Prêt Compétitivité Pérennité (PCP)
0% interest
Backed by SNCI · partner banks
Facts verified June 2026, against official programme sources.
What it is
The Prêt Compétitivité Pérennité: SNCI co-financing of up to 80% of a project, capped at €200,000, over a term of up to 10 years, interest-free under the European de minimis regime. One application through your bank unlocks the bank financing and the State aid together.
One application through a partner bank — Spuerkeess, BIL, BGL BNP Paribas, Banque Raiffeisen or Banque de Luxembourg. The bank finances at least 20% of the project and the SNCI's share carries no interest. Primarily aimed at SMEs for any project supporting competitiveness and sustainability; larger companies can also use it for digital and ecological transition projects.
At a glance
Type of aid
Zero-interest public loan
Who it's for
SMEs, and larger firms for digital or green projects
What it funds
Up to 80% of a competitiveness or sustainability project, €200,000 ceiling, up to 10 years
Backed by
SNCI · partner banks
Is this you?
Sounds close?
One rule applies almost everywhere: the application must be filed before you sign contracts or start the project. We handle scheme selection, the file and the whole process end to end: you build, we file.
