Oser — Guarantee Component
The scheme targets regional very small businesses and SMEs and can cover the funding of tangible or intangible assets (business goodwill, leasehold rights, software, etc.) as well as working capital requirements linked to the investments funded. The guarantee indicated is 80%, for an announced term of 12 to 120 months. The loan amount depends on the application and the de minimis aid already received. The flyer found dates from 2023: confirm with the Region or the operator whether the product and its parameters are still available in 2026.
Is your bank hesitant to finance an investment, a takeover or a cash need linked to your project? The OSER guarantee strand aims to make access to credit easier for very small businesses and SMEs in Bourgogne-Franche-Comté, notably young businesses with no banking history. The guarantee announced covers 80% of the eligible loan: it reduces the risk borne by the bank, but is not a grant paid directly to the business.
Funded by Région Bourgogne-Franche-Comté
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Who can apply
Very small businesses and SMEs located in Bourgogne-Franche-Comté, notably businesses being created or with no credit history, and businesses whose bank rating makes access to finance difficult. Eligibility must be examined with the bank and the guarantee operator.
Eligibility conditions
The guarantee is intended to facilitate a bank loan; the business must therefore present its project to a lender and meet the scheme’s conditions. De minimis aid already received may affect the amount available. As the source document available dates from 2023, have the rules, any fees, the exclusions and the current terms confirmed before treating the aid as available.
What the scheme covers
Financing covered in the catalogue: tangible and intangible assets, including leasehold rights, business goodwill and software, as well as working capital requirements directly linked to the investments funded. This is a loan guarantee, not direct coverage of the cost.
Amount and funding terms
Announced guarantee: 80% of the loan, for a term of 12 to 120 months. The 2023 flyer mentioned, as an indication, a loan of up to around €900,000 over ten years where no de minimis aid had been declared. This amount should not be treated as a current guaranteed cap: the amount depends on the bank, the project, the application and the applicable aid framework.
How to apply
1. Prepare a financing plan detailing the investment, working capital, own contribution and loan amount sought. 2. Contact your bank and mention the OSER guarantee strand. 3. Ask the bank or the operator to confirm that the scheme is open and its current parameters. 4. Declare precisely the de minimis aid already received and do not sign the financing before validating the conditions.
Timeline
The catalogue source refers to a regional flyer dated 2023. The status of the scheme and the conditions in force in 2026 must be confirmed with the Bourgogne-Franche-Comté Region or the guarantee operator.
Key facts
- Funder
- Région Bourgogne-Franche-Comté
- Type of funding
- Guarantee
- Status
- Ongoing
- Maximum amount
- €900,000
- Automatically extracted — check the official source
- Funding rate
- 80%
- Automatically extracted — check the official source
- Geographic scope
- Bourgogne-Franche-Comté
Frequently asked questions
Is it a grant?
No. It is a guarantee intended to facilitate a bank loan.
What share of the loan is guaranteed?
The 2023 flyer indicates 80%, subject to confirmation of the current conditions.
Can I fund my cash needs?
Working capital linked to the investments funded is mentioned; a standalone cash need must be confirmed with the operator.
Official source
No official URL is available in our data for this grant.
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