Action Cœur de Ville Plan – Pre-guarantee
It is not a grant paid directly to the business. The pre-guarantee is part of a support process and can be converted into a guarantee with the bank chosen by the business, under the conditions of the programme and its partners.
A shop or local business in a town centre may have a project that helps revitalise the area but lack sufficient guarantees to obtain credit. The Action Cœur de Ville pre-guarantee mechanism aims to make bank financing easier to obtain by securing the project and preparing a possible guarantee.
Funded by SIAGI
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Who can apply
The catalogue mentions craftspeople, retailers and liberal professions with fewer than 50 employees, turnover below €15 million or a balance sheet total below €7.5 million, whatever their legal form. The geographical perimeter and the criteria linked to the Action Cœur de Ville programme should be confirmed for the project concerned.
Eligibility conditions
The business must be within the programme’s perimeter and present a bankable project. The scheme follows a pre-guarantee process and does not replace the bank’s risk analysis. Have the eligibility of the location, the financing plan and the conditions for conversion into a guarantee checked by the competent operator.
What the scheme covers
The mechanism aims to make bank financing easier for town-centre business projects, for example investment or development operations eligible under the programme. The pre-guarantee aims to strengthen the business owner’s application, then be converted into a guarantee with the chosen bank, subject to the scheme’s rules.
Amount and funding terms
The applicable pre-guarantee amount or percentage has not been confirmed by a current official page. The cover, any fees and the conversion into a guarantee should be specified by the scheme’s operator before any bank decision.
How to apply
1) Check that the address and the project fall under the Action Cœur de Ville programme. 2) Contact the operator or financial partner in charge of the pre-guarantee. 3) Prepare the accounts, quotes, financing plan and bank proposal. 4) Have the level of cover, costs and conversion conditions confirmed in writing before finalising the loan.
Timeline
The scheme depends on the local perimeter, the partner operators and the funds available. The current timetable has not been confirmed; find out before treating the pre-guarantee as secured in the financing plan.
Key facts
- Funder
- SIAGI
- Type of funding
- Guarantee
- Status
- Ongoing
- Maximum amount
- €4,000,000
- Automatically extracted — check the official source
- Minimum amount
- €50,000
- Automatically extracted — check the official source
- Funding rate
- 70%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Is it a grant?
No. The catalogue describes a pre-guarantee mechanism designed to make a bank loan easier to obtain.
Who may be concerned?
The catalogue targets certain craftspeople, retailers and liberal professions, subject to conditions on headcount, turnover or balance sheet and perimeter.
What is the cover rate?
It has not been confirmed by a current official page; ask the operator before finalising the financing.
Official source
No official URL is available in our data for this grant.
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