SOFISCOP guarantee
A mutual guarantee for SCOPs that are members of CG Scop, designed to make credit easier to obtain and limit personal sureties. The catalogue mentions a guarantee of 25% or 50% depending on the profile, as well as specific contributions; these terms remain to be validated with SOFISCOP.
The catalogue describes the SOFISCOP guarantee as a mutual mechanism that makes bank financing easier for member SCOPs, sharing the risk on the financed asset. The catalogue mentions length-of-existence conditions and contributions to the mutual scheme. The exact official source and current version of the rules have not been confirmed: contact SOFISCOP or the CG Scop network before treating these parameters as applicable.
Funded by CGSCOP
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Who can apply
Workers’ cooperatives (SCOPs) that are members of the CGSCOP and up to date with their contributions.
Eligibility conditions
The catalogue targets SCOPs that are members of CG Scop and up to date with their contributions, with length-of-existence requirements for certain applications for working capital, intangible assets or share buybacks. Confirmed credit lines are stated as not eligible; check the up-to-date rules.
What the scheme covers
Last-resort cover (after all recourse and security have been exhausted). The guarantee is taken on the financed asset: buildings; vehicles; pledgeable equipment; leasing; shares or equity interests in companies; goodwill in the case of sound business transfers with a corresponding rating. Confirmed credit lines are not eligible.
Amount and funding terms
The catalogue indicates a guarantee rate of 50% for certain SCOPs with a Banque de France rating and security over the financed asset, and 25% in other cases. It also mentions a capital subscription of 1%, capped at €1,530, and a contribution of 2% of the guaranteed amount. Confirm these terms in the current conditions.
How to apply
1. Identify the financing need and check that the project matches the purpose of the scheme. 2. Contact the operator or the partner bank to confirm eligibility and the current status. 3. Obtain the official page, rules and list of supporting documents. 4. Prepare the financing plan and the business documents. 5. Do not commit expenditure or sign a contract before confirming the applicable rules.
Timeline
No annual call period has been confirmed. The application should be examined with the bank, SOFISCOP and the CG Scop network before financing; check membership, security and the contributions in force.
Key facts
- Funder
- CGSCOP
- Type of funding
- Guarantee
- Status
- Ongoing
- Funding rate
- 50%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who can apply for the SOFISCOP guarantee?
The catalogue targets SCOPs that are members of CG Scop and up to date with their contributions, subject to the application criteria.
What guarantee rate is mentioned?
The catalogue indicates 50% in certain cases and 25% in others; these rates should be reconfirmed with SOFISCOP.
Are there fees or contributions?
The catalogue mentions a capital subscription and a contribution to the mutual guarantee fund; their rates and terms should be confirmed.
What is the procedure?
Have the financing examined with the bank and contact SOFISCOP or the CG Scop network to obtain the rules and conditions in force.
Official source
No official URL is available in our data for this grant.
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