Covid grants for photographers

bonnet

Hi, am I right in thinking that, although there appear to be lots of local authority based grants for Covid (e.g. the Local Authority Discretionary Grants Fund, the Small Business Grant Fund), photographers would only be eligible for these if we actually operate out of a premises? In other words, if we're wedding photographers effectively based from our home (with maybe occasional families visiting for a studio shoot too), there are no such grants? Just checking as didn't want to miss out! (UK based)

Jeremy535897

Those grants have all been used up, and only applied to businesses with premises.

macman

SEISS, BBL?

bonnet

macman said:

SEISS, BBL?

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

Percy1983

Can you not apply for a BBL on your business account.
I am a photographer with a studio so got the premises grant , SEISS and a BBL no problems.
SEISS was rather low as it had be first year with setup costs in there but you can't win them all.

amykirk1996

bonnet said:

macman said:

SEISS, BBL?

I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

Yes, I think you're right.  Would you agree, @Grumpy_chap?

Grumpy_chap

bonnet said:

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

If I read your post correctly, self-employed for 27 months to end of August 2020. So:

• 5 months within 2020 -21 (not considered for SEISS assessment)
• 12 months within 2019 - 20 (not considered for SEISS assessment)
• 10 months within 2018 - 19 (considered for SEISS assessment)

That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?

You can still claim tax deferral, loan payment holidays, BBLS.

There is still UC available.  All the coronavirus support is additional to that.

gizmo111

Grumpy_chap said:

bonnet said:

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

If I read your post correctly, self-employed for 27 months to end of August 2020. So:

• 5 months within 2020 -21 (not considered for SEISS assessment)
• 12 months within 2019 - 20 (not considered for SEISS assessment)
• 10 months within 2018 - 19 (considered for SEISS assessment)

That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?

You can still claim tax deferral, loan payment holidays, BBLS.

There is still UC available.  All the coronavirus support is additional to that.

I was exactly the same - I worked PAYE employed whilst setting up business and getting contacts and seeing how viable it would be to give up employment - 2018/19 I earnt more than the 50% income from employment.  2019/20 I earnt more from self employment than 2018/19 employment - but 2019/20 not considered for SEISS.

amykirk1996

gizmo111 said:

Grumpy_chap said:

bonnet said:

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

If I read your post correctly, self-employed for 27 months to end of August 2020. So:

• 5 months within 2020 -21 (not considered for SEISS assessment)
• 12 months within 2019 - 20 (not considered for SEISS assessment)
• 10 months within 2018 - 19 (considered for SEISS assessment)

That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?

You can still claim tax deferral, loan payment holidays, BBLS.

There is still UC available.  All the coronavirus support is additional to that.

I was exactly the same - I worked PAYE employed whilst setting up business and getting contacts and seeing how viable it would be to give up employment - 2018/19 I earnt more than the 50% income from employment.  2019/20 I earnt more from self employment than 2018/19 employment - but 2019/20 not considered for SEISS.

Another one excluded @Grumpy_chap - yet still you refuse to accept there's a problem.

macman

Grumpy_chap said:

bonnet said:

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

If I read your post correctly, self-employed for 27 months to end of August 2020. So:

• 5 months within 2020 -21 (not considered for SEISS assessment)
• 12 months within 2019 - 20 (not considered for SEISS assessment)
• 10 months within 2018 - 19 (considered for SEISS assessment)

That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?

You can still claim tax deferral, loan payment holidays, BBLS.

There is still UC available.  All the coronavirus support is additional to that.

It doesn't necessarily come down to the employed/self-employed income balance in 18/19. The OP may possibly have savings or investment income that reduced the self-employed proportion to less than 50%.

bonnet

Grumpy_chap said:

bonnet said:

Unfortunately I didn't qualify for the self-employment help.  Although I've been full time self-employed for 27 months now, the tax years fell such that I didn't quite make the 50% mark in the tax year they're using.  I genuinely think I'm someone who's fallen down the crack and haven't been able to get assistance at all.  

If I read your post correctly, self-employed for 27 months to end of August 2020. So:

• 5 months within 2020 -21 (not considered for SEISS assessment)
• 12 months within 2019 - 20 (not considered for SEISS assessment)
• 10 months within 2018 - 19 (considered for SEISS assessment)

That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?

You can still claim tax deferral, loan payment holidays, BBLS.

There is still UC available.  All the coronavirus support is additional to that.

Yes, you are correct.  With all the set up costs etc, this is exactly what has happened....
 "That means the 2 months of employment in 2018 - 19 earned more than 10 months of self-employment to fail on the 50% eligibility criteria for SEISS.  Is that correct?"