STEP 3 : finance your project

What structures can provide complementary funding to the capital you already have? Where can you find funding other than bank loans? And what about guaranteeing the loan? The following structures can advise entrepreneurs and help them finance their projects.

ADIE - Association pour le droit à l'initiative économique

Public: Those who do not have access to bank loans, notably those registered as unemployed. All company statuses

  • Microloans to buy material, a vehicle, stock or provide initial cash flow to a maximum level of €10,000
  • Personalised support before, during and after starting up to ensure the sustainability of your activity

Contact: Emma Zouari - 01 49 33 17 08 ou 09 69 32 81 10 - This email address is being protected from spambots. You need JavaScript enabled to view it.

www.adie.org


Association en faveur de l'accompagnement et la création d'entreprises dans le Val d'Oise (AFACE 95)

Public: Those starting or acquiring a business and companies with less than 7 years of existence across the industrial, service and retail sectors and with a potential to create jobs.

Aface 95 offers guarantees for personal loans for company creation, development or acquisition provided by their network of partner banks:

  • creation : between €15,000 and 65,000
  • development : between €15,000 and 65,000
  • acquisition : between €15,000 and 100,000

Euribor rate 3 months + 2%
Reimbursement periods:

  • creation : 5 years
  • development : 5 years
  • acquisition: 7 years

Contact: Stéphanie Rugeau, Claire Deboissy - 01 30 75 35 31 - This email address is being protected from spambots. You need JavaScript enabled to view it.

www.cci95-idf.fr


Initiactive 95

Public: Those starting or acquiring a business and existing companies with less than three years of existence. All sectors.

Part of the France Active and Initiative France network, Initiactive 95 offers:

  • Support in obtaining bank loans
  • A large palette of financing tools adapted to all types of project

Contact : 01 30 31 96 66 – This email address is being protected from spambots. You need JavaScript enabled to view it.

www.initiactive95.fr


Réseau Entreprendre Val d'Oise

Public: Those starting or acquiring an SME within the industrial, service or retail sectors, with the potential to create jobs and a presence in the Val d'Oise

The Réseau Entreprendre Val d'Oise is made up of a network of existing company directors and offers the following services:

  • Financial support in the form of a no-interest and no-guarantee loan of between €15,000 and 50,000 with a deferred reimbursement period of 18 months. This loan is reimbursable over a period of 5 years.
  • Regular and free personalised support by one of the company directors during a period of 2-3 years
  • Monthly group training sessions
  • Integration into the local and national business networks

Contact: Mano Madi - 06 69 92 19 68 - This email address is being protected from spambots. You need JavaScript enabled to view it. / Angélique Thiery-de-Rembau - 01 34 40 65 61 - This email address is being protected from spambots. You need JavaScript enabled to view it.

www.reseau-entreprendre-val-doise.fr-val-doise.fr


Association Territoriale d'Ile-de-France des Clubs d'Investisseurs pour une Gestion Alternative et Locale de l'Epargne Solidaire (Cigales)

Public: Companies with a project of social, environmental or cultural interest and funded by commonly-owned equity or those with a project to transform an associative structure to a SCOP or SCIC

A capital risk structure using the savings of its members to fund the creation and development of local and collective small ventures. Operates via a participation in the capital of between €1,000 and 3,000 per project. Higher amounts are accessible if several members (CIGALES) invest in the same project (up to approximately €10,000). The Cigales then follow the development of the companies in which they have invested.

www.cigales-idf.asso.fr - This email address is being protected from spambots. You need JavaScript enabled to view it.

Cigales cergypontaine : http://cigalescergypontaine.blogspot.fr/


Scientipôle Initiative et Scientipôle Croissance

Public: Entrepreneurs with innovative projects across all sectors of activity; companies creating jobs and having less than 3 years in existence.

  • Personnel loan at 0% interest rate and without need for a personal guarantee: amount of between €15,000 and 90,000 per company and limited to a maximum of €30,000 per individual entrepreneur or company associate
  • BPI guarantee if relevant criteria are respected
  • Introductions to financial partners, banks, business angels and seed capital
  • Personalised and collective support via partners specialised in innovation and a community of recognised experts

Contact: Charles-Antoine Boulay - 01 60 19 19 04 - This email address is being protected from spambots. You need JavaScript enabled to view it.

www.scientipole-initiative.org


Bpifrance

Public: all types of entrepreneurs

Bpifrance develops a wide range of solutions (grants, repayable loans, loan guarantees, "innovative company" ...) to support your riskier projects: creation, recovery, business development, new markets, investment clean background.

www.bpifrance.fr


Equisol

Public: SME of less than a year with a turnover of less than €5 million and benefiting from the French state label "entreprise solidaire" and/or a cooperative structure with an activity of social interest.

Capital risk structure offering financial support of between €10,000 and 100,000 depending on financing provided by other shareholders and for a duration of 5 to 10 years.

Contact: This email address is being protected from spambots. You need JavaScript enabled to view it. - This email address is being protected from spambots. You need JavaScript enabled to view it.


Ile-de-France Capital

Public: Those starting or acquiring a company, mainly in industry and the service sector

The structure offers finance in return for minority shareholding in companies located in the Paris region.

www.idfcapital.fr - This email address is being protected from spambots. You need JavaScript enabled to view it.

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