{"id":264,"date":"2014-08-21T19:00:14","date_gmt":"2014-08-21T18:00:14","guid":{"rendered":"http:\/\/www.jcarmand.com\/en\/?p=264"},"modified":"2019-02-17T15:21:56","modified_gmt":"2019-02-17T15:21:56","slug":"innovation-in-france-loans","status":"publish","type":"post","link":"https:\/\/www.jcarmand.com\/en\/tax-incentives-and-subsidies\/innovation-in-france-loans\/","title":{"rendered":"Innovation In France : loans to innovation sector"},"content":{"rendered":"<h1 style=\"text-align: center;\"><\/h1>\n<h2 style=\"text-align: justify;\"><\/h2>\n<h2 style=\"text-align: justify;\">WHAT ARE THE CONDITIONS TO GET LOANS TO INNOVATION SECTOR<\/h2>\n<p>&nbsp;<\/p>\n<p style=\"text-align: justify;\">From the instance a foreign group is considered as an Small\u00a0or Medium Enterprise (SME)\u00a0under the European definition and that their French branch or subsidiary develops an innovating technology, it can benefit from the following favorable term loans: first of all, loans can reach a high equivalent of the net equity and comparable funds (between 1 and 2). Moreover, the first reimbursement is deferred for at least 2 years and no guaranty is required. Lastly, the can be accumulated with <a title=\"Employment subsidies in France\" href=\"https:\/\/www.jcarmand.com\/en\/counselling\/employment-subsidies-in-france\" target=\"_blank\" rel=\"noopener\">employment subsidies<\/a>,\u00a0the \u00a0research tax credit (CIR in France) and\/or the statut JEI (Young Innovative Status).<\/p>\n<p>&nbsp;<\/p>\n<h2 style=\"text-align: justify;\">WHAT\u00a0ARE THE MOST INTERESTING TYPES \u00a0OF LOAN TO INNOVATION A COMPANY CAN GET?<\/h2>\n<p style=\"text-align: justify;\">The first most interesting mechanism to apply to during the creation stage of the subsidiary is the seed loan (PPA: Pr\u00eat Pour l\u2019Amor\u00e7age in French). To benefit from it, the entity has to initiate an R&amp;D program and the group must have less than 5 years of existence. The loan ranges from 50 to 150k\u20ac (but capped at the amount of net equity) over a 7-year period with a 36-month deferral for payback.<\/p>\n<p style=\"text-align: justify;\">Subsequently, the loan for innovation (PPI: Pr\u00eat Pour l\u2019Innovation in French) is by far the most interesting. To benefit from it, the group must have more than 3 years of existence and the subsidiary has to manufacture and sell an innovating technology. This loan can reach up to 3 M\u20ac by 12 months periods and be equivalent to twice the amount of net equity (in other words, a subsidiary with a 1.5 M\u20ac net equity can benefit from the maximum). The loan is based on a 7-year period with a 24-month deferral for payback.<\/p>\n<p style=\"text-align: justify;\">Both these loans with favorables terms can be summarized as follows:<\/p>\n<p style=\"text-align: justify;\"><a href=\"https:\/\/www.jcarmand.com\/en\/wp-content\/uploads\/2014\/07\/Loan-to-innovation-Subsidies-France1.png\"><img loading=\"lazy\" decoding=\"async\" class=\"alignnone wp-image-269\" title=\"Innovation-in-France-Loans\" src=\"https:\/\/www.jcarmand.com\/en\/wp-content\/uploads\/2014\/07\/Loan-to-innovation-Subsidies-France1.png\" alt=\"Innovation-in-France-Loans\" width=\"648\" height=\"102\" srcset=\"https:\/\/www.jcarmand.com\/en\/wp-content\/uploads\/2014\/07\/Loan-to-innovation-Subsidies-France1.png 1080w, https:\/\/www.jcarmand.com\/en\/wp-content\/uploads\/2014\/07\/Loan-to-innovation-Subsidies-France1-300x47.png 300w, https:\/\/www.jcarmand.com\/en\/wp-content\/uploads\/2014\/07\/Loan-to-innovation-Subsidies-France1-1024x161.png 1024w\" sizes=\"auto, (max-width: 648px) 100vw, 648px\" \/><\/a><\/p>\n<p style=\"text-align: center;\">Need more information?<\/p>\n<p style=\"text-align: center;\"><a class=\"jca button\" title=\"Clic here to contact us\" href=\"\/en\/contact-starting-a-business-in-france\/\">Contact us<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>WHAT ARE THE CONDITIONS TO GET LOANS TO INNOVATION SECTOR &nbsp; From the instance a foreign group is considered as an Small\u00a0or Medium Enterprise (SME)\u00a0under the European definition and that their French branch or subsidiary develops an innovating technology, it can benefit from the following favorable term loans: first of all, loans can reach a [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":1479,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[10],"tags":[],"class_list":["post-264","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tax-incentives-and-subsidies"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.5 (Yoast SEO v27.5) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Innovation In France : loans: what you need to know<\/title>\n<meta name=\"description\" content=\"Innovation in France ; Subsidies and loans : any foreign company can get not only subsidies but also very favorable term loans ; the first is ...\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.jcarmand.com\/en\/tax-incentives-and-subsidies\/innovation-in-france-loans\/\" \/>\n<meta name=\"author\" content=\"Jean-Claude Armand\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.jcarmand.com\\\/en\\\/tax-incentives-and-subsidies\\\/innovation-in-france-loans\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.jcarmand.com\\\/en\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Innovation In France : loans to innovation sector\"}]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Innovation In France : loans: what you need to know","description":"Innovation in France ; 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