Garantie Classique Bpifrance (standard bank loan guarantee)
This permanent guarantee covers 40% to 70% of the default risk on a bank loan, for guaranteed amounts of €40,000 to €5M. It is arranged directly by the lending bank when the loan is set up, and applies to tangible, intangible and property investment as well as working capital needs linked to a business start-up or takeover.
An investment, start-up or takeover project can meet with reluctance from a bank if the company cannot provide enough security on its own. Bpifrance’s Garantie Classique covers part of the default risk to make bank financing easier to obtain.
Funded by Bpifrance
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Who can apply
The scheme targets French SMEs and mid-caps with an investment, start-up or takeover project. Certain sectors are explicitly excluded: investment property, pure holding companies and banks.
Eligibility conditions
The guaranteed loan must finance an investment (tangible, intangible or property) or working capital needs linked to a business start-up or takeover. The application is initiated by the lending bank, not directly by the company with Bpifrance.
What the scheme covers
Tangible, intangible and property investment, as well as working capital needs linked to a business start-up or takeover.
Amount and funding terms
According to the information available, the guaranteed loan is between €40,000 and €5,000,000, with a guaranteed share of 40% to 70% depending on the project. The exact level of guarantee depends on the assessment of the application by Bpifrance and the lending bank.
How to apply
1. Define your investment, start-up or takeover project. 2. Apply for a bank loan from your usual bank. 3. Ask your bank to arrange the Bpifrance Garantie Classique to secure the financing. 4. Check that your sector is not excluded (investment property, pure holding companies, banks). 5. Finalise the arrangement with the bank and Bpifrance.
Timeline
A permanent scheme with no application deadline: the guarantee is arranged on a rolling basis, at the lending bank’s initiative.
Key facts
- Funder
- Bpifrance
- Type of funding
- Guarantee
- Status
- Open
- Maximum amount
- €5,000,000
- Automatically extracted — check the official source
- Minimum amount
- €40,000
- Automatically extracted — check the official source
- Funding rate
- 70%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who applies for the guarantee?
The lending bank arranges the guarantee when the loan is set up.
What percentage of the loan is covered?
40% to 70% of the default risk, depending on the project.
Which projects are covered?
Tangible, intangible and property investment, and working capital needs for a start-up or takeover.
Are any sectors excluded?
Yes, investment property, pure holding companies and banks are excluded.
Official source
No official URL is available in our data for this grant.
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