xiry.

Business & Money · other

Prêt Croissance Transmission

Unsecured loan program by Bpifrance for business acquisitions in France.

From the Xiry library · Updated 10 October 2026

Visit bpifrance.fr ↗

Prêt Croissance Transmission is a business acquisition loan offered by the French public investment bank (Bpifrance) to finance company takeovers and successions. It provides between €50,000 and €5,000,000 without requiring personal guarantees or collateral, covering up to 40% of the total acquisition debt alongside commercial bank financing. It includes a multi-year term with a two-year deferral on principal repayments.

How it works

Structure and terms for acquiring a French business:

  • Eligibility: Target company must be based in France and actively operating for more than 3 years; buyer needs a viable business plan. No French citizenship or residency required.
  • Corporate Structure: Create a French holding company (Holdco). The Holdco secures the bank debt + Bpifrance loan and acquires 100% of the target company. Loan repayments are funded by the operating company's future profits.
  • Financing breakdown: Bpifrance funds up to 40% of the debt through Prêt Croissance Transmission (€50k–€5M, 3–7 year term, 2-year principal grace period, no collateral/guarantee). The remaining 60% comes from a commercial bank and buyer equity.
  • Personal equity boost: Buyers can apply for a Prêt d'Honneur (up to €50k at 0% personal loan), which commercial banks count toward the buyer's required equity contribution.

What it's for

  • Finance the buyout or takeover of an established company in France
  • Structure an acquisition loan via a holding company without offering personal guarantees
  • Reduce immediate cash flow pressure during a business transition using a principal repayment grace period

Features

  • Loan amounts ranging from €50,000 to €5,000,000
  • Repayment terms of 3 to 7 years
  • Up to 24-month grace period on principal repayment
  • No collateral or personal guarantees required from the borrower
  • Covers up to 40% of total acquisition debt alongside commercial bank loans
  • Open to French holding companies acquiring French businesses operating for over 3 years

Pricing

Paid. Standard commercial interest rates applied depending on loan terms.

Details

Type
other
Category
Business & Money
Topic
Business Loans
Open source
No
Platforms
Web
For
Entrepreneurs and investors acquiring small or medium-sized businesses in France.
Alternative to
SBA 7(a) Loan
Tags
bpifrance, acquisition, business loans, financing, france, sme

Why it was saved

  • @max_tanevskiy, 9 October 2026: Provides between €50,000 and €5,000,000 with a 3- to 7-year term, a 2-year principal repayment deferral, and no collateral or personal guarantee required, covering up to 40% of total acquisition debt.

Related

Updated