Ready to entrepreneurship (PCE) facilitate entrepreneurs’ access to bank credit.

The characteristics of PCE
- Loans granted without collateral or personal guarantee, in addition to a bankable medium or long term, at least twice the amount of PCE or at least equivalent in sensitive urban zones.
- Amount of between 2 000 and 7 000.
- Duration: 5 years. Deferred repayment of 6 months, followed by 54 monthly installments.
- Same as the rate of bank loan matters (floor rate equal to the rate on government bonds with 5 years plus 1.7%).
Interest
In terms of creating more than the initial bet, the higher the chances of survival of the young company growing. Proof: Only 45% of entrepreneurs who started with less than 7 500 euros spent the 5 years, against 55% for those who have invested more, according to a study published in 2006 by INSEE. The PCE, credit implemented by the OSEO group, has been designed to enhance the liquidity of companies being created. It finances primarily the material needs related to the launch of the business (working capital, start-up costs, purchase of computer software …).
Conditions
The PCE, which must accompany a bank loan, is for companies within 3 years showing a positive result (when the activity began). Excluded are agricultural enterprises, financial intermediation, promotion or rental property. Only artists who have not yet obtained a bank loan are eligible. In addition, the applicant must not direct or control another company. Finally, since 1 May 2008, total resources injected into the project (personal contributions, loans …) should not exceed 45 000.
The procedure
The PCE is obtained either directly from a bank or by contacting a support network for entrepreneurship (eg stores management). Funds are available 10 days after decision of the bank.

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