Classic Medium- or Long-Term Loan
A standard medium or long-term loan finances a company's long-term needs by spreading repayment over several years. It is not automatic support: approval depends on the bank's analysis of the project, the risk and the repayment capacity.
Productive investment is rarely financed from available cash alone. A medium or long-term business loan spreads the cost of equipment, works or another long-lived investment over several financial years. It is repayable bank financing, not a grant: the term, rate, security and repayment holiday must be negotiated with the lender according to the company's repayment capacity.
Funded by Bpifrance
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
Companies seeking bank financing for a long-lived investment, subject to the lender accepting the application. Conditions vary with the activity, age, accounts and type of project.
Eligibility conditions
The lender reviews the amount requested, the own contribution, cash flows, debt, security and repayment capacity. Compare the total cost of credit, fees, insurance, early repayment terms and any repayment holiday.
What the scheme covers
Can finance long-lived assets or projects such as equipment, works or growth investments, according to the bank's lending policy. Financing working capital or day-to-day expenses may fall under other products.
Amount and funding terms
The source page states the following terms: credit from €50,000, over 2 to 15 years.
How to apply
Build a financing plan with quotes, your own contribution, a cash-flow forecast and a repayment schedule. Approach several lenders and ask for an offer detailing the rate, fees, security, term and total cost. Check whether a guaranteed loan or additional support could reduce the risk, without confusing these schemes with the loan itself.
Timeline
Timescales and conditions are set by the lender after reviewing the application; this page guarantees no availability or rate.
Key facts
- Funder
- Bpifrance
- Type of funding
- Loan
- Status
- Ongoing
- Geographic scope
- All of France
Frequently asked questions
What is the standard medium or long-term loan for?
standard medium or long-term loan is listed in the catalogue as a business financing solution. The historical information on this page identifies its purpose and some parameters, but it is not enough on its own to confirm that the offer is still available on the same terms. Check the linked official page and confirm its status with the funder.
What are the amounts and conditions?
The source page states the following terms: credit from €50,000, over 2 to 15 years. Current eligibility conditions cannot be established from the available information; do not assume eligibility without confirmation from the funder.
How can I check whether the scheme is still available?
Visit the official page listed in the catalogue (https://www.bpifrance.fr/catalogue-offres/pret-a-moyen-ou-long-terme-classique). Check that the offer still exists, its access criteria and how to apply. If the page redirects or is unavailable, ask for confirmation. No closing date is confirmed in the catalogue. This does not mean the offer is open: check its current status with the funder.
Official source
No official URL is available in our data for this grant.
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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.
See the opportunities identified by the scan, then access your personalised report.