Micro-enterprise Growth Loan — Île-de-France
The scheme described in the catalogue finances a development project for a small business in Île-de-France: compliance upgrades, training, sales recruitment, prospecting, advertising, certain equipment and the increase in working capital linked to the project. The catalogue mentions a loan of €10,000 to €50,000 per year, subject to conditions on company age, headcount, growth and equity. Check that this regional offer is still available.
The Prêt Croissance TPE Île-de-France was designed to help small businesses in the region finance a growth stage when investment or working capital needs are hard to cover with a standard loan. The catalogue describes a loan with no security on the company’s assets, intended in particular for intangible costs and equipment that is hard to pledge as collateral. The current terms must be confirmed with Bpifrance before starting an application.
Funded by Bpifrance, Région Ile-de-France
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Who can apply
The catalogue targets companies with fewer than 50 employees, more than 3 years old and with two balance sheets, carrying out most of their activity in Île-de-France and forecasting overall revenue growth of at least 5% a year. Financial strength and legal form must also be checked. Confirm the criteria applicable on the date of application.
Eligibility conditions
The application must present an identifiable development project and its financing plan. The catalogue excludes financial restructuring and business transfers. Have any co-financing requirements, equity rules and current exclusions confirmed before finalising the budget.
What the scheme covers
Costs listed in the catalogue: compliance upgrades, environment and safety, training of production staff, relocation, sales recruitment and training, prospecting, advertising, fit-out works, IT equipment or equipment designed for the company’s own needs. An increase in working capital can be included if it results from the development. Financial restructuring and business transfer costs are excluded according to the catalogue entry.
Amount and funding terms
Parameters listed in the catalogue: a loan of €10,000 to €50,000 per year, over 5 years with a one-year capital repayment deferral. The amount cannot exceed the borrower’s equity or quasi-equity. These figures do not confirm the offer currently available: have the budget, rate, fees and conditions confirmed by Bpifrance.
How to apply
Start by checking with Bpifrance that the loan is still offered in Île-de-France. Prepare the last two balance sheets, a revenue forecast, a cash-flow plan, quotes and an explanation of the expected impact of the investments. Then ask for the list of documents and the current application procedure.
Timeline
Current availability and application timetable to be confirmed. Do not treat this loan as open until Bpifrance has confirmed it is still offered and on what terms.
Key facts
- Funder
- Bpifrance, Région Ile-de-France
- 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
- Île-de-France
Frequently asked questions
Who is this scheme for?
The catalogue targets companies with fewer than 50 employees, more than 3 years old and with two balance sheets, carrying out most of their activity in Île-de-France and forecasting overall revenue growth of at least 5% a year. Financial strength and legal form must also be checked. Confirm the criteria applicable on the date of application.
What amount or rate can be obtained?
Parameters listed in the catalogue: a loan of €10,000 to €50,000 per year, over 5 years with a one-year capital repayment deferral. The amount cannot exceed the borrower’s equity or quasi-equity. These figures do not confirm the offer currently available: have the budget, rate, fees and conditions confirmed by Bpifrance.
Which conditions should I check?
The application must present an identifiable development project and its financing plan. The catalogue excludes financial restructuring and business transfers. Have any co-financing requirements, equity rules and current exclusions confirmed before finalising the budget.
Which costs or operations are covered?
Costs listed in the catalogue: compliance upgrades, environment and safety, training of production staff, relocation, sales recruitment and training, prospecting, advertising, fit-out works, IT equipment or equipment designed for the company’s own needs. An increase in working capital can be included if it results from the development. Financial restructuring and business transfer costs are excluded according to the catalogue entry.
Official source
No official URL is available in our data for this grant.
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