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Autour de Xavier Perret trois structures qui aident à se lancer. MIDI LIBRE – MIKAEL ANISSET

Inititative Gard, Airdie et Adie proposent différentes formules pour lancer ou reprendre une entreprise, sans avoir nécessairement de grosses capacités financières au départ.

Two years ago, Elysa Jeauneau took over the Flora flower store, in Alès, just opposite the Cratère. Until then, she was an employee there. "My boss wanted to sell her business. I went through the Gard Chamber of Trades to take it back." Thanks to the Chamber of Trades, she was able to be put in touch with the Intitiative Gard network and the Airdie association. One granted him an honorary loan (at zero interest), the other a loan guarantee from the banks. Elysa also benefited from follow-up, while having had a period of adjustment with her ex-boss for the recovery. The company, no pun intended, continues to flourish today and the takeover is considered successful.

Allow financing to a public who does not necessarily have access to a bank loan

It's to highlight this kind of examples and give ideas to other project leaders than Xavier Perret, president of the Chamber of Trades and de l'artisans organized a press conference this Monday, January 8 in Nîmes in the presence of these three project financiers (excluding banks) which are Initiative Gard, France Active Airdie-Occitanie and Adie. These three structures, now all housed at the CMA, offer different non-profit options.

Thus the honorary loan, offered by Initiatives Gard or Airdie, can make it possible to build up equity to then obtain a bank loan which can be guaranteed for example by Airdie. "We are addressing a public who does not have all the assets in hand to create their business, who have insufficient equity", explains Jean Maury, from Airdie . The Adie association "makes it possible to obtain financing for a public that does not have access to bank credit", explains  ;territorial director Olivier Guibaud. Adie offers micro-credits, post-creation support, insurance activity to secure banks, etc.

For the Initiative Gard network, which supported no less than 159 companies in 2023 (including 57% takeovers), these measures have largely proven their worth: "At initiative Gard, we have a three-year sustainability rate of 92%, notes President Daniel Augello.

"By organizing the same press conference with these three structures, we want to remind project leaders that they can be supported in financing, including for takeovers, insists Xavier Perret. The president also expresses a wish: "Create a club of entrepreneurs who have been helped to set up their business and sponsor project leaders".