Hauts-de-France Prevention
The regional scheme targets businesses with at least 10 employees located in Hauts-de-France that are facing temporary financial difficulties. The advance is between €50,000 and €300,000, repayable over five years with a one-year capital repayment deferral. The rate is based on the three-month Euribor plus 150 basis points, with a floor of 0% at the time of application. The funding must be combined with bank co-financing or an equity/quasi-equity contribution, depending on the structure chosen.
A fall in activity, late payments or an economic setback can weaken cash flow without calling the business’s potential into question. The Hauts-de-France Prévention fund offers eligible regional businesses a repayable advance of €50,000 to €300,000 to get through this period and support a consolidation plan. The funding is built with co-financing, so the bank solution or equity contribution must be prepared in parallel.
Funded by Région Hauts-de-France
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Who can apply
Businesses located in Hauts-de-France, generally SMEs with more than 10 employees and large companies, registered in the trade register (RCS) or able to show dual registration in the crafts and trade registers (RM/RCS). The published criteria notably require at least three tax years (except in certain takeover cases), no more than two loss-making years out of the last three, positive equity and tax and social security obligations up to date. Businesses in an amicable procedure or under a continuation/safeguard plan may be subject to specific conditions, notably regarding the “new money” privilege or funding the development project.
Eligibility conditions
The application must show a temporary cash-flow difficulty or a need for financial consolidation, and present a credible path back to balance. The business must be located in Hauts-de-France and meet the criteria on headcount, accounting history and financial situation. Co-financing is mandatory: twice the amount of the advance for bank financing below the balance sheet line, or an equivalent amount in equity/quasi-equity/capital contribution. Businesses in an amicable procedure or under a continuation/safeguard plan should check the specific conditions applying to their situation.
What the scheme covers
The fund is intended to consolidate the financial situation of a business hit by an economic setback and to finance its temporary cash needs as part of a recovery or adjustment plan. The current presentation of the scheme notably mentions temporarily paying salaries and associated social security charges during a limited period of cash-flow strain. This is repayable funding: it should not be treated as a grant covering ordinary investments.
Amount and funding terms
Form: repayable advance, not a grant. Amount: from €50,000 to €300,000. Term: 5 years, with a one-year capital repayment deferral. Rate: three-month Euribor + 150 basis points, with a floor of 0% at the time of application. Mandatory co-financing: for bank financing below the balance sheet line, the co-financing must be twice the amount of the Hauts-de-France Prévention advance; for equity, quasi-equity or capital contribution financing, it must equal the amount of the advance. The final amount depends on the analysis of the application and the financing plan.
How to apply
1. Carry out a cash-flow diagnosis: a 13-week forecast, supplier and social security payment dates, late customer payments and funding need. 2. Prepare the accounts for the last three financial years, a recent interim statement and a plan to return to balance. 3. Build the co-financing in parallel with the bank or investors: the level expected depends on the form of co-financing. 4. Contact the local Chamber of Commerce (CCI) or the relevant regional department to confirm the application route and documents expected. 5. Present the use of the funding, the amount requested and the repayment schedule in a consistent plan.
Timeline
The scheme appears in the regional references and in the aid catalogue updated in 2026. The review timetable and the availability of funds must be confirmed with the Hauts-de-France Region or the relevant CCI before finalising the application.
Key facts
- Funder
- Région Hauts-de-France
- Type of funding
- Repayable advance
- Status
- Ongoing
- Maximum amount
- €300,000
- Automatically extracted — check the official source
- Minimum amount
- €50,000
- Automatically extracted — check the official source
- Geographic scope
- Hauts-de-France
Frequently asked questions
What amount can the business obtain?
The repayable advance is between €50,000 and €300,000, over five years with a one-year capital deferral.
Is it a grant?
No. It is a repayable advance. The rate is based on the three-month Euribor + 150 basis points, with a floor of 0% at the time of application.
What co-financing is needed?
Bank financing below the balance sheet line must be twice the amount of the advance. Equity, quasi-equity or capital contribution financing must equal the amount of the advance.
Which costs can be covered?
The fund targets temporary cash needs within a consolidation plan, which may include temporarily paying salaries and social security charges, depending on the conditions in force.
Official source
No official URL is available in our data for this grant.
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