20 November BPI x ADEME: VARIOUS AID TO ENCOURAGE COMPANIES TO INVEST IN THE ECOLOGICAL TRANSITION

In order to help VSEs / SMEs to increase their actions in favor of sustainable development and thus accelerate their ecological transition, the government has set up, in partnership with Bpifrance and Ademe, an Acceleration Plan for Ecological Transition. 

If they are joining forces today, it is to help French companies finance their green transformation. 

This plan is based on 10 measures, the two main ones being loans for VSEs & SMEs. 

Ademe green loan – BPI France

A low-interest loan of up to 10 years, granted without financial guarantees by BPI France and subsidized by ADEME, for an amount ranging from €10 to €000 million, in capital for a maximum of 1 years. 

Target : 

Small & medium enterprises:

• Located in Metropolitan France, in the DROMs or in the COM
• More than 3 years or able to provide a balance sheet covering a minimum period of 24 months
• Having benefited from a “Diag Eco-Flux” diagnosis (BPIfrance support offer) or assistance from ADEME over the past three years.

Goals : 

The purpose of this loan is to finance business investments aimed at: 

• Optimize processes, or improve performance (energy, water, materials) in order to better control or reduce the impact on the environment
• Promoting “zero-carbon” mobility for employees, goods and products
• Innovate to market products or services in terms of environmental protection, circular economy and / or allowing a reduction in the consumption of resources, renewable or not. 
• Produce new energies

The conditions :

• The amount of the loan must be less than or equal to the cumulative amount of the subsidies granted to the project and the equity and quasi-equity of the borrower
• No security on the assets of the company, nor on the assets of the manager 
• Retention of guarantee of 5% of the total amount of the loan, returned after full repayment of the loan, and increased by the interest it has produced
• Mandatory associated with external financing (banking, equity contribution, crowdfunding) of an amount at least equal, of the same duration for loans of 2 to 4 years, or of a minimum duration of 5 years for loans of more than 5 years, and relating to the same program carried out for less than 6 months. 
• Quarterly maturities with linear capital amortization

The costs :

• Preferential fixed rate thanks to aid from ADEME
• Application fees: according to the scale in force
• Death insurance PITIA

This loan aims to support the implementation of several hundred projects for a total financing amount of more than €100 million. 

The energy saving loan – BPI France

A reduced-rate loan in addition to Energy Savings Certificates (CEE), granted by BPI France and subsidized by the Ministry of Ecological and Inclusive Transition, for a period of 3 to 7 years, and of an amount up to €500. 

Its objective is to finance energy saving actions eligible for ESCs such as, for example, the insulation of the roof or the walls of its premises, the purchase of thermodynamic water heaters or heat pumps, the replacement of refrigeration engine…

Additional costs (energy audits, installation, tools, etc.) are covered by the loan. 

The target: SMEs in the tertiary and industrial sector, over 3 years old, who are considering an energy efficiency investment plan. The program targets approximately 1 companies until 000 for a total volume of €2025 million.