Business Transfer Loan — Grand Est
The scheme covers: finance the takeover or transfer of a company. Operations listed in the catalogue: assets (business, business unit, equipment and working capital); shares in a company (majority purchase); repayment of sellers’ shareholder current accounts linked to the purchase; and, on an ancillary basis, working capital needs. The loan cannot exceed 40% of the overall LBO debt. To prepare the application, describe the project, costs, beneficiaries, supporting documents and timetable, then compare them with the official rules. The detailed conditions must be checked in the official source before any application or declaration.
The Prêt transmission Grand Est aims to finance the takeover or transfer of a company. The key point is to check the beneficiary profile, the area covered (local scheme) and the current conditions before counting on the benefit in the company’s budget.
Funded by Bpifrance, Région Grand Est
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Who can apply
Beneficiaries listed in the catalogue: SMEs or micro-businesses (EU definition) based in the Grand Est region, created more than 3 years ago and planning to take over a company, either through a holding company set up by individuals or as an existing company’s external growth. Non-eligible sectors: financial intermediation (NAF K64, except 64.2 for company acquisitions and except fintechs); property development and rental (NAF L68.1, L68.2 and F41.1), except property holding companies financing property to be rented to an eligible company whose partners hold the SCI’s capital; agricultural businesses (NAF A01 and A02) with revenue below €750,000; liberal professions; family transfers; local shops, restaurants, bars and tobacconists, and franchised activities, unless located in the areas covered by the Grand Est Region’s rural pact; and companies in difficulty under EU rules.
Eligibility conditions
Conditions listed in the catalogue: the loan must always be accompanied by a bank loan of at least 5 years. The associated bank financing may be guaranteed by Bpifrance under the current rules and rate conditions.
What the scheme covers
Operations and exclusions indicated in the catalogue: assets (business, business unit, equipment and working capital); shares in a company (majority purchase); repayment of sellers’ shareholder current accounts linked to the purchase; and, on an ancillary basis, working capital needs. The loan cannot exceed 40% of the overall LBO debt.
Amount and funding terms
Amount and terms indicated in the catalogue: a loan up to the amount of the company’s equity and quasi-equity, between €40,000 and €650,000, for a term no longer than the bank loan’s — 5, 6 or 7 years with a capital deferral of up to 24 months — with straight-line quarterly amortisation of the capital and 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 on disbursement.
How to apply
1. Check that the beneficiary and the operation meet the scheme’s criteria. 2. Confirm the amount, caps, exclusions and timetable with the relevant body. 3. Gather the administrative, financial and technical supporting documents. 4. Submit the application following the official procedure and keep the acknowledgement of receipt. 5. Keep the decision and supporting documents.
Timeline
The applicable timetable must be confirmed in the official source. Check the eligible spending period, the application deadline and any transitional rules.
Key facts
- Funder
- Bpifrance, Région Grand Est
- Type of funding
- Loan
- Status
- Ongoing
- Maximum amount
- €650,000
- Automatically extracted — check the official source
- Minimum amount
- €40,000
- Automatically extracted — check the official source
- Geographic scope
- Grand Est
Frequently asked questions
What is the Prêt transmission Grand Est for?
Finance the takeover or transfer of a company.
What benefit is provided?
Amount and terms indicated in the catalogue: a loan up to the amount of the company’s equity and quasi-equity, between €40,000 and €650,000, for a term no longer than the bank loan’s — 5, 6 or 7 years with a capital deferral of up to 24 months — with straight-line quarterly amortisation of the capital and 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 on disbursement.
Who can benefit?
Beneficiaries listed in the catalogue: SMEs or micro-businesses (EU definition) based in the Grand Est region, created more than 3 years ago and planning to take over a company, either through a holding company set up by individuals or as an existing company’s external growth. Non-eligible sectors: financial intermediation (NAF K64, except 64.2 for company acquisitions and except fintechs); property development and rental (NAF L68.1, L68.2 and F41.1), except property holding companies financing property to be rented to an eligible company whose partners hold the SCI’s capital; agricultural businesses (NAF A01 and A02) with revenue below €750,000; liberal professions; family transfers; local shops, restaurants, bars and tobacconists, and franchised activities, unless located in the areas covered by the Grand Est Region’s rural pact; and companies in difficulty under EU rules.
Which supporting documents should I prepare?
Describe the project, costs, beneficiaries, supporting documents and timetable, then compare them with the official rules. Check the official list of documents to attach.
Official source
No official URL is available in our data for this grant.
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