ADIE: financing the creation or development of your business

What does ADIE do?

The Association pour le droit à l'initiative économique (Association for the Right to Economic Initiative, ADIE) supports people who want to start or grow their business and who struggle to access conventional bank credit. Its offering combines tailored financing with guidance and advice before and after the business launches.

Professional microcredit

ADIE's professional loan can finance business-related needs: a vehicle, equipment, stock, premises, works or working capital. The official page consulted shows an amount of €300 to €15,000, a term of up to 48 months and a rate starting at 8.4% fixed as of 6 July 2026, plus a 6% solidarity contribution. The exact terms depend on the product and the application.

The Prêt Apport en Capital

In addition to a microcredit loan granted as part of a business start-up, the Prêt Apport en Capital can offer a zero-interest advance of up to €3,000, with repayment deferred for up to two years under the terms published by ADIE. It is aimed in particular at founders who lack sufficient initial capital.

Targeted schemes: Prime Jeune and JUMP

The Capital OS database also links ADIE to a Prime Jeune grant and the JUMP loan, which targets businesses in priority urban policy neighbourhoods (Quartier prioritaire de la politique de la ville). These schemes must be checked separately: age or situation criteria for the Prime Jeune, geographic criteria and financing rules for JUMP. The Prime Jeune is described on ADIE's website as an exceptional bonus with limited-time availability; it should not be presented as permanently open.

Who can apply for financing?

ADIE is aimed in particular at people who are starting or growing a business and cannot obtain conventional bank financing, regardless of their professional status. A personal guarantee may be required: for the professional microcredit, ADIE generally asks for a guarantor from the applicant's personal network covering 50% of the amount borrowed, with terms that may vary by product.

What support is offered?

In addition to financing, ADIE offers advice and support for starting or growing a business. The programme can include project preparation, expert advice, training and follow-up tailored to the project holder's needs.

How do you apply?

Check the product's official page, book an appointment online or at a branch, then prepare information about your project, your income, your banking situation, the expenses to be financed and your repayment plan. Ask the advisor for the total cost of financing, fees and contributions, the guarantee required, and any additional schemes you may be able to access.

Frequently asked questions

Is ADIE financing a grant? Generally not: it is repayable credit, even though specific bonuses or advances may exist. Do you have to be unemployed to apply? No, several statuses can be considered. Can someone without access to bank credit apply? That is precisely one of the target groups, but the award remains subject to review of the application.

Official sources

• Credit to start or grow a business — ADIE
• Zero-interest Prêt Apport en Capital — ADIE
• Prime Jeune for entrepreneurs — ADIE
• JUMP loan / QPV schemes — ADIE
• Microcredit explained — ADIE
• Express microcredit — ADIE