Short-Term Guarantee
A guarantee on short-term bank financing for micro-businesses and SMEs, notably for cash flow and signature commitments. The catalogue mentions a term of 6 to 24 months and a guaranteed share of 50% (60% for brand-new start-ups); confirm these parameters in the current conditions.
Bpifrance's Garantie Court Terme is presented in the catalogue as a guarantee on short-term cash financing and signature commitments (bonds and guarantees). It does not pay a grant to the company: it secures part of the bank's risk. The exact guaranteed share, term and exclusions must be confirmed with Bpifrance and the bank.
Funded by Bpifrance
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Who can apply
The catalogue lists micro-businesses and SMEs meeting Bpifrance's guarantee criteria, in all sectors except exclusions, notably certain financial intermediation and property activities. Eligibility to be confirmed with the bank and Bpifrance.
Eligibility conditions
The need must be for short-term financing, cash flow or signature commitments. The catalogue mentions sector exclusions and excludes companies in difficulty; the exact exclusions and current contractual terms must be confirmed.
What the scheme covers
Partial guarantee of short-term bank financing, notably cash financing and signature commitments. The underlying bank financing, its term and any security are set with the bank; Bpifrance makes no direct payment.
Amount and funding terms
This product is a guarantee on a loan or commitment, not a grant. The catalogue states a term of 6 to 24 months and a guaranteed share of 50%, rising to 60% for a brand-new start-up. These values should not be relied on without confirmation from Bpifrance.
How to apply
Discuss with your lender, specifying the cash need or signature commitment, the term and the amount. Ask for written confirmation of the applicable Bpifrance offer, the guaranteed share, the fee, the exclusions and the arrangement before signing.
Timeline
No call-for-projects timetable: access depends on the bank financing and the terms on which the offer is marketed. Confirm the offer parameters directly with Bpifrance and your bank.
Key facts
- Funder
- Bpifrance
- Type of funding
- Guarantee
- Status
- Ongoing
- Funding rate
- 60%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Is the Garantie Court Terme a grant?
No. It guarantees part of a bank loan to make financing easier; the company remains liable for the loan or commitment.
What needs are targeted?
The catalogue mentions short-term cash financing and signature commitments. The exact arrangement must be validated with the bank.
Is the 50% or 60% guaranteed share confirmed?
These figures come from the catalogue and could not be confirmed on a current official page. Ask Bpifrance for the current conditions before making any estimate.
Who starts the application?
The application is prepared with the bank providing the financing, which checks Bpifrance's guarantee criteria and the applicable exclusions.
Official source
No official URL is available in our data for this grant.
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