How can you finance your business with grants from the Région Pays de la Loire?

Summary

The Région Pays de la Loire offers, alone or with its partners, schemes suited to different stages in a company's life: creation, takeover, growth, innovation, investment, digital transformation, ecological transition or tourism development. Support can take the form of a bank guarantee, a loan, a grant, or co-financed support services. The right scheme depends on location, size, sector, the project, expenses and the timeline.

What types of funding does the Région offer?

The instruments listed include guarantees that make it easier to access credit, regional or partner loans, targeted grants, innovation and investment grants, as well as advisory and support programmes. A guarantee reduces part of the risk borne by the lender but is not an amount paid to the business. A loan must be repaid. A grant is governed by regulations and eligible expenses. A support programme may leave a residual cost for the business.

Pays de la Loire Garantie: making bank credit easier

The official Pays de la Loire Garantie scheme makes credit more accessible in partnership with Bpifrance. The regional fact sheet indicates a cover rate of up to 70% of the financing under the general component, and up to 80% under the seed-stage component, with a co-guarantee split between the Région and Bpifrance. It targets in particular business creation, transfer, growth, cash flow and innovation. The scheme is aimed at micro-businesses and SMEs based in the region, subject to the exclusions and conditions set out in the regulations. The application is generally initiated by the bank with Bpifrance, then submitted to the Région.

DINAMIC+: improving SME performance

The DINAMIC+ Accelerator is an individual and group support programme to structure a business, improve its performance, or support innovation. The regional page describes a 6-to-12-month pathway for SMEs with 5 to 250 employees, more than two years old, based in Pays de la Loire and with a turnover of less than €10 million. The public funding announced covers close to 70% of the cost of a standard 12-month format, with an indicative residual cost of around €9,200. The content and costs must be confirmed according to the format and the scheme in force.

AGIR Tourisme: investing in responsible tourism

The AGIR Tourisme scheme supports tourism projects involving creation, extension, modernisation or innovation that form part of a concrete ecological-transition approach. It covers several sectors, including accommodation, outdoor hospitality, visitor sites, water and river tourism, agritourism, wine tourism, and services for cycling tourists. The Région states that it favours loans for private beneficiaries, with grants possible in certain cases, and expense thresholds that vary by sector. The complete application must be submitted on the grants portal before expenses are committed.

Innovation, research and France 2030

The catalogue includes several schemes dedicated to innovation, research, and the development of products or processes: Pays de la Loire Accès Innovation, Accès Recherche, Initiative Innovation, Pays de la Loire Innovation under the regionalised France 2030 component, and other calls for projects. These mechanisms may target different phases — feasibility, research, experimental development, innovation or industrialisation — and are not interchangeable. Check the project's maturity, eligible expenses, aid intensity, any applicable European rules, and the filing dates specific to each call.

Investment, industry, agri-food and crafts

The fact sheets referenced cover in particular agri-food industry investment via ARIAA-FEADER, the industry of the future, water-efficient practices, trade and crafts, the digital image of craft trades, digital investment and cybersecurity. Grants may target equipment, machinery, external expertise, or a specific transformation. Expenses already committed may be excluded, so it is necessary to read the regulations and check the order of procedures before signing a quote or starting the project.

Employment, transition and territorial impact

The catalogue contains schemes related to employment and transitions, support for committed entrepreneurs, impact capital, and territorial economic cooperation clusters (PTCE). The type of support varies: grant, investment, support services, or financing by a partner. It is important to distinguish a grant awarded to a business from support intended for a collective structure, a network, or a territorial project.

Honour loans and business creation/takeover

Several fact sheets concern honour loans offered by local Initiative platforms or Réseau Entreprendre, as well as a business transfer-takeover scheme. These loans are not automatically granted by the Regional Council: the Région may be linked to a support framework or partnership, while the local association reviews the application. Check the territory covered, excluded sectors, the required stage of progress, the amount, the term, and the decision committee with the local operator.

Who can benefit from regional grants?

There is no single criterion applicable to all 40 fact sheets. Depending on the scheme, beneficiaries can be micro-businesses/SMEs, industrial or tourism companies, craftspeople, project leaders, associations, local authorities, or social economy structures. Some programmes require a regional location, a maximum headcount or turnover, a minimum age, a specific sector, or an environmental commitment. Exclusions — companies in difficulty, financial or real-estate sectors, expenses already committed — vary from one set of regulations to another.

How do I find the right grant?

1. Describe the project and its main objective. 2. List the expenses, their timeline and amount. 3. Check the company's location, status, headcount, turnover and financial situation. 4. Browse the official regional fact sheets and identify the schemes matching the need. 5. Contact the reviewing body or operational partner to confirm eligibility and required documents. 6. Submit the complete application within the deadline, generally before starting expenses when required by the regulations. 7. Keep proof of submission and wait for the written decision before considering the support as secured.

How can you avoid funding mistakes?

Do not assume that a referenced fact sheet is open today: some programmes may have changed name, regulations, or timeline. Do not confuse a loan, a guarantee, an equity stake, and a grant. Check the combination with other grants, de minimis or State aid rules where they apply, investment maintenance obligations, and the expected supporting documents. The official regional page states that its information sheets do not confer an automatic right to the grant and that approved regulations prevail in the event of any contradiction.

Catalogue of the 40 grants associated with the Région

The table embedded below lists the 40 fact sheets associated with funder ID 9 in the Capital OS database. The detailed information in each fact sheet is retained. The catalogue's dates and links serve as a starting point for verification; they do not confirm that the scheme is open. Individual checks are tracked in the dedicated tab.

Does the Région only pay out grants?

No. Schemes can take the form of loans, credit guarantees, grants, investments, or co-financed support services.

Can I submit an application after I have already started my expenses?

It depends on the regulations. Some schemes require a complete application to be filed before expenses begin. Check this rule before signing or committing to any purchases.

Are grants reserved for SMEs?

No, but many schemes target micro-businesses and SMEs. Others may concern associations, local authorities, project leaders, or specific sectors.

How do I get the regional bank guarantee?

Contact your bank and check the official Pays de la Loire Garantie page. The bank approaches Bpifrance as part of the co-guarantee procedure; approval remains subject to review.

Are local honour loans granted by the Région?

Not necessarily. The Initiative or Réseau Entreprendre platforms may review honour loans; being listed in the regional catalogue does not mean that the Région is the direct lender.

Business grants / filing

https://www.paysdelaloire.fr/mon-conseil-regional/les-missions/developpement-economique/accompagnement-des-entreprises

Validation status

Official sources consulted on 13/10/2026. The catalogue may show closed calls or schemes with different timelines. Each grant entry in the master list must be matched against a fact sheet and its current regulations before being presented as open.

Official sources

• Pays de la Loire Garantie — Région Pays de la Loire
• DINAMIC+ Accelerator for businesses — Région Pays de la Loire
• Pays de la Loire AGIR Tourisme — Région Pays de la Loire
• Innovation and transitions for cultural tourism — Région Pays de la Loire
• All grants from the Région — Région Pays de la Loire
• Pass Entreprendre en Pays de la Loire — Pass Garantie — Région Pays de la Loire