Micro-enterprise: what financial aid can you apply for?

Micro-entrepreneurs can benefit from numerous financial aid. ACRE, ARE, ARCE, VAT exemption, aid for obtaining bank credit, regional public subsidies… Here is everything you need to know.

Aid for starting a micro enterprise

In France, the self-employed can apply for various aid when the creation of their micro-enterpriseto start with assistance to business creators and acquisitions (ACRE). This is made up of a partial and decreasing exemption from social security contributions for 1 year. Furthermore, the creation of a micro enterprise does not require the waiver of the work assistance allowance (ARE). it is also possible receive unemployment benefit, paid monthly, in the form of a lump sum, paid on the day of creation of the business. There is also talk of aid for takeover or business creation (ARCE).

So are the micro-entrepreneurs at the beginning exempt from property tax companies (CFE) for the first year of activity. As for people with disabilities who wish to set up a business, they can approach theAssociation that manages the fund for the integration of people with disabilities (AGEFIPH) in order to benefit, under conditions, from flat-rate aid to the extent of € 5,000.

VAT exemption and regional public aid

If they wish, micro-entrepreneurs can take advantage of it the VAT-based deductible exempting the operators concerned from the declaration and payment of the tax. To do this, their turnover excluding taxes must not exceed € 82,800 for commercial and hospitality activities e 33,200 euros for service activities and freelance professions falling within the BNCs and BICs.

Depending on where they live and their projects, entrepreneurs can receive public aid from the regional council, department, associations or other actors.

Maternity leave for female entrepreneurs

Business women who are pregnant or in the process of having a baby through adoption have recently benefited the same rights of employees as they are bound by the general social security system. They can in fact take maternity leave including antenatal leave (before the expected date of delivery), which varies from 2 to 24 weeks according to different criteria (premature birth, difficult or pathological pregnancy, multiple births, etc.), as well aspostnatal leave (postpartum), which ranges from 6 to 22 weeks for the same reasons. In terms of compensation, it is possible combine the flat-rate maternal rest allowance and the daily allowance.

Generally, women entrepreneurs were granted more rights in recent years. For example, the Women’s Equality Guarantee allows job seekers or women in precarious situations to do soeasier access to bank loans in order to finance the creation, acquisition or development of your business. Competitions or prizes are also reserved for them every year, with the aim of highlighting innovative or significant projects.

Assistance in obtaining a bank loan

It is clear that entrepreneurs are still struggling to get a loan from their bank. There are now other options for finance an activityhow loans of honor at 0% interest without guarantee or personal guarantee (up to € 50,000). These are granted by non-profit associations (Initiative France, BPI France and Réseau Entreprendre). it is also possible request a microcredit from ADIE (Association for the Right to Economic Initiative) or other entities (up to 10,000 euros).

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