ARME — Economic Restructuring Anticipation — Support Following an Exceptional Disaster
ARME support after an exceptional disaster is a Normandy Region aid for certain businesses hit by an exceptional event. It may take the form of an interest-free loan, repayable over at most 48 months after a deferral of up to 12 months. The application must be backed by the expert’s report and the insurance claim; in the case of riots, a police complaint receipt is required.
The ARME “exceptional disaster” strand targets organisations in Normandy facing equipment or stock costs or operating losses following an event such as a fire, a natural disaster or riots. The Region indicates costs of between €5,000 and €100,000 excluding VAT and an interest-free loan without collateral of up to €50,000 for very small businesses and €100,000 above that size. Access to this strand depends in particular on eligibility for other regional schemes.
Funded by Région Normandie
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Who can apply
Organisations in Normandy that have suffered an exceptional disaster (for example a riot, natural disaster or fire) and have eligible financing needs for equipment, stock or operating losses. The amount of the need must be established from the expert’s report and an insurance claim. Check the other regional criteria with the ARME department.
Eligibility conditions
The application must document the disaster and the costs. A police complaint receipt is required for riot-related damage. The Region states that the ARME strand is only used where the business is not eligible for Impulsion Proximité from the Normandy development agency (AD Normandie). The applicable public aid rules must still be respected.
What the scheme covers
Funding of equipment, stock or operating losses linked to the disaster, within the limit of justified eligible costs. The need is assessed from the expert’s report and the insurance claim.
Amount and funding terms
Costs concerned, as announced: €5,000 to €100,000 excluding VAT. Interest-free loan without collateral: up to €50,000 for a very small business and €100,000 above that size, paid in a single instalment. Repayment over 48 months, with a maximum deferral of 12 months. The support rate may reach 100% of eligible costs within the aid regimes. The scheme does not require matching bank finance but is only available if the business is not eligible for Impulsion Proximité.
How to apply
Contact the Normandy Region’s ARME department quickly after the disaster. Gather the expert’s report, the insurance claim, proof of the police complaint in the case of riots, the costing of the expenses and information on the expected compensation. Have the ineligibility for Impulsion Proximité and the exact documents confirmed.
Timeline
The official page consulted does not give an annual closing date. Given the nature of the scheme, contact the Region as soon as possible after the disaster and confirm the current version of the rules.
Key facts
- Funder
- Région Normandie
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €100,000
- Automatically extracted — check the official source
- Geographic scope
- Normandie
Frequently asked questions
What is the loan cap?
The Region announces a maximum of €50,000 for very small businesses and €100,000 above that size.
Is an expert assessment required?
Yes, the need is established from the expert’s report and the insurance claim.
Can I apply for this strand if Impulsion Proximité is available?
The regional page states that the ARME disaster strand only applies where the business is not eligible for Impulsion Proximité.
Official source
No official URL is available in our data for this grant.
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