Funding money for start-ups: 8 tips on start-up subsidies, employment agencies & loans

Anyone who is self-employed can take advantage of a variety of state aid. My Article on ZEIT ONLINE gives an overview for entrepreneurs.

1. Start-up grant

The start-up subsidy is the successor to Ich-AG. A basic requirement for the granting of the subsidy is a residual entitlement to at least three months of unemployment benefit - as well as taking up a self-employment activity, which is covered by a comprehensive business plan audited by an independent counseling center.

What is paid

An amount equal to the last unemployment benefit I received is then paid - for nine months. In addition, during this time you receive a supplement of 300 euros per month for social security.

If the employment agency extends the application again after nine months, only the surcharge of 300 euros will be paid for a further six months. Advertisement.

How is the start-up grant made?

The start-up subsidy is paid in two phases: for nine months there is a subsidy in the amount of the unemployment benefit last drawn. After that you can Founders get 300 euros for their social security for six more months - but only if they with their Companys Have generated revenue.

All those who would have received at least 90 days of unemployment benefit I have been entitled to the start-up grant.

2. Einstiegsgeld

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Anyone who received unemployment benefit II before they were founded receives the so-called entry allowance. The employment advisor decides on the approval. The amount is calculated according to the monthly standard unemployment benefit II. The self-employed can also apply for supplementary unemployment benefit II.

Who gets unemployment benefit II (Hartz IV), can also be promoted as a business founder - with the entrance fee. The purpose of the entry fee is not, however, to promote self-employment. It is intended to help recipients of ALG II take the step out of long-term unemployment into self-employment. The entry fee is paid in addition to the unemployment benefit II.

3. Supplementary unemployment benefit II

Anyone who is already self-employed but does not earn enough to live on can receive supplementary unemployment benefit II in the amount of the normal ALG II rate. How much "not enough" is, however, can only be roughly said: the exact value depends on the actual rental and heating costs and the personal allowances. As a guideline, the income limit below which the self-employed can receive supplementary Alg II is around EUR 950 for single people in western Germany and EUR 1.600 for a couple with one child in eastern Germany. However, applicants are only allowed very little assets have in the bank.

All income is also counted towards the unemployment benefit. Whose life partner earns too much usually does not receive any subsidy. And only those who can prove that the additional help is only temporary and that self-employment actually secures a livelihood Income is generated is largely exempt from the obligations of normal ALG II recipients.

4. Application for start-up coaching

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In the first five years, founders can apply for a grant for advice. To be paid, depending on the region, 50 to 75 percent of the consulting fee. The maximum is 6000 Euro. The daily fee for the consultant will be a maximum of 800 Euro.

The founders make their application to their competent chamber of commerce and industry, chamber of trade or economic promotion. More information is available at.

5. Master BAföG

In many craft trades, it is an advantage as a self-employed person to have a master's degree. In other areas, professional further qualification is at least useful. Anyone before founding a relevant Further Training want to do, can apply for master BAföG.

It is partly paid as a subsidy and partly as a low-interest loan. For a full-time course, you get up to 614 Euro per month, consisting of 230 Euro allowance and 384 Euro loans. Married get even up to 829 Euro. For each child, your loan share increases by 179 Euro. The loan remains free of interest and repayment for up to six years. Thereafter, funding must be repaid within ten years with monthly installments of at least 128 Euro.

6. Education check

Education checks, which are paid to entrepreneurs for further training in Mecklenburg-Western Pomerania or North Rhine-Westphalia, for example, are regionally limited. Apply for the education check Boy Companies that have not been self-employed for more than five years.

50 percent of the proven participation and examination fees are subsidized - but only a maximum of 500 euros per educational check. For example, language and IT courses or key qualifications such as rhetoric or Time management.

7. Student start-up grants

There are also special subsidies for university graduates willing to start a business. However, some of these are limited to specific target groups only. Thus, the state of Mecklenburg-Vorpommern promotes technology-oriented start-ups from universities:

Pay for a maximum of 18 months of living allowance between 1000 and 1200 Euro a month. There is also a special program in Saxony, and the Federal Ministry of Economics and Technology in cooperation with Forschungszentrum Jülich also promotes innovative start-ups from universities and research institutions.

8. Help with credit

It is currently difficult for start-ups to take out a loan, but there is help here too, for example the KfW StartGeld program for entrepreneurs who have been on the market for less than three years. It releases the house bank 80 percent from liability.

Numerous guarantee banks also offer the “Guarantee without a bank - BoB” program. Borrowers can contact the guarantee bank directly to apply for a guarantee. This checks the business plan and, if the assessment is positive, usually offers a loan guarantee for 60 and 80 percent of the loan amount.

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