Unemployment benefit paid out as a lump sum (pago único)

Capitalización de la prestación por desempleo (pago único)

Up to 100% of your remaining contributory unemployment benefit (paro), as a lump sum to invest, as monthly payments toward your Social Security fee, or both; up to 15% may go to advice and training. Provided by Servicio Público de Empleo Estatal (SEPE).

Spain (nationwide)Benefit-linked supportEquity-free

Official page

Check if you qualify for Unemployment benefit paid out as a lump sum (pago único)

Answer a few questions about you and your project. The co-pilot opens Unemployment benefit paid out as a lump sum (pago único) for you and shows what already fits, what blocks you and what to do next.

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Deadline and first steps
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Key facts

Amount: Up to 100% of your remaining contributory unemployment benefit (paro), as a lump sum to invest, as monthly payments toward your Social Security fee, or both; up to 15% may go to advice and training
Duration: Not fixed
Type: Benefit-linked support
Who receives it: Individual founder
Equity: Equity-free
Repayable: No
Stages: Idea, Prototype
Solo founders: Yes
Full-time required: Unclear
Company required: No
University link required: No
Application languages: ES
Location: Receiving contributory unemployment benefit (prestación contributiva) from SEPE in Spain

Who can apply

Receiving contributory unemployment benefit (prestación contributiva), not the subsidio
Used to start as autónomo, join a cooperative or sociedad laboral, or put capital into a company under 12 months old that you control and work in
Not for becoming an economically dependent autónomo (TRADE) for your former employer or its group
A business plan (memoria) and proof of the investment are required

What usually blocks applicants

Already registered as autónomo or started the activity before applying (widely reported; check with SEPE)
On the subsidio instead of the contributory benefit, or little entitlement left
Investment not justified afterwards, which can mean paying back

Why founders miss it

Spain's equivalent of a start-up grant: your own unemployment benefit, paid out up front to fund the business.

Deadline and timing

Any time while you receive the benefit; apply before starting the activity

Frequently asked

How much does Unemployment benefit paid out as a lump sum (pago único) pay?

Up to 100% of your remaining contributory unemployment benefit (paro), as a lump sum to invest, as monthly payments toward your Social Security fee, or both; up to 15% may go to advice and training

Who can apply for Unemployment benefit paid out as a lump sum (pago único)?

Stages: idea, prototype. Solo founders can apply. You can apply before registering a company. Location: Receiving contributory unemployment benefit (prestación contributiva) from SEPE in Spain. The full list of conditions is under Who can apply above.

When is the Unemployment benefit paid out as a lump sum (pago único) deadline?

Any time while you receive the benefit; apply before starting the activity

Where do I apply for Unemployment benefit paid out as a lump sum (pago único)?

On the official page: https://www.sepe.es/HomeSepe/autonomos/capitaliza-tu-prestacion.html. Applications are accepted in ES.

Do I have to pay back Unemployment benefit paid out as a lump sum (pago único) or give up equity?

No, it does not have to be paid back. It takes no equity.

Can solo founders apply for Unemployment benefit paid out as a lump sum (pago único)?

Yes, solo founders can apply.

Sources and verification

Checked on 14 October 2026. Most facts read from the official source; some details need confirmation. This page is orientation, not an eligibility decision.

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