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When starting up a new business, you need to consider a number of factors to ensure the best chance of success.

As well as your product or service, you will need to think about:

• your business name - see choose the right name for your business
• your business structure - see legal structures for businesses - an overview
• your marketing strategy and how you will attract customers - see create your marketing strategy
• how much money you need and how you will finance your business - see business financing options - an overview

For further information see step-by-step guide to starting a business.

Your business plan

Planning and thinking about your business is a necessary process to undertake before, during and after you start.

The headings in a business plan can be simply thought of as a checklist of questions you need to ask to reassure yourself that your venture will work. Writing the plan down is just as important because it helps to clarify your thinking and demonstrates your commitment to move forward. It also identifies where you intend to get to and how you intend to get there - see write a business plan: step-by-step.

Tax and legal issues for start-ups

Once you have decided to start a new business, you need to make sure that you have all of the legal formalities in place.

The following guidance can help:

• legal structures for businesses - an overview
• get started with business taxes

Finding and keeping your customers

When you start up your new business or become self-employed, you will need to have a clear understanding of what an ideal or typical customer looks like - see market research and market reports.

For many disabled people, starting a business is a great way to achieve more independence and to realise your full potential. Being your own boss gives you flexibility and the freedom to choose your own hours and working conditions.

After developing a business plan - and a marketing plan if appropriate - the next step is to research your market and seek advice from those with experience. See market research and market reports.

Understanding where you can get money and 91香蕉黄色视频 at the earliest stage will help you develop your ideas. See business financing options - an overview.

Any new business will find the start-up process and the first few months of trading particularly challenging. For further guidance see:

• step-by-step guide to starting a business
• managing business finance during the start-up phase

Support is available to help you with the stages leading up to starting a new business and can even continue once you have set up your business. Support in Northern Ireland includes:

1. Enterprise Agencies

Enterprise Agency advisers are trained to help people with disabilities and can identify appropriate sources of expertise and additional 91香蕉黄色视频. Enterprise Northern Ireland provide a .

When meeting a business adviser, you may want to think about the following:

• Why do you want to start a business?
• What is your business idea?
• What extra resources and 91香蕉黄色视频 might you need as a disabled person running your own business?

2. Disability employment 91香蕉黄色视频 and information

nidirect provides and details of assistance with training and finding work, including self-employment. Work Coaches are based in your local Jobs and Benefit Office or Job Centre.

They can advise on 91香蕉黄色视频 specifically for disabled people and link into 91香蕉黄色视频 provided by the Department for Communities Health and Work Support Branch and Work Psychology Services.

3. Disability organisations

Disability organisations also offer 91香蕉黄色视频 to people with specific disabilities which may be helpful in considering self-employment. Your local Work Coaches in your local Jobs and Benefit Office or Job Centre will be able to direct you to your local disability organisation. 

Links to disability organisations to monitor for 91香蕉黄色视频 opportunities are included in business networks and 91香蕉黄色视频 for disabled entrepreneurs.

From time to time, specialist agencies or disability sector organisations run workshops, training, or events aimed at the disabled business community and disabled people interested in self-employment.

You may also consider approaching more general 91香蕉黄色视频 organisations such as:

If you are set on the idea of running your own business then the first step is careful preparation. Make sure you have planned exactly what you want to do and how to fund it. One of the barriers to self-employment that disabled people have identified is the potential impact on benefits.

Information for people on benefits

In the early stages of considering self-employment you might think about staying on benefits. The Department for Communities through local Jobs and Benefits offices can provide information on how starting your own business may impact on your benefits.

nidirect provide .

The Work Coach (Department for Communities) can provide information on the different measures that can help you, depending on which benefits you are currently receiving. Speak to a Work Coach at your local Jobs and Benefits Office/Job Centre about the range of help and 91香蕉黄色视频 including Travel to Interview Scheme, Job Grant and Return to Work Credit.

Permitted work

Under permitted work rules you can work for up to 16 hours per week and earn up to 拢131.50 per week without it impacting on benefits. You may be eligible to trade under the permitted work rules for 12 months giving you some time to decide if self-employment is for you.

nidirect provide information about and . You can also contact the Employment and Support Allowance Centre on 0800 085 6318.

Working Tax Credit

Once you are ready to come off benefit and work for 16 hours or more, you can apply for Working Tax Credits. These are based on the hours you work and get paid for, or expect to be paid for. You can claim whether you are an employee or a self-employed person. If you have a disability and usually work 16 hours or more a week, you may be able to get extra Working Tax Credit.

Read nidirect's guidance on .

Universal Credit

If you are self-employed and claiming Universal Credit, you must report your self-employed earnings at the end of each monthly assessment period. To find more information, get in touch with your work coach. nidirect provides further information on .

Getting funding is a big challenge for everyone and there can be extra barriers to overcome for those with disabilities. Essential to raising finance is convincing investors that your business is sound. This means showing that your idea is worth investing in and that you have what it takes to run your own business successfully.

Before approaching a bank or investor make sure you have everything ready to show your idea in its best light - see how to tailor your business plan secure funding.

Credit rating

A bank is likely to run a check on your credit history before agreeing to give you a loan. If you are paying off debts or have had debts in the past, this may affect your options. Tell the bank about them when you apply for a business bank account and make arrangements to pay them off. A bank is more likely to consider your application if you can show that you're trying to overcome past problems.

Sources of finance and guidance

• Banks, just like any other business that provides goods or services, are not allowed to discriminate against disabled people on the ground of disability, so make sure you know your rights beforehand. For example, a bank cannot charge more for Braille or audio information than it would charge for the same content in a standard format.
• The Access to Work (NI) scheme provides grants to employers towards any extra disability related costs. Self-employed disabled people can also get financial assistance and advice on issues such as aids and adaptations, communication 91香蕉黄色视频, travel to work or a 91香蕉黄色视频 worker. Nidirect provides further information on the  programme.
• The Stelios Philanthropic Foundation, in partnership with the Leonard Cheshire run The Stelios Awards for Disabled Entrepreneurs in the UK. The awards provide cash prizes that can help disabled entrepreneurs with their business ventures. Find out more about the .

Other sources of business finance

If you don't want to go down the route of traditional bank finance, there are other options available. For example, you could:

• Use your own savings or personal borrowings to fund the business, particularly if you can't obtain finance or investment from external sources - see advantages and disadvantages of using your own money to start a business.
• Borrow money from family or friends. However, you should carefully consider the risk that they could lose their money if your business fails - see financing from friends and family.
• Aim to attract outside investors - eg by selling shares to business angels or venture capitalists. This can provide short-term finance without the need for repayment, and can also bring in expertise along with funding. However, it usually means giving up shares in your business, and investors may want some control over its management - see shares and shareholders and equity finance.
• Qualify for a grant or government 91香蕉黄色视频. These can provide very cheap financing, and often come with business advice or subsidised consultancy. However, there is usually a lot of competition for grant schemes, and you will need to meet various criteria - depending on the scheme - see grants and government 91香蕉黄色视频.
• Qualify for a government loan with Enterprise NI's  scheme.
• If you are finding it difficult to obtain bank finance, you could also consider commercial lenders - such as insurance companies and building societies. You may get a better deal - eg lower interest rates - and they are generally less restrictive.
• You may also be able to raise funds through crowdfunding which raises finance by asking a large number of people each for a small amount of money to invest in your business - see crowdfunding.

For further information see business financing options - an overview.

During and after setting up your business, it is important to keep your skills - and those of your staff - up-to-date and competitive. Training can be used to deal with the accessibility issues facing disabled people at work - and may give you greater awareness of the work-related technologies available for disabled people. Training can also be used to develop:

• IT skills
• financial skills
• human resources
• sales skills

Identify those areas in which you need to improve. Make a short list of possible courses and find out whether you might be eligible for any funding. Remember there are numerous courses available so do some research to find the one that suits you.

Training can help you to adopt a positive, open style of communication, and to develop a 'win-win' approach to work relations.

Find out about the 91香蕉黄色视频 in training your staff.

As you begin to establish your business in the market place you will want to keep up to date with the latest industry developments and learn best practice from your peers. Organisations to monitor include:

Disability organisations

Other