67 articles in this category
The BSA-AIR lets a seed investor pay in funds without locking the valuation: it is set at conversion, with a negotiated discount and tunnel. How the mechanism works.
When does renegotiating your SME bank loan become worthwhile, once indemnities and fees are deducted? Method, levers, file to prepare and credit mediation as a recourse.
The method to secure a regional grant in 2026: apply before any commitment, target the right scheme, plan co-financing and justify expenses. With the example of Innov'up and TP'up in the Paris region.
What does invoice factoring really cost a French small business in 2026? We break down the factoring fee, the financing fee and the guarantee fund, and weigh it against an overdraft and a Dailly assignment.
Guide to non-dilutive financing: senior debt, leasing, factoring, RBF, Bpifrance guarantees, honor loans and grants — compared with equity, so you keep your capital.
France Num diagnostic, regional aids, France 2030, loan and leasing: the levers to finance your SME's digital transformation in 2026, and the pitfalls to avoid.
Rate cut, loan refinancing, restructuring: the levers to renegotiate your business debt in 2026, the costs to factor in and the pitfalls to avoid.
Complete file, credible forecast, mastered indicators and negotiated collateral: the method to secure financing without a crushing personal guarantee.
Bid bond, retention of guarantee, on-demand guarantee: how market guarantees work, weigh on your cash flow and how to negotiate them in 2026.
Campaign credit, short-term line, warrant, factoring: the solutions to finance a seasonal stock peak without straining your cash flow in 2026.
Donation, participatory loan or capital investment: the three forms of crowdfunding, their cost, taxation and the role of PSFP platforms in 2026.
Framing a first round with relatives and business angels: legal form, instruments, IR-PME tax relief, shareholder agreement and pitfalls to avoid in 2026.
Leasing, bank loan or subsidy to finance industrial equipment? A 2026 comparison of cash flow, ownership, taxation, deductibility and accelerated depreciation.
Applying to a France 2030 call for proposals: identify the call, assess maturity, build the file and prove private co-financing. Step-by-step guide for SMEs in 2026.
Honour loans from Initiative France and Réseau Entreprendre: amounts, zero interest, the bank leverage effect and how to obtain them step by step in 2026.
Our articles provide general guidance. A discovery meeting with Samuel HAYOT allows us to analyse your specific case.