Non-dilutive, interest-free, collateral-free financing
Increase your equity without diluting your capital with our Entrepreneurs Loan
Our Entrepreneurs Loan is paid directly to each associate/partner to help finance their launch.
Increase
your company’s equity without diluting your capital.
Finance
all the expenses related to growing your company.
Create
a lever effect with other investors.
WILCO One Entrepreneurs Loan
WILCO One Entrepreneurs Loan
Which startups can benefit from the WILCO One Entrepreneurs Loan?
Based in the Paris region
Tech focus
Started less than 3 years ago
The loan is designed for startups accelerated by the WILCO One program.
More about our loans
More about the WILCO One Entrepreneurs Loan
Up to €50k per
partner/associate,
€150k per startup
partner/associate,
€150k per startup
12 month deferral and
48-month repayment period
48-month repayment period
Interest free
with no personal
collateral
with no personal
collateral
Supported by
Loans since we launched
Loans since we launched
107M€
Loaned
1806
Startups
4321
Entrepreneurs financed
Loans every year
Loans every year
10M€
Loaned
100
Startups
250
Entrepreneurs financed
A few words from our entrepreneurs
A few words from our entrepreneurs
“One of the things that really makes WILCO stand out is the Entrepreneurs Loan. It enabled us to finance our launch and boost our equity to create leverage when looking for other sources of financing.”
Arnaud de Rohden, Cofounder & CEO
“Being chosen by WILCO was a first victory for our team. We quickly benefited from an Entrepreneur Loan, which was key to launching our project, enabling us to double our cash flow and finance the acquisition of our first customers. This represented the first financing of our 1st metrics for our marketing investments. We also really enjoyed meeting other entrepreneurs at a similar stage who faced similar problems.”
Sébastien Bequart, Cofounder & CEO
More info about the loan?
Partnering with third-party loan funds
WILCO partners with third-party loan funds
IGEU
Created 2012
Aim
Finance launch of young companies from France’s Grandes Ecoles and universities with interest-free loans of up to €60k.
What does WILCO do ?
Prepare and deliver loan applications and guarantees, and monitor repayments on behalf of IGEU.
11
Compartments
15M€
Loaned
381
Startups financed
757
Entrepreneurs boosted
Grand Est
Created 2019
Aim
Finance high-potential startups accelerated by Scal’Enov in the Région Grand Est.
What does WILCO do ?
Manage funds, from financing decisions to loan lifecycle management, including issuance and repayments.
3,7M€
Loaned
43
Startups financed
81
Entrepreneurs boosted
Fonds de Prêt Entrepreneurs Complémentaire (PHC)
Created 2017
Aim
Finance launch of young companies from France’s Grandes Ecoles and universities with interest-free loans of up to €60k.
What does WILCO do ?
Prepare and issue loan applications and guarantees, and monitor repayments on behalf of PHC.
8,2M€
cumulative endowments
11M€
Loaned
468
Startups financed
1093
Entrepreneurs boosted
Financed by
How does the WILCO One Entrepreneurs Loan work?
Find answers to all your burning questions.
01What is the Entrepreneurs Loan?
The loan is given to associates/ partners in the accelerated company. The interest rate is 0%. No personal guarantee, surety or mortgage is required. The entrepreneur undertakes to repay the loan from his or her own funds.
02Who can benefit from the loan?
Founding partners holding at least 5% of the capital of a startup selected for one of WILCO’s sector-based acceleration programs. The program targets innovative companies that are less than 3 years old with a head office or secondary establishment in the Paris region.
03How much can you be loaned?
Each partner can obtain up to €50k in loans with a maximum of €150k per startup. The average loan issued by WILCO €100k per startup. The borrower may be required to sign several entrepreneur loan contracts, depending on the loan funds raised.
04How do you repay it?
Each partner repays their loan on a straight-line basis over 48 months, after a 12-month deferral period.
05How much does the loan cost?
0% interest
No application fees
No fees for early repayment
Compulsory death and disability
insurance (PTIA)
Loan against Bpifrance guarantee (required by Bpifrance)
06What happens if your company ceases trading?
In the event of amicable or judicial liquidation, the borrower remains liable for any sums outstanding. Bpifrance may decide to cover part of the outstanding capital.
07When will you receive your Entrepreneurs Loan?
The loan is given during the Loan Sessions phase, following an acceleration committee meeting (volunteer jury). This is usually 3-6 months after being selected for the WILCO One program.