Garantie Innovation Bpifrance (innovation loan guarantee)
This permanent guarantee covers 60% of a bank loan dedicated to an innovation project (R&D, prototype, launch of a new product), for guaranteed amounts of €100,000 to €5M over up to 7 years. It is arranged directly by the lending bank, not through a direct application by the company to Bpifrance at this stage.
Financing an innovation project with a bank loan requires the bank to accept the risk associated with a product or process not yet proven commercially. Bpifrance’s Garantie Innovation secures this financing by covering part of the bank’s risk, specifically for innovation projects.
Funded by Bpifrance
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Who can apply
The scheme targets innovative SMEs, as defined by Bpifrance or by eligibility for the research tax credit (CIR) or innovation tax credit (CII), with an identified technological or market innovation project.
Eligibility conditions
The company must have a clearly identified innovation project (R&D, prototype, new product launch) and be eligible for Bpifrance’s “Innovative company” label or for the CIR/CII. The guarantee is initiated by the lending bank when the loan is set up, not directly by the company with Bpifrance.
What the scheme covers
The guarantee applies to a bank loan dedicated to an innovation project: R&D costs, building a prototype or launching a new product. It is presented as a natural complement to the Prêt Innovation (innovation loan).
Amount and funding terms
According to the information available, the guaranteed loan is between €100,000 and €5,000,000, with a guaranteed share of 60% and a term of up to 7 years. The amount actually guaranteed depends on the bank loan negotiated by the company.
How to apply
1. Define the innovation project (R&D, prototype, product launch) to be financed. 2. Check your eligibility for Bpifrance’s “Innovative company” label or the CIR/CII. 3. Apply for a dedicated bank loan from your usual bank. 4. Ask your bank to arrange the Bpifrance Garantie Innovation to secure the loan. 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
- €100,000
- Automatically extracted — check the official source
- Funding rate
- 60%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who applies for the guarantee, the company or the bank?
The lending bank arranges the guarantee; the company does not apply directly to Bpifrance at this stage.
What percentage of the loan is covered?
60% of the bank loan dedicated to the innovation project.
What is the maximum amount guaranteed?
Up to €5,000,000, with a minimum of €100,000, according to the information available.
Do I need Bpifrance’s “Innovative company” label?
The company must hold the Bpifrance “Innovative company” label or have a project eligible for the CIR/CII.
Official source
No official URL is available in our data for this grant.
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