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🕒 Lecture 3 mn

Que l’on soit retraité, victime d’un licenciement ou que l’on veuille prendre son envol, les raisons d’entreprendre à 50 ans ou plus sont variables. Avec 1 créateur d’entreprise sur 5 qui est au moins quinquagénaire, les chiffres parlent d’eux-mêmes. Comment réussir son lancement quand on est sénior ?

Se faire accompagner

L’un des premières clés de la réussite est l’accompagnement. Bien que les séniors aient souvent une riche expérience derrière eux, certains ont des difficultés à en prendre conscience et beaucoup ont perdu leur confiance en eux.
Pour faire le point et être sûr de prendre le bon chemin, le bilan de compétences est utile. Le conseiller vous aide lors d’entretiens et à partir de tests à mettre en avant votre savoir-faire et votre savoir-être. Il vous fait prendre conscience de tout ce que vous avez fait au fil de votre carrière, et vous serez sans doute étonné de l’ampleur de vos compétences. Ce bilan est également l’occasion de découvrir vos forces et de valider un projet. À faire sans modération donc !
Certains salons professionnels ou associations proposent également d’accompagner les séniors dans leurs démarches. On y rencontre des hommes et des femmes qui ont osé franchir le pas et qui n’hésiteront pas à partager avec vous leurs conseils et leurs expériences. Conscientes de la réalité de terrain et des difficultés à créer une entreprise à 50 ans ou plus, ces passionnés vous dirigent sans vous juger pour vous aider à valoriser votre propre potentiel.

Se connaître pour réussir

En France, la majorité des séniors entreprend dans le secteur des services aux entreprises, du commerce de détail ou de la construction. Après des années d’expérience, les connaissances et le savoir-faire sont au rendez-vous, et la crédibilité face aux clients ne fait plus de doute.
Mais pour éviter de faire fausse route, il est recommandé de créer son entreprise dans un domaine que l’on connaît bien et où notre expertise aura une vraie valeur ajoutée. Tout recommencer quand on n’a pas encore l’âge de la retraite est une expérience formidable pour peu que l’on sache capitaliser ses expériences et en faire une force. Se connaître, maîtriser un marché et ses codes, avoir un réseau…autant d’atouts qui seront garants de votre réussite.
Aussi, pour ceux qui bénéficient déjà d’une pension de retraite ou qui ne recherchent qu’un petit complément financier, le champ des possibles est plus large. Ils pourront alors se lancer dans un tout autre domaine et se montrer davantage créatifs, puisque le risque financier est moindre.

Les aides ?

Comme tout demandeur d’emploi, ceux qui sont âgés de 50 ans ou plus peuvent obtenir des aides de Pôle Emploi, s’ils n’ont pas encore atteint l’âge légal de départ à la retraite.
La première d’entre elles est l’ARE (Aide au Retour à l’Emploi) et consiste en un maintien des allocations chômage en complément des revenus d’entrepreneur. Bonne nouvelle ! Ce dispositif peut être maintenu tant que vous n’avez pas atteint la retraite à taux plein, alors que pour un créateur d’entreprise classique, la durée maximum est de 24 mois. Le maintien des allocations chômage sera donc être valable 36 mois pour les séniors. À noter que si l’entrepreneur tire des revenus de sa nouvelle activité, les jours qui ne sont pas indemnisés ne seront pas perdus, mais repousseront juste la date de fin de droits.
Le second dispositif est l’ACCRE, qui permet de recevoir la moitié de ses indemnités brutes sous forme de capital. L’avantage est que vous avez directement une somme d’argent à votre disposition pour lancer votre affaire. Avec cette solution, vous n’aurez cependant plus d’indemnités mensuelles et devrez gérer vos dépenses pour ne pas tout dépenser trop vite.
Quand on a plus de 50 ans et que l’on veut accomplir ses rêves d’entreprise, rien de tel que de bien s’entourer et de connaître les aides disponibles. En effet, comme chaque entrepreneur, qu’il ait 30, 40, 50 ans ou plus, se faire accompagner et être conscient de ses propres atouts est plus que nécessaire.