Three lending programs will work: anti-crisis, investment and revolving. The anti-crisis program will last until the end of March, the rate on it will not exceed 8.5%. But the loan is available only to firms from the affected industries The list of sectors of the Russian economy that require support in the context of the introduction of restrictive measures (quarantine) / ConsultantPlus , for example, the tourism or hotel sector.
Entrepreneurs from other fields can take advantage of investment and turnover programs. The maximum rate for medium—sized companies (no more than 250 employees and 2 billion rubles of annual revenue) is up to 13.5%; for small companies (no more than 100 employees and 800 million rubles of annual revenue) — up to 15%.
Representatives of small businesses will be offered a loan of up to 300 million rubles to replenish turnover and up to 1 million rubles for investments. Medium-sized enterprises can be provided with up to 1 billion rubles for all purposes. Revolving loans are available for up to a year, investment loans — up to three years.
Businessmen who signed a loan agreement before March 1, 2022, can apply for a deferred payment of up to six months. You need to contact the bank by September 30th.
The Ministry of Economic Development has identified the main industries in which credit holidays will be available:
During the grace period, the bank will not add a penalty for non-payment of the loan or demand to compensate it ahead of time. But interest on the amount of debt is still accrued — it is simply allowed to repay them later. The information that you have used the grace period will get into your credit history, but it will not worsen it. The main thing is to make payments on time after the holidays according to the new schedule.
If a company is facing monetary difficulties, but is not included in the list of affected industries, it is possible to restructure the debt. The Bank of Russia recommended Measures of the Bank of Russia to support credit institutions / Central Bank of the Russian Federation other credit institutions should meet borrowers who have problems due to sanctions after February 18 by restructuring their debts and not imposing penalties and fines on loans.
Restructuring is different from refinancing. When refinancing, you take out a new loan to pay off the old one. It is beneficial to resort to it if there is a difference in interest rates. You can apply to any bank for refinancing, but it is important that there are no delays on the current loan.
The restructuring is carried out by the bank that issued the loan. At your request, the terms may be revised — for example, if payments are difficult to make due to a difficult situation. The bank determines the terms of the restructuring individually in each case. For example, you can reduce the interest rate or reduce the monthly payment by extending the loan repayment period.
By the end of the year, the enterprises will be released Decree of the Government of the Russian Federation dated 03/10/2022 No. 336 "On the specifics of the organization and implementation of state control (supervision), municipal control" / "ConsultantPlus" from scheduled non-tax inspections. But there are exceptions: for example, with a scheduled check‑up, they can still come to the perinatal center or maternity hospital, kindergarten or school.
Unscheduled inspections are allowed only in certain situations — for example, if something threatens the life and health of people or the security of the state. But such checks need to be coordinated with the prosecutor's office.
It will last until 2024 Preferential loans for small and medium-sized businesses under the 1764 program / Moybusiness.RF the work of the special business loan program "1764". It involves more than 100 banks that issue preferential loans. They will be compensated for the lost profits from the state budget.
Previously, the loan rate was tied to the key rate of the Central Bank. But a new edition is planned. Now the rates on new loans will be fixed at 15% for micro and small enterprises and 13.5% for medium—sized enterprises.
Preferential loans can be taken by entrepreneurs who work in the following areas:
A loan is issued for replenishment of working capital, refinancing or business development. You can also take out an investment loan, for example, if you need to buy equipment or reconstruct production. The repayment period depends on the type of loan: the revolving loan must be repaid within a year, the investment loan — in 10 years.
Small and medium-sized companies will be reimbursed the bank commission for the application of the SBP for the period from January 1 to July 1. To do this, select Extension of compensation for settlement of SBP / Moybusiness.RF 500 million rubles.
SBP is a service of the Bank of Russia that helps transfer money to different banks by phone number. You can also pay for goods and services using a QR code and receive a salary or insurance payments. The business commission does not exceed 0.7% of the payment amount.
On the new site, a local customer can place a request for the purchase of industrial products, and a supplier can send a price list and offer analogues without unnecessary approvals and intermediaries.
You can search by two tags: "import substitution" — as a result, analogues of foreign goods offered by Russian manufacturers will appear; "sanctioned products" — imported products that suppliers have. Gradually, they want to include foreign traders who are ready to cooperate with Russia in the database.
The Federal Agency for Youth Affairs and the platform "We explain.The Russian Federation" launched the project "Rosmolodezh explains". These are live broadcasts for young Russians that will help them navigate the current situation. For example, you can find out how to develop a business and what support measures work for IT companies. You can follow the broadcasts on VKontakte — in the communities Rosmolodezh and "We explain.RF".
