Rescheduling of credits and emergency loans, individual call from each of the 50,000 client entrepreneurs to maintain the link and help them access their rights …Adie (Association for the right to economic initiative) has taken stock of the difficulties encountered by business leaders in its network.
“The second confinement is more contrasted than the first. Some of our clients are heavily affected, financially and psychologically ”, underlines Frédéric Lavenir, president of this association for financing and supporting business creators. To best support these entrepreneurs weakened by a complicated 2020, but also to encourage young creators who have chosen to get started in this context: this is the double mission that the association has set itself for this end of the year. It has now entered the phase of financing the recovery.
Help to face social and fiscal deadlines
To meet the needs of entrepreneurs already in activity, the association offers two products: an honor loan without guarantee or interest, and with a deferred repayment, granted for an amount of 6,000 euros maximum, and a microcredit of up to 10,000 euros.
“Financing the recovery means paying tax and social debts, allowing entrepreneurs to replenish their stocks and financing the restart period: customers do not come back overnight”, details Frédéric Lavenir.
The president of Adie underlines the resilience of the 50,000 entrepreneurs supported by the association. And believes that they have a sizeable asset for navigating the “next world”: proximity. “It was a trend already visible before the Covid, the development of short circuits, the need for local services… Our customers are all entrepreneurs rooted in local life. “
Give a boost to business creators
The new generation of business creators may already be on the move. Between July and September 2020, the number of businesses created is up 21.5% compared to the same period in 2019, according to INSEE. Catching-up effect after the trough observed in the spring, but also the continuity of a dynamic, that of 2019, a record year for the creation of companies. Adie, in addition to providing its usual support services, is campaigning for the public authorities to take up the specific case of creators and young companies, and set up a financial boost.
“Facilitating business creation also means helping those who are starting from nothing, young people who do not have RSA, people with low incomes, but also those who are in the informal sector. “ Many of them have started a transition to declared work this year, an approach that is often complicated, but which benefits society as a whole, as the president of Adie underlines. “The return to a formalized situation has a very strong inclusive effect: it improves the personal status of these people: they pay taxes and have access to development prospects that do not exist in the informal sector”, concludes Frédéric Lavenir.