SME Financing
/The right banking leverage, at the right time
An investment to fund. Tightening cash flow. A competitor to acquire. Every situation has its own structure. We build the appropriate financing framework and defend it before our financial partners, right up to the point of disbursement.
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/FIVE SITUATIONS. ALL YOUR FINANCING LEVERS.
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CASH FLOW & WORKING CAPITAL
Your operating cycle is out of sync with your order book. You invoice at 60 days but pay at 30. These levers finance the gap, not the shortfall.
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Factoring
Turn your customer invoices into immediate cash flow.
Seasonal credit
Covers the seasonal needs of a business with an irregular cycle.
Commercial paper
Short-term financing to absorb a one-off cash flow gap.
Short-term credit line
A reserve you can draw on at any time; you only pay for what you use.
Inventory financing
A loan secured by the value of your inventory.
R&D tax credit financing
Collect now what the government will pay you in a year.
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INVESTMENT & GROWTH
A machine, a facility, a vehicle, an R&D program. Every asset has its own financing method.
Medium-term loan
36-84 months. The standard way to finance your investments and growth.
Leasing
The lender buys the equipment and leases it to you: your cash flow remains intact.
Real estate financing
Finances the acquisition, construction, or renovation of your premises.
Financial warehousing
For assets that the bank won't finance: a third party holds them for the duration of the repayment.
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R&D Innovation Loan
Up to €3M for your innovation projects, with deferred amortization.
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SUCCESSION & EXTERNAL GROWTH
Acquiring a competitor, buying out a partner, or taking over your own company through a holding structure. These transactions require financing, and the deal structure matters just as much as the price.
LBO
Leveraged Buyout: typically involves around 30% equity contribution, with the remainder covered by bank financing.
MBO
Transferring your company to your management team, using a structure that enables them to complete the purchase.
OBO
Selling your company to your own holding structure to cash out without leaving the business.
Minority buyout
Buying out a departing partner's shares without draining your cash reserves.
Senior acquisition debt
The bank debt that covers the bulk of the purchase price.
Bpifrance Transmission loan
An unsecured loan with a deferred repayment period that complements your bank debt.
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EQUITY & REFINANCING
When traditional bank debt reaches its limit, there is still room to maneuver. Strengthen your equity without opening up your capital, or restructure what is already in place.
Private debt
Funds lend where banks stop—at a higher cost, but with greater flexibility.
Mezzanine debt
Subordinated debt that strengthens your structure without immediate dilution.
Convertible bonds
Debt that can be converted into equity later, on your own terms.
Refinancing
Restructure existing debt to regain financial breathing room.
Debt rescheduling
Extend repayment terms with your current lender, without changing banks.
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PUBLIC GRANTS & TAXATION
There are programs you are entitled to that no one will ever offer you. You need to know they exist and how to put together the application.
ADEME
Up to 50% of the costs for your ecological transition projects.
France 2030: the government's investment plan for industrial and technological sectors.
France 2030
The government's investment plan for industrial and technological sectors.
ERDF
European Regional Development Funds, via your region.
Regional grants
From €50,000 to €500,000, specific to each region.
Innov'Up
Grants, loans, or advances for innovation projects in the Paris region.
CIR
30% of your R&D expenses as a tax credit.
CII
20% of your innovation expenses, capped at €400k, reserved for SMEs.
Export grants
Finance your international business development, even if it doesn't lead to a sale.
/Our ecosystem/
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/From application to signature: your turnkey financing
1
Scoping
Audit of your situation, eligibility analysis, and a financing strategy tailored to your needs.
2
Structuring
Business plan, financing application, credit memo. We prepare exactly what a credit committee expects to see.
3
PRESENTATION TO LENDERS
We present your file to the relevant lenders according to the strategy we decided on together. In parallel, not one after the other.
4
Negotiation & disbursement
We compare proposals and negotiate terms. Right up until the funds hit your account.
Interview
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/Our expertise to guide you
Read what matters for your financing decisions.
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/Let's talk about your needs
