Most Popular Businesses. ideas for a profitable business without initial investment. Providing small loans

Many people constantly need a product that tends to end. No, the buyers themselves, of course, dream of extending the life of their purchase as long as possible.

But perpetual motion machine not yet created, so you have to replace the finished medicine / shampoo / product and so on to purchase a new one. And this aspiring entrepreneur should take advantage of. So let's look at a few the best options that best meet the requirements mentioned above.

People in Russia, no matter how bitter the truth may sound, have been ill, are ill and will continue to be ill. There is no one more pill for all ailments, which is why there is such a rich assortment on the shelves of pharmacies. You can’t build happiness on someone else’s grief, but a pharmacy is a very profitable business with investments, and you should take a closer look at such a business.

It is only necessary to take into account the location and the basic needs of the population in the district.

For example, demand will be huge in places where the nearest drug store is several kilometers away. And we ourselves know that sometimes a pill of the same painkiller is needed immediately.

Accordingly, if the area is predominantly populated by families with children, the proposal should be in solidarity with their requests. This includes infant formula, various bottles, and pacifiers with diapers. Keep in mind that the activities of pharmacies are subject to licensing, and the license is issued for a specific premises. And this is a business that is not afraid of the crisis.

Pharmacies have a big plus - scalability. Having opened 1 small one today, in the future it will not be difficult to open 1,2,3 more in your city or a couple in a neighboring one.

You can open a pharmacy both on your own and, with the second option, the income will be less, but its implementation is much easier, since the franchisor provides everything you need and teaches you the intricacies and nuances of the business.

2. Medical center

In order not to go far from the topic medicines, the second option is to consider the opening of a medical center. Difficult? Yes, this is not the easiest business idea to implement.

But remember government agencies: most of the visitors equate them to one of the branches of hell. Why not show those in need medical care new format of service? No queues, all doctors are extremely correct and professional.

Naturally, the key to success will be the choice of a suitable location. Third in a row on one street honey. the center will obviously be superfluous. But even on the outskirts of the city it is not worth opening it. You will have to think in advance of a convenient place.

In particular, attention should be paid to transport and walking distance.

3. Funeral services

Even the best medical center does not guarantee immortality. And soon, until scientists find the secret eternal youth, funeral services will be in demand.

The niche is very well developed and filled, but high quality and low prices will make your small business project stand out from the competition. This promising business as there are more and more people, and accordingly more people die. Death is usually not expected by anyone, so the funeral process itself can hit the budget.

Offer your customers an installment plan, a discount, and then the profit will become constant and stable.

4. Car service

Moving away from the sad topic, let's remember the car owners. Many of them simply do not have a soul in their transport, choosing the best for their four-wheeled friend. It is worth taking advantage of this and opening a car service. Customers should be attracted not only by reasonable prices, but also by good quality and speed of work. A simple business that is worth opening for a beginner. To start, you need to rent 2 boxes and hire 2 car mechanics.

Important point: it is better to pay them a percentage of the proceeds, usually it is 50-50, but you can also agree on 60% for yourself, 40 for the master.

5. Car wash

This point could be related to the previous one. good business, which can be opened both in small and in big city, but we will consider it separately. Not everyone who wants to fix a car wants to wash it. And vice versa. At the same time, it should be noted that a car wash requires much less investment.

Therefore, if your start-up capital will not allow you to immediately create something large-scale, but you definitely want to work with cars, take a closer look at the option.

It is consistently profitable small business with minimum investment. You can start it with only 200,000 - 300,000 rubles ($ 4,000), subject to renting a garage or box for this business.

6. Clothing store

All stores have one meaning: to sell goods. But in our case, we will consider several points of sale of different directions. So what are the hottest clothes these days? The one that has good quality And low price. By the way, you can open a clothing store at minimal cost.

For example, it can be a shop, a stall, a pavilion with only men's underwear.

It is desirable that the range is presented in both small and large sizes. Also, do not forget about the creation of several departments at once: for women, men, children. this one good own business, where the markup on the wholesale price is usually about 300%. It is easy to organize this business and you do not need special knowledge.

7. Cosmetics and perfume shop

Cosmetics and perfumery for the fair sex is always a "sweet spot". For success, it is worth taking care not only of quality, but also of a different price orientation.

8. Grocery store

Yes, we are in Once again we consider the store as a business option. And the product point most fully corresponds to what was said at the very beginning: disposable goods are becoming more popular.

choose good, the right place (this is important), open a store, fill the shelves with affordable and excellent quality goods, and you can expect a quick payback.

9. Meat and fish shop

As in the case of a car wash / car service, we are opening a meat and fish store separately from the grocery store. Why? Because this way we can offer our customers the richest choice. The entire sales area is designed specifically for our meat and fish products. This will allow both buyers to attract, and the quality to keep at the proper level. This is one that can be opened from scratch.

10. Homemade Food Store (Natural Products)

About 5 years ago there was not one in my city. Now there are already 6 of them. I live in small town, with a population of just 18,000 people. And none of them closed. 1 such store was opened by my friends 3 years ago. Things are going well for them and they do not plan to close. From products sell homemade sour cream, milk, meat, cottage cheese, dumplings, cheese, etc. It makes no sense to list the entire range, but I will say that it is impressive and the prices are rather big. And even with such a picture, there are always customers.

For example. Sour cream for half a kilo costs them 250 rubles, in the store the usual one is 4 times cheaper. But people buy and are happy.

In another similar store, a large assortment of homemade cakes: eclairs, various cakes, including Napoleon, a huge number of different dishes and salads, ready-made. There is a demand, people buy because many people are too lazy to cook after work.

The most profitable business of the above is difficult to single out. After all, a lot depends, including on the scale. For example, no doubt a meat and fish store of 30 square meters will bring more profit than pharmacy kiosk in 8 sq. m. But still we will try. Based on our experience, the most profitable business today, from the listed - a pharmacy, honey. center, food and clothing store.

The most important choose the right place, 90% of success for this type of business depends on it.

Before starting your business activities, be sure to complete detailed business plan, in which describe everything to the smallest detail (consider all questions thoroughly). We hope we answered the question - what kind of business is profitable to do. Good luck dear reader and novice businessman!

What are the most profitable types of small businesses in Russia, and how do they differ from popular implemented ideas in other countries? The specifics of laws and consumer demand are still short story development of entrepreneurship in the state led to significant differences in areas and areas that are successful in the Russian Federation and abroad. If in the West and in the newly industrialized countries the basis of tax revenues from businessmen is IT technologies, development, production know-how, then in our country the most profitable types of small businesses are concentrated in trade and the service sector. Among the main reasons, experts identify:

• the focus of businessmen on the formation of assets through working capital, which are faster and easier to implement, in the event that the business does not receive recognition and success. These are the expectations of a sudden change in laws, when it is not always possible to be sure what part of the profit the entrepreneur will be able to dispose of after receiving it. AND difficult conditions entry into manufacturing industries, and the lack of cheap loans available. Therefore, small businesses are in no hurry to acquire less liquid fixed assets (machines, equipment, etc.);
• marketing difficulties. If the service is organized specifically “for the buyer”, for example, an atelier is opened in a new microdistrict in a “sleeping” area of ​​​​the city or near a new business center - a cafe, the owners can always count on solvent demand and a client audience. Being engaged in production and development, it is necessary to know the consumer in advance. You can participate in the procurement program on the basis of FZ-44 or FZ-223, but this requires serious knowledge and financial support, which is not always available on initial stage affairs;
• resource difficulties. Even if sales are found, in order to organize a laboratory or a scientific center, qualified personnel, complex, often imported equipment, and consumables are needed. Often they are difficult not only to buy, but also to find.

The most profitable types of small business in Russia

Assessing the most profitable small business in Russia, the rating can be presented as follows (share in the total number of recognized profitable activities, the profitability of which, regardless of the season, is 100 percent or more):

The remaining 3% covered other industries. Some of them, with high potential profitability, are distinguished by high requirements for initial investments in their organization. For example, specialized clinics, leasing property, drilling wells, oil and gas.

Others have not yet become widespread, since the client market has not been formed or sufficiently prepared, and they can only develop so far in large metropolitan areas. Among them are private managers, financial consultants, chiropractors.

Some of them will become promising and in demand over time, others will not be widely used and will not become profitable types of small businesses in any other regions.

Profitable production for small businesses

Details on how much investment is required for production in the most profitable types of small businesses in Russia and what entrepreneurs can count on:

Open-air cinema: the whole truth about the new super-profitable business

Small wholesale bases

Their main advantage is the convenience of location and wide sales. These organizations are necessary for both private buyers, and large networks, and contractors - small entrepreneurs.

The main part of their costs is the rental of premises and equipment to maintain optimal temperature and humidity parameters. The starting capital of such firms is about 300 thousand rubles, the profitability is at least 100%, the payback is less than a year.

Retail stationary and market trade

With a successful choice of the location of the outlet and the compilation of the assortment, the costs can be recouped already within the first 4-6 months on the date of the project launch. The level of profitability can be higher than 200%, the industry average is about 150%. Investments - from 200,000 rubles.

Construction and repair

Most often, the work is seasonal, but on average per year, based on the seasonal yield, it is 110%. There is a demand for work on minor repairs of premises, cars, installation of air conditioners, split systems, installation plastic windows, balconies, wardrobes, built-in furniture, reconstruction of country and garden houses. The payback amount is from six months, the minimum starting capital is 100,000 rubles.

Profitable business with minimal investment: ideas

Business ideas are associated with the implementation of one's own unique capabilities, skills, abilities, and knowledge. These are consulting, accounting, auditing, financial and legal consulting and transaction support, tutoring, etc. educational activities, creation, website promotion, online advertising, massage, etc.

The profitability of such a sphere is estimated at the level of 120 percent or more, the payback in it comes literally from the first month of the functioning of an individual entrepreneur (or LLC).

Household services to the population

A significant part of the start-up costs is the rent of premises for the office of the company.

They can be minimized, for example, by opening a business in your own apartment at first (if this does not contradict the conditions for using the living space). This option will allow you to count on starting from 50,000 rubles. (depending on the type of activity), payback during the first six months of the company's operation, high (about 100%) level of profitability.

Public catering

Requires a significant invested capital, at least 300 thousand rubles. Payback is minimal - 4 months, average - 9 months. Profitability - 130%. Advantages - high demand, you can open a cafe and production with the immediate sale of fast food products in almost any locality, varying the assortment and focus of the offer.

Every novice businessman thinks about how best to optimize their income.

After all, no one will ever agree to waste their time and money on a project that is obviously unpromising.

What areas of business today are the most relevant and profitable, always remains on the agenda.

What you need to know before opening

Factors to know before starting your own business:

1. Compose detailed plan expenses that will have to cover the initial cash investment.
2. Take into account the possibility of competition. For example, the less locality, the less competition, but at the same time, the less possible sales volume.
3. Choose the type of business in which the entrepreneur is most well versed.

Before choosing a field future activities, it is worth highlighting the key factors that determine its profitability:

• Time interval to return initially nested Money.
• The chosen business area must necessarily be characterized by high demand from consumers.
• Acceptable level of profitability. Profitability should increase in parallel with the volume of goods or services sold.
• Low price threshold, at which the purchase of materials and raw materials contribute to increasing profitability.
• Positive rate of return on assets.

To implement a small business, minimal labor resources and funds are required. For example, you can gather friends and do cleaning of apartment premises, repairs. You can also open an inexpensive fast food, kiosk or bar.

Not so long ago, network marketing was in demand, operating on the principle of selling the goods or services produced directly to the consumer, bypassing intermediaries, which significantly reduced costs and increased profits.

A striking example of network marketing is the space company Oriflame.

Most Profitable Small Business 2016

The vast majority of professional analysts agree that the most profitable and cost-effective type of business is construction, consumption and catering.

The most promising features are repair, installation and construction work. Profitability within such a business can reach 100 percent of the cost.

1. Beauty and health. Not less than profitable area entrepreneurship at all times have been services in the field of beauty. Everyone wants to be not only healthy, but also beautiful. Today, the business of providing beauty services is in demand and highly paid. People of all financial opportunities and age will always spend money on maintaining their health and beauty. That is why massage rooms and barbershops are just as popular.
2. Construction industry. As mentioned above, one of the most advantageous species business in Russia is construction and installation work. This is explained primarily by the growth of the real estate market and the coverage a wide range activities. One of the advantages of this type entrepreneurial activity is the minimum monetary threshold. For example, if the funds to open construction company is not enough, then you can form a team of professionals, and gradually expand the list of services it provides. If you have significant funds, you can safely build real estate.
3. Trade in food products. Equally in demand and profitable is the satisfaction of the primary human needs - food. It is best to start trading in a residential area, which does not yet have any outlets that can have any significant competitive impact. In the absence of large investment opportunities, you can open a small stall, gradually expanding the range and, as a result, sales. Having collected enough money, you can safely open a grocery store or a small restaurant. The most important thing in this business area is the right selection of suppliers.

More and more women are trying to realize themselves in entrepreneurial activity and they are doing it well. become successful. Where to start and what areas to choose?

Read about how to open your own cafe. How to choose a location and what documents you need to have.

If you have experience working with children and enjoy it, you can open a private kindergarten. iui l detailed information about the nuances of the business and how much you can earn.

Top 20 most promising areas

In the vast majority of cases, medium and small businesses form the basis of the entire economy of the state.

The reason for this is low costs and considerable profits.

True, in many respects the success of an entrepreneur depends on his preparedness and the area of ​​business in which he decided to act.

Let's highlight the top most profitable businesses:

1. Private audit companies. The average rate of return is 16.5 percent.
2. Manual therapists. Profitability at the level of 15.3 percent.
3. Clinics (specialized). Profitability within 15 percent.
4. Services of professional accountants. The average rate of return is 14.9 percent.
5. Private dental clinics. Profitability within 14.7 percent.
6. Tax calculations. Profitability up to 14.7 percent.
7. Dentist-orthodontist. The services of these specialists provide a yield of 14.4 percent.
8. The layer's services. The average rate of return fluctuates around 13.4 percent.
9. Lending individuals. The average profitability is 13.3 percent.
10. Financial management (private services). Yield up to 12.2 percent.
11. Drilling of gas and oil wells. Profitability rate at the level of 12 percent.
12. Spectacle Specialists. The yield level is within 11.5 percent.
13. Rental of housing and unnecessary premises. The average profit margin is 11.3 percent.
14. Valuation of real estate. Profitability in the region of 11.3 percent.
15. Leasing storage rooms or small warehouses. Profit up to 11 percent.
16. Insurance agencies. The rate of return is within 11 percent.
17. credit intermediaries. Profit up to 10.7 percent.
18. Investment project consultants. Profitability in the region of 10.7 percent.
19. Audiologists speech therapists. The rate of return is within 10.6 percent.
20. Services of a private therapist. Profit up to 10.4 percent.

No less profitable is the creation of small children's institutions. As a result of today's shortage of places in many public kindergartens, small development groups, children's clubs and private kindergartens are in great demand.

What type of business is the most profitable

In the realities of today's market economy - advertising is what is most relevant.

Small business example - own bakery

To begin with, you can limit yourself to the services of posting advertisements, creating various booklets and business cards, etc. Everything directly depends on the initial financial capabilities of the entrepreneur.

There are other most profitable types of business. An equally relevant type of business, and at all times, is the sale of services and consumer goods. People will always need food, clothing and various entertainment services. True, it is worth remembering that the higher the popularity of the chosen business area, the higher the competition will be and, as a result, the more difficulties in increasing turnover.

Conclusion

If there is no desire to come up with something new and creative, you can always pay attention to the simplest areas of small business. In particular:

• Growing products with their subsequent sale in markets or large retail chains;
• Creation of exclusive dishes and drinks that can be sold through your own store on the Internet. Similar goods can also be delivered to various offices and restaurants as business lunches.

True, it is worth remembering that the simpler the chosen business, the less they bring profit. In order to determine for yourself the most acceptable type of business (in terms of profitability and profitability), and in the future to open your own successful business project that is guaranteed to make a profit in a short period of time, you need to carefully consider and calculate everything.

Related video

Profitability is the main indicator by which you can characterize the state of the business. It is usually calculated as a percentage. The higher the number, the more profitable the enterprise. In addition, this means that all your initial investments will pay off in the shortest possible time. Let's look at a few examples of profitable businesses for 2018.

Fast food

Looking for profitable business ideas? Let's take a closer look at the fast food industry. In network establishments, one cup of coffee costs about 160 rubles. The ingredients that are used to make this drink cost 10 rubles. In a small cafe, about 100 cups are bought per day, respectively, the owners of such a business earn up to 10 million rubles a year selling coffee. If you are wondering which business is profitable in 2018, pay special attention to street trading food and drinks.

Pawnshops

This is the most profitable business in 2018. Issuing loans secured by property brings huge profits. In some pawnshops, the monthly interest rate reaches 20%, which means that 240% accumulates in a year. Such profitability cannot be achieved by any bank or any other financial institution.

This type of business pays off in the shortest possible time. The demand for such services during the crisis begins to grow, so pawnshops bring excellent income in any economic conditions. attract many aspiring entrepreneurs, so if you decide to open a pawnshop, hurry up, otherwise newcomers will take your place in the market.

Tennis courts

To quickly return the initial investment, you need to build an indoor court that will make a profit, regardless of weather conditions. It is not worth investing a lot of money in the construction of a capital building. At first, you can build a temporary structure. To increase the profitability of the enterprise, open a small cafe near the court, rent sports equipment or organize training courses for beginners.

Examination of antiques

Recently, many fakes of antiquities have appeared on the market. The copies are made of such high quality that even experienced museum experts cannot distinguish them from the original. ? This question worries many of our compatriots. Buying antiques is a good long-term investment, but many people are afraid to invest in antiques because they doubt their authenticity. Therefore, many private companies began to offer clients professional services for the evaluation of antiques. The income of these organizations is about 100% per annum. To organize such a business, you need to be well versed in antique items or hire experienced appraisers.

Private kindergarten

If you want to organize a profitable small business in Russia, open a private kindergarten. In our country, there are already many more such institutions than state ones. The monthly fee for a child attending a kindergarten is 10,000–20,000 rubles. Accordingly, a group of 30 children will bring 300-600 thousand rubles. If we subtract the cost of food, salaries to staff and rent of premises, there will be approximately 150-300 thousand rubles of net profit. In addition, parents pay an initial contribution of 25-30 thousand rubles. In some private preschool institutions, such a fee is charged annually.

This business has a fast payback. However, it does not require large financial investments. At the start, you will need a certain amount to buy furniture, toys and issue permits. According to experts, the profitability of this business reaches 100% per year. must be in demand and profitable. A private kindergarten fully meets all these requirements.

Chinchilla breeding

This is one of the most promising types of profitable small business. Any person who does not have experience in the field of fur farming can organize such a business. Beginners can organize a small fur farm at home, since chinchillas do not require special conditions content and do not emit any unpleasant odors. Since they are herbivores, they do not require a large start-up capital to breed them. The profitability of an average fur farm for breeding chinchillas can reach 300%.

Finished products are sold in bulk to intermediaries who buy fur and resell it at auctions to large enterprises specializing in tailoring fur products. For one skin, you can get 40-60 dollars. To earn additional income, you can sell breeding chinchillas to other breeders. , you decide. And yet, pay special attention to this profitable and very interesting line of business.

Growing greenery

The profitability of such a business can be increased by reducing costs. For example, you can use stove heating instead of gas. can be easily implemented at home. The most important thing is your hard work and patience.

shoe shine

With the right approach, they can bring good profits. One of them is shoe polish. Many people believe that this is not a very pleasant occupation, since in the past only poor people who could not feed their families were engaged in such a business.

But in our time, everything has changed and now no one cleans shoes manually. In order to open such a profitable business in a crisis, you need small room and special equipment. The cost of one cleaning is $3. If you serve 25 people per day, the monthly revenue will be 2-2.5 thousand dollars. Such a business pays off in 5-6 months. Its profitability reaches 50%. If you cannot understand which business is profitable during a crisis, you can safely adopt this business idea.

Freelance

Which can be implemented on the Internet without leaving home, are simply endless.

Here you can do whatever you want:

• Translation of text from foreign languages;
• web design;
• Seo promotion;
• blogging;
• Copywriting and more.

This question worries many citizens of our country. In fact, everything is very simple. If you have any specific skills, register on one of the freelance exchanges and offer your services. To get good orders, you need to make a portfolio. These are, of course, trifles, but they need to be paid special attention. At first, you can complete inexpensive tasks to increase your rating and get positive reviews. Over time, you will have regular customers who will provide you with work. Nowadays, the most profitable types of business can be found on the Internet, since working on the network does not require large investments and at the same time brings a good stable income.

Self-leveling floors

At the start, you do not need to cover all areas of this area of ​​\u200b\u200bactivity. Start by developing designer floors for office space. This is the most profitable business in a small town. If things go well, other areas can be introduced into the work, for example, floors for country houses, apartments or public spaces. , based on innovative technologies, bring huge profits, so if you have the opportunity to get into floor design, do not miss this opportunity.

Mediation

When answering the question of which business is the most profitable now in Russia, experts primarily single out mediation. Such a business idea is suitable for people who want to earn extra income without leaving their main place of work.

The essence of this business is that you bring the customer to the contractor and receive a certain fee for this. Consider this business idea using the example of a construction company. For the performance of repair or construction work, the master receives a certain amount. Part of the profit is taken by the company that offered the master this job. The scheme of work is very simple - you find qualified employees, advertise on the Internet and in the press, and wait for the client to call. One master earns 10-12 thousand rubles a week. If you hire 8-10 employees and provide them with orders, you can make a good profit. This is the most profitable business out of all other fields of activity, since it does not require any cash investments.

Production of disposable tableware

Interested in what business is the most profitable in Russia? Every year in our country produce disposable tableware for 60 million dollars. Half of the total volume of this production is sold in the capital. Manufacturers of disposable products make huge profits from sales. This is one of the most profitable types of small business.

Related videos Related videos

In order to open such an enterprise, you need a production facility and special equipment. The initial investment will pay off in just a year of work. Profitability of production of disposable plastic tableware reaches 70%. for the manufacture of disposable tableware or not, it's up to you. Experts believe that the crisis is a time of great opportunities for business start-ups, so if you start your business right now, in just a year it will turn into a prosperous, highly profitable enterprise.

Restoration of old furniture

Most developed countries small world and medium business forms the basis of the economy. And it is not surprising, because with minimal costs, a private entrepreneur can receive by no means small profits. But, of course, success largely depends on the area in which you want (and can) work - services, production, transport, trade, etc.

So who earns the most? Forbes magazine tried to answer this question, having compiled a list of the most profitable and promising segments of small business. The rating is based on data on 300 thousand firms and individual entrepreneurs, each area was represented by at least 100 companies. The data was collected by a specialized consulting agency from 2003 to 2011.

As the authors of the rating note, most of the most profitable types of entrepreneurship require excellent vocational training. At the same time, these specialties allow you to work for yourself, not to maintain a staff, and sometimes not even use the office. But there is another side of the coin: the clients of such specialists, as a rule, resort to the services of the same professional. long years, that is, it is very difficult for a beginner to quickly take a worthy position in the market.

So, who got into the business top?

1. Private auditors. Net profit - 16.5%. Audit services are in demand at all times, so the financial crisis has not affected the income of these professionals. In addition, clients usually work with the same auditor (or firm) on a regular basis, so there is little to no promotional costs. And, of course, if you work for yourself, the need to rent an office and pay staff is completely eliminated.

2. Chiropractors, 15.3%. Official medicine does not always recognize the craft of these specialists, but this does not prevent them from receiving a decent income. And those who do not maintain their own office and work on departure at the client's home, moreover, have almost no costs.

3. Specialized clinics, 15%. The most popular are minor surgeries, cosmetic procedures and various examinations. Despite the high cost of maintaining such an institution, the prices for services more than cover all costs.

4. Accounting services, 14,9%. Just like auditors, accountants are needed by everyone and always. Any services of these specialists are quite expensive, however, competition in this area is consistently high.

5. Private dentists, 14.7%. These doctors almost never suffer from a shortage of clients. Many patients become regulars and go to the same dentist for decades; plus, they advise their favorite specialist to friends, relatives, colleagues, and so on. Even without a single advertising line and having rather expensive equipment, the dental office is a profitable enterprise.

6. Tax calculations, 14.7%. Nobody likes to fill out declarations and stand in line at the tax office. On human laziness and earn private tax.

7. Dentist-orthodontist, 14.4%. In Russia, these specialists usually do not work outside the walls of any clinics, but in America, a private orthodontist is a fairly common phenomenon. And the services of such doctors are traditionally expensive: if the client wants a Hollywood smile, he must be willing to pay the appropriate price for it.

8. Law offices, 13.4%. At the same level are the approximate income of all law firms and firms.

9. Small lending, 13.3%. Companies that issue small loans secured by the company's products have become popular during the crisis. Large banks unanimously refused loans to entrepreneurs and demanded that previously issued loans be repaid ahead of schedule, and these firms were ready to issue funds without special requirements and for the right time. For small businesses, this has become a real lifesaver, as profits in manufacturing and trade also began to plummet.

10. Private managers, 12.2%. The financial management service is not very popular in our country, but in the West people trust traders much more than banks and not their own “mattress”. Even retirees are putting their savings into securities, so that managers have a lot of clients, but there are almost no costs: such a specialist can even work from his own sofa.

11. Drilling of oil and gas wells, 12%.

12. Optometrists, spectacle fitters, 11.5%.

13. Leasing of non-residential premises, 11.3%.

14. Real estate appraisal, 11.3%.

15. Leasing of mini-warehouses and storage rooms, 11%.

16. Insurance agencies, 11%.

17. Credit intermediaries, 10.7%.

18. Investment advisors, 10.7%.

19. Speech therapists and audiologists, 10.6%.

20. Private therapists, 10.4%.