Vice President Fédération Nationale des SOCAMA, France Plumbing and heating professional in Mende, Jean-Claude Depoisier is Administrator of SOCAMA for the Midi region. Born in 1949, he entered the Board of the National Federation of Socama in 1996 and became its Secretary in 2000. Assistant Treasurer in 2007, he is part of the council secretariat in 2008 and becomes Vice President in 2012. He is Chairman of the Social Security Fund of the Municipality of Lozère (CPAM + CAF + URSSAF) and of CAP Employment.

1. Jean Claude Depoisier
Vice President of the SOCAMA Network
Berlin 19 June 2015
The EU Financial Instruments:
Experiences of the SOCAMA Network

2. Contents
1. Actions needed to answer the call for expression of
interest under COSME
2. Agreements signed
3. Products of SOCAMA supported by the European
program COSME
4. Examples of financed projects
5. Performance of SOCAMA with European programs
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3. 1. Principal actions to answer the call
for expression of interest under COSME
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 General information Activity, financial standing, operating principles,
debt financing volumes, position in the market,…
 Proposed products to be covered under COSME
 Marketing and promotion
 Submit the application to EIF
 Due dilligence

4. 2. Agreements signed
European
programs
MAP CIP1 CIP2 COSME
Periods
From September
2003
to June 2007
From October
2007
to March 2011
From April
2011
to March 2013
From April 2013
to March 2015
From April 2015
to March
2017
Total
amount of
counter-
guaranteed
loans
965 M€ 1 318 M€ 1 800 M€ 900 M€
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5. Three exclusive SOCAMA / Banque Populaire / EIF products to protect the
personal assets of the entrepreneur and his / her family:
 To finance the growth of the companies:
“SOCAMA Express Loan without personal collateral requirements”
 To finance business transfers:
“SOCAMA Business Transfer Loan”
 To finance Start ups:
“SOCAMA Creation Loan”
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3. Products of SOCAMA supported
under the European program COSME

6. 3. The SOCAMA product mix
with the support of European programs
The SOCAMA Express Loan without personal collateral (PESE)
- Maximum loan amount : € 50 000
- Loan term : between 18 and 60 months
- 100% SOCAMA loan guarantee
with 50% counter-guarantee by the EIF.
- Advantage for the borrower :
Full protection of personal assets.
The SOCAMA and Banque Populaire explicitly decline to
claim the pledge of any personal collateral or guarantee
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7. 3. The SOCAMA product mix
with the support of European programs
The SOCAMA Business Transfer Loan (PSTR)
- Maximum loan amount : € 150 000
- Loan term: between 18 and 84 months
- Period of grace up to 9 months possible
- 100% SOCAMA loan guarantee
with 50% counter-guarantee by the EIF.
- Advantage for the borrower :
Protection of personal assets.
Recourse to personal assets is limited to 25% of the loan
amount.
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8. 3. The SOCAMA product mix
with the support of European programs
The SOCAMA Creation Loan (PSC)
- Maximum loan amount: € 30 000
- Loan term: between 18 and 60 months
- Up to 6 months grace period possible
- 100% SOCAMA loan guarantee
with 50% counter-guarantee by the EIF.
- Advantage for the borrower :
Protection of personal assets.
Recourse to personal assets is limited to 50 % of the loan amount.
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9. Financing of a lift to allow access for people with reduced
mobility in a hotel
Need 40 K€ : a lift 40 K€
Financing : The SOCAMA Express Loan without personal collateral 40 K€
Financing of the acquisition of a taxi and relative licence for a
30-year-old man
Need 180 K€ : a new vehicle 35 K€ - license 140 K€ - expenses transaction 5 K€
Financing : Family funding 15 K€ - The SOCAMA Business Transfer Loan 150 K€ -
Complementary Loan 15 K€
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Financing the creation of a hairdressing salon
Need 25K€ : Equipment and furnishing
Financing : personal funds : 6 K€ - The SOCAMA Creation Loan 19 K€
4. Examples of financed projects

10. 4. Performance of SOCAMA
with European programs
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Almost 4 Mio € of guarantees granted
Since December 2003
141 000 guarantees granted

11. Thank you for your attention
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