SIAGI – Garantie 5/50
Amount or form of support: guarantee for an amount of €5,000 to €50,000; fixed cover of 50% (risk cover offered to the bank); loan term of 2 to 7 years. Targeted costs or operations: eligible operations: business start-ups, development and takeovers. Eligible costs: all purposes of financing — tangible and intangible assets and working capital requirements. Restructuring operations are not eligible. Point of attention: check the current offer with SIAGI and your bank.
Respond to the difficulties very small businesses face in borrowing (whether real or self-imposed) when their projects have lower creditworthiness and a small unit amount; encourage the use of credit so that businesses can keep a healthy cash position. It is aimed in particular at: craft, retail, industry, service and liberal-profession businesses with fewer than 50 employees and revenue below €15 million or a balance sheet total below €7.5 million, based in mainland France or the overseas departments and regions. Geographical scope indicated: national aid.
Funded by SIAGI
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Who can apply
Businesses with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million, whose registered office is located in mainland France or in the overseas departments and regions (Martinique, Guadeloupe, French Guiana, Réunion). Eligible sectors: crafts; retail, including associated retail; industry; services; liberal professions.
Eligibility conditions
The SIAGI 5/50 guarantee covers business loans of €5,000 to €50,000 to finance tangible or intangible investment and working capital requirements. It notably concerns crafts, retail, industry, services and liberal professions; micro-entrepreneurs may be eligible. The guarantee does not cover restructuring, taking over an overdraft or a medium/long-term loan, or refinancing old invoices. The term of the guaranteed loan is between 24 and 84 months, according to the published conditions. The application is submitted by the bank via the GarantiePro portal; the loan rate is set by the bank.
What the scheme covers
Eligible operations: business start-ups, development and takeovers. Eligible costs: all purposes of financing — tangible and intangible assets and working capital requirements. Restructuring operations are not eligible.
Amount and funding terms
Guarantee for an amount of €5,000 to €50,000; fixed cover of 50% (risk cover offered to the bank); loan term of 2 to 7 years.
How to apply
To use “SIAGI – Garantie 5/50”, 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
- €50,000
- Automatically extracted — check the official source
- Minimum amount
- €5,000
- Automatically extracted — check the official source
- Funding rate
- 50%
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Can my company benefit from this scheme?
Businesses with fewer than 50 employees AND revenue below €15 million or a balance sheet total below €7.5 million, whose registered office is located in mainland France or in the overseas departments and regions (Martinique, Guadeloupe, French Guiana, Réunion). Eligible sectors: crafts; retail, including associated retail; industry; services; liberal professions.
Which costs or operations can be supported?
Eligible operations: business start-ups, development and takeovers. Eligible costs: all purposes of financing — tangible and intangible assets and working capital requirements. Restructuring operations are not eligible.
What amount can I obtain and when should I apply?
Guarantee for an amount of €5,000 to €50,000; fixed cover of 50% (risk cover offered to the bank); loan term of 2 to 7 years. 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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