Pays de la Loire Business Loan
The loan is unallocated and unsecured; it can support a development project or help an industrial business through a cyclical difficulty. The Region acts on a subsidiary and complementary basis with banks, investors and shareholders.
An industrial project for growth, relocation, diversification or takeover may require patient funding, especially when cash needs or intangible costs are hard to finance with a standard bank loan. Pays de la Loire Prêt Entreprise is a regional loan for industrial businesses in Pays de la Loire, alongside private funders.
Funded by Région Pays de la Loire
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Who can apply
Industrial businesses located in Pays de la Loire. The scheme is not aimed indiscriminately at all regional businesses: the industrial activity and the scale of the project are central.
Eligibility conditions
The Region acts alongside a funding round and in compliance with EU regulations. The application must present the need, the economic trajectory, the jobs and skills concerned and the other funding requested. Being non-dilutive means it is a loan, not an equity investment.
What the scheme covers
The regional fiche cites major investments, external growth, the takeover or transfer of a family SME, diversification, relocating production, working capital requirements and certain intangible costs. The scheme can cover a defensive strand to preserve activity or an offensive development strand.
Amount and funding terms
The official fiche consulted indicates a loan of €50,000 to €2,000,000, with no guarantee or additional costs. It shows an APR (TEG) of 1.9%, while other pages or catalogue versions may show older rates: the rate, maturity and deferral must be confirmed with the Region before building the financing plan.
How to apply
1) Present the project and funding need to the Regional Directorate for Enterprise and Innovation. 2) Prepare the accounts, cash-flow plan, investment programme, forecasts and funding round. 3) Clarify the bank or private lending already planned. 4) Have the applicable rate and terms confirmed. Official source: https://www.paysdelaloire.fr/les-aides/pays-de-la-loire-pret-entreprise
Timeline
The fiche gives no general deadline. The loan is considered case by case; contact the Region early enough to fit its review into the project timetable.
Key facts
- Funder
- Région Pays de la Loire
- Type of funding
- Grant
- Status
- Ongoing
- Maximum amount
- €2,000,000
- Automatically extracted — check the official source
- Minimum amount
- €50,000
- Automatically extracted — check the official source
- Funding rate
- 3%
- Automatically extracted — check the official source
- Geographic scope
- Pays de la Loire
Frequently asked questions
Who can apply for this loan?
Industrial businesses in Pays de la Loire with a substantial project.
What amount is announced?
From €50,000 to €2 million. The exact rate and conditions must be confirmed with the Region.
Does the loan require a guarantee?
The regional fiche presents it as an unsecured loan, alongside private funders.
Official source
No official URL is available in our data for this grant.
Other grants of type “grant”
Other grants from Région Pays de la Loire
Related needs and funding
Competitive calls for projects
Ecological transition and CSR
Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
Discover the funding that fits your company
Check your eligibility for public grants
This scheme is only one of the grants your company may be able to access. Run a personalised scan to identify the funding opportunities that match your activity, location and project.
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