Business Transfer Loan
The scheme covers business takeover or transfer and structuring the acquisition financing. Operations mentioned in the catalogue: eligible projects: transfer of a majority of the capital or voting rights or, where applicable, of a minority stake intended to become a majority within a set period, evidenced by contract; acquisition by majority shareholder(s) of a minority stake when the operation is essential to the company’s development; acquisition of a business (fonds de commerce). Eligible takeovers: either through a holding company set up by individuals (LBO), or by existing companies as part of their external growth. To prepare an application, document the scope of the takeover, the price, the financing plan, the bank debt and the company’s trajectory after the transfer. The criteria and conditions below come from the catalogue and must be compared with the up-to-date official rules.
The Prêt transmission aims to support the takeover or transfer of a company. In practice, the scheme covers business takeover or transfer and structuring the acquisition financing. Before including it in your financing plan, check the area covered (national scheme), the company’s profile and the current financial terms.
Funded by Bpifrance
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Who can apply
Beneficiaries mentioned in the catalogue: micro-businesses and SMEs in mainland France and the overseas departments and regions (DROM), created more than 3 years ago and able to provide accounts (balance sheet and income statement) covering 24 months of activity. Not eligible: companies in the overseas collectivities (COM).
Eligibility conditions
Conditions listed in the catalogue: this loan must always be accompanied by a bank loan of at least 5 years.
What the scheme covers
Operations and exclusions mentioned in the catalogue: eligible projects: transfer of a majority of the capital or voting rights or, where applicable, of a minority stake intended to become a majority within a set period, evidenced by contract; acquisition by majority shareholder(s) of a minority stake when the operation is essential to the company’s development; acquisition of a business (fonds de commerce). Eligible takeovers: either through a holding company set up by individuals (LBO), or by existing companies as part of their external growth.
Amount and funding terms
Amount and terms listed in the catalogue: a loan of €40,000 to €1,500,000, not exceeding 40% of the overall LBO debt, over 5, 6 or 7 years with a capital deferral of up to 24 months; at a fixed rate or a variable rate based on 3-month Euribor (convertible to fixed) according to the current scale; with no security on the company’s assets or the manager’s personal assets. Only a guarantee deposit of 5% of the loan amount is withheld; it is returned with the interest earned once the loan is fully repaid. No collateral or personal guarantees. Death and total permanent disability insurance on the manager is mandatory.
How to apply
1. Check that the company, the area and the project fall within the scope of the Prêt transmission. 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
- €1,500,000
- Automatically extracted — check the official source
- Minimum amount
- €40,000
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
What need does the Prêt transmission cover?
Business takeover or transfer and structuring the acquisition financing.
How much can be obtained?
Amount and terms listed in the catalogue: a loan of €40,000 to €1,500,000, not exceeding 40% of the overall LBO debt, over 5, 6 or 7 years with a capital deferral of up to 24 months; at a fixed rate or a variable rate based on 3-month Euribor (convertible to fixed) according to the current scale; with no security on the company’s assets or the manager’s personal assets. Only a guarantee deposit of 5% of the loan amount is withheld; it is returned with the interest earned once the loan is fully repaid. No collateral or personal guarantees. Death and total permanent disability insurance on the manager is mandatory.
Which companies can apply?
Beneficiaries mentioned in the catalogue: micro-businesses and SMEs in mainland France and the overseas departments and regions (DROM), created more than 3 years ago and able to provide accounts (balance sheet and income statement) covering 24 months of activity. Not eligible: companies in the overseas collectivities (COM).
What should I prepare first?
Document the scope of the takeover, the price, the financing plan, the bank debt and the company’s trajectory after the transfer. Then check the official documents required.
Official source
No official URL is available in our data for this grant.
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