Participatory Loan — Grand Est
The scheme covers a growth or development project for a business located in the Grand Est. Operations mentioned in the catalogue: growth or development projects. Not eligible: cash-out operations financing the buy-back or exit of shares (including shareholder current accounts) or the payment of dividends to shareholders; acquisition of shares in external companies or within the same group; fines, financial penalties, legal and litigation costs, exemptions from charges; overdraft fees, bank charges and other financial charges; costs linked to leasing contracts, such as the lessor’s margin, interest refinancing costs, overheads, insurance costs and self-build; any other expenditure subject to restrictions defined and applied in accordance with the EIF’s general policy on Restricted Sectors. To prepare an application, present the development programme, its expected profitability, the financing needs and the exclusions to avoid. The criteria and conditions below come from the catalogue and must be compared with the up-to-date official rules.
Prêt participatif Grand Est aims to help businesses become more competitive and accelerate their development. In practice, the scheme covers a growth or development project for a business located in the Grand Est. Before including it in your financing plan, check the area covered (local scheme), the company’s profile and the current financial terms.
Funded by Financeurs privés, Région Grand Est
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Who can apply
Beneficiaries mentioned in the catalogue: micro-businesses and SMEs meeting minimum financial fundamentals, notably a Banque de France rating of 6+ or better. Not eligible: purely financial or property development activities; projects concerning agricultural, fishery or aquaculture products.
Eligibility conditions
The detailed conditions are not specified in the information available. Ask the funder for the admission criteria, exclusions, mandatory co-financing, combination rules and any deadline.
What the scheme covers
Operations and exclusions mentioned in the catalogue: growth or development projects. Not eligible: cash-out operations financing the buy-back or exit of shares (including shareholder current accounts) or the payment of dividends to shareholders; acquisition of shares in external companies or within the same group; fines, financial penalties, legal and litigation costs, exemptions from charges; overdraft fees, bank charges and other financial charges; costs linked to leasing contracts, such as the lessor’s margin, interest refinancing costs, overheads, insurance costs and self-build; any other expenditure subject to restrictions defined and applied in accordance with the EIF’s general policy on Restricted Sectors.
Amount and funding terms
Amount and terms listed in the catalogue: a loan of up to €500,000, with a repayment deferral of 2 to a maximum of 5 years and capital amortisation over at least 5 years, at a preferential rate compared with usual market conditions that varies by banking partner, and benefiting from a free 80% guarantee from the Grand Est Region for up to 10 years. The loan’s interest rate cannot exceed the 1-month EURIBOR applicable on the date the loan is signed + 4%.
How to apply
1. Check that the company, the area and the project fall within the scope of Prêt participatif Grand Est. 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
- Financeurs privés, Région Grand Est
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €500,000
- Automatically extracted — check the official source
- Geographic scope
- Grand Est
Frequently asked questions
What need does Prêt participatif Grand Est cover?
A growth or development project for a business located in the Grand Est.
How much can be obtained?
Amount and terms listed in the catalogue: a loan of up to €500,000, with a repayment deferral of 2 to a maximum of 5 years and capital amortisation over at least 5 years, at a preferential rate compared with usual market conditions that varies by banking partner, and benefiting from a free 80% guarantee from the Grand Est Region for up to 10 years. The loan’s interest rate cannot exceed the 1-month EURIBOR applicable on the date the loan is signed + 4%.
Which companies can apply?
Beneficiaries mentioned in the catalogue: micro-businesses and SMEs meeting minimum financial fundamentals, notably a Banque de France rating of 6+ or better. Not eligible: purely financial or property development activities; projects concerning agricultural, fishery or aquaculture products.
What should I prepare first?
Present the development programme, its expected profitability, the financing needs and the exclusions to avoid. Then check the official documents required.
Official source
No official URL is available in our data for this grant.
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