Transfer Growth Loan
The catalogue entry describes a loan of €50,000 to €5 million for companies more than three years old, with parameters depending on the transaction and the overall debt. It can support the transfer of a majority of the capital, certain strategic minority acquisitions or the acquisition of a business (fonds de commerce). Compatibility with the legal and bank structure must be validated by Bpifrance.
Taking over a business may require financing part of the transaction while preserving the cash needed to keep the business running. The Prêt Croissance Transmission is presented in Bpifrance’s catalogue as financing for certain transfer operations, notably through an acquisition holding company or as part of external growth. The precise conditions must be confirmed before structuring the deal.
Funded by Bpifrance
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Who can apply
The entry targets micro-businesses, SMEs and mid-caps created more than three years ago, able to provide accounts covering at least 24 months of activity. The structure must match an eligible takeover or transfer operation. Have the thresholds, exclusions, accounting requirements and conditions for both the target company and the buyer confirmed.
Eligibility conditions
The catalogue describes in particular an acquisition through a holding company set up by individuals (LBO) or by an existing company as part of its external growth. The financing can cover a majority of the capital or voting rights, certain strategic minority stakes or a business (fonds de commerce). Have the structure, overall debt, co-financing and security validated before signing.
What the scheme covers
Operations listed: acquisition of a majority of the capital or voting rights, acquisition of a minority stake intended to become a majority, a minority stake essential to the company’s development, and acquisition of a business. Eligibility depends on the exact legal structure and Bpifrance’s criteria.
Amount and funding terms
Catalogue parameters: a loan of €50,000 to €5,000,000, over 3 to 7 years, with up to 2 years of capital deferral. The amount cannot exceed 40% of the overall LBO debt. The entry mentions a fixed rate according to the current scale, arrangement fees and a 5% guarantee deposit. These parameters may change: ask for an official simulation and check the specific conditions for hotels or other sectors.
How to apply
Before signing the sale agreement or finalising the financing plan, send Bpifrance the acquisition structure, the target’s accounts, the price, the planned debt, the equity contributions and the timetable. Ask for validation of the transaction’s eligibility and a simulation including rate, fees, deferral and any guarantee deposit.
Timeline
The loan is listed in the Bpifrance catalogue, but the current conditions must be confirmed at the time of the project. The timetable depends on the application and the validation of the structure.
Key facts
- Funder
- Bpifrance
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €5,000,000
- Automatically extracted — check the official source
- Minimum amount
- €50,000
- Automatically extracted — check the official source
- Funding rate
- 40%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who is this scheme for?
The entry targets micro-businesses, SMEs and mid-caps created more than three years ago, able to provide accounts covering at least 24 months of activity. The structure must match an eligible takeover or transfer operation. Have the thresholds, exclusions, accounting requirements and conditions for both the target company and the buyer confirmed.
What amount or rate can be obtained?
Catalogue parameters: a loan of €50,000 to €5,000,000, over 3 to 7 years, with up to 2 years of capital deferral. The amount cannot exceed 40% of the overall LBO debt. The entry mentions a fixed rate according to the current scale, arrangement fees and a 5% guarantee deposit. These parameters may change: ask for an official simulation and check the specific conditions for hotels or other sectors.
Which conditions should I check?
The catalogue describes in particular an acquisition through a holding company set up by individuals (LBO) or by an existing company as part of its external growth. The financing can cover a majority of the capital or voting rights, certain strategic minority stakes or a business (fonds de commerce). Have the structure, overall debt, co-financing and security validated before signing.
Which costs or operations are covered?
Operations listed: acquisition of a majority of the capital or voting rights, acquisition of a minority stake intended to become a majority, a minority stake essential to the company’s development, and acquisition of a business. Eligibility depends on the exact legal structure and Bpifrance’s criteria.
Official source
No official URL is available in our data for this grant.
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