Pays de la Loire Micro-enterprise/SME Loan
This loan targets established companies, not start-ups or business transfers. It can finance certain investments or cash needs linked to development, subject to criteria on company age, headcount and equity.
An SME may have a profitable project but struggle to finance an intangible investment, equipment that offers little bank collateral, or a temporary increase in working capital needs. The Pays de la Loire Prêt TPE/PME supports the development of regional companies with an unsecured loan, alongside bank financing.
Funded by Bpifrance, Région Pays de la Loire
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Who can apply
The catalogue targets duly registered companies created more than three years ago that have produced two balance sheets of at least twelve months, with 3 to 50 employees and up to date with their tax and social obligations. Financial intermediation, property development/rental and certain sectors regulated by the scheme are excluded; check the full list before applying.
Eligibility conditions
The loan targets companies already trading and structured enough to present annual accounts. The amount requested must be consistent with equity or quasi-equity and the financing plan. According to the catalogue, start-ups, business transfers and financial restructuring are not covered.
What the scheme covers
Targeted costs: intangible investments, tangible investments with little collateral value, and working capital needs linked to development, where banks are more reluctant to lend. The project must be treated as a development project, not as a start-up or business transfer.
Amount and funding terms
The catalogue states a loan of €10,000 to €50,000, unsecured, over five years including a one-year deferral of capital repayment. The amount cannot exceed the borrower’s equity or quasi-equity. Check the rate, the applicable state aid scheme and the current conditions with the funder.
How to apply
Prepare the last two balance sheets, recent interim accounts, a cash-flow plan, a breakdown of costs, equity and quasi-equity, and the bank loans requested. Contact the regional contact or the reviewing partner to confirm eligibility and current terms before finalising the financing plan. Reference source: https://www.paysdelaloire.fr/les-aides/pays-de-la-loire-prets-tpe/pme
Timeline
No general closing date is indicated. Availability of the loan and its financial terms must be confirmed before finalising the financing.
Key facts
- Funder
- Bpifrance, Région Pays de la Loire
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €50,000
- Automatically extracted — check the official source
- Minimum amount
- €10,000
- Automatically extracted — check the official source
- Geographic scope
- Pays de la Loire
Frequently asked questions
How much can I borrow?
The catalogue states a loan of €10,000 to €50,000, within the limit of equity or quasi-equity.
Is a start-up eligible?
Not according to the catalogue: the scheme targets companies more than three years old with two balance sheets of at least twelve months.
Which costs are targeted?
Certain tangible or intangible investments and working capital needs linked to development.
Official source
No official URL is available in our data for this grant.
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