Auto-entrepreneurs must now have an account dedicated to their auto business. However, this is not always easy. Read more
The creation of the status of self-entrepreneur in 2008, was a success, indeed, many entrepreneurs hesitant to start a business could skip the step. This status makes it easier for entrepreneurs to start a business. However, since 2015 regulations have evolved, now self-entrepreneurs must have an account dedicated to their self-organization.
Limiting turnover related to auto-entrepreneur status can make it difficult to obtain credit for auto-entrepreneurs. Indeed, for a commercial enterprise, the maximum turnover of a self-enterprise will be € 82,200, while for non-commercial activities, the limitation will be € 32,900. As soon as the turnover limit is reached, the auto entrepreneur will have to create a new company with a new status.
Despite this, to obtain financing for his business, the auto-entrepreneur has many opportunities.
The bank loan
Many banks offer credit for auto-entrepreneurs. However, before contacting the banks, to put the odds on your side, you must prepare.
Surely, the banker will want to know what are your projections for the development of your activity. Thus, you will have a business plan that you will present. The banker will also pay special attention to your personal contribution. Because, with a personal contribution, you show him that you believe enough in your project to invest financially.
In addition, be aware that to facilitate your bank loan, the banker may require that you provide a guarantee for the funds granted. If you personally do not have the funds to guarantee your loan, think about the agencies specializing in bonding. We advise you to start by asking your banker, having your banking history, he can better defend your project.
The professional microcredit
When the banking institutions are reluctant to grant you a loan, do not be discouraged, solicit. This organization can offer you a professional microcredit with a maximum value of € 10,000.
Note that if you need it, you can assist you in the construction of your project, especially for writing your business plan. It is this business plan that will be brought before the commission in charge of granting microcredit. It is on the basis of the elements of this business plan that the commission will rely to decide to grant you the financing.
Also know that we will be able to offer you mixed financing. For example, for a microcredit of € 10,000, it will be able to create a financial package composed of both a conventional loan; and a loan on the honor (without interest).
Aid granted to self-entrepreneurs
Despite the precarious situation, the unemployed or those benefiting from the RSA can benefit from aids to create a self-enterprise. For that, they will be able to contact in particular the employment pole, or the CAF.
Finally, today, self-entrepreneurs are considered as full-fledged business owners. Thus, they can benefit from financing, as long as they invest in the process of setting up their business like all other entrepreneurs. For many entrepreneurs, self-employment status is only one step.