FRG (Regional Guarantee Fund) — Occitanie — Seed Loan Component
Purpose: Using an enhanced guarantee to strengthen the business’s cash position and create favourable conditions for preparing a fundraising round with seed funds, or more generally for bringing in investors, while helping to finalise the innovative project. Beneficiaries mentioned in the catalogue: small businesses (fewer than 50 employees), whatever their legal form; created less than 5 years ago and preparing a fundraising round; carrying out most of their activity in Occitanie/Pyrénées-Méditerranée or setting up there. Eligible fields: energy transition. The funding arrangements and selection criteria must be compared with the applicable official version.
The “FRG (Regional Guarantee Fund) – Occitanie – Seed loan strand” fiche is listed as territorial aid. The catalogue describes its purpose as follows: Using an enhanced guarantee to strengthen the business’s cash position and create favourable conditions for preparing a fundraising round with seed funds, or more generally for bringing in investors, while helping to finalise the innovative project. The title alone does not establish eligibility: identify the applicable action sheet and confirm the eligible costs, selection criteria, state aid regime and whether the procedure is actually open.
Funded by Région Occitanie
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Who can apply
Beneficiaries indicated in the catalogue: small businesses (fewer than 50 employees), whatever their legal form; created less than 5 years ago and preparing a fundraising round; carrying out most of their activity in Occitanie/Pyrénées-Méditerranée or setting up there. Eligible fields: energy transition; renewable energy development; digital industry; agri-food production; biomass recovery; materials and process engineering; health; biotechnologies; water; coastal and maritime economy; development of new services for businesses or the public. Check the legal form, size, activity, area, technical and financial capacity and the exclusions set out in the official rules.
Eligibility conditions
Conditions available in the catalogue: the bank must have signed an agreement with Bpifrance. They are not enough to confirm eligibility. Check the action sheet or rules in force, exclusions, combination rules, selection criteria and any obligation to apply before committing.
What the scheme covers
Operations or costs mentioned: projects involving technological, service, organisational and/or social innovation. Check eligible costs, indirect costs, supporting documents, any minimum thresholds and exclusions before committing to the project.
Amount and funding terms
The catalogue indicates: Amount of guaranteed loans: minimum €100,000; maximum €300,000 (capped at the business’s equity — initial contributions, honour loans, etc.). Term/repayment: 8 years; 36-month repayment deferral, quarterly instalments in arrears with straight-line capital repayment. Pricing: fixed or variable rate according to the scale in force. Arrangement fee: 0.40% of the total seed loan, deducted when the loan is paid out. Security: no guarantee on the business’s assets or the manager’s personal assets; only a 5% guarantee deposit is withheld when the loan is paid out. Guarantee share and fee: the overall guarantee share applied to the outstanding capital of the loan is up to 80%. The guarantee fee is up to 3.04%. This catalogue information is neither a promise of award nor confirmation of the applicable rate; check the public aid rate, the European share, caps, eligible costs and combination rules.
How to apply
1) Identify the managing authority or financial partner. 2) Obtain the action sheet/rules in force. 3) Check the beneficiary, the project, eligible costs, the rate/cap, combination rules and the timetable. 4) Confirm the procedure and documents before any commitment. Ask the relevant authority for confirmation.
Timeline
No usable end date is recorded; confirm the timetable with the managing authority. Confirm the deadline, the status of the call and budget availability with the managing authority or financial partner.
Key facts
- Funder
- Région Occitanie
- Type of funding
- Guarantee
- Status
- Ongoing
- Maximum amount
- €300,000
- Automatically extracted — check the official source
- Minimum amount
- €100,000
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
What is the FRG (Regional Guarantee Fund) – Occitanie – Seed loan strand scheme for?
The catalogue describes the following objective: using an enhanced guarantee to strengthen the business’s cash position and create favourable conditions for preparing a fundraising round with seed funds, or more generally for bringing in investors, while helping to finalise the innovative project. Check that the actual project falls within the scope of the applicable action sheet or financial product.
Who can benefit and what are the exclusions?
The catalogue mentions: small businesses (fewer than 50 employees), whatever their legal form; created less than 5 years ago and preparing a fundraising round; carrying out most of their activity in Occitanie/Pyrénées-Méditerranée or setting up there. Eligible fields: energy transition; renewable energy development; digital industry; agri-food production; biomass recovery; materials and process engineering; health; biotechnologies… Eligibility also depends on the area, size and legal form, type of project and exclusions in the rules in force.
What amount or funding rate is provided?
Amount of guaranteed loans: minimum €100,000; maximum €300,000 (capped at the business’s equity — initial contributions, honour loans, etc.). Term/repayment: 8 years; 36-month repayment deferral, quarterly instalments in arrears with straight-line capital repayment. Pricing: fixed or variable rate according to the scale in force. Arrangement fee: 0.40% of the total seed loan, deducted… Amounts and rates must be checked in the applicable action sheet or rules; distinguish European aid, total public aid and bank guarantees.
Is the scheme open and how do I apply?
No usable end date is recorded; confirm the timetable with the managing authority. Confirm the procedure, documents and timetable with the relevant authority before treating the scheme as open.
Official source
No official URL is available in our data for this grant.
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