Our two financial companies: France Active Garantie and France Active Investissement
France Active puts finance at the service of social good. How? By leveraging its two complementary financial companies, which help launch, secure, and grow projects that address social and environmental challenges. This dual expertise is available to network members and socially committed entrepreneurs.
France Active Garantie (FAG): guaranteeing bank loans
The mission of France Active Garantie
Helping entrepreneurs secure loans, including those who are furthest from the banking system: the most vulnerable groups (long-term job seekers, recipients of minimum social benefits, etc.), women, and young people.
Its Role
To serve as a trusted intermediary and guarantor between the entrepreneur and the bank.
How Does It Work?
- The France Active bank guarantee, also known as a bank surety, enables a project to get off the ground.
- It provides insurance for the bank: in the event of borrower default, it covers nearly 80% of the solidarity loan.
- It provides insurance for the borrower: by limiting personal guarantees, it protects the assets of the entrepreneur starting a business.
“In partnership with local ecosystems and France Active, we structure accessible and secure financing pathways, fostering the emergence of projects that are useful, create jobs, and promote inclusion. Today, nearly one in three projects guaranteed by France Active is financed in this way by Crédit Agricole.”
Frédéric NOET
Director of client markets and new business lines, Crédit Agricole National Federation
FAG manages more than a hundred guarantee funds in partnership with all banking stakeholders. It oversees the majority of the professional microcredit component of the Social Cohesion Fund on behalf of the government.
FAG’s resources come from national and regional government funds. Its operations are supported by the European Investment Fund. Its capital is held by the national association France Active, the Caisse des Dépôts group, banks, and the regions.
In 2024, France Active Garantie underwent a capital increase of 12.5 million euros to facilitate its growth. That same year, the financial company mobilized 315 million euros in guaranteed bank loans.
“France Active Garantie facilitates access to bank credit for underserved populations, such as women, residents in priority neighbourhoods, and entrepreneurs in rural areas. Thanks to a loan guarantee system covering up to 80% of the loan amount in the event of default, banks are protected and bank financing is made easier”.
Dominique MAHÉ
Chairman of France Active Garantie
France Active Investissement (FAI): financing impact projects
France Active Investissement is the leading social investment company in France. It enables France Active to collect social savings and invest them in Social and Solidarity Economy (SSE) projects. Partnering with key players in the financial sector, France Active Investissement holds the Finansol certification, which guarantees the social dimension of its activities.
Who is this for?
People who want to grow their capital while helping to fight unemployment, substandard housing, and supporting the development of organic agriculture and renewable energies, among other causes.
That is:
- Major asset management firms in the financial sector that hold equity in FAI.
- Employees who can invest through their company savings plans in 90/10 solidarity funds: 90% of the funds are invested in financial markets and 10% in social and solidarity-based enterprises identified by France Active.
- All citizens who can invest money in solidarity-based life insurance policies: a portion of the funds collected is then invested in Social and Solidarity Economy (SSE) enterprises.
“The Pacte Law has been a tremendous catalyst for fundraising in recent years for solidarity funds—those bearing the Finansol label—which must now be included in life insurance unit-of-account offerings. This surge in popularity reflects savers’ growing desire to give meaning to their investments through a solidarity-based approach and their commitment to supporting the local economy. This is a trend we can only welcome.”
Jean-Pierre GRIMAUD
CEO of Ofi Invest AM
In 2025, FAI invested 52.3 million euros in social enterprises.
“France Active plays an essential role in financing, throughout the country, every stage of the life cycle of socially responsible enterprises—those committed to social and environmental impact first and foremost—from start-up to growth and, if necessary, turnaround. “
Alexis MASSE
Chairman of France Active Investissement
