ARME — Economic Restructuring Anticipation — Cash Flow and Investment Support
ARME – Cash flow and investment is aimed at distressed organisations in Normandy and can combine regional support with private financing or contributions. The published cash-flow caps range from €50,000 for a very small business to €300,000 for a mid-cap or large company, subject to conditions and within the aid rules. Investment aid follows a separate cost base and rules.
The Normandy Region’s ARME scheme supports certain struggling businesses with a site in the region, in particular to strengthen their cash flow or fund investments. For cash flow, the Region indicates a maximum intervention of 50% of the established need, with caps depending on the size of the organisation and recent co-financing. Funding may take the form of an interest-free loan without collateral and/or a grant. Given the date of the rules, check that they are still in force.
Funded by Région Normandie
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Who can apply
Organisations with at least one site in Normandy, registered in the trade and/or crafts register and belonging to the sectors covered by the rules. They must be in a situation of fragility/difficulty, have closed accounts and be up to date with their obligations or have an accepted repayment plan. Certain activities and legal forms are excluded.
Eligibility conditions
Cash-flow funding is based on an established need and recent eligible co-financing, for example a medium-term bank loan, a capital contribution, a blocked shareholder current account or a bond issue. Repayment may be spread over up to 60 monthly instalments after a maximum deferral of 24 months. The investment strand is separate and must be reviewed according to its own cost base and co-financing.
What the scheme covers
Strengthening working capital and, depending on the strand requested, tangible or intangible investments as part of a consolidation plan. Costs and financing must be linked to the plan submitted to the Region.
Amount and funding terms
To strengthen cash flow, regional support may reach 50% of the established need, up to the announced limit of €50,000 for very small businesses, €100,000 for small businesses, €200,000 for medium-sized businesses and €300,000 for mid-caps and large companies. The instrument may be an interest-free loan without collateral and/or a grant. Co-financing must be less than three months old. For investment, see the dedicated page: the parameters are not the same.
How to apply
Contact the Economic Change – ARME department before finalising the financing structure. Prepare the closed accounts, a cash-flow plan, the established need, evidence of co-financing less than three months old and information explaining the fragility. Ask which strand and which rules apply to the project.
Timeline
The ARME pages consulted are dated 31 October 2024. No general closing date is shown. Confirm the opening, budget and current rules before applying.
Key facts
- Funder
- Région Normandie
- Type of funding
- Grant
- Status
- Ongoing
- Maximum amount
- €200,000
- Automatically extracted — check the official source
- Geographic scope
- Normandie
Frequently asked questions
Is the ARME only a grant?
No. Depending on the strand, support may be an interest-free loan without collateral and/or a grant.
What is the cash-flow cap?
The published caps vary by size: from €50,000 for very small businesses to €300,000 for mid-caps and large companies.
Is co-financing required?
Yes, the cash-flow strand relies on recent eligible co-financing, according to the rules.
Official source
No official URL is available in our data for this grant.
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