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Bpifrance: what financing options for your business?

Compare the financing schemes associated with Bpifrance: loans, guarantees, innovation, export, and support. Explore the schemes and their criteria.

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In brief

Bpifrance operates in financing, guarantees, investment, and support for businesses. Solutions vary depending on the project: start-up or takeover, innovation, growth, transition, cash flow, or export. This page helps explore the schemes associated with Bpifrance and distinguish national offers from regional programs or those run with partners.

Understanding Bpifrance's role

Bpifrance is the French public investment bank. It supports business development through several instruments: loans, guarantees, investments, support, and solutions related to innovation or international business. It also works with banks, investors, Regions, and specialized networks. The appropriate scheme therefore depends on the need to be financed, the business's profile, its location, and the specific conditions of each offer.

What projects can be supported?

The solutions associated with Bpifrance cover several stages of a business's life: start-up or takeover, commercial and industrial development, tangible or intangible investments, innovation and R&D, ecological transition, external growth, and internationalization. Some programs mainly offer advice or support; others facilitate financing or cover a risk. The need must be identified before comparing offers.

What types of support should be distinguished?

A loan provides repayable financing. A guarantee can facilitate access to bank credit by covering part of the lender's risk. Export insurance covers certain risks related to international contracts or transactions. An equity investment corresponds to a capital investment. Lastly, an accelerator or a diagnostic assessment may be a support service rather than financial aid paid to the business. Each scheme's fact sheet should specify the exact instrument.

Who can benefit from the schemes?

Criteria depend on each offer: the business's size and age, sector of activity, location, stage of development, planned expenses, financial situation, or project characteristics. Some solutions target founders or those taking over a business; others target SMEs, mid-sized companies (ETI), innovative businesses, or exporters. Territorial programs may also depend on a Region or a partner network. The mere fact that a fact sheet is linked to Bpifrance does not therefore guarantee eligibility.

How to choose the right financing?

First describe the project, its timeline, expenses, and financing need. Then check the intended beneficiaries, the form of support, the territory, eligible expenses, any caps, and the deadline. Also look at who processes the application: Bpifrance, a bank, a support network, a regional partner, or a call-for-projects operator. If in doubt, confirm the information with the responsible organization before submitting an application.

Bpifrance in the first half of 2026

In its report published on October 5, 2026, Bpifrance states that it injected nearly 10 billion euros in credit into nearly 13,000 businesses in the first half of 2026. This report notably reports 4.52 billion euros in medium- and long-term loans and more than 5.25 billion euros in short-term financing. These figures describe Bpifrance's overall activity over a given period: they do not correspond to an individual allocation or a promise of aid for any given business.

Explore the schemes associated with Bpifrance

The catalog below brings together the 380 fact sheets currently associated with Bpifrance in the Capital OS repository. It gathers national offers, territorial schemes, and programs run with partners. The thematic families make navigation easier, but this does not mean that all fact sheets are directly financed by Bpifrance or that they are all open for applications. Check each fact sheet to confirm the actual operator, the criteria, the timeline, and the nature of the support.

Is Bpifrance a public organization?

Yes. Bpifrance is the French public investment bank. It operates in financing and supporting businesses, notably in connection with banks, investors, public bodies, and regional partners.

Does Bpifrance only offer grants?

No. The solutions associated with Bpifrance can take the form of loans, guarantees, insurance, equity investments, or advisory and support services. The nature of the support must be checked on each fact sheet.

Are all businesses eligible?

No. Criteria vary depending on the scheme: size, sector, territory, stage of development, project, and expenses. A fact sheet being listed in the catalog does not confirm eligibility.

Are there schemes for start-ups or takeovers?

Yes, financing and support solutions exist for certain founders and those taking over a business, notably via partner networks. Conditions depend on the product and the organization processing the application.

What is the difference between a loan and a guarantee?

A loan must be repaid according to its terms. A guarantee covers part of a risk for a lending institution and can facilitate access to credit; it does not necessarily correspond to a payment to the business.

Does Bpifrance support innovation?

Yes, Bpifrance publishes and mobilizes various solutions related to innovation. The level of maturity, eligible expenses, and application method vary depending on the scheme; check the fact sheet and its rules.

Are there export-related solutions?

Yes. Bpifrance Assurance Export notably offers insurance and guarantee solutions for certain risks related to international transactions. Conditions vary depending on the nature of the transaction and the risk covered.

Are all the listed schemes open?

Not necessarily. Some programs are subject to a timeline, calls for projects, or conditions that change. Check the date, status, and official page before taking any steps.

Can several grants be combined?

Combining aid depends on each scheme's rules, the expenses financed, and the applicable public aid rules. One should not assume that combining aid is possible without checking each rule.

How do I find the scheme suited to my business?

Define the project and the need, then compare schemes based on their purpose, intended beneficiaries, territory, and application process. Open the detailed fact sheets and confirm the information with the operator.

Moving on to exploring the fact sheets

Browse the thematic families, then open the fact sheet for the scheme matching your project. Before preparing an application, confirm the conditions and timeline with the responsible organization. A match in the catalog is a starting point for your research, not a decision to award funding.

Honor loans and territorial networks — 227 listed schemes

This family brings together honor loans and schemes distributed by local support networks, notably Initiative and Réseau Entreprendre. Conditions, amounts, and procedures vary depending on the network and the territory. Check the processing partner and local criteria on each fact sheet.

Innovation, R&D, deeptech, and France 2030 — 40 listed schemes

These schemes relate to innovation, research and development, emerging technologies, and certain France 2030 programs. The stage of maturity, eligible expenses, and application procedures differ depending on the program.

Growth, investment, and equipment — 21 listed schemes

These solutions can support business growth, investment, and equipment. The nature of the financing and the financial conditions must be examined on each fact sheet.

Guarantees and insurance — 20 listed schemes

Guarantees and insurance are not grants automatically paid to the business. They cover certain risks or facilitate financing, depending on the contract and the scheme.

Export, international, and risk coverage — 17 listed schemes

These schemes support certain international initiatives or cover risks related to export. Eligible transactions, countries, and conditions vary depending on the solution.

Accelerators and growth support — 15 listed schemes

Accelerators generally offer a structured support program. They may involve a co-payment and do not necessarily constitute direct financing.

Ecological transition, energy, and decarbonization — 14 listed schemes

This family brings together schemes related to ecological transition, energy, and decarbonization. Eligible expenses and conditions must be checked individually.

Business transfer, takeover, and external growth — 7 listed schemes

These schemes can relate to business takeover, transfer, or external growth. Check the intended transaction, the size of the business, and the financing procedures.

Sector-based and territorial financing — 6 listed schemes

Access to these schemes may depend on an industry, a location, or a territorial partnership. The territory and the operator must be clearly indicated on the fact sheet.

Equity and private equity — 5 listed schemes

This family brings together funds or capital investment mechanisms. Bpifrance's role, co-investors, and intervention procedures vary depending on the fund.

Cash flow, short-term, and pre-financing — 3 listed schemes

These solutions can meet cash flow or pre-financing needs. They are subject to an assessment of the application and the product's contractual conditions.

Diagnostics and advisory services — 3 listed schemes

These schemes fall under diagnostics or advisory services. Check the scope of the service, any associated cost, co-financing, and access criteria.

Start-up, seed funding, and young businesses — 2 listed schemes

These solutions relate to business creation, seed funding, or the early stages of development. Some require support from a partner network.

Funder / operator distinction

The 380 fact sheets associated with Bpifrance should not be presented as 380 national grants directly financed or operated by Bpifrance. For each fact sheet, specify where possible the actual operator, the territory, the nature of the support, the conditions, and the application status.

Written content, currently under editorial review — this is not an eligibility assessment; only your personalised report applies your company's actual criteria.

Grants linked to Bpifrance

Bpifrance, Financeurs privés, Union Européenne-FEDER

Up to €33,565

Closes on 8 Dec 2026

Grant

Accélérateur PME Nouvelle-Aquitaine

Bpifrance, Région Nouvelle-Aquitaine

Up to €14,200

Closed on 14 Oct 2026

Bpifrance: what financing options for your business?

Title / question

In brief

Understanding Bpifrance's role

What projects can be supported?

What types of support should be distinguished?

Who can benefit from the schemes?

How to choose the right financing?

Bpifrance in the first half of 2026

Explore the schemes associated with Bpifrance

Is Bpifrance a public organization?

Does Bpifrance only offer grants?

Are all businesses eligible?

Are there schemes for start-ups or takeovers?

What is the difference between a loan and a guarantee?

Does Bpifrance support innovation?

Are there export-related solutions?

Are all the listed schemes open?

Can several grants be combined?

How do I find the scheme suited to my business?

Moving on to exploring the fact sheets

Honor loans and territorial networks — 227 listed schemes

Innovation, R&D, deeptech, and France 2030 — 40 listed schemes

Growth, investment, and equipment — 21 listed schemes

Guarantees and insurance — 20 listed schemes

Export, international, and risk coverage — 17 listed schemes

Accelerators and growth support — 15 listed schemes

Ecological transition, energy, and decarbonization — 14 listed schemes

Business transfer, takeover, and external growth — 7 listed schemes

Sector-based and territorial financing — 6 listed schemes

Equity and private equity — 5 listed schemes

Cash flow, short-term, and pre-financing — 3 listed schemes

Diagnostics and advisory services — 3 listed schemes

Start-up, seed funding, and young businesses — 2 listed schemes

Funder / operator distinction

Grants linked to Bpifrance

Accélérateur Agroalimentaire

Accélérateur Biens d'Equipement

Accélérateur Croissance Bretagne

Accélérateur Croissance Externe

Accélérateur Croissance Occitanie

Accélérateur ETI

Accélérateur IA

Accélérateur Industries Mécaniques

Accélérateur International Occitanie

Accélérateur Néo - Startups Industrielles

Accélérateur Néo Propulseur Innovation

Accélérateur PE Croissance Meuse

Accélérateur PME Hauts-de-France

Accélérateur PME Nouvelle-Aquitaine

Accompagnement individuel et financier Réseau Entreprendre Haute-Savoie

Aide au développement deeptech (AAD)

Aide au diagnostic Data Intelligence Artificielle

Appel à Projets Eureka Biotech

Assurance Change Négociation

Assurance change négociation Stop Loss

Assurance financement de projet

Assurance Investissement

Assurance Préfinancement Export

Assurance Prospection

Avance + CIR

Avance + Préfinancement de marchés pour les TPE et PME - Fonds de Garantie Court Terme

Avance Innovation

Bourse French Tech

Bourse French Tech Emergence

Cap Rebond Transition Centre Val de Loire

Crédit Librement Utilisable (CLUB)

Crédit-Bail Immobilier

Crédit-Bail Mobilier - Location financière

Diag 360

Diag Biodiversité

Diag Business International

Diag Data IA

Diagnostic Amorçage Industriel

Diagnostic Design

Diagnostic Dispositif Médical

Diagnostic Europe

Diagnostic Impact Environnemental

Diagnostic Partenariat Technologique International

Diagnostic stratégie propriété intellectuelle