Cash Flow Reinforcement Guarantee
Guarantee term: 2 to 7 years (up to 15 years when the loan is secured on property or for a property sale-and-leaseback). Guaranteed share: 50% (70% if the guaranteed financing significantly increases the total bank financing of the company). Guarantee contract: guaranteed share of 50%. Catalogue information does not confirm availability or eligibility.
It helps companies strengthen their financial structure through new financing or by consolidating existing debt. The catalogue presents it as a financing mechanism for this need. Before treating an application as eligible, confirm the exact product, beneficiaries, financial parameters and current conditions with the operator. A guarantee generally makes credit easier to obtain but is not a grant paid directly to the beneficiary.
Funded by Bpifrance
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Who can apply
Micro-businesses and SMEs of any legal form, in all sectors. Not eligible: financial intermediation (NAF K 64), except holding company activities (NAF 64.2); purely asset-holding operations (cash out, sale to oneself, etc.); property development and rental (NAF L 68.1, L 68.2 and F 41.1), except property programmes held by a property holding company (SCI) and rented to a company whose majority shareholders also hold the majority of the SCI's capital. Also not eligible: companies in difficulty under EU rules; companies unable to produce statutory accounts (balance sheet and income statement), except start-ups; associations or foundations without an economic activity.
Eligibility conditions
Micro-businesses and SMEs of any legal form, in all sectors. Not eligible: financial intermediation (NAF K 64), except holding company activities (NAF 64.2); purely asset-holding operations (cash out, sale to oneself, etc.); property development and rental (NAF L 68.1, L 68.2 and F 41.1), except property programmes held by a property holding company (SCI) and rented to a company whose majority shareholders also hold the majority of the SCI's capital. Also not eligible: companies in difficulty under EU rules; companies unable to produce statutory accounts (balance sheet and income statement), except start-ups; associations or foundations without an economic activity. Detailed criteria and exclusions must be checked with the operator before applying.
What the scheme covers
Guaranteed financing: medium- and long-term loans; personal loans to managers to inject equity or buy shares; equipment and property leasing; financial leasing (excluding simple rental).
Amount and funding terms
The catalogue states: Guarantee term: 2 to 7 years (up to 15 years when the loan is secured on property or for a property sale-and-leaseback). Guaranteed share: 50% (70% if the guaranteed financing significantly increases the total bank financing of the company). Guarantee contract: guaranteed share of 50%. Ask for the up-to-date contractual terms or rules.
How to apply
1. Identify the financing need and check that the project matches the purpose of the scheme. 2. Contact the operator or partner bank to confirm eligibility and current status. 3. Obtain the official page, the rules and the list of supporting documents. 4. Prepare the financing plan and the company documents. 5. Do not commit costs or sign contracts before confirming the applicable rules.
Timeline
No current deadline or availability has been sufficiently verified. Confirm availability and the version of the conditions with the operator before preparing an application.
Key facts
- Funder
- Bpifrance
- Type of funding
- Guarantee
- Status
- Ongoing
- Funding rate
- 50%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
What is the Garantie Renforcement de la Trésorerie for?
To help companies strengthen their financial structure through new financing or consolidation. The exact scope must be confirmed with the operator.
What financing is announced?
Guarantee term: 2 to 7 years (up to 15 years when the loan is secured on property or for a property sale-and-leaseback). Guaranteed share: 50% (70% if the guaranteed financing significantly increases the total bank financing of the company). Guarantee contract: guaranteed share of 50%.
Who can benefit?
Micro-businesses and SMEs of any legal form, in all sectors. Not eligible: financial intermediation (NAF K 64), except holding company activities (NAF 64.2); purely asset-holding operations (cash out, sale to oneself, etc.); property development and rental (NAF L 68.1, L 68.2 and F 41.1), except property programmes held by a property holding company (SCI) and rented to a company whose majority shareholders also hold the majority of the SCI's capital. Also not eligible: companies in difficulty under EU rules; companies unable to produce statutory accounts (balance sheet and income statement), except start-ups; associations or foundations without an economic activity.
How do I apply?
Guaranteed financing includes medium- and long-term loans, personal loans to managers, leasing and financial leasing. Contact the operator or your bank to confirm eligibility and the procedure.
Official source
No official URL is available in our data for this grant.
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