Business Transfer Guarantee
Bpifrance's guarantee schemes distinguish creation, growth and transfer operations. Eligibility may depend on the type of takeover, the age of the company and the financing structure; the applicable rules must be confirmed with the bank.
Garantie Transmission supports bank financing for the takeover of a business. It secures part of the lender's risk and can help make credit easier to obtain, without paying a grant directly to the buyer.
Funded by Bpifrance
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Who can apply
Buyers and companies seeking financing compatible with the business transfer guarantee fund, subject to the criteria applicable to the operation.
Eligibility conditions
The financing structure must correspond to a transfer operation covered by the product. The rules may differ depending on whether a business (fonds de commerce) or shares are acquired, the buyer's experience and the situation of the target company.
What the scheme covers
Bank financing for the takeover or transfer of a business, within the scope of the guarantee chosen.
Amount and funding terms
The guarantee covers a share of the loan, with a rate and cap that depend on the fund and the operation. An evaluation published by Bpifrance documents maximum guaranteed shares of 50% for certain transfer financing; this historical figure does not replace the current conditions.
How to apply
Give the bank the takeover agreement, the financing plan, the target's accounts and information on the buyer. Ask for written confirmation of the fund used, the coverage rate and the exclusions.
Timeline
The guarantee is reviewed as part of the takeover financing. Timescales follow the bank review and the product approval.
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
What amount or level of support is available?
The guarantee covers a share of the loan, with a rate and cap that depend on the fund and the operation. An evaluation published by Bpifrance documents maximum guaranteed shares of 50% for certain transfer financing; this historical figure does not replace the current conditions.
Who can benefit?
Buyers and companies seeking financing compatible with the business transfer guarantee fund, subject to the criteria applicable to the operation.
How can I check my eligibility?
The financing structure must correspond to a transfer operation covered by the product. The rules may differ depending on whether a business (fonds de commerce) or shares are acquired, the buyer's experience and the situation of the target company.
What is the application process?
Give the bank the takeover agreement, the financing plan, the target's accounts and information on the buyer. Ask for written confirmation of the fund used, the coverage rate and the exclusions.
Official source
No official URL is available in our data for this grant.
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