R&D Innovation Loan
The catalogue entry mentions a loan of up to €3 million for SMEs and certain companies with fewer than 2,000 employees. The costs listed include staff, running costs, equipment, prototypes, pre-series, pilots and certain intellectual property or market research costs. The financing conditions and the project’s eligibility must be confirmed with Bpifrance.
Research and development projects often require financing prototypes, tests or pilot installations before commercialisation. The Prêt Innovation R&D is described in the Bpifrance catalogue as financing for these upstream phases, where costs are directly linked to the innovation programme. This work must be distinguished from routine production and marketing costs, which the entry excludes.
Funded by Bpifrance
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Who can apply
The catalogue targets SMEs and certain large companies with fewer than 2,000 employees. It lists exclusions notably for individuals, sole traders, laboratories and public institutions, companies in difficulty under EU rules and companies not up to date with their tax and social obligations. The definition of an eligible beneficiary must be validated with Bpifrance for the project concerned.
Eligibility conditions
The programme must be at the research, development or innovation stage, before industrial or commercial launch. Costs incurred before the application is submitted are listed as ineligible in the catalogue entry. Prepare a technical description, an R&D timetable, a budget by item, evidence of the innovative nature of the project and a financing plan.
What the scheme covers
The entry lists internal or external staff, running and equipment costs directly linked to the programme: prototypes, pre-series, pilot or demonstration installations, patent filing and extension for SMEs, and certain market studies. Production and marketing costs are excluded. Confirm how costs already incurred are treated and the current definition of eligible costs.
Amount and funding terms
Parameters in the catalogue: up to €3,000,000, within the limit of twice the borrower’s equity and quasi-equity, over 5 to 8 years with 1 to 3 years of capital deferral, at a fixed rate. These parameters must be confirmed in the current documentation, notably the cap, rate, fees and any project-specific terms.
How to apply
Before committing any costs, present the programme to Bpifrance and check its fit with the financing product offered. Prepare the R&D budget, timetable, quotes, technical elements and the company’s accounts. Ask for the list of documents and the rules on which costs are taken into account as of the submission date.
Timeline
The catalogue entry alone does not confirm the current marketing conditions. Check the product available and submit the application before incurring costs that could be included.
Key facts
- Funder
- Bpifrance
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €3,000,000
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who is this scheme for?
The catalogue targets SMEs and certain large companies with fewer than 2,000 employees. It lists exclusions notably for individuals, sole traders, laboratories and public institutions, companies in difficulty under EU rules and companies not up to date with their tax and social obligations. The definition of an eligible beneficiary must be validated with Bpifrance for the project concerned.
What amount or rate can be obtained?
Parameters in the catalogue: up to €3,000,000, within the limit of twice the borrower’s equity and quasi-equity, over 5 to 8 years with 1 to 3 years of capital deferral, at a fixed rate. These parameters must be confirmed in the current documentation, notably the cap, rate, fees and any project-specific terms.
Which conditions should I check?
The programme must be at the research, development or innovation stage, before industrial or commercial launch. Costs incurred before the application is submitted are listed as ineligible in the catalogue entry. Prepare a technical description, an R&D timetable, a budget by item, evidence of the innovative nature of the project and a financing plan.
Which costs or operations are covered?
The entry lists internal or external staff, running and equipment costs directly linked to the programme: prototypes, pre-series, pilot or demonstration installations, patent filing and extension for SMEs, and certain market studies. Production and marketing costs are excluded. Confirm how costs already incurred are treated and the current definition of eligible costs.
Official source
No official URL is available in our data for this grant.
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