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A detailed guide on how to open a farm. What documents will be required and how much money should be invested? The answers are here.

Capital investments in peasant farms: from 770,000 rubles

Payback of the economy: 9-12 months

This article will consider how to open a farm from scratch.

For those who are not yet “in the know”, then: a farm (aka a peasant farm) is an enterprise that is engaged in the production and sale of agricultural products.

In the minds of many people, this definition can evoke associations with hundreds of hectares of fields, large livestock, and other similar pictures.

However, mini-production can be organized by any entrepreneur. And it is very profitable to conduct it.

And the analysis of development trends shows that in the future demand will only grow.

What are the main occupations involved in farming as a business?

Farming can be divided into several categories:

Plant growing.

A huge list of plants can be planted and sold in the Russian Federation.
But several types are especially popular:

various greens;
cereals;
vegetables;
berries and fruits.

Home farm (breeding).
There are several popular areas:
1. Cattle: cows and goats (for dairy and meat products), pigs, sheep (wool), rabbits;
2. fish breeding (trout, sturgeon, carp);
3. birds (chickens, geese, ducks, turkeys).
Additional areas of farming.
This is one of strengths farming.
Almost any type of activity allows for additional profit.
This is beneficial, because you use your own raw materials for manufacturing, and do not buy:
1. vegetables, berries, fruits can be frozen and sold;
2. dairy products can be used for the manufacture and sale of cottage cheese, sour cream, cheese, fermented baked milk;
3. if the farm produces grain, you can make flour from it or bake bakery products.

What are the characteristics of a farming business?

In order to open and run a farm business profitably and legally, it is worth considering several distinctive features from other business options:

Farming is often a family business.
After all, only people related by family ties and over 16 years old can be its members.
But do not think that you can only open a mini farm with such a small staff.
It is allowed to attract employees “from outside”, but not more than 5.
Each member of the farm is obliged to take a personal part in the production.
A farm can be called a farm if it produces at least 70% of agricultural products.
The state supports the farming business in every possible way, so entrepreneurs can count on assistance in buying equipment and even getting a piece of land for free.

How to open a farm: step by step instructions for collecting documents

Opening a farm is most often decided by a family.

But this does not mean that you will not need to register with the tax office!

Especially if you want to receive benefits or a piece of land from the state.

You can get a list of documents and instructions for registration from the law that regulates farming (N 74-FZ of June 11, 2003).

Only after all the papers are completed, you can start organizing the farm itself.

You need to start by finding a suitable piece of land, and then proceed to resolve other issues.

Analysis of the current situation in agriculture

Small business is now actively developing all over the world, and the Russian Federation is no exception.

Particularly noteworthy are such areas as trade, services and private farming.

The latter demonstrates a high level of profitability and finds every kind of support from the state.

If we evaluate the growth rate Agriculture in general, we can say about his fall.

It was replaced by technological progress, GMOs.

There are fewer and fewer able-bodied people left in the villages, and young people do not strive to devote themselves to farming.

But it is worth noting that in the wake of a healthy lifestyle, a boom in vegetarianism and a raw food diet, the demand for farming has begun to grow again.

But mainly for mini-production of home-made, absolutely environmentally friendly products.

This state of affairs gives excellent prospects for opening a farm.

There is no point in wasting time when competition is at a moderate level and farmer demand is starting to pick up.

How to open your own farm: choosing land for farming

The first thing that is important for an entrepreneur who decides to open a farm from scratch is a suitable plot of land.

At the start, it is not necessary to buy it, especially since not everyone has the appropriate starting capital.

For starters, rent it.

If the entrepreneurial activity is moving forward profitably, then it will be possible to return to the issue of buying in the future.

It is best to look for a farming area outside the city, away from any industrial facilities, major roads, and other farms.

But not at a great distance, so that you can quickly and cost-effectively transport farm products to buyers.

If you intend to plant plants or raise cattle, an environmentally friendly and safe environment is important.

Also, some features appear depending on the selected area of farming:

For breeding cattle, a piece of land must be large, have a sufficient area of lawns for grazing, a reservoir.
If the farm is beekeeping, there must be fields with flower stalks next to the apiary.
Otherwise, you will have to plant them yourself.
The presence of a reservoir is also important if you will be breeding waterfowl.

What kind of staff to hire in your farm?

Farming is extremely difficult, especially for a novice entrepreneur.

Therefore, even with all the knowledge necessary for work, a businessman needs to hire a staff of workers.

For each area of activity, the list of required positions will be different.

But for any farming niche related to animals, you cannot do without a key person - a veterinarian.

It will deal with the prevention or minimization of the main risk - animal diseases and quarantine.

Also, the veterinarian allows you to carry out childbirth at the highest level, that is, to increase the farm livestock in a natural way without the cost of purchasing. So investing in the best veterinarian is beneficial for the entrepreneur.

The rest of the list of hired people will look like this:

An ordinary peasant farm mini-farm: a butcher, a livestock specialist, a milkmaid, a manager, a cleaner.
Beekeeping: depends on the number of hives, usually there is 1 beekeeper for 10 of them.
Breeding rabbits or birds: a simple task, it is enough to hire 1-2 helpers.
But this is only true for mini farm production.
For a business with a thousand livestock, the number of employees will be ten times greater.

How to open a farm: sales outlets

Homemade natural products, which are obtained on farms, are in demand by many buyers.

For example, the main livestock product - meat - will be bought by restaurants, shops, and individuals.

There is also a demand for by-products of production - wool, down. Although the demand for them, of course, is lower than for meat.

Also, catering outlets and various trading companies will buy fruits, vegetables, herbs, and grains.

It should be borne in mind that in this case sales will take place in wholesale sizes, therefore the purchase cost for customers will be lower than the usual retail one.

If for crop production it is not difficult to trade in large quantities, then it is not so easy to collect sufficient volumes of honey.

So if you decide to breed bees on the scale of a full-fledged business, a mini apiary is not suitable for these purposes.

It will be necessary to purchase at least 50 bee colonies in order to produce the required volume of product.

Therefore, most often beekeeping is organized by the whole family - after all, it is almost impossible to serve such a large apiary yourself.

But at the same time, farming is very profitable, the level of profitability is at least 20-30%.

How much money do you need to start a farm?

The point that must be carefully calculated when is the size of the investment.

After all, everyone will have their own list of expenses, and, accordingly, the amount.

Most of it will be spent on renting the territory that will suit your agriculture.

Also, in the case of choosing animal husbandry, a lot of capital will be spent on the purchase of the first batch of animals or insects (beekeeping).

One of the significant advantages is the one-time cost of opening a farm.

In almost any other business, monthly infusions of considerable amounts are required.

An entrepreneur invests money in a peasant farm once and then works for himself.

An indicative list of expenses for starting a peasant business looks like this:

What are the risks for farming?

Having your own peasant business is definitely not the most risky thing, according to many.

However, in this area, in fact, there are many potential troubles that can ruin the economy and lead to losses.

The list for a specific selected area of KFH will be different, but the general list includes:

unfavorable weather conditions for plant growth,
various natural disasters
pest infestations,
diseases among livestock
quarantine zones for animals.

How profitable is it to have a farm,

in real numbers, a working farmer says:

How quickly will your peasant economy pay off?

The amount of investments from scratch will be determined by the particular sector in agriculture that the entrepreneur has decided to engage in.

Indeed, to open from scratch, a different list of equipment, the number of personnel, the type and cost of purchased consumables will be required.

Products obtained in agricultural production are in demand among all segments of the population.

The trend towards an organic lifestyle that has emerged in recent years has only reinforced the growing demand for natural products.

So if the above step-by-step instruction, how to open a farm, is performed by an entrepreneur point by point and he produces exclusively high-quality goods, the business at the peasant farm will flourish!

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Some entrepreneurs have mastered some types of business related to breeding various living creatures for the sake of making a profit. Unfortunately, in terms of profitability, these types of activities are inferior to sturgeon breeding.

The consequences of the economic crisis have affected almost all spheres of human entrepreneurial activity. Many entrepreneurs have decided to abandon various activities, including in the livestock sector. Recently, there has been a trend towards a healthy lifestyle, which is inextricably linked with proper nutrition. Increasingly, a person prefers to eat fish, but not meat, especially pork. Therefore, having decided to start breeding sturgeons, you should not worry about selling your products.

You can breed sturgeons at home, if you create a certain temperature regime, supply water and sewerage.

Organization of a reservoir for sturgeon breeding

For the convenience of growing sturgeon, it is enough to have a plastic pool, 1.0-1.2 meters deep and up to 3 meters in diameter. This is the most convenient pool model, since it can be serviced without much difficulty.

The right choice of food

The main task is to get the maximum weight gain of the fish in a short period of time. Therefore, the food should be high-calorie and appropriate for the age and weight of the fish.

The sturgeon leads a benthic lifestyle, so the food must quickly sink to the bottom.
The food must have an appropriate smell. In nature, these species of fish search for food by smell. This suggests that he has a well-developed sense of smell. The food should not only smell good, but also be attractive to this type of fish.
The time of dissolution of feed in water should not be less than 30 minutes.
For each size of fish, the size of the feed pellets is selected.

Where to get sturgeon fry

You should buy fry only from large fish farms that have been breeding it for years. The better the product, the more likely it is to make a profit. In this case, you should not save on fry. Only healthy fry will be able to quickly adapt to new conditions and grow to the size of a marketable sturgeon.

Tanks for growing fish

At the initial stage of development of this type of business, it is enough to acquire a small mini-pool. It can be installed in a residential area or in a greenhouse of cellular polycarbonate. The mini-pool occupies an area of no more than 2.2 square meters, so it can be installed even in an apartment.

Growing Equipment

To grow fish yourself, you will have to purchase the following equipment:

Plastic pool.
Pump for pumping water.
Compressor.
Automatic feeder.
Generator.

Capacity. For growing fish, you can purchase and install several mini-pools with a diameter of 2.5 meters.

Pump. With its help, water is supplied to containers from a well or well, if sturgeon will be grown in the private sector. If there is a central water supply, mini-pools can be connected to the water supply, but this method can be much more expensive, given today's water prices.

Compressor. It is necessary for the constant saturation of water with oxygen, otherwise it makes no sense to talk about growing fish at all. Moreover, you need to install a couple of compressors, just in case, so that if one of them fails, the next one is included in the work.

Automatic feeder. It is necessary for large production volumes. If this is the beginning of a business and there is the possibility of feeding fish by hand, then you can not buy it. Malek feeds up to 6 times a day and with small volumes you can do without it.

Petrol or diesel generator. Just as important as the compressor. In the absence of power supply or its suspension, the generator will help out and will not allow the fish to suffocate. The generator must have a power reserve so as not to work at the limit. Then it will serve for a long time and will be able to guarantee the cultivation of sturgeon.

Here, the list includes only the main components of a mini-farm, without which sturgeon breeding is impossible. In addition to these elements, you will need all kinds of pipes, taps, angles, tees, etc. If you count everything, then you will need serious investments. Despite this, with a serious approach, sturgeon breeding will pay off in the first year.

Water temperature

In order to live and develop, constantly gaining weight, a certain temperature regime should be maintained. It is believed that the temperature from +18°C to +24°C is optimal.

As for the winter period, you will have to maintain the temperature at the proper level. If this is not done, then the water will simply be covered with ice, and this cannot be allowed. In this case, a large energy consumption will be required, although you can work on the heating scheme and get by with minimal costs. It is not necessary to resort to heating with electricity or gas, as this will cost a serious penny. It is better to use a conventional solid fuel boiler, and use wood waste as fuel.

If the fish is grown in improper conditions, then it will start to hurt, especially if it is fry.

Premises for growing sturgeon

Even in an apartment where there is running water and sewerage, you can breed fish. The most suitable option is private sector, where you can easily build a suitable room and organize heating, both water and air.

Depending on the number of containers, the useful area of the mini-farm is also calculated. At the same time, one container with a volume of 2 cubic meters is able to occupy an area of 10 to 12 square meters.

What do sturgeons eat

For this, there are special compound feeds intended for growing sturgeon species. The daily dose depends on the age and weight of the fish. The sturgeon feeds 4-5 times a day. If an automatic feeder is used, the fish may be fed more frequently, depending on its setting.

The payback of such a business

This is a profitable type of business that, with the right approach, will pay off in the first year. The growing cycle, starting from the purchase of fry and ending with commercial products, takes about 9 months. During this period, a fry weighing about 5 grams is gaining weight of about 500 grams, which is quite enough to sell the goods. One fry can cost 20 rubles, or even more. Ready sturgeon is sold at a price of 600-800 rubles. for 1 kg. If you count everything, then one fry is able to make a profit in the amount of 300 rubles, or even more. Unfortunately, this is not a net profit. The cost of feed will take up a significant amount of expenses.

Growing one thousand fry will require the purchase of feed in the amount of 30 thousand rubles. Electricity costs can also be significant and can be up to 20 thousand rubles a year, depending on the size of the mini-farm.

If you do not take into account the equipment, then in order to grow 1000 fry, you will have to spend:

expenses for the purchase of fry - 20 thousand rubles;
food costs - 30 thousand rubles;
electricity costs - 20 thousand rubles.

Moreover, these calculations do not include the cost of water. It is believed that water is taken from a well or well.

That's why, total costs amount to 70 thousand rubles. It is not difficult to calculate the profit from the sale of 1000 pieces of fish, weighing 500 grams and costing 600 rubles per kilogram: it will amount to 300 thousand rubles.

Net profit will be: 300 thousand rubles - 70 thousand rubles, the total will be 230 thousand rubles.

To grow 1000 fish fry, you will need to purchase equipment for 250 thousand rubles. In the first year of growing fish, the costs will fully pay off. Starting from the second year, each thousand fry will be able to give up to 200 thousand rubles of net profit.

Experience of successful farms

Unfortunately, this type of business is not as widespread as the livestock business. Events recent years indicate that large producers of sturgeon meat receive a steady income already in the 2nd or 3rd year of their activity. At the same time, you can get not only sturgeon meat, but also sturgeon caviar using accelerated technology. This can happen in the 5th or 6th year of a female's life. At the same time, it should be borne in mind that sturgeon caviar can be sold at $ 1,000 per kilogram.

Business plan

The calculation formulas are absolutely the same, but to organize the breeding of sturgeon in large quantities (up to 20 ... 30 tons per year), one should take into account the fact that you will have to spend money on the construction of a capital building. Alternatively, such a building can be rented. Moreover, a lot of money will have to be spent on paying wages to hired workers. Still, it is unlikely that you yourself or your family will be able to cope with such volumes of work. With an increase in production volumes, other expenses, such as deductions to the budget, also increase. The larger the production, the greater the problems and the more difficult it is to grow sturgeon fry to a marketable condition, the greater the risks associated with unforeseen costs.

To whom to sell sturgeon fish

You can sell your products according to various schemes: sell on the market, where you can organize your outlet, sell in a store, having agreed with the owner, or deliver to restaurants by concluding relevant agreements. Through restaurants, you can sell up to 70 kg of sturgeon per month. It is not difficult to calculate how much fish you need to grow per year: up to 1 ton of fish or up to 2000 units, weighing 0.5 kg each. Such small sturgeons are the most popular in the restaurant business. They prepare the most refined and delicious dishes.

As practice shows, you can make serious money on a home mini-farm. Somewhere in 3-5 years, if you approach it smartly, you can organize a business with a turnover of several million rubles, and this is on your backyard or suburban area. But not everything can be obtained immediately and momentarily. In any case, you should start with a small amount of growing sturgeon meat. And when experience and confidence appear, production volumes can be increased, and not immediately, but also gradually: first, grow 1000 fry, then, if possible, 2000 pieces, and then, as they say, appetite comes with eating.

Conclusion

Naturally, business is not such a cloudless occupation. In the process of organizing, serious organizational problems may arise related to the legitimization of your business. Indeed, without these skills, it is unlikely that it will be possible to negotiate with a store or restaurant. Therefore, the business plan does not include organizational measures related to obtaining the relevant documents. In addition, it is not known what it will cost the entrepreneur and whether it can be organized in his country house or in his backyard. In addition, without the relevant documents, it is unlikely that it will be possible to purchase fish fry.

Each business project requires an integrated approach with various calculations. Each business plan should include various losses associated, for example, with the death of some fry. In other words, risks must be considered, and this is not always possible. Therefore, being engaged in a non-traditional field of activity, you can always ignore something, and this “something” can ruin the whole business.

The organization of a mini dairy farm is considered by many aspiring entrepreneurs as an excellent prospect for starting their own business. Such popularity of this idea is easily explained:

Ready-made project of a small mini farm

A mini-farm requires a small production area.
For family farms, reasonable investments are needed.
To maintain a mini-farm, minimal costs are required.

The project of a modern farm for 50 or 100 heads will provide all family members with permanent work and a stable good income.

Any investment of money must be justified. Therefore, you should start by creating a project or writing a detailed business plan. To become a competitor for large livestock farms, you need to think everything through.

No one is required to immediately raise huge complexes. You can start with a small herd.

What is a mini farm

Mini-farms include farms that keep cattle. Livestock breeders receive and sell dairy, meat and other products.

Internal arrangement of a private mini-farm

In livestock farms, where they are already making a profit, the average number of livestock is from 50 to 100 units. The project allows in the future to increase production volumes and increase productivity. At the same time, any Russian family will be able to open their own business, since fabulous funds are not needed to buy cattle, build outbuildings, or open an individual entrepreneur.

Mini-farm project: phased creation

Select land plot.
Bring all the necessary communications.
Determine the number of livestock.
Decide what type of industry you will be engaged in - dairy, meat or combined.
Choose the method of keeping cattle - with or without walking.
Calculate how many technical rooms equipped with modern equipment need to be built.

Farm Animal Fence

If it is not possible to bring communications to the site, you should carefully consider your decision: this is an unprofitable acquisition when you have to spend a lot on bringing water or generating electricity.

The nuances of choosing land

When for livestock farms, you need to be guided by the following rules. The land area must be at least 1000 sq. m. Depending on which method of keeping you prefer, you may need pastures for walking, hangars, fields to grow fodder crops and make hay.

If there is no own food base, then it is unprofitable to keep cattle. Almost all the profits received from the farm will be spent on fodder harvesting.

The location of the mini-farm on the layout of the suburban area

When an entrepreneur does not have enough money to have the district administration, he can rent it.

Bringing communications to the land plot

It is important that the land is in convenient location. If the passage is difficult, the site is in a lowland or the soil is depleted, additional investment will be required. The remoteness of the farm from communications and settlements cannot be attributed to the advantages.

It is better to start construction on the former land of the state farm, where cowsheds, production facilities and water supply, gas, electricity, and sewage can already be built.

The number of animals and the definition of the type of activity. For a dairy farm, it is recommended to keep at least 25–50 heads at a minimum. Since cows bring offspring, the number of cattle in family farms can constantly increase.

The owners of the mini-farm will also need to keep bulls. Over time, the total number of cattle can reach 100 heads.

Building a mini-farm: possible alternatives

Today there is a demand for the construction of dairy farms. You can do this in various ways:

Restore the old facility and modernize it;
Build a completely new complex.

Let's take a closer look at each method separately. The first of them involves the construction of livestock farms in areas where there is a building that was previously used as a cowshed. Make a major overhaul of the premises, perform the necessary work on insulation. The interior space is being modernized. Install partitions.

Construction of cattle pens on a farm

If the building is well preserved, and you are going to use it in the future, then the territory is equipped according to the existing project. The second way to build a mini-farm involves starting from scratch. When opting for metal barns, you must remember that the cost of the project can increase greatly. There are modern building materials that are cheaper than iron. As an option, you can consider the purchase of a turnkey mini-farm.

In this case, a professional company is engaged in construction work, and in the meantime, the entrepreneur can devote more time to developing the optimal strategy for his business. It is convenient that the proposal from construction companies for the construction of a turnkey farm practically does not require the participation of the customer in construction work.

The process of building a mini-farm for cattle

You can try to find a suitable project in the catalog of the company you applied to.
The presence of the business owner is necessary when the farm is already built. He inspects the object and accepts the work. Entrepreneurs can order the creation of individual family farm projects. Then, during the construction of the object, all the wishes of the customer are taken into account. can be designed for a different number of cows: 25; 50; 100; 150.

Do you want to open your own farm? Wonderful! But one desire is not enough. Need money. Need advice. Helpers are needed.

All this is in the "ready-made solution" of Rosselkhozbank, which was developed for you by dozens of experienced specialists. It includes: a loan to set up a family dairy farm; seven variants of examples of typical farm projects to choose from; an example of a feasibility study for a family farm; the possibility of obtaining subsidies to reimburse the cost of paying interest on the loan; the possibility of financing the costs of building infrastructure and communications for the farm at the expense of the subjects Russian Federation.

What is a family farm?

Within the framework of the Program, a family livestock farm is a farm owned and/or used by peasant (farm) farms established in accordance with Federal Law No. 74-FZ of 11.06. economic activity based on their personal participation. Private farms can employ permanent (seasonal) workers in the amount of not more than five people to work on a family livestock farm. When participating in the Program of farms over 100 heads, permanent (seasonal) workers in the amount of up to ten people can be involved.

Where can I get money for my participation in the project - 20%?

First of all, remember: you can deposit your own funds in stages. The first 10% - until the issuance of the first loan, the remaining 10% - until the completion of the construction of the farm. Further: own funds may or may not be money! What does it mean? As its own participation in the project, Rosselkhozbank considers and takes into account the property (land, building, equipment, etc.) that you own and which will be used in the future in the activities of the farm, as well as subsidies, subsidies received by you from the constituent entities of the Russian Federation. To become a member of such a program, you need to contact the agro-industrial complex management body in your region. Your candidacy will be discussed and approved at a meeting of a special joint commission, which includes representatives of the management bodies of the agro-industrial complex of the subject of the Federation, the Association of Farmers (AKKOR), Rosselkhozbank and Rosagroleasing.

For how long can a loan be taken?

Up to 15 years for the construction of a family dairy farm Up to 8 years for the purchase of agricultural equipment, specialized transport and special equipment for the farm Up to 8 years for the purchase of technological equipment for completing a family farm Up to 8 years for the creation of engineering infrastructure and communications facilities (electricity, water supply, sewerage, gas supply, construction of roads and access roads) that ensure the maintenance of livestock Up to 5 years for the purchase of farm animals Up to 2 years for the formation of initial working capital. This can be a stock of fertilizers, pesticides, seeds, feed, raw materials for processing, materials, GSLL, animals for fattening, etc.

● Call Rosselkhozbank at hotline 8-800-200-02-90 (free call) or contact the branch or additional office of the Russian Agricultural Bank at the place of residence.

● Get advice from an employee of the Russian Agricultural Bank and materials on a "ready-made solution". Ask any questions, we will definitely help you!

● Determine what loans you need. Do not hurry. Your success will depend on how carefully you think everything through!

● Decide where you will get money for your own participation in the project - 20% of its cost. This is a must! No ideas? Then read our recommendations (see above). The project of a family dairy farm is, first of all, money. And money requires careful attitude. That's why Special attention It is worth paying attention to the preparation of the part that concerns the execution of all necessary documents. You are offered: an example of a feasibility study (feasibility study), a list of initial permits and options for design and estimate documentation (IRD and PSD). Sounds incomprehensible? In fact, everything is simple!

● We study seven options for examples of typical design and estimate documentation, choose the appropriate one or offer our own.

● Following the example of a feasibility study (feasibility study), we estimate the amount of necessary investments in the project, calculate financing options, profitability and payback period.

● We draw up a business plan for creating a farm.

● We collect a package of IRD: documents for land; construction documents; contracts; evidence of a self-regulatory organization.

● Having drawn up a business plan and determined the cost of the project, we begin to prepare a set of documents for the commission and for the Bank to consider the issue of preliminary approval for obtaining a loan.

Family farm business plan.

The most important thing to write correctly is a business plan. Its main sections are listed below. In this difficult matter, the Bank's specialists also did all the main work for you.

The main sections of the business plan:

1. Information about you

2. Essence of the project

3. Deadlines and milestones

4. Financing scheme

5. Efficiency

BY THE WAY, ACCOR proposes annually on a competitive basis to allocate grants up to a million rubles per farm to beginner farmers as start-up capital. Of course, not enough. We need 3-5 million. Loans are needed, Rosselkhozbank will help here. And we are working on the creation of a federal guarantee fund to help farmers who do not have collateral to work with banks.

We decide how we build: ourselves, or with the help of a construction company.

You can build a farm yourself, on your own, hiring workers for separate stages. Or you can hire a professional organization for the entire project at once. In both cases Rosselkhozbank will support you! The first option will cost you less, but you will have to spend more time collecting and processing IRD. In the second case, a construction company will take over part of this work, but this, of course, will cost extra money.

The IRD package must contain:

Certificate of ownership of your site or lease agreement;

Building permits and cadastral plan;

Report on engineering and survey work on the site, technical conditions for connecting the farm to local engineering networks;

General contractor agreement for the construction (reconstruction) of a farm, an agreement for engineering and survey work, an agreement for the provision of construction supervision services (technical supervision).

With many of the listed documents, you can be helped by a self-regulatory organization, i.e. in the company that will build your farm, or carry out work at a construction site.

What is included in the feasibility study of a “turnkey solution” for a family farm?

Choice of loan terms
Automatic calculation: how much money you will receive with such and such milk yield and such and such selling price of your farm products.
Automatic calculation of loan payments Automatic calculation of the amount of subsidies
Automatic calculations: construction costs, equipment, machinery, animals, working capital, etc.
A plan for financing the project and reaching its self-sufficiency. You have only one step left: to correctly issue and submit to the Russian Agricultural Bank Required documents.

First, the Bank gives preliminary approval of the possibility of granting a loan, and then makes a final decision on the transaction. Next, we will consider which documents are considered by the Bank and in what order. We will also give information about state support to the future farmer.

● Having collected the documents, we submit them to the Russian Agricultural Bank for preliminary approval and to the commission for the selection of participants in the sectoral or regional support program for farmers.

● Are you included in the list of participants in the regional program and received preliminary approval from Rosselkhozbank? Yes! Then there was the last step! Prepare documents for making a decision on the transaction and submit them to the Russian Agricultural Bank. Details - below!

● Confirm your own cash contribution of 10% of the total project cost. Remember that it is not necessary to bring “live” money to the Bank.

● Remember that until the end of the construction and completion of the farm, the total amount of the client's own participation in the project should be 20%.

● Get a loan and start building your farm. Oh, and don't forget the subsidies! 10% cash and more! It is always worth remembering that you can contribute your own funds to the project not only with money, but also ... with money already spent!

Namely, to submit to the Bank payment and settlement documents confirming the expenses already incurred by you at the preparatory stage of the project implementation.

And the preliminary approval of your application by the Bank does not require so many papers:

Application form

Financial statements

Business plan

Customer Registration Confirmation

How to replace the money in the first installment?

Business plan development costs

Expenses for the creation of engineering infrastructure and communications facilities, other preparatory expenses for the project

Expenses for engineering and survey work

Construction and installation costs

Payment of advances under contracts for the purchase of machinery, equipment, livestock

Participant Selection Criteria

Industry target program

The commission (which we talked about in Step 1) takes into account:

whether you have preliminary contracts or agreements of intent on the supply of milk with processors;
creation of additional jobs by you;
the location of your farm so that milk for processing is no more than 50 km away;
availability of a business plan and feasibility study;
absence of overdue obligations on payments to budgets and loans;
availability or economic justification for creating their own feed base or the conclusion of preliminary contracts for the supply of feed;
the age of the head of the farm should not exceed 55 years, and average age members of a farm engaged in active agricultural labor within the framework of a peasant farm - 40 years;
the readiness of the Program participant to conduct excursion and training workshops based on the implemented pilot projects in order to transfer the best practices of the functioning of pilot family dairy farms.

In order for the Bank to make a decision, prepare the documents correctly.

So, you and I are preparing for the consideration by the Bank of the issue of financing our project.

First you need to get pre-approval.

To do this, we fill out an application form (it will be given to you at the Bank), provide financial statements for the last reporting year and the last reporting date of the current year, a farm business plan and documents confirming the registration of the client. The Bank looks at these documents and, if everything is fine, you proceed to the second stage - prepare a package of documents already for concluding a transaction. It's tougher here. Firstly, you will need a document confirming your inclusion in the agricultural producers, who will be provided with state support. In addition - documents for land, constituent documents of your organization and documents confirming the ownership of the property that you represent as a pledge. Is the transaction approved by the Bank? Congratulations! Then the Bank itself prepares a set of contracts. You put your signature and - hooray! - Your dream of owning a farm is starting to come true!

State subsidies for the creation of family dairy farms can be received by heads of peasant farms, individual entrepreneurs, and agricultural consumer cooperatives.

The state now considers the development of family dairy farms in Russia one of the most important tasks. Therefore, you will not be left alone with your problems. Moreover, when obtaining a loan for purposes related to the creation of family farms, the Bank's borrowers can count on receiving state support. The state will reimburse you for part of the costs associated with the payment of interest on loans, which will reduce your costs.

The state can partially compensate your expenses for paying bank interest on loans. How does it work? You apply for a loan at the Bank, after which you prepare documents for obtaining a subsidy. As soon as your application is approved, the Bank will start receiving funds to your account to pay part of the interest rate. Thus, by receiving a subsidy, you can reduce the "real" interest rate on the loan to 4-5%.

Support for agricultural producers is carried out both at the federal and regional levels. Many constituent entities of the Russian Federation have now developed new special programs for small businesses that provide for additional measures and conditions for state support. Be sure to find out about the availability of such programs in your regional administration! Information on how to receive subsidies is also open. It is available from any regional agricultural authority regional organizations ACCOR.

Participants of the target program of the Ministry of Agriculture of Russia "Support for novice farmers for the period 2012-2014" can apply for a grant to create a production base for peasant farms.

The grant can be up to 1.5 million rubles. per new farmer. The amount of the grant is determined by the regional competitive commission for the selection of novice farmers.

Purposes for which the grant received by you from the state can be spent (Read carefully! Surely these are your plans!):

Purchase of agricultural land;

Development of design estimates for the construction (reconstruction) of industrial and warehouse buildings, premises;

Purchase, construction, repair and reconstruction of industrial and warehouse buildings, premises, outbuildings, engineering networks, barriers, structures;

Registration of production facilities;

Construction of roads and entrances to production and storage facilities;

Connection to engineering networks - electrical, water, gas and heat networks, road infrastructure;

Purchase of farm animals;

Purchase of agricultural machinery and equipment, trucks, equipment and processing of agricultural products; - purchase of seeds and planting material for laying perennial plantings;

Purchase of fertilizers and pesticides.

REMEMBER grants from the state for the creation of farms and other forms of business in the countryside can be received by individual entrepreneurs - heads of peasant farms.

The subsidy can be up to 100% of the amount of interest on your loan.

How does it work? Everything is quite simple. The fact is that the state today is extremely interested in creating as much as possible more family farms, and that supports those who want to start their own business with all their might.

Your expenses for paying interest on loans received from the Bank are subsidized from the state budget in the following order: - the state will return interest on loans issued for the creation of a farm in the amount of: 100% of the refinancing rate of the Central Bank of the Russian Federation (from the federal budget) and 3 percentage points above the refinancing rate - at the expense of regional budgets.

Many constituent entities of the Russian Federation have also developed special programs for state support of small businesses, providing for additional forms and conditions of state support for the creation of family farms.

Be sure to find out about the availability of such programs in your regional administration! This information is public. Moreover, it will help your business!

BTW, subsidies from the state are provided in accordance with the Decree of the Government of the Russian Federation of February 4, 2009 No. No. 90 "On the distribution and provision in 2010 of subsidies from the federal budget of the constituent entities of the Russian Federation to reimburse part of the cost of paying interest on loans received from Russian credit institutions and loans received from agricultural credit consumer cooperatives."

So STEP 1

● Find out which state organization in your region manages the agro-industrial complex. Usually this is the Ministry of Agriculture or the Department of Agriculture

● Find out from the regional agro-industrial complex management body what documents you need to collect for subsidies and agree on the deadline for submitting them.

● Gather all necessary documents and submit them to the local agro-industrial complex (Ministry of Agriculture or Department of Agriculture).

● The state has established the most simplified procedure for obtaining such subsidies. A decision on your question is made within 10 days.

● If a positive decision is made, funds for reimbursement of part of the costs are transferred to your settlement account opened with the Russian Agricultural Bank. You can contact any branch of the Russian Agricultural Bank in the territory Krasnodar Territory and get free consultations by phone "hot line" 8-800-200-02-90

The real story of the creation of the first family farm: Alexander Gulin, a 45-year-old farmer from the Mordovian village of Teplovka, became the first farmer in Russia to take out a loan to start a family dairy farm.

It was three years ago and now Alexander is ready to tell readers about his own invaluable experience. “It all started with a project competition held by our Republican Ministry of Agriculture,” Alexander recalls.

I sent an application there, received a positive response. An important “advantage” in my favor was the fact that the land on which I planned to build a farm was already my property.

Rosselkhozbank gave me the first loan - 9.3 million rubles, and helped me with all the paperwork. In just three months, a farm for 100 cows was built.

I bought milking equipment from a German supplier who has been working in our republic for a long time. Today, thanks to the latest technology, I get about 20 liters of milk per day from one cow. I deliver milk to the regional center (they know it and willingly buy it), I sell some of it to the local dairy.

In 2011, I began to repay the loan, before that there was a deferment from the Russian Agricultural Bank. She helped a lot. The farm is already bringing in money, sales have been established, there is something to pay for loans.

It remains for development - for example, last year the farm's income amounted to 300 thousand rubles, which I invested in the development of production.

In five years I plan to reach a stable profit already “for myself”. And this is taking into account the current plans for the development of the farm: the construction of a maternity ward, the organization of the production of cottage cheese, sour cream, and cheeses.

The material was provided by the public relations service of the Krasnodar regional branch of Rosselkhozbank OJSC