SEPE self-employment help: unemployment capitalisation and compatibility
If you’re starting as an autónomo or joining a cooperative and you still get unemployment, you can ask SEPE for the one-off payment (capitalizar) or ask to keep receiving the benefit while you start. It helps pay for investment or RETA contributions so you don’t drown on day one.
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- 1.Go to sede.sepe.gob.es with Cl@ve, certificado digital or DNIe and search “Pago único de la prestación por desempleo (capitalización)” or “Compatibilidad del paro con trabajo por cuenta propia”.
- 2.Fill in the online application: pick the option (100% for investment, only Social Security contributions, or mixed) and upload the memoria and quotes/proforma invoices.
- 3.Send the application before you start the activity. Wait for the resolution; they’ll notify you on the sede or by electronic notification if you have it enabled.
- 4.If they grant capitalisation: within the period they give you (usually 1 month) register on RETA at importass.seg-social.es and on the Censo (Modelo 036/037) at sede.agenciatributaria.gob.es.
- 5.Justify how the money was used: upload final invoices, proof of payment and the RETA and AEAT registration certificates to sede.sepe.gob.es. Keep everything like it’s gold.
- 6.If you prefer compatibility (keep the monthly benefit while you register as autónomo): register and, within 15 days from starting activity, submit the compatibilidad request on sede.sepe.gob.es.
- 7.Check the file on the SEPE sede and answer any requerimientos. If they ask for corrections (subsanar), upload them in the “Aportar documentación” section of that same expediente.
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