About Project
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Enterpreneurs project

Project YERRF - Young Entrepreneurs Rejuvenate Rural France

Provides all an entrepreneur needs to start their entrepreneurial path
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Entrepreneur, Social or Commercial, both need access to finance.

Access to finance for SMEs - Small and medium-sized enterprises

Small and medium-sized enterprises (SMEs) represent over 99% of businesses in the EU so it is crucial to support their growth and innovation. However, one of the most important issues facing SMEs is their difficulty accessing finance. The European Commission is working to improve the financing environment for entrepreneurs, small and medium business in Europe.

What the Commission is doing, The Commission works with financial institutions to improve the funding available to SMEs by stimulating the provision of loans and venture capital through financial instruments.
The Commission also helps EU countries share good policy on improving access to finance which allows them to benefit from the experience of others.

Practical information for SMEs looking for financing, EU financing programmes are generally not provided as direct funding. Aid is channelled through local, regional, or national authorities, or through financial intermediaries such as banks and venture capital organisations that provide funding through financial instruments.

To find such intermediaries,
visit the EU Access to Finance portal.
Introduction to the EU Access to Finance portal (video)
Find EU business funding in three easy steps (infographic) (133 kB) - Download PDF

Direct aid is only available to projects that specifically contribute to the implementation of an EU programme or policy, see the EU's calls for proposals.

Main EU initiatives, The Communication An action plan to improve access to finance for SMEs recognises that Europe’s economic success depends largely on the growth of SMEs but that difficulty in accessing finance is the main obstacle to their growth.

The 2014-2020 programme for the Competitiveness of Enterprises and Small and Medium-Sized Enterprises (COSME) will make it easier for SMEs to access loans and equity finance.
The 2007-2013 Competitiveness and Innovation framework Programme (CIP) financial instruments helped SMEs raise equity and debt financing.

COSME financial instruments will operate in conjunction with those of the Horizon 2020 Framework Programme for Research and Innovation: InnovFin – EU Finance for Innovators
The SME Instrument of the Horizon 2020 Framework Programme for Research and Innovation offers funding and support for innovation projects that help SMEs grow and expand their activities into other countries.

The European Commission uses financial instruments and helps EU countries share good policy in areas such as loans and guarantees, venture capital, business angels, growth stock markets, and crowdfunding.

Policy areas
Data and surveys - SAFE, The Commission monitors developments in SMEs’ access to finance through the joint European Commission/European Central Bank Survey on the access to finance of enterprises (SAFE).
Data and surveys - SAFE

EU Access to Finance Days for SMEs, The Commission organises a series of EU Access to Finance Days for SMEs across all EU countries to raise awareness about the availability of EU funding.

Read what we have found about the different funding opportunities and Aides and Grants that are out there
Financial Schemes and Financing My Project


Entrepreneurship Workshop
Social or Commercial
"Which are you?"
Marketing Workshop
"Like it - follow it - add it,
Now learn to use It"
Websites designed to be found
Financial Workshop
"Accounting for your actions"
and how to figure it out yourself
Business Language Workshop
"Let's talk business"
Learning English to French to English
EVS & European Entrepreneurs
International Entrepreneurial Organisations
Governmental Bodies & Entrepreneurship
Registering your Enterprise or association
Social Media
Website Creation & Hosting
Blogging creation
Grants Funding Aid
Universities with Entrepreneurship Learning & Courses
Entrepreneurial Scholarships
Learning Entrepreneurship
Business Language for Entrepreneurs
Entrepreneurs Project News
YERRF Entrepreneurs Project
Yerrf Projet in French
Yerrf french

Start-Up Tools for Entrepreneurs
Articles on Entrepreneurship

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Euro erasmus plus  + La Giraudiere Entrepreneur

Young Entrepreneurs Rejuvenate Rural France - an Entrepreneurs Learning Project managed by the association  Les Amis De La Giraudière and jointly funded by The European Commission