FRG (Regional Guarantee Fund) — Pays de la Loire
The Region states a guarantee covering up to 70% of the financing under the general scheme and 80% under the seed (amorçage) scheme. The guaranteed loan must run for at least two years. The bank applies to Bpifrance, which reviews the application and then submits it to the Region for approval.
Pays de la Loire Garantie makes bank credit easier to obtain by sharing the lending risk between the Region and Bpifrance. The guarantee benefits the lender and supports the company's financing package; it is not a grant paid directly to the company.
Funded by Bpifrance, Région Pays de la Loire
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
Micro-businesses and SMEs as defined by the EU, whatever their legal form or sector, located in Pays de la Loire. Excluded in particular: certain financial intermediation activities, property development and rental, and companies in difficulty under EU rules.
Eligibility conditions
The guaranteed financing must run for at least two years. Eligible operations include company creation, business transfer, growth, international expansion, cash flow, innovation and preparing a funding round. Sector exclusions apply.
What the scheme covers
Eligible financing may include medium- or long-term loans, certain personal loans taken by managers to inject equity, leasing, sale-and-leaseback, financial leasing and certain bonds linked to a vendor loan. The seed participating loans mentioned by the Region range from €100,000 to €300,000.
Amount and funding terms
Guarantee of up to 70% of the financing under the general scheme and up to 80% under the seed scheme, subject to the applicable conditions. This is a guarantee for the lender's benefit, not a payment of the same amount to the company.
How to apply
The company presents its project to its bank. The bank applies to Bpifrance; Bpifrance reviews the application and submits it to the Region for approval. The guarantee therefore needs to be planned within the bank financing rather than requested as a standalone grant.
Timeline
The regional page presents the scheme as available, but approval depends on the review and decision of the financial partners. Confirm the current conditions with Bpifrance and your bank.
Key facts
- Funder
- Bpifrance, Région Pays de la Loire
- Type of funding
- Guarantee
- Status
- Ongoing
- Funding rate
- 80%
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
Is the guarantee paid to the company?
No. It covers part of the lender's risk and makes credit easier to obtain.
What is the maximum rate?
Up to 70% in general and 80% for certain seed financing, subject to eligibility.
Official source
No official URL is available in our data for this grant.
Other grants of type “guarantee”
Other grants from Bpifrance, Région Pays de la Loire
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.