10 financial aids to launch your application
Before embarking on the great adventure of developing your application, it is important to inform yourself about the assistance and financing to which you are entitled. Forget preconceived ideas, the bank is not the only solution to finance your start-up.
- THE ACRE
- L’ARE
- THE ARCE
- MOTHER-OF-PEARL
- The honor loan
- Microcredit
- The CIR
- CFE exemption
- At the ACTIV’CREA training
- Crowdfunding / participatory financing
10 aids to finance your application!
1. THE ACRE
The ACRE system is an exemption from social security contributions for everyone, this is what is called aid for business creators and buyers (distributed by Pôle Emploi).
The ACRE can be a significant help in setting up your business, since it allows you, under certain conditions, to benefit from an exemption from charges for a period of one year . In addition, the ACRE also allows you to obtain support during the first years of activity.
To benefit from it, it is imperative to make your request as soon as your project is created or within the following 45 days . However, it is important to note that the ACRE is subject to conditions for micro-entrepreneurs .
More information on ACRE .
2. L’ARE
ARE is also assistance provided by Pôle Emploi allowing you to keep part of your unemployment benefits .
This is what we call unemployment benefit or return-to-work assistance since it allows job seekers who create a business to benefit from the partial maintenance of their unemployment benefits. All paid by Unemployment Insurance .
Here too it is important to emphasize that the amount of the return to work assistance allowance is made up of a fixed part (equal to €12 per day ) and a variable part ( 40.4% of the reference daily salary). It is regulated and is calculated based on previous salaries including bonuses received. Thus, severance pay, severance pay and compensatory leave pay are not taken into account in the calculation of the ARE.
More information on ARE .
3. THE ARCE
Investing money up front for your app development is often difficult.
Thanks to the Assistance for the resumption or creation of a business ( ARCE ), this task may seem a little less complicated to you since it allows you to receive 45% of the amount of your remaining unemployment benefits in two installments. However, to benefit from the ARCE, the business creator must also be authorized to benefit from the ACRE. However, the ARCE and the ACRE cannot be combined.
In short, you retain the benefit of unemployment benefits not paid under the ARCE. Thus, they will be granted to you in the form of ARE if you cease your activity.
More information on ARCE .
4. MOTHER-OF-PEARL
This is what we call the new support for business creation and takeover set up in 2009.
It is accessible on request and under conditions, to certain business creators and in particular job seekers , those under 26 and those receiving minimum social benefits .
Valuable support allowing you to be supported by an organization with your business plan or even your financing plan .
In fact, the NACRE is carried out over a 3-year course while being broken down into 3 main areas : assistance with setting up the project , assistance with financial structuring as well as support for the start-up and development of the company.
All this while also allowing you to access a zero-rate loan .
More information on NACRE .
5. The honor loan
Having a loan application refused due to lack of contribution is often a source of anxiety for the project creator.
An uncomfortable situation that the honor loan is likely to alleviate. Indeed, it is financial aid to supplement one’s contributions.
Without interest and guarantees on your own assets, this system allows you to obtain a zero-rate loan called a personal loan.
This assistance can be very useful despite the fact that it must be reimbursed by the business creator in person.
More information on the honor loan .
6. Microcredit
Comparable to the state-guaranteed student loan, microcredit is also a great financial aid for small entrepreneurs . However, unlike the honor loan, microcredit is not a 0% interest loan ( 7.5% in the case of Adie ). In addition, it must be guaranteed up to 50% of the amount loaned .
This is what is called a low-rate loan guaranteed in part by the State and by the lending institution. Its amount is between €300 and €5,000 (€12,000 in some cases) and must be repaid within a maximum period of 5 years.
Also note that a person close to the beneficiary must therefore act as guarantor.
