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FINANCIAL ARRANGEMENTS MANAGED BY
INDEPENDENT BODIES
Guarantee and Guarantee
Scheme
France Active
France
Active is a local network that helps finance
solidarity-based businesses. You can contact
this organization for any additional
information.
http://www.franceactive.org/
FGAP
-
Adapted Companies
This device
allows you to bring cash and finance your
investments. To benefit from this system, you
must have signed a three-year contract with
the State.
To finance your working capital
requirement, you can claim a loan without
personal guarantee from € 7,500 to € 500,000,
from 2.5 to 15 years, with a maximum guarantee
equal to 50% of the loan .
To finance your
investments, you can claim a loan without
personal guarantee from € 7,500 to € 500,000,
from 2.5 years to 15 years, with a maximum
guarantee equal to 50% of the loan.
For
the business, there is a 2% cost of the
guaranteed amount if the loan is less than or
equal to 3 years, otherwise it is 2.5%
Facil'Bail
This device replaces the
security deposit, if you are lessor, by a bank
guarantee.
You can benefit from Facil'Bail
in addition to a FAG guarantee on a medium-term
loan.
The bank may ask you for an
additional guarantee.
Guarantee fund for
solidarity - based companies
-
FGES
This
system allows you to provide you with cash and
finance your investments.
The loans you
can get range from € 5,000 to € 100,000, for a
minimum of 1 year. The guarantee must not
exceed 50% of the loan amount and may not
exceed 5 years. The proportion financed by the
loan must not exceed 70% of the amount of the
investment.
For the business, there is a
2% cost of the guaranteed amount payable upon
implementation of the guarantee.
Guarantee
Fund for Economic Integration Structures
-
FGIE
This scheme allows you to provide
you with cash and finance your investments.
You must first sign an agreement with the
State.
To finance your working capital
requirement, you can claim a loan with no
personal guarantee from € 15,000 to € 120,000,
from 2.5 years to 7 years, with a maximum
guarantee equal to 50% of the loan .
To
finance your investments, you can claim a loan
without personal guarantee from € 7,500 to €
60,000, from 2 years to 12 years, with a
maximum guarantee equal to 50% of the loan.
For the business, there is a 2.5% cost of the
guaranteed amount.
France Active Guarantee
-
FAG
This system allows you to make easier
the access to bank credit if you are jobseeker,
or in insertion structure, in economic
precariousness or if you have created your
Solidarity Company.
The maximum amount of
the guarantee is 65% for companies in the
process of creation. The duration of this one
is 5 years maximum. For the business, there is
a 2% cost of the guaranteed amount that is
payable in one installment at the time the
loan is put in place.
Women's Initiative
Guarantee Fund
- FGIF
This system makes it
easier for you to access bank credit if you
are a woman who created a business.
Secured loans are those with a duration of 2
to 7 years with a minimum of 5,000 €. The
maximum guaranteed amount is 70% with an
amount of € 45,000.
For the company, there
is a 2.5% cost of the guaranteed amount. Personal
guarantees are excluded.
Acquisition of
a stake in the capital
CIGALES
This
Investors' Club is a solidarity-based venture
capital structure mobilizing the savings of
its members in the service of the creation and
development of small local and collective
companies.
This investment does not exceed
the minority blocking of your company.
Like social entrepreneurship, the CIGALES
clubs’ investments aim to bring about positive
social change using business practices and
market principles. They can be considered
social investors, since they invest in social
enterprises and they expect to get both
financial and social returns from the firms
they are investing in. For more info visit
website at
http://cigales.asso.fr/
FinanCités.
These investors raise funds
for companies based in troubled districts or
for people in precarious situations.
If
you wish to benefit from this, you should know
that their participation is minority, that the
amount of the financing is between 25 000 €
and 125 000 €, and that their investment is
limited to 5 years. You are not required to
provide security deposits (neither to you nor
to your company).
IDES
This venture capital firm that
invests in your company aims to strengthen
equity and quasi-equity. This system is put in
place for cooperative societies.
You can
benefit from an amount of € 80,000 to €
600,000, or € 1,000,000 depending on the risk
incurred, in the form of subscription of
equity securities.
Fondelia
This investment company is
exclusively dedicated to raising funds for
small businesses.
If you own this type of
business, you can get financing ranging from €
10,000 to € 30,000 to invest.
Innov'Ess
- SIFA
The INNOV'ESS fund, backed by SIFA,
aims to support the development of socially
innovative solidarity projects. It is in the
range of products offered by France
Active
If you are a solidarity-based
and innovative company, you can apply to
France Active for an equity contribution
ranging from € 5,000 to € 500,000 over 3 to 7
years with a rate of 4 to 5% per year. A
guaranteed bank loan can be mobilized in
addition by France Active.
To apply for a
grant, you must file a file with France Active
for which you will be the subject of an
analysis by experts.
The award decision
will be made in the Accreditation Committee.
Business Loan Facility
Fund associative
priming
You can have this support if you
are a small association registering in a
social utility approach that creates or
sustains jobs through the development of
activities.
In order for this program to
be validated, your project must present a
global coherence and a marked interest on the
part of its future partners.
A
co-financing is not required to claim this
assistance however obtaining the loan must
enable you to mobilize others.
In
addition, you must as an association commit
yourself via a contract of objectives.
This describes your action plan and what is
expected and followed is a prerequisite.
If
you get this assistance, a loan of 5,000 € to
10,000 € (without interest) will be granted to
you over 12 months (extendable up to 18 months)
and renewable once.
At the end of the
contract, a balance sheet is drawn up with
France Active, which is the promoter of the
project to possibly set up a new aid.
To
obtain a file or to have more information, you
can contact directly France Active or access
their web portal.
Associative contribution
contract
You are eligible for this scheme
if you are a public utility association and if
you want to strengthen your own funds and
create employment.
Obtaining the loan must
enable you to mobilize others. In addition,
you must jointly raise additional equity,
quasi-equity or bank financing in your
financing plan.
If you get this help, a
loan of € 5,000 to € 30,000 (without interest,
and with right of repossession) will be
granted to you from 2 to 5 years.
To
obtain a file or to have more information, you
can contact directly France Active or access
their web portal.
FCP IED
You can have this support if
you are a solidarity company, association,
cooperative that creates or perpetuates jobs,
which inserts through economic activity and
which carries a social utility.
For this
program to be validated, your project must
present a global coherence and a marked
interest for it by its partners.
The
intervention of the Dynamic Insertion Emplois
Dynamique should encourage the mobilization of
other financing.
For additional financing,
the following may be mobilized: Société
d'Investissement France Active, and / or a
bank loan that can be guaranteed by France
Active Garantie.
Note that you are
eligible only if you have positive equity.
If you get this help, a loan of € 5,000 to €
1,500,000 from 5 to 7 years with an interest
of 2% per year will be granted to you.
You
will have to repay this loan at once.
To
obtain a file or to have more information, you
can contact directly France Active or access
their web portal.
Participatory loan for
the creation or development of a SCOP
If
you are a SCOP adherent to the SCOP CG system,
you can claim this loan by submitting a file
to the Regional Union of SCOP (URSCOP).
You will be given a loan, with no personal
guarantee, for a period of 3 to 5 years,
repayable quarterly or monthly, over the life
of the loan.
Regional solidarity investment
fund -
FRIS
You can have this support if
you are a solidarity company that creates or
perpetuates jobs, which inserts through
economic activity, and which carries a social
usefulness.
This assistance should enable
you to finance your investments and improve
your working capital requirements.
The
FRIS is realized by a contribution in
participatory loan, or in associate current
account.
It is 5000 € minimum and does not
exceed 60 000 €. The loan rate is 2%.
The
financial assistance provided shall be for a
maximum period of five years; they may be
increased to 7 years in the case of
depreciable investment financing over this
period.
To obtain a file or more
information, you can contact directly France
Active or access their web portal.
Dare to
undertake, financial aspect
If you create
your company and you are from the political
districts of the city of Nantes metropolis and
you are accompanied by an actor in the
creation of a company associated with the
device (BGE Atlantique-Vendée, Opening -Boches
44, etc.) upstream and downstream of the
project; you can benefit from a 36-month loan
from € 3,000 to € 4,000 at zero rate provided
you couple it with another bank loan at least
equivalent to that amount.
If you wish to
know if you can claim the device, you must
contact FONDES or go to
www.fondes.fr.
Entrepreneur loan scheme
Features of the
Network Initiative
Loans of Honors
Initiative (national support sponsored by the
Réseau Initiative France).
You can obtain
a loan of honor at zero rate for your project
of creation thanks to the network Initiative
France.
Honorary loan dedicated to the image sector
PHI -Initiative
This PHI aims to support
you if you are a professional in the cinema,
multimedia, audiovisual creation.
Fluvial
Initiative
The Honorary Loan is intended to
cover investments related to the creation of a
shipping company.
If it is obtained, the
personal loan of honor ranges from 10 000 € to
90 000 € without rates and guarantees and
refundable over 5 years.
The
decision-making process is carried out in 3
stages and spans about a month
Vendée Premier
Recrutement
Only managed by Vendée Bocage
Initiative, this loan of up to € 6,000,
repayable over a maximum of 3 years, at zero
rate and without conditions of contributions
or additional loans, can be granted as part of
a business you create in Vendée and only if
you hire your first employee.
More
information
Entrepreneur Loan Scheme
Entrepreneurs Financial Schemes Independent
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