# Prêt Croissance Transmission

> Unsecured loan program by Bpifrance for business acquisitions in France.

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.

Website: https://bpifrance.fr/catalogue-offres/pret-croissance-transmission

## 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 is 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](https://xiry.app/topics/business-money.md)
- 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](https://www.instagram.com/p/DeSE_-rTuV7/): 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

- [Bpifrance — Bourse de la Transmission](https://xiry.app/resources/bpifrance-bourse-de-la-transmission): Official French portal for buying and selling small and medium-sized businesses (Website, Free)
- [Точка (Точка Банк)](https://xiry.app/resources/tochka-tochka-bank): Digital-first business bank and ecosystem for entrepreneurs and tech specialists (Freemium)

Updated 10 October 2026. Page: https://xiry.app/resources/pret-croissance-transmission

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