You have a project and are ready to start your business. Everything is ready except one thing: your start-up capital. Fortunately, you don’t have to finance the launch of your business alone. Indeed, there are many aids to support you financially and benefit from tax reductions at the beginning of your activity. These aids also apply when you want to open a self-business at home .

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ACRE

Created in 2007, the aid for setting up or taking over a business allows you to benefit from a partial exemption from social security charges during the first few years of activity. The exemption applies to sickness, maternity, disability and death insurance, family benefits and basic old age insurance.

If you are a self-employed person covered by the micro social regime and you belong to one of these categories, you are eligible for the ACRE:

  • Jobseeker receiving compensation.
  • Jobseeker not entitled to compensation and registered with the employment office for at least 6 months during the last 18 months.
  • Beneficiary of the ASS (allocation de solidarite spécifique) or the RSA (Revenu de solidarite active).
  • Must be between 18 and 26 years old.
  • Be under 30 years of age and have a recognized disability.
  • Person under 30 years of age who is not entitled to compensation because he/she does not meet the condition of having worked for a certain period of time before being entitled to unemployment insurance benefits.
  • Employee or redundant person taking over their company under safeguard, recovery or judicial liquidation.
  • Person who has concluded a business project support contract (Cape).
  • Create or take over a business located in a priority city district (QPV).
  • Benefit from the shared child education benefit (PreParE).
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Self-employed workers who are not covered by the micro social regime and replacement doctors who do not opt for the simplified regime can also benefit from the ACRE.

To obtain the ACRE, you need to fill in a form and send it to the Urssaf , either when you submit your creation (or takeover) file, or within (45) days of this submission .

We would like to point out that a change in the place of work, a change in the conditions of work, and the resumption of activity during the year in which the cessation of activity took place are not eligible for the ACRE.

The amount of the exemption will depend on your activity income. In 2020, the exemption from social security contributions is total if your income is less than 30,852EUR. This represents about 75% of the total contributions. Above 41,136EUR of income, you are no longer eligible for the exemption. Between these two levels, you benefit from a 50% reduction in your social security contributions.

ARCE

L’aide a la reprise ou a la création d’entreprise, est une aide versee par Pole emploi, et permet de recevoir ses allocations chomage sous la forme de capital lorsque l’on crea ou reprend une entreprise.

To qualify, you must either :

  • To be a job seeker receiving the ARE (allocation d’aide au retour a l’emploi).
  • Be a job seeker without receiving the ARE, but be eligible.
  • Being made redundant, taking steps to find a company during the notice period, the redeployment leave, or the mobility leave and being eligible for the ARE.

The amount of the ARCE corresponds to 45% of the amount of the ARE rights remaining to be paid at the time of the launch of the entrepreneurial activity. This amount is subject to a 3% deduction for the financing of supplementary pensions.

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Please note that once you receive the ARCE, your ARE rights are cancelled.

NACRE

The new support for the creation or takeover of a business allows you to benefit from aid in setting up and financing an entrepreneurial project for 3 years. It is made up of 3 parts:

  • Help in setting up : this is technical assistance to create a solid file to present to potential investors.
  • Help with financing : you can benefit from a loan at zero rate and without guarantee, from 1. 000 to 8. 000EUR over 5 years.
  • Accompaniment : you are accompanied during 3 years by a technical support.

To benefit from the NACRE aid, you must :

  • Be a jobseeker receiving the ARE or the ASP, or not receiving compensation and registered for at least 6 months out of the last 18 months.
  • Be between 18 and 25 years old. If recognized as disabled, be under 30 years old.
  • Be a recipient of the RSA or ASS.
  • Create or take over a business located in a priority city district (QPV).
  • Employees who take over their company under safeguard, recovery or judicial liquidation.