NewThe guide to financing by stage
Funding for every stage of your business
From creation to external growth, find the public schemes suited to your company's stage of development: grants, honour loans, advances, guarantees, tax credits and European programmes — distinguishing the journey of an innovative startup from that of an SME.
- 2,634 grants listed
- 927 funders
- Europe, France, regions
- Open or closed status tracked
Journey 1
Startup, innovation and deeptech
From company creation to industrial scale-up
- R&D, tax credits and innovation grants
- Prototype, demonstrator and first factory
- France 2030, EIC and Horizon Europe programmes
Journey 2
Traditional SME
From creation to taking over other businesses
- Creation: honour loans, guarantees, ACRE
- Investment, energy transition and digital
- Business takeovers and acquisitions
Startup, innovation and deeptech
From company creation to industrial scale-up — 9 stages
01
Creation
Grants, honour loans and early non-dilutive funding for the innovative project.
02
Seed
Validate the market and prepare the first fundraising round.
03
R&D / Innovation
Tax credits, grants and advances for R&D programmes.
04
Prototype / POC
Feasibility, proof of concept and first prototype.
05
Technology building blocks
Maturing breakthrough technologies.
06
Demonstrators
Pilots and real-world trials.
07
Industrialisation
First factory and capacity scale-up.
08
Export
Prospecting and setting up abroad.
09
External growth
Acquisitions by a scale-up.
Traditional SME
From creation to taking over other businesses — 5 stages
01
Creation
Grants for founders, honour loans and guarantees for the first bank loan.
02
Start-up phase
Consolidating the first years of activity.
03
Development
Investing: equipment, property, digital, energy.
04
Growth
New markets, recruitment, equity.
05
Takeover / external growth
Taking over or buying another business.
Counts calculated live from the schemes linked to each stage after review (unreviewed proposals are never counted). Open schemes include ongoing grants; closed schemes are counted separately.
Personalised report
Get your funding roadmap
Enter your SIRET: the scan identifies the grants available at your current stage and your next ones, then the report details amounts, conditions and recommendations.
Personalised report for €1.
Quick access by need
All the grants for a given need, whatever the stage.
Not sure which stage you're at?
The assessment guides you in three questions to the most relevant funding.
Frequently asked questions
How do I know which stage my company is at?
The stage depends less on the age of the company than on the project to be funded: a first premises, an R&D programme, a production line or buying out a competitor don't call on the same funders. A company can even run two projects at different stages at the same time. The Capital OS assessment starts from your SIRET and your project to guide you.
Why distinguish between innovative startups and traditional SMEs?
The two profiles don't knock on the same doors. A startup developing a technology mainly turns to innovation schemes (Bpifrance grants and advances, research and innovation tax credits, France 2030 or European calls). An SME that is starting up, investing or taking over a business is more likely to use honour loans, bank guarantees, and regional or local grants.
Can the same grant appear at several stages?
Yes, when the scheme justifies it. Many honour loans, for example, fund creation, takeovers and sometimes development. Each link between a grant and a stage is reviewed individually — it is never inferred from the grant's name alone.
How are the schemes shown selected?
An initial automatic match proposes grants for each stage; only those validated after review are published. Closed grants are never mixed in with open ones — they are flagged as such, for reference.
Grant, loan, repayable advance, guarantee: what's the difference?
A grant is kept if the project is carried out as agreed. A loan (including an honour loan, interest-free and with no personal guarantee) must be repaid. A repayable advance is only repaid if the project succeeds, under the agreed terms. A guarantee pays nothing to the company — it covers part of a bank loan, making it easier to obtain. Tax credits and exemptions reduce the tax or contributions owed.
Do the amounts and conditions shown amount to an offer?
No. The caps shown are those listed on each scheme's own page; actual eligibility depends on your company, your location and your project, and the decision always rests with the funder. The personalised report applies your real criteria before drawing any conclusion.