Micro-enterprise Growth Loan — Grand Est
The catalogue mentions a loan of €10,000 to €50,000, over five years with a one-year capital deferral. It targets certain small businesses more than three years old, with three to fifty employees, that have produced two balance sheets and are incorporated as companies. Additional financing of at least an equivalent amount is required, and certain activities are excluded.
Are you growing a small business in the Grand Est region and want to finance investment, hiring, training or working capital needs linked to growth? The catalogue describes an unsecured regional loan, combined with additional financing. Before using it, check with Bpifrance or the Region whether the product is still open and which rules apply.
Funded by Bpifrance, Région Grand Est
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Who can apply
The catalogue targets small businesses more than three years old, with three to fifty employees, that have produced two balance sheets of at least twelve months and are incorporated as companies. It lists exclusions notably for property holding companies (SCI), sole traders, certain financial and property activities, and certain agricultural activities.
Eligibility conditions
The catalogue requires matching financing for the same investment programme, of at least an equivalent amount, arranged within the last six months. It can take the form of a bank loan of at least two years, equity or quasi-equity contributions, or crowdfunding. Financial restructuring and business transfers are excluded. Check all these conditions in the current offer.
What the scheme covers
The costs described include intangible investments and tangible investments with little collateral value: recruitment, training, compliance upgrades, audits, fit-out, relocation, renovation, prospecting, marketing, websites, software, prototypes and IT equipment. The increase in working capital linked to development is also mentioned. Restructuring and business transfers are excluded.
Amount and funding terms
The catalogue states an unsecured loan of €10,000 to €50,000, over five years with a one-year capital deferral, capped at the amount of equity or quasi-equity. These parameters must be confirmed in the current offer. The catalogue also mentions a de minimis framework; check the rules applicable on the date of application.
How to apply
Contact Bpifrance or the regional department to check the availability of the loan. Prepare the two balance sheets, the investment programme, proof of co-financing, quotes and the cash-flow forecast. Have the size criteria, sector exclusions and state aid framework confirmed before signing.
Timeline
Current availability and application terms to be confirmed with Bpifrance or the Grand Est Region.
Key facts
- Funder
- Bpifrance, Région Grand Est
- 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
- Grand Est
Frequently asked questions
What amount does the catalogue indicate?
€10,000 to €50,000, over five years with a one-year deferral, to be confirmed.
Must the loan be co-financed?
Yes, the catalogue requires matching financing of at least an equivalent amount for the same programme.
Which costs are targeted?
Certain intangible investments and tangible investments with little collateral value, as well as working capital linked to development, under the applicable rules.
Official source
No official URL is available in our data for this grant.
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