Freelance work is gaining popularity in France, offering freedom but also financial risks. To support self-employed individuals, the government provides various aids, including the Aid for Business Creators and Buyers (ACRE), which offers social contribution waivers for the first year. Additional benefits include ARE for unemployed individuals, an activity bonus for low-income earners, and regional support initiatives for business creation. Disabled entrepreneurs can access AGEFIPH aids, while local authorities also offer financial assistance to foster entrepreneurship.
The allure of freedom and flexibility makes freelance work increasingly appealing to individuals in France each year. Yet, with this independence comes the weight of financial obligations, which can lead to economic vulnerability. Fortunately, for those embarking on the self-employment path, a range of targeted support options is available. One of the primary aids is the Aid for Business Creators and Buyers (ACRE).
This government initiative provides a temporary waiver of social contributions—including health, maternity, retirement, and family allowances—for the first year of operation. If your income remains below 34,776 euros, you can enjoy a full exemption, while those earning between 34,776 and 46,368 euros receive a partial exemption. To qualify for ACRE as a micro-entrepreneur, you must meet certain criteria, such as receiving unemployment benefits (ARE), being a long-term unemployed individual, or having a specific solidarity allowance (ASS). Detailed conditions and application procedures are available on the Service-Public.fr website.
ARE and ARCE Benefits
For aspiring entrepreneurs, applying for ARE (Return to Employment Allowance) can be beneficial. This allowance, provided by France Travail, serves as a substitute income for registered job seekers facing involuntary unemployment, given that specific conditions are met. Furthermore, you can combine your business earnings with ARE, provided you keep France Travail informed of your status and update them monthly.
Activity Bonus and Regional Initiatives
Self-employed individuals can also take advantage of the activity bonus. To qualify, applicants must be of legal age, not reside abroad for over three months annually, and adhere to income limits. For a self-employed person, the bonus starts at a flat rate of 595.25 euros for singles, with an additional 61% based on the household’s professional income.
Since 2017, each region has implemented its own business creation support scheme (previously known as Nacre). These programs may provide assistance with project initiation, financial structuring, and ongoing business development support. Eligibility criteria and application processes differ by region, and you can find comprehensive information about available support schemes on the Bpifrance website.
Support for Disabled Entrepreneurs
Individuals with disabilities are eligible for AGEFIPH aids (Association for the Management of Funds for the Professional Integration of Disabled Persons). To qualify for a one-time grant of 6,300 euros for starting a micro-enterprise, applicants must be recognized as disabled, engage in a compatible activity, and register with France Travail, contributing a personal amount of at least 1,500 euros.
Moreover, freelancers can explore regional and local financial assistance, as numerous local authorities offer grants, low-interest loans, and tax incentives to promote business creation, particularly in rural areas. For more information, you can visit the website of your chamber of commerce and industry (CCI) or your regional council.