Aid directed to pre-start -up and start - up companies by Enterprise Agency, Jyväskylä Region

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1 Aid directed to pre-start -up and start - up companies by Enterprise Agency, Jyväskylä Region February 3, 2015 Hanna Ojanperä, Business Advisor Enterprise Agency, Jyväskylä Region

2 Finnish Enterprise Agencies Network in Finland Promotes entrepreneurship Helps to create over new enterprises every year Has 80 offices all over Finland Stimulates local involvement and co-operation Transfers knowledge and experiences from an old entrepreneur to a new one Is the most cost-benefit enterprise advisory network in Finland Promotes Corporate Social Responsibility by activating firms to participate

3 Finnish Enterprise Agencies model In addition to the guidance by a business advisor, the customer will have advices from experts, who are either entrepreneurs or specialists Network of experts is a strenght of the Enterprise Agencies Co-operation model customers Enterprise Agency network of experts advices, guidance finance co-operat. Involvem. experience knowledge, facts private sector, state, municipalities local org. and schools

4 Services of Enterprise Agency Evaluting/developing business idea Helping creating business plan Calculations Personal skills and competence Financing Taxation Technical issues concerning starting up a business Form of business Statements

5 The goal of advisory process is to develop entrepreneurial skills of a candidate and coaching to profitable business

6 Start-up Business advisory at Enterprise Agencies according to the quality system 1. Booking a meeting Meeting in 2 weeks from contact Sending Entrepreneur in Finland- guide to customer Initial business plan 2. Meeting Evaluating business idea and business skils of the candidate Duration about 1,5 2 hours Setting the followup procedures 3. Tools Guide Becoming an Entrepreneur in Finland (in 11 languages) Business plan + calculations models Statistisc of different industries 4. Experts During advisory process and after establishing an enterprise Member organisations/ experts Feedback from experts 5. Conclusions and statements Giving up on Business idea Developing Business idea Establishing an enterprise Start-up grant statement Other statements 6. Follow up Business consultation for Start up grant extension applicants + statement Recognition of growth potential of enterprises and shift of customership

7 Enterprise Agency, Jyväskylä region member organisations 2015 Administer Oy Asianajotoimisto Bützow Oy Barikki Oy Castelberg Oy Clients` Finland Oy Crazy Town Oy Elisa Oyj Etula Group Oy Finnvera Oyj GoGroup Oy Growth Invest Finland Oy KESKO Hankasalmen kunta Innovanhapelto Oy If Vahinkovakuutusyhtiö Oy Joinia Oy JPeco Oy Jykes Kiinteistöt Oy Jyväskylän Ammattikorkeakoulu Oy Jyväskylän Koulutuskuntayhtymä Jyväskylän seudun kehittämisyhtiö Jykes Oy Jyväskylän työ- ja elinkeinotoimisto Jyväskylän yliopisto Keskimaa Osk Keskisuomalainen Oyj Keski-Suomen kauppakamari Keski-Suomen Liikepalvelu Oy Keski-Suomen Osuuspankki Keski-Suomen Yrittäjät ry Kiinteistöt LKV Pekka Saarinen Ky KPMG Oy Ab Larsen & Kolehmainen Accounting Oy Ltd Mainostoimisto Aava & Bang Oy Mediatoimisto Almond Oy Nordea Pankki Suomi Oyj Pardco Group Oy Petäjäveden kunta Pohjola Vakuutus PRH Rastor Oy Redesan Oy RP-TILI Ky Sovatek säätiö Suomen Perintätoimisto Oy Suomen Pienyrittäjäin Mainostoimisto Oy Suomen Yrityskehitys Oy Suur-Jyväskylän Lehti Oy Säästöpankki Optia Talenom Tapiola-ryhmä Terveyspalvelu Visita Tilitoimisto TietoAkseli Oy Tilitoimisto RM Oy TK-Style Oy Toivakan kunta Trust Perintätoimisto Oy Tuhansien Järvien Nuorkauppakamari ry Vapo oy Yrityspalvelu AvainFacta Oy

8 Statistics of Enterprise Agency New Business ideas New customers Customer appointments New enterprises New jobs Statemets start-up grant statements start-up grant continuation statements Finnvera statements

9 Enterprise Agency, Jyväskylä Region (Tuhansien Järvien Uusyrityskeskus ry) Operating region consists of municipalities: Jyväskylä, Muurame, Hankasalmi, Laukaa, Petäjävesi, Toivakka and Uurainen CEO and 4 business advisors Office located in Yritystehdas, Vapaudenkatu 25

10 Jyväskylä Business and Innovation Factory (Yritystehdas) offers Consultation and advisory services for starting your own business (free of charge) Entrepreneurship and start-up events and occasions Knowhow and tips for start-ups Possibility to organize entrepreneurial events in Juomatehdas (facilities) Actors of the Yritystehdas are: Jyväskylän koulutuskuntayhtymä, Jyväskylän ammattikorkeakoulu, Jyväskylän yliopisto, Tuhansien Järvien Uusyrityskekus ry, TE-toimisto, Jyväskylän seudun kehittämisyhtiö Jykes Oy ja Suomen Yrityskehitys Oy

11 Checklist for an new entrepreneur 1. Business idea Plan your business idea precisely and get help from experts. 2. Personal qualities and professional skills Are you independent and ambitious Do you cope well with stress? Do you have sufficient professional skills and expert knowledge to operate as an entrepreneur? How does your family feel towards starting up a new business.

12 Checklist for an new entrepreneur 3. Personal network Do you have reliable experts in your network to help you in the beginning of your business and during the first years? 4. Planning and profitability Examine through your budget and financing and try out different alternatives and costs. Define your break even point where your income and your costs are equal. Think how you can control your business even in the worst case scenario. 5. Financing and bank To start-up a business you need funding. Normally an entrepreneur has two options, either finance funding by himself or arrange loan financing from a bank or from Finnvera.

13 Checklist for an new entrepreneur 6. Right form of enterprise Taking risks is common. How you protect your personal property from the risks? Or are you willing to risk your property? Do you have business partners in your company? 7. Right timing, competitive situation and marketing Do you know the competitive situation of the field of business? Only you can sell your business idea, service or product to the customers. Do you have experience in marketing? Do you know your potential customers? Write a marketing plan of your marketing actions.

14 Checklist for an new entrepreneur 8. Accounting and follow up According to the Finnish Accounting Act, all businesses have a legal obligation to keep accounts. Using accounting experts and outsourcing bookkeeping is recommended. A accounting firm will charge for their services, but you will have a proper documentation of your accounts. 9. Binding agreements Before signing an agreement, establish precisely what you are committing yourself to and what will ensue from it. What are possible consequences of dissolving a contract? Always prepare a written contract on matters that concern your business. 10. Insurances and assessing risks What forms of insurance your business and you need, both mandatory and voluntary.

15 Start-up Grant An entrepreneur candidate should contact TE-services to find out if his of her personal situation allows him to have a start-up grant. Requirements of start-up grant Full-time entrepreneurship Business is not seasonal Business is able to operate profitable Grant is not affecting competition in the field of business The business s operations have not been started before a decision has been made on granting support

16 Start-up grant Start-up grant is personal income for an new entrepreneur to help cover his/her living costs. It is granted for a period of 6 months, max. 18 months First 6 months, around 900 / month and around 700 / month, after that It can be granted to several entrepreneurs who are working in the same start-up business.

17 Contact information Enterprise Agency, Jyväskylä Customer service Contact form: