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Entrepreneurs Loan

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.
Pictogramme-Business-Acceleration-blanc
Increase
your company’s equity without diluting your capital.
Pictogramme-chiffre-affaire-blanc
Finance
all the expenses related to growing your company.
Pictogramme-Business-Workshops-blanc
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.

Discover the program

More about our loans

More about the WILCO One Entrepreneurs Loan

Up to €50k per
partner/associate,
€150k per startup
12 month deferral and
48-month repayment period
Interest free
with no personal
collateral
Supported by
Logo - IDF

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

Guillemet - Témoignage
Arnaud de Rohden_CEO _ CO-founder de Pulp
“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
Logo Pulp
Guillemet - Témoignage
Sébastien Bequart_CEO _ CO-fondateur de Gymlib
“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
Logo - Gymlib

More info about the loan?

Head to our FAQ
Partnering with third-party loan funds

WILCO partners with third-party loan funds

IGEU

Created 2012

Logo - Reseau initiative

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

Logo - Region Grand Est

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

Logo - IDF
Logo - UE

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.