CCI France
Business acquisition: in what order should financing be sought?
Information and guidance on financing related to CCI France. Confirm the conditions with the competent bodies.
Summary
The CCI France guide on business acquisition recommends structuring financing in stages: personal contribution and family/friends, banks, equity-type financing, then grants, with adjustments depending on the size of the deal. It stresses the value of obtaining bank agreements in writing and checking whether funders make their commitment conditional on the involvement of other partners. This page is a methodological guide, not a financial scheme.
Overview
The CCI France guide on business acquisition recommends structuring financing in stages: personal contribution and family/friends, banks, equity-type financing, then grants, with adjustments depending on the size of the deal. It stresses the value of obtaining bank agreements in writing and checking whether funders make their commitment conditional on the involvement of other partners. This page is a methodological guide, not a financial scheme.
Services and levers
Method for preparing the group of investors/financiers; coordination between contribution, bank debt, equity and grants; advice on agreements in principle and financing applications.
Preparing your approach
Put together a complete business plan, the target's accounts for the last three financial years, the memorandum of agreement, the draft articles of association and the financing supporting documents. Have each bank specify the conditions precedent, guarantees, timeframes and any expected co-financing.
Points to watch
The proposed order is a general method, not a mandatory rule. The terms depend on the target, the price, the sector, the buyer's profile and the funders' conditions.
Does the CCI directly finance the project?
Most often, it informs, directs and supports. The decision rests with the scheme's funder, unless a mechanism is explicitly confirmed by an official source.
When should the conditions be checked?
Before any commitment of expenditure or any application, with the competent funder and based on its current rules.
Main source
Additional source
Verification status
Official CCI France source; practical guide, with no financing scheme of its own.
Type
CCI — documented financing scheme or service
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