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« Aide-toi et le ciel t’aidera !» En matière de création d’entreprise individuelle, les bonnes adresses se comptent sur les doigts des deux mains. Une fois bouclé son business plan, l’auto-entrepreneur doit donc en priorité compter sur son apport personnel pour séduire d’autres financeurs. À commencer par les établissements bancaires, qui prêtent d’autant plus volontiers que le capital propre du porteur de projet est élevé.
Sachez que le Prêt à la création d’entreprise (PCE) d’Oséo, d’un montant de 2000 à 7000 euros, est accessible en complément d’un prêt bancaire classique. D’autres formes de financement plus aléatoires à obtenir sont possibles lorsqu’on se lance dans l’aventure de la création. Notamment les financements privés tels que business angels, fonds d’investissement de proximité… ou encore des aides diverses : Accre, prêt d’honneur, Eden…
Comme les autres créateurs, les auto-entrepreneurs peuvent également se tourner vers l’Adie et son système de micro-crédits. À étudier attentivement avant de sauter le pas.
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