Overseas Development Loan (PDOM)
The scheme covers supporting SMEs in France’s overseas territories by strengthening their working capital and financing intangible investment. Operations mentioned in the catalogue: costs linked to an increase in working capital as the business develops, or to carry out a tangible or intangible investment programme: intangible investment (compliance upgrades for environment and safety, training and recruitment, prospecting new markets, communication, etc.); tangible investment with little collateral value (equipment designed or built by the company for its own needs, IT equipment, etc.); the increase in working capital generated by the development project, including the tax credit for productive investment overseas; and external growth (share purchases by an existing group giving it at least a majority stake after the transaction). To prepare an application, present the project, its timetable, costs, expected results and the associated financing plan. The criteria and conditions below come from the catalogue and must be compared with the up-to-date official rules.
The Prêt de Développement Outre-Mer (PDOM) aims to support SMEs in France’s overseas territories by strengthening their working capital and enabling them to finance intangible investment. The PDOM is modelled on the Prêts de Développement Territorial (regional development loans) and receives financial support from the French State. In practice, the scheme covers supporting SMEs in France’s overseas territories by strengthening their working capital and financing intangible investment. Before including it in your financing plan, check the area covered (local scheme), the company’s profile and the current financial terms.
Funded by Bpifrance
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
Beneficiaries mentioned in the catalogue: SMEs under the current EU definition that are eligible for the Bpifrance guarantee, in all sectors, carrying out most of their activity in the overseas departments and regions (Guadeloupe, French Guiana, Martinique, Mayotte and Réunion), the overseas collectivities (French Polynesia, Saint-Barthélemy, Saint-Martin, Saint-Pierre-et-Miquelon and Wallis and Futuna) or New Caledonia, or setting up there. Not eligible: property holding companies (SCI), sole traders, financial intermediation, property development and rental, agricultural businesses with revenue below €750k, and companies in difficulty.
Eligibility conditions
Conditions listed in the catalogue: the beneficiary must be up to date with social security and tax contributions, and combine the PDOM with matching financing on a 1-to-1 basis: a bank loan of at least 2 years, equity contributions from shareholders or development capital firms, or crowdfunding over at least 2 years. The associated bank financing can benefit from a Bpifrance guarantee.
What the scheme covers
Operations and exclusions mentioned in the catalogue: costs linked to an increase in working capital as the business develops, or to carry out a tangible or intangible investment programme: intangible investment (compliance upgrades for environment and safety, training and recruitment, prospecting new markets, communication, etc.); tangible investment with little collateral value (equipment designed or built by the company for its own needs, IT equipment, etc.); the increase in working capital generated by the development project, including the tax credit for productive investment overseas; and external growth (share purchases by an existing group giving it at least a majority stake after the transaction).
Amount and funding terms
Amount and terms listed in the catalogue: a loan of €10,000 to €100,000 (€750,000 for companies more than 3 years old), up to the amount of the borrower’s equity and quasi-equity. The term is 2 to 5 years for companies less than 3 years old, and 2 to 7 years for those more than 3 years old. A capital deferral may be arranged.
How to apply
1. Check that the company, the area and the project fall within the scope of the Prêt de Développement Outre-Mer (PDOM). 2. Identify the costs or needs that can be financed and the exclusions. 3. Build a complete financing plan, including the required contributions and co-financing. 4. Prepare the accounts, forecasts, quotes and documents specific to the operation. 5. Have the written terms of the loan — rate, term, deferral, fees, guarantees and repayment conditions — confirmed before any decision.
Timeline
The opening timetable and deadline are not confirmed by the information available. Ask the funder for the deadlines, the review time and the rule on when the operation may start.
Key facts
- Funder
- Bpifrance
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €750,000
- Automatically extracted — check the official source
- Minimum amount
- €10,000
- Automatically extracted — check the official source
- Geographic scope
- Guadeloupe, Martinique, Guyane, La Réunion, Mayotte
Frequently asked questions
What need does the Prêt de Développement Outre-Mer (PDOM) cover?
Supporting SMEs in France’s overseas territories by strengthening their working capital and financing intangible investment.
How much can be obtained?
Amount and terms listed in the catalogue: a loan of €10,000 to €100,000 (€750,000 for companies more than 3 years old), up to the amount of the borrower’s equity and quasi-equity. The term is 2 to 5 years for companies less than 3 years old, and 2 to 7 years for those more than 3 years old. A capital deferral may be arranged.
Which companies can apply?
Beneficiaries mentioned in the catalogue: SMEs under the current EU definition that are eligible for the Bpifrance guarantee, in all sectors, carrying out most of their activity in the overseas departments and regions (Guadeloupe, French Guiana, Martinique, Mayotte and Réunion), the overseas collectivities (French Polynesia, Saint-Barthélemy, Saint-Martin, Saint-Pierre-et-Miquelon and Wallis and Futuna) or New Caledonia, or setting up there. Not eligible: property holding companies (SCI), sole traders, financial intermediation, property development and rental, agricultural businesses with revenue below €750k, and companies in difficulty.
What should I prepare first?
Present the project, its timetable, costs, expected results and the associated financing plan. Then check the official documents required.
Official source
No official URL is available in our data for this grant.
Other grants of type “loan”
Other grants from Bpifrance
Related needs and funding
Competitive calls for projects
Ecological transition and CSR
Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
Discover the funding that fits your company
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.