SIAGI - Aide aux entrepreneurs individuels
Amount or form of support: loan term: for guarantees of up to €50,000, 24 to 84 months with monthly or quarterly amortisation, with a possible deferral of up to 6 months; for guarantees of €50,000 to €2 million (case by case), 24 to 180 months with monthly, quarterly, half-yearly or annual amortisation, with a deferral depending on the project. Guarantee cover: for guarantees of up to €50,000, a fixed 50%; for guarantees of €50,000 to €2 million (case by case), 10% to 50% if the entrepreneur waives the separation of their business and personal assets, or 60% to 70% if they do not. Targeted costs or operations: all investments by sole traders. Point of attention: check the current offer with SIAGI and your bank.
Support sole traders (entrepreneurs individuels). It is aimed in particular at: craft, retail and liberal-profession businesses with fewer than 50 employees and revenue below €15 million or a balance sheet total below €7.5 million; micro-entrepreneurs are eligible for guarantees of up to €50,000. Geographical scope indicated: national aid.
Funded by SIAGI
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Who can apply
Guarantees of up to €50,000: crafts, retail and liberal professions, with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million; micro-entrepreneurs are eligible. Guarantees of €50,000 to €2 million (case by case): crafts, retail, liberal professions and agricultural businesses, with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million; micro-entrepreneurs are excluded.
Eligibility conditions
SIAGI offers a guarantee for business loans of up to €50,000, available notably to craftspeople, retailers and liberal professions, including micro-entrepreneurs. For this formula, the loan term can be up to 84 months; agriculture and restructuring operations are excluded. For larger loans, the conditions are assessed case by case and the scope of beneficiaries differs. The bank remains the decision-maker for the loan and the security requested: have the bank and SIAGI confirm the offer applicable to your project.
What the scheme covers
All investments by sole traders.
Amount and funding terms
Loan term: for guarantees of up to €50,000, 24 to 84 months with monthly or quarterly amortisation, with a possible deferral of up to 6 months; for guarantees of €50,000 to €2 million (case by case), 24 to 180 months with monthly, quarterly, half-yearly or annual amortisation, with a deferral depending on the project. Guarantee cover: for guarantees of up to €50,000, a fixed 50%; for guarantees of €50,000 to €2 million (case by case), 10% to 50% if the entrepreneur waives the separation of their business and personal assets, or 60% to 70% if they do not.
How to apply
To use “SIAGI - Aide aux entrepreneurs individuels”, start by checking that your company and project meet the criteria indicated. Then prepare a project description, a forecast budget and the administrative documents requested by the managing body. Before committing any costs, confirm the application timetable and eligibility rules in the official documents.
Timeline
No usable end date is recorded in the information available. Do not interpret this as a permanently open scheme: check the timetable and status of the scheme in the official source before planning an application date.
Key facts
- Funder
- SIAGI
- Type of funding
- Guarantee
- Status
- Ongoing
- Maximum amount
- €2,000,000
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Can my company benefit from this scheme?
Guarantees of up to €50,000: crafts, retail and liberal professions, with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million; micro-entrepreneurs are eligible. Guarantees of €50,000 to €2 million (case by case): crafts, retail, liberal professions and agricultural businesses, with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million; micro-entrepreneurs are excluded.
Which costs or operations can be supported?
All investments by sole traders.
What amount can I obtain and when should I apply?
Loan term: for guarantees of up to €50,000, 24 to 84 months with monthly or quarterly amortisation, with a possible deferral of up to 6 months; for guarantees of €50,000 to €2 million (case by case), 24 to 180 months with monthly, quarterly, half-yearly or annual amortisation, with a deferral depending on the project. Guarantee cover: for guarantees of up to €50,000, a fixed 50%; for guarantees of €50,000 to €2 million (case by case), 10% to 50% if the entrepreneur waives the separation of their business and personal assets, or 60% to 70% if they do not. Check with the managing body that the scheme’s dates and status are still valid.
Official source
No official URL is available in our data for this grant.
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