Freely Usable Credit (CLUB)
Crédit Librement Utilisable (CLUB): meeting one-off working capital needs, or quickly seizing an opportunity (tangible or intangible investment, acquisition of a stake, external growth, etc.). Amount listed in the catalogue: Medium-term credit: a credit line the borrower can draw freely up to a ceiling, repaid on a contractually agreed schedule, from €300,000 minimum, over 3 to 10 years, at a variable rate, with security negotiated case by case. The commitment fee is calculated on the authorised ceiling for the period (charged quarterly in advance from the signature of the contract). The application fee is deducted once from the first drawdown. Check the current rules, availability and dates before any request.
The Crédit Librement Utilisable (CLUB, flexible credit line) is medium-term bank financing to cover certain one-off cash needs or seize an investment opportunity. The catalogue mentions a minimum of €300,000 and companies created more than three years ago. It is credit, not a grant: financial terms, security, term and availability must be confirmed with the lender.
Funded by Bpifrance
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
Companies of any size created more than 3 years ago.
Eligibility conditions
Detailed eligibility criteria must be checked with the managing body.
What the scheme covers
Eligible costs and operations must be confirmed in the up-to-date rules.
Amount and funding terms
Medium-term credit: a credit line the borrower can draw freely up to a ceiling, repaid on a contractually agreed schedule, from €300,000 minimum, over 3 to 10 years, at a variable rate, with security negotiated case by case. The commitment fee is calculated on the authorised ceiling for the period (charged quarterly in advance from the signature of the contract). The application fee is deducted once from the first drawdown.
How to apply
Before committing, check the application date, eligible costs, combination with other support, supporting documents and the official application channel. The current date and status must be confirmed with the managing body.
Timeline
No end date is given in the source catalogue. The listed deadline had passed as of 13 October 2026; check whether a new period has been officially announced.
Key facts
- Funder
- Bpifrance
- Type of funding
- Loan
- Status
- Ongoing
- Geographic scope
- All of France
Frequently asked questions
What is the objective of the Crédit Librement Utilisable (CLUB)?
Meeting one-off working capital needs, or quickly seizing an opportunity (tangible or intangible investment, acquisition of a stake, external growth, etc.).
Who can apply for the CLUB?
Companies of any size created more than 3 years ago.
How much can be obtained with the CLUB?
Medium-term credit: a credit line the borrower can draw freely up to a ceiling, repaid on a contractually agreed schedule, from €300,000 minimum, over 3 to 10 years, at a variable rate, with security negotiated case by case. The commitment fee is calculated on the authorised ceiling for the period (charged quarterly in advance from the signature of the contract). The application fee is deducted once from the first drawdown.
What should I check before applying for the CLUB?
Detailed eligibility criteria must be checked with the managing body, and eligible costs and operations confirmed in the up-to-date rules. Before committing, check the application date, eligible costs, combination with other support, supporting documents and the official application channel. The current date and status must be confirmed with the managing body.
Official source
No official URL is available in our data for this grant.
Other grants of type “loan”
Other grants from Bpifrance
Related needs and funding
Competitive calls for projects
Ecological transition and CSR
Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
Discover the funding that fits your company
Check your eligibility for public grants
This scheme is only one of the grants your company may be able to access. Run a personalised scan to identify the funding opportunities that match your activity, location and project.
See the opportunities identified by the scan, then access your personalised report.