Île-de-France Prevention Loan Fund
Île-de-France Prévention loan fund: Supporting businesses facing cash-flow strain. This scheme can be used until 31 December 2027. Beneficiaries listed in the catalogue: SMEs: with their head office in Île-de-France. The detailed conditions and current status remain to be confirmed with the funder.
The “Île-de-France Prévention loan fund” scheme is listed to supporting businesses facing cash-flow strain. This scheme can be used until 31 December 2027. The official page consulted confirms the following scope: The Region states that applications are open until 31 December 2027. The loan targets SMEs and associations with an economic activity in Île-de-France, notably with more than 20 employees, facing cash-flow strain and engaged in a prevention procedure or considering one. Amount up to €300,000, term up to 7 years including a 2-year capital deferral, mandatory one-for-one bank co-financing. The catalogue information remains to be compared with the rules in force, notably for beneficiaries, amounts, eligible costs and the availability of the scheme.
Funded by Région Ile-de-France
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Who can apply
Beneficiaries indicated in the catalogue: SMEs: with their head office in Île-de-France; with 20 or more employees, that have asked the Commercial Court to open a conciliation or ad hoc mandate procedure, leading to a recorded or approved conciliation or ad hoc mandate agreement; or that show cash-flow strain threatening their development projects or jeopardising the continuation of their activity; whose activity is in industry or in a sector considered strategic under the Île-de-France Region’s SRDEII Impact 2028 (health, energy, agri-food, short supply chains, cleantech, quantum, AI, aerospace); that are not businesses in difficulty within the meaning of EU regulations. Ineligible sectors: trading; property development; construction and public works; consultancy for businesses and individuals; regulated or similar professions (liberal professions, professions organised in an order, etc.); finance, insurance and property; cafés, hotels and restaurants; training organisations and establishments; road freight transport; logistics; consultancy, maintenance and training businesses in digital services; personal services; communication and multimedia (web marketing and customer relations agencies/platforms, advertising, press, television, radio, social networks and influencers, etc.); primary agriculture, fishing, aquaculture and forestry. Check the legal form, size, activity, area, financial situation and exclusions in the official rules in force.
Eligibility conditions
Conditions available in the catalogue: the loan must be matched one-for-one by co-financing: either debt (a new bank loan) or a capital contribution, shareholder current account or quasi-equity. They are not enough to confirm eligibility. Check the official criteria, exclusions, combination rules and any obligation to apply before ordering, purchasing or starting work.
What the scheme covers
Operations or costs mentioned: eligible costs: working capital requirements; tangible investments (excluding property); intangible investments linked to the recovery plan. The loan is granted as a priority as part of a conciliation or ad hoc mandate procedure, but may also be granted outside any procedure, depending on the business’s needs. Check eligible costs, supporting documents, minimum thresholds, caps and excluded costs before any commitment.
Amount and funding terms
Amount or type of support indicated in the catalogue: loan of up to €300,000; at a non-zero interest rate and on terms more favourable than market conditions; with a maximum repayment term of 7 years, including up to 2 years’ repayment deferral. If the loan is granted as part of a conciliation procedure, the procedure may be the subject of an approved agreement so that the lender benefits from the conciliation privilege (also known as “New Money”), giving it priority ranking for payment if the beneficiary later enters collective proceedings. The aid can be combined with other public aid (State, local authorities) in line with EU regulations. The Region confirms a loan of up to €300,000, over up to 7 years including a 2-year capital deferral, with mandatory one-for-one bank co-financing; eligibility remains subject to the sector and prevention conditions.
How to apply
1) Obtain the official page and rules in force. 2) Confirm that the scheme is active and that the project’s area is covered. 3) Check the criteria, amount, cost base, exclusions, combination rules and documents. 4) Confirm when to apply and obtain prior approval before committing costs. Check the fit with the industrial/strategic sector and headcount, the prevention procedure, the situation under EU regulations and the version of the rules attached to the form.
Timeline
Catalogue end date to be checked: 31 December 2027. Confirm the deadline, the status of the scheme and budget availability with the funder. Check the fit with the industrial/strategic sector and headcount, the prevention procedure, the situation under EU regulations and the version of the rules attached to the form.
Key facts
- Funder
- Région Ile-de-France
- Type of funding
- Loan
- Status
- Open
- Maximum amount
- €300,000
- Automatically extracted — check the official source
- Closes
- 31 December 2027
- Geographic scope
- Île-de-France
Frequently asked questions
What is the Île-de-France Prévention loan fund scheme for?
The catalogue describes its purpose as follows: supporting businesses facing cash-flow strain. This scheme can be used until 31 December 2027. Check that the project falls within the scope of the official rules in force.
Who can benefit and what are the main conditions?
Beneficiaries mentioned in the catalogue: SMEs: with their head office in Île-de-France; with 20 or more employees, that have asked the Commercial Court to open a conciliation or ad hoc mandate procedure, leading to a recorded or approved conciliation or ad hoc mandate agreement; or that show cash-flow strain threatening their development projects or jeopardising the continuation of their activity; whose activity is in industry… The conditions mentioned are: the loan must be matched one-for-one by co-financing: either debt (a new bank loan) or a capital contribution, shareholder current account or quasi-equity. The legal form, location, exclusions and current criteria must be confirmed.
What amount or type of funding can be obtained?
Loan of up to €300,000; at a non-zero interest rate and on terms more favourable than market conditions; with a maximum repayment term of 7 years, including up to 2 years’ repayment deferral. If the loan is granted as part of a conciliation procedure, the procedure may be the subject of an approved agreement so that the lender benefits from the conciliation privilege (also known as “New Money”), giving it priority ranking… The official source consulted also states: The Region states that applications are open until 31 December 2027. The loan targets SMEs and associations with an economic activity in Île-de-France, notably with more than 20 employees, facing cash-flow strain and engaged in a prevention procedure or considering one. Amount up to €300,000, term up to… These elements do not guarantee an award; confirm the cap, cost base, rate and form of funding with the funder.
Is the scheme still open and how do I apply?
Catalogue end date to be checked: 31 December 2027. Check the fit with the industrial/strategic sector and headcount, the prevention procedure, the situation under EU regulations and the version of the rules attached to the form. Before any order, purchase or spending, confirm the opening and the procedure with the relevant authority.
Official source
No official URL is available in our data for this grant.
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