Finance Your Training
CPF, OPCO, training funds for self-employed professionals, or payment in several installments: the right financing option depends on your situation. This page explains which option to consider first and what we do to help you obtain it.
Information verified on September 2, 2026. Training funding rules change every year: we review this page in March and September.
You Are the Value of Your Business
Videos, podcasts, books: all of these provide ideas and a preview. But it is by practicing, in a group and with an experienced professional, that you really move forward quickly.
You try, adjust, and test your ideas in real situations, and what you learn stays with you. Our instructors have already tested what works when launching and developing a freelance assistant business. Training helps you save that time and avoid paying for it through mistakes.
Financing Your Training
One question remains before enrolling: how can you finance your training without dipping into the cash you will need to get started?
At Formassista, one trainee out of two finances their training with their CPF, four out of ten through their OPCO or employer, and one out of ten pays for it themselves, in several installments if necessary. Here is how to proceed, depending on your situation.
You Can Always Learn on Your Own, But It Takes Time.
Our Instructors Have Tried Many Things For You And On Your Behalf.
Save Time When Launching Or Developing Your Business.
Where Should You Start?
You Have Funds Available in Your CPF Account
Employee, job seeker, self-employed, career changer: almost everyone has CPF rights. It is the simplest and fastest route for our certified course, “Managing a Business Creation Project,” the only course in our catalog eligible for CPF funding. See the CPF section below.
You Are an Employee, or Your Business Is Already Registered
Your employer and its OPCO, or your self-employed training fund (AGEFICE, FIF PL), can finance all our training courses. See the sections “Your Employer and Your OPCO” and “Your Self-Employed Training Fund.”
You Prefer to Finance It Yourself
To move quickly or because your available funding is insufficient, we offer payment in several installments. See the “Self-Funding” section.
Other Situations
Job seeker without sufficient CPF funds, professional transition project, recognized disability, regional assistance. These schemes exist, but they take longer to obtain: see “Other Funding Options” at the end of the page.
Zoom in on Funding Options
Le Compte Personnel de Formation (CPF)
Your CPF account is credited each year you work, and your rights remain available when you are unemployed. At Formassista, it can fund the certified course “Managing a Business Creation Project”, certification RS 7004 issued by CréActifs and registered by France Compétences. This is the only course in our catalog eligible for CPF funding: our other training courses can be financed by your employer, your OPCO, your training fund, or through self-funding.
What you need to know before enrolling:
A €150 contribution remains payable by you for any enrollment made since April 2, 2026, regardless of your available balance. You are exempt if you are registered as a job seeker, or if your employer supplements your rights.
If your balance does not cover the full cost, you can pay the difference by card when enrolling, or request additional funding from France Travail or your employer.
Enrollment is completed through your account in three steps: you view the course page on Mon Compte Formation , submit your enrollment request, we approve it within 2 business days, and then you confirm it. Allow at least 11 business days between your request and the start of the training: this is the statutory cooling-off period.
Your Employer and Your OPCO
Are you an employee, executive assistant, secretary, or office manager? All our training courses can be included in your company's skills development plan: tendering, prospecting, digital communication, office software, digital tools, and our certified business creation course if your goal is to become self-employed. In practice, your employer submits the funding request to its OPCO, the skills operator responsible for its sector. OPCOs fund employee training, not training for self-employed professionals or non-salaried company directors. If you are already self-employed, your contact is your training fund (see the next section). To find out which OPCO your company belongs to, you only need its SIRET number:
We provide your employer with everything the OPCO requires: quote, training program, schedule, training agreement, and certificates. The application must be submitted before the training begins; allow three to four weeks.
Your Self-Employed Training Fund (AGEFICE or FIF PL)
Are you already self-employed, either as a micro-entrepreneur or through a company? Each year, you contribute to professional training through URSSAF, and this contribution gives you access to funding through a training insurance fund. The fund you depend on is determined by the nature of your registered activity: AGEFICE for commercial and service activities, and FIF PL for liberal professions. Your URSSAF payment certificate indicates which fund applies to you.
Funding is capped (the annual amount varies depending on the fund and the year) and must be requested online before the training begins, using the quote and training program we provide. It can be combined with your CPF funding for the certified course.
Self-Funding, in Several Installments
Would you like to get started without waiting for a funding decision, or are your available funds insufficient? You can pay for your training yourself in several monthly installments. You choose your dates, start with the next available session, and keep your CPF rights for future training. If you are self-employed, the cost of the training is a deductible business expense.
Other Funding Options
France Travail (formerly Pôle Emploi)
If you are registered as a job seeker, your first option should be the CPF: you are exempt from the €150 contribution. If your available funds are insufficient, your advisor may provide additional funding or finance the training through the Individual Training Assistance (AIF) when it is part of your plan to return to employment or start a business. The decision is up to your advisor, and the criteria have become stricter: discuss it with them early, with our quote and training program in hand, and allow at least one month before the training start date.
Your Region
Some Regions fund business creation training courses, most often for job seekers and upon referral from France Travail or a local employment support organization. Funding options vary from one Region to another: check the funding available in your Region or ask your advisor.
Professional Transition Project (PTP)
Are you an employee on a permanent or fixed-term contract and looking to change careers? The PTP allows you to take certified training during your working hours while maintaining your salary, with funding provided by Transitions Pro in your region. Our certified business creation training course is eligible for this scheme. The application must be submitted two to three months before the training begins and is reviewed by a committee: it is the most protective funding option, but also the longest process.
Agefiph
If you have officially recognized disabled worker status (RQTH), Agefiph can provide additional funding for your training and support you with your business creation project. The application is submitted through your France Travail or Cap emploi advisor, along with our quote and training program.
What We Do for Your Application, and What the Law Requires You to Do
Whatever your funding provider, we send you everything they require within 24 hours: a quote, detailed training program, schedule, training agreement or contract, enrollment certificate, our training provider registration number, and our Qualiopi certification. We also answer any questions from your advisor or employer. There is one thing we cannot do, because the law prohibits any training provider from doing so: submit the application on your behalf. You must personally confirm your enrollment on Mon Compte Formation or submit the application to your training fund or OPCO. This protects you: no one can use your training rights without your authorization.