How to identify the right financing with CCI Pays de la Loire?

Summary

CCI Pays de la Loire is the regional level of the chamber network and directs businesses to the local chambers. To search for financing, it is useful to start with an assessment of the project and the need: amount, expenses, timeline, own resources and repayment capacity. The search can then target regional, national or European schemes that actually cover the business and the project.

Role and financing services

Potential levers include grants, repayable advances, loans, guarantees, equity or quasi-equity and cost coverage. Their availability depends on the programmes and rules in force. This page does not assert that a specific regional grant is open; schemes, criteria, amounts and timelines must be checked with the funder. Advisory services offered by local CCIs can vary in content and price: confirm the terms with the local chamber.

Services identified

Referral to the local CCIs of Pays de la Loire; support for business creation and development; financing search based on location and need.

Defining the financing need

Define the need and the timeline: investment, innovation, hiring, energy transition, business development, export, business transfer or cash flow. Prepare quotes, recent accounts, the financial forecast, the financing plan and resources already available. This preparation helps distinguish a grant from a repayable advance, a loan, a guarantee or advisory support.

Checks before submission

Before any expenditure, check whether the scheme requires a prior application. Check whether the scheme is open, the territory covered, the size of the business, the sector, the eligible expenses, the caps and the combination rules. Confirm the criteria with the funder and keep the applicable rules. Also ask the CCI to confirm the content, any fees and the terms of its support.

Does the CCI award grants directly?

The CCI informs, advises and may direct or support the application; the award decision rests with the scheme's manager.

When should you contact the CCI?

As early as possible, ideally before signing a quote or starting any expenditure.

Main source

https://www.paysdelaloire.cci.fr/

Additional source

https://www.cci.fr/reseau-cci/le-reseau-des-chambres-de-commerce-et-dindustrie

Verification status

Official regional source; specific schemes to be documented.

Type

Local/regional CCI — funder profile