Who does what in 2026
The rules have changed several times since 2020: the agency's name, the age limits, the personal contribution, the role of CNAC. This guide follows the version in force on 30 October 2026, checked in the Official Journal. The table sums up the three schemes.
| Scheme | For whom | Ceiling | Funding |
|---|---|---|---|
| ANADE | Ages 18 to 55, diploma, qualification or know-how, no earlier aid | Investment up to 10,000,000 DA | Contribution + interest-free loan + bank loan, or contribution + loan without a bank |
| ANGEM | Aged 18 or over, no income or small unstable income | 1,000,000 DA (startup), 100,000 DA (raw materials) | 1% contribution + 29% loan + 70% bank loan, or a 100% loan for raw materials |
| CNAC | Unemployed promoters aged 30 to 55 already funded | New files: see ANADE | Follow-up and repayment of loans already granted |
ANADE: the conditions
To get ANADE support for a new business, you must meet all the following conditions when you set it up:
- be aged 18 to 55;
- hold a diploma or a vocational qualification, or know-how recognised by a certificate or another professional document;
- put in the minimum personal contribution set for your case (table below);
- never have received business creation aid before.
You can carry the project alone, with others or as a group. ANADE provides free technical assistance, advice, support and follow-up, and offers training.
ANADE: how the funding is split
There are two formulas. Three-way funding combines your contribution, an interest-free loan from ANADE (to be repaid) and a bank loan. Mixed funding does without the bank: your contribution and the ANADE loan each cover half. The percentages apply to a startup or expansion investment of up to 10 million DA.
| Your situation | Personal contribution | ANADE interest-free loan | Bank loan |
|---|---|---|---|
| General case | 15% | 15% | 70% |
| Specific areas and High Plateaus | 12% | 18% | 70% |
| Southern regions | 10% | 20% | 70% |
| Student with a business idea, young unemployed project holder | 5% | 25% | 70% |
| Mixed funding, no bank | 50% | 50% | None |
Fictitious example for a 4,000,000 DA workshop. In the general case, you put in 600,000 DA, ANADE lends 600,000 DA and the bank 2,800,000 DA. If you are a student with a business idea, your contribution falls to 200,000 DA and the ANADE loan rises to 1,000,000 DA; the bank loan stays at 2,800,000 DA.
- An extra interest-free loan of up to 500,000 DA can pay the rent of the premises, for a business producing goods or services with bank funding from the start. Non-sedentary businesses are excluded.
- In exceptional cases, an interest-free operating loan of up to 1,000,000 DA can be added.
- A bonus of up to 10% of the investment cost rewards the project's technology content and its impact on the local or national economy.
- The bank has two months at most to process the loan file, and grants an 18-month grace period on capital repayments, except for Islamic finance.
- You get an interest subsidy on the bank loan, which the law authorises the Treasury to pay; ask the agency and the bank which rate applies to your file.
ANGEM: microcredit
The national microcredit management agency (ANGEM) lends to people with no income, or with low, unstable and irregular income, to start a production, service or trading business, including from home. One person sets up the business, which can run without commercial or professional premises. The conditions:
- be aged 18 or over;
- have no income, or small, unstable and irregular income;
- have a fixed residence;
- have know-how related to the business;
- never have received other business creation aid;
- put in the required personal contribution.
| Formula | Ceiling | Personal contribution | ANGEM interest-free loan | Bank loan |
|---|---|---|---|---|
| Buying raw materials | 100,000 DA, 250,000 DA in ten southern wilayas | None | 100% of the cost | None |
| Starting a business (small equipment and starting raw materials) | 1,000,000 DA total cost | 1% | 29% | 70% |
For the bank loan, you join the microcredit mutual guarantee fund, which guarantees the loan to the bank. You get a three-year grace period on capital and one year on interest, plus an interest subsidy. Once the first loan is repaid in full, you can apply for a new interest-free loan, for raw materials or for a new business. The ten southern wilayas named in the text are Adrar, Béchar, Tindouf, Biskra, El Oued, Ouargla, Ghardaïa, Laghouat, Illizi and Tamanrasset.
CNAC: what changed in 2022
The national unemployment insurance fund (CNAC) used to fund projects by unemployed promoters aged 30 to 55. In January 2022, the government gave ANADE the management of public business creation schemes and set up a transition for CNAC:
- CNAC keeps funding and granting benefits to unemployed promoters who had already received their interest-free loan by 20 January 2022;
- files that had CNAC's eligibility and funding certificate, but no funding by that date, moved to ANADE;
- CNAC keeps collecting the loans it granted until they are repaid in full.
In the same month, ANADE opened its scheme up to age 55. An unemployed 45-year-old who wants to start a business therefore goes to ANADE.
Tax benefits
The tax code grants temporary exemptions to businesses eligible for ANADE, ANGEM or CNAC. For IRG and IBS, they run from the start of operations.
| Tax | Benefit | Text |
|---|---|---|
| IRG, personal income tax (sole traders, liberal professions included) | 3-year exemption; 6 years in an area to be developed; 10 years in southern areas supported by the South and High Plateaus fund; 2 more years if you commit to hiring at least 3 staff on permanent contracts | Art. 13 bis and 25 ter of the CIDTA |
| IBS, corporate income tax (companies) | Same periods as IRG | Art. 138-II-1 of the CIDTA |
| Property tax on buildings | Buildings used for the business: 3 years from completion, 6 years in an area to be developed | Art. 252-4 of the CIDTA |
| Registration duties | Incorporation deeds of companies set up by these promoters: exempt from all duties | Art. 347 quinquies of the registration code |
The main steps with ANADE
- 1
Check your eligibility
Age, diploma or know-how, no earlier business creation aid, and the personal contribution your case requires.
- 2
Present your project to your wilaya's branch
ANADE has wilaya (province) branches that advise and support you free of charge. Ask them for the current list of documents.
- 3
Go before the wilaya committee
A selection, validation and funding committee reviews projects. It meets every fifteen days, with representatives of banks, the tax office and the CNRC (trade register).
- 4
Appeal if refused
The national appeals committee at ANADE headquarters answers within thirty days. An approved file receives an eligibility and funding certificate.
- 5
Get the bank loan
In three-way funding, the bank processes your file within two months at most.
- 6
Set up the company and start trading
Trade register, tax office, social security: the exemptions run from the start of operations, and the agency follows your business for as long as the benefits last.
Project holders living abroad: distance training
If you belong to the Algerian community abroad and are setting up your business with ANADE, a digital platform is reserved for you to follow the required preliminary training in entrepreneurship and micro-enterprise creation remotely. You must complete this training to receive the scheme's benefits and grants. It ends with a certificate issued by ANADE. The order gives neither the platform's address nor the length of the training, so ask the agency.
What Neuron does, and what it does not do
Neuron does not prepare funding applications and promises no funding: the agency and the bank decide. Once your project is approved, Neuron can provide your company's registered address in Dely Brahim (6,000 DA a month, notarised contract for one or two years) and handle its setup: 50,000 DA for a sole trader, 60,000 DA for a company, 10,000 DA less if your address is with Neuron, official fees excluded.
Company setup support
Name reservation, articles, trade register, NIF, NIS, CASNOS: we follow the file with you.
- Sole trader: 50,000 DA, company: 60,000 DA
- 10,000 DA less if your registered address is with Neuron, even from abroad
- From abroad: 70,000 or 80,000 DA
From 40,000 DA
Registered address in Dely Brahim
Your head office in Algiers. Notarised contract ready within 3 days at most.
- 1-year or 2-year contract
- ID document and birth certificate
- Your mail received for you
6,000 DA/ month
Three ways to get it done
Do it yourself with this guide, have your setup forms filled in, or hand us the whole file.
1I do it myself
The free guide
Everything you need is on this page: documents, deadlines, a filled-in example.
Free
Follow the guide2We fill them in for you
Setup form filling
We fill in your business setup forms, for one price. You submit them yourself.
- Beneficial owner declaration
- Trade register, legal person
- G n°8
- NIS application
5,000 DAthe 4 setup forms of a company
Get it filled in3We handle everything
Full support
We follow every setup step: 50,000 DA for a sole trader, 60,000 DA for a company, 10,000 DA less if your address is with Neuron.
From 40,000 DA
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