate) is charged.

The leased item is amortized using a special coefficient not exceeding 3. With the exception of 1-3 depreciation groups (article 259 of the Tax Code of the Russian Federation), which allows you to amortize the property faster.

 

 

 

VAT is accepted for offset only from the value of the Purchase and Sale Agreement.

When paying lease payments, VAT is allocated and accepted by the lessee for offset.

 

 

 

The need to provide security in the form of a pledge of the borrower's property, etc.

When concluding a leasing transaction on standard terms, additional collateral is not required.

 

 

 

The attraction of borrowed capital changes the ratio of equity and borrowed capital in the company's balance sheet.

The balance sheet of the organization maintains an optimal ratio of own and borrowed capital.

 

 

General terms of leasing:

Amount of financing

from RUB 1 million to RUB 120 million

Interest rates

6 % per annum for Russian equipment and vehicles;

 

8 % per annum for foreign equipment and vehicles.

Advance payment

from 10% or more

Lease term

up to 60 months

Payment schedule

uniform (annuity)/decreasing/seasonal

Balance sheet holder

Lessee/Lessor (as agreed)

Insurance

carried out by the Lessor (insurance costs are included in lease payments)/The lessee

 

The main parameters of financing

 

 

Financing conditions

EXPRESS

STANDARD

 

 

 

Minimum amount of financing

from RUB 0.5 million

from RUB 1 million

 

 

 

Maximum amount of financing

RUB 9 million
(The cost of the leased item is up to RUB 3 million)

RUB 120 million

 

 

 

Advance

from 20 %

from 10 %

 

 

 

Lease term

up to 3 years

up to 5 years

 

 

 

Term of doing business

from 1 year

from 1 year

 

 

 

Decision-making period

up to 12 days

up to 25 days

 

 

Contact information

General director: Yana Valeryevna Gamaley
Address: 13 A, Turetskaya str., Simferopol, 295000, Republic of Crimea
E-mail: info@rlkrk.ru
Site: rlkrk.ru
Telephone: +7 (978) 908-16-91, +7 (978) 908-15-85
Location:

The Autonomous Nonprofit Organization "Southern Regional Export Support Center" (hereinafter – the Center) provides comprehensive financial and non-financial support to export-oriented enterprises of the Republic of Crimea.

The main purpose of the Center's activities is to provide services aimed at creating an effective system of support for exporters in the territory of the Republic of Crimea of the Russian Federation.

Presentation (PDF, 351.18 Kb)
The main tasks of the Center:
  • ensuring access of enterprises to all types of state financial and non-financial support in the field of export activities;
  • search for foreign partners;
  • consulting on foreign economic trade issues;
  • interaction with the republican and federal authorities.

 

The Center's services include:
  • export advice;
  • export training;
  • translation of presentation materials;
  • creating a website in a foreign language;
  • formation of a commercial offer;
  • organization of participation in exhibition and fair events;
  • placement on electronic trading platforms;
  • marketing research;
  • certification and standardization;
  • search for a foreign partner.

 

Financial products of the Center provided to entrepreneurs of the Republic of Crimea

 

 

 

VAT REFUND GUARANTEE

The guarantee is provided on behalf of the Exporter (Principal) in favor of the Federal Tax Service. It ensures the return by the Principal of the amount of VAT claimed for reimbursement and received from the budget in advance, if the decision to resent the amount of VAT in the application procedure based on the results of a desk tax audit is canceled by the Federal Tax Service totally or in part.

 

 

 

FACTORING

Servicing accounts receivable arising from export shipments of goods and closing the risk of non-payment from foreign buyers.

 

 

 

EXPORT CONTRACT INSURANCE

This is a financial protection measure for companies that ship products on the international sales market with deferred payment. The insurance product itself guarantees compensation to the seller for part of the cost of its goods, which the recipient cannot pay on time.

 

Advantages of export activity for business:
  • the emergence of additional sales markets;
  • increased profit: possible cost savings due to increased production scale, leading to higher profits;
  • dynamic business development: the sale of goods and services not only in the domestic market, but also to other countries will help your business to develop faster and adapt to the changing market requirements;
  • dynamic business development: the sale of goods and services not only in the domestic market, but also to other countries will help your business to develop faster and adapt to the changing market requirements;
  • reducing the company's dependence on the domestic market: the sale of goods for export diversifies risks, such as the impact of domestic economic conditions or seasonal factors;
  • innovation development: familiarity with new ideas, technologies and processes can contribute to the development of certain innovative products and services;
  • global competitiveness: trading on the global market will introduce you to the best international business practices, creative ideas and alternative ways of doing business.

 

Contact information

Acting Director: Ksenia Yakovlevna Slutskaya
Address: office 46, 3rd floor, 8 h., Sevastopolskaya str., Simferopol, 295024, Republic of Crimea
E-mail: exportrk2018@gmail.com
Site: https://exporteram.com/
Phone: +7 (978) 797-87-97.
Location:

The Nonprofit Organization "Crimean Regional Industrial Development Fund" (hereinafter referred to as the Fund, NO "CRIDF"). It offers preferential conditions for co-financing projects aimed at developing new high-technology products, import substitution, export, introduction of the best available technologies to legal entities, as well as organizations implementing projects for the creation and development of industrial and technological infrastructure on the territory of the Republic of Crimea that meet the requirements established by the standards of the Fund.

Presentation (PDF, 14.13 Mb)
NO "CRIDF" provides loans under regional programs:
  • "Modernization" - for a period of 60 months, the base rate of 5% (the first 36 months - quarterly payment of preferential interest in the amount of 3% per annum with deferred repayment of the principal debt, repayment of the loan body from the 37th month + interest quarterly);
  • "Replenishment of working capital to overcome the negative consequences caused by the spread of the new coronavirus infection COVID-19" - for a period of 24 months, the base rate is 5% (the first 12 months - quarterly payment of preferential interest in the amount of 3% per annum with deferred repayment of the principal debt, repayment of the loan body from the 13th month + interest quarterly).

 

Joint loans with IDF are provided under the following programs:

"Development projects"

Loan amount: RUB 10-100 million; total project budget: from RUB 40 million.
Loan term: ≤ 5 years.
The interest rate is 3%, the base rate is 1%, in the first 3 years with a bank guarantee, as well as guarantees of VEB RF, SME Corporation or RGO 1% when buying Russian equipment for at least 50% of the loan amount.
Target sales volume of new products: at least 50% of the loan amount per year, starting from the 2nd year of serial production.
Applications for registration of the Results of Intellectual Activity (RIA) during the implementation of the project ≥1.
Co-financing by the applicant, private investors or banks: ≥ 50% of the project budget, including at the expense of own funds or the funds of the shareholder ≥15% of the loan amount.


"Complementary parts"

Loan amount: RUB 20-100 million; total project budget: from RUB 25 million.
Loan term: ≤ 5 years.
The interest rate is 1% for the first three years of using the loan, 3% for the remaining term.
Target sales volume of new products: at least 30% of the loan amount per year, starting from the 2nd year of serial production.
Applications for registration of the Results of Intellectual Activity (RIA) during the implementation of the project ≥ 1.
Co-financing by the applicant, private investors or banks ≥ 20% of the project budget, including at the expense of own funds or the funds of the shareholder ≥ 0% of the loan amount.


"Improving labor productivity"

The loan amount is RUB 10-100 million, the total project budget is from RUB 25 million.
The loan term is less than 5 years, the interest rate is 1% per annum.

 

Financing conditions:
  • The applicant must be a participant of the regional labor productivity improvement program
  • Get a certificate of the ANO "Federal Center of Competencies in the field of labor productivity", on the presence of the company's key elements of the production system and a sufficient level of use of internal resources to increase productivity

or

  • Get a protocol for creating a production flow-sample based on the results of working with the FCC or RCC
  • The target indicator of labor productivity growth should correspond to the target indicators established for the enterprise by the Agreement on Participation in the National Project for the corresponding year (provides for an increase of at least 10%, 15% and 30% by the base year based on the results of years 1-3, then an increase of at least 5% by the previous year)

 

Contact information

Director: Oleg Igorevich Drobyshev
Address: office 810 ("FABRIKA" Business Center), 41, Kievskaya str., Simferopol, 295017, Republic of Crimea
E-mail: info@frpk.org
Сайт: frpk.org
Тел.: + 7 (978) 910-07-77.
Location:

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)

Enterprises that are registered as taxpayers and carry out economic activities in the territory of the Republic of Crimea have the right to receive financial support.

Subsidies are provided for financial support to reimburse part of the costs of developing the activities of a legal entity, including the renewal of fixed assets and replenishment of working capital (except for loans received for the purchase of passenger vehicles and leasing agreements for the purchase of passenger vehicles).

Financial support to Enterprises is provided by requesting proposal for reimbursement from the budget of the Republic of Crimea of part of the costs associated with the payment of interest on loans in the amount of 6% per annum, as well as payments under financial rent (lease) agreements in the amount of 10% of the advance or first lease payment.

The participant of the selection on the 1st day of the month preceding the month in which the selection is planned must meet the following requirements:

1. Not to have tax and fees arrears, as well as arrears of other mandatory payments to the budgets of the budgetary system of the Russian Federation in an amount exceeding RUB 5000.

2. Not to have salary arrears.

3. Not to have overdue debts for the return of subsidies, budget investment and other debts to the budget of the Republic of Crimea.

4. Not to be in the process of reorganization (except for reorganization in the form of joining another legal entity to the selection participant), liquidation, bankruptcy procedure has not been introduced against it, the activities of the selection participant have not been suspended.

5. Not to receive funds from the budget of the Republic of Crimea in accordance with other regulatory legal acts, municipal legal acts for the same purposes for which this subsidy is provided.

6. Not to have overdue (unsettled) debt on monetary obligations to the Republic of Crimea, from the budget of which a subsidy is provided.

7. Not to have information in the register of disqualified persons about disqualified managers, members of the collegial executive body, the person performing the functions of the individual executive body, or the chief accountant.

8. Not to have overdue debt for servicing a loan agreement/financial rent agreement (leasing).

9. Not to be a foreign legal entity.

The subsidy is not provided to:
  • Legal entities whose main and actual activities are the production and sale of excisable goods, as well as the extraction and sale of minerals, except for common minerals.
  • Legal entities that provide financial rent (leasing) services.
  • Loan agreements received at a preferential rate.

 

The number of enterprises and the amount of allocated financial support

 

 

2015 year

9 enterprises in the amount of

RUB 22,4 million

 

 

2016 year

18 enterprises in the amount of

RUB 83,0 million

 

 

2017 year

22 enterprises in the amount of

RUB 64,7 million

 

 

2018 year

29 enterprises in the amount of

RUB 114,6 million

 

 

2019 year

31 enterprises in the amount of

RUB 139,3 million

 

 

2020 year

30 enterprises in the amount of

RUB 94,75 million

 

 

81.1 million rubles are planned for 2021 year

 

 

Results of providing subsidies

 

 

Increase in the average number of employees in the year of receipt of the subsidy by at least one unit compared to the previous year

An increase in the amount of revenue from the sale of goods (works, services) by at least 2% or an increase in the average monthly salary of employees by at least 4% in the year of receipt of the subsidy compared to the previous year

 

 

 
 

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