France Active — Solidarity guarantee and financing for social economy (ESS) businesses
This permanent scheme covers up to 80% of a bank loan for worker cooperatives (SCOP), employer associations and integration enterprises, as well as for business founders in precarious situations. Support is provided by France Active’s regional branches, which assess the project’s economic viability before granting the guarantee.
Social and solidarity economy organisations, like people in precarious situations who start their own business, often find it harder to access conventional bank credit for lack of sufficient guarantees. France Active offers a bank guarantee to make this financing easier to obtain, with personalised support.
Funded by France Active
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Who can apply
The scheme concerns social and solidarity economy organisations (associations, SCOP, SCIC, integration enterprises, solidarity businesses) and people in precarious situations starting or taking over a business.
Eligibility conditions
The project must be economically viable and meet a bank financing need that would not be accessible without a guarantee. The assessment is carried out by a France Active regional branch, to be contacted directly.
What the scheme covers
The guarantee covers the lending bank’s risk, making it easier for the organisation or founder to obtain credit. Personalised support is included in addition to the guarantee itself.
Amount and funding terms
The maximum amount indicated for this scheme is €500,000, with a minimum of €5,000 and guarantee cover of up to 80% of the bank loan according to the information available. The amount actually guaranteed depends on the bank loan requested and the regional branch’s analysis of the project.
How to apply
1. Check that your organisation belongs to the ESS, or that you are in a precarious situation with a start-up or takeover project. 2. Set out your bank financing need and the project’s economic viability. 3. Contact the France Active regional branch for your area. 4. Have your application assessed jointly by your bank and France Active. 5. Finalise the bank loan guaranteed by France Active.
Timeline
A permanent scheme with no application deadline: applications are reviewed on a rolling basis by France Active’s regional branches.
Key facts
- Funder
- France Active
- Type of funding
- Guarantee
- Status
- Open
- Maximum amount
- €500,000
- Automatically extracted — check the official source
- Minimum amount
- €5,000
- Automatically extracted — check the official source
- Funding rate
- 80%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
What percentage of the loan is guaranteed?
Up to 80% of the bank loan according to the information available on the scheme.
Who can benefit?
Social and solidarity economy organisations (associations, SCOP, SCIC, integration enterprises) and founders in precarious situations.
Is support included?
Yes, personalised support is offered in addition to the guarantee.
How do I contact France Active?
Through the regional branch for your area.
Official source
No official URL is available in our data for this grant.
Other grants of type “guarantee”
Other grants from France Active
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
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