Bridge Loan
Secure investment in bridge financing
Investment ticket
100-500K€
Duration
12 months maximum
Risk profile
Moderate – Guaranteed
Expected yield
8-12% annual
Sector
Bridge financing for innovative businesses
- Welcome
- Investment and Financing
- Bridge Loan
The investment opportunity
Bridging the European funding gap
The Bridge Loan 1 addresses a critical need in the European market: financing the cash flow of innovative companies awaiting the release of public (research tax credits, subsidies, aid) or private (fundraising, bank loans) funding.
This situation creates an attractive investment opportunity with an optimized risk/return profile thanks to the underlying guarantees.
Investment mechanism
For the investor
- Secure loan with personal and/or real guarantees
- Repayment guaranteed by pending financing
- Monthly interest payments with capital repaid at maturity
- Opportunity to diversify across multiple projects
Types of warranties
- Pledging of expected public receivables
- Personal guarantees of the managers
- Real securities on company assets
- Credit insurance as appropriate
Project selection criteria
Business eligibility
We exclusively select innovative companies with a solid financial profile and clearly identified funding prospects. Eligible companies must have positive equity and maintain a debt level compatible with our bridge financing, regardless of their revenue or stage of development.
The essential condition lies in the ability to present concrete evidence of pending funding, whether from public sources (research tax credits, subsidies) or private sources (fundraising, confirmed bank loans).
thorough due diligence
Our selection process is based on a rigorous multidimensional analysis of each investment opportunity. We first assess the financial strength of candidate companies through a thorough analysis of their accounts, forecasts, and cash flow.
Securing the expected funding is a central pillar of our evaluation, where we meticulously analyze the likelihood of release and the projected timelines. We also pay close attention to the quality of the management team and governance structures, which are crucial elements for the success of innovative projects.
Assessing innovation potential and market positioning allows us to identify the most promising companies, while analyzing the legal structure ensures optimal arrangements of guarantees to secure your investment.
Pricing structure and returns
Investment return
- Annual interest rate : Variable depending on risk assessment and market interest rate levels
- Minimum interest : 6 months (even in the case of early repayment)
- Management fees Monthly payments, deducted from the interest.
- Assembly fees Depending on the complexity of the case
- Early repayment No penalty or compensation
Tax optimization
- Interest is taxable as investment income.
- Possibility of deducting capital losses
- Personalized tax advice based on investor profile
Would you like to discover our current investment opportunities and understand our selection process? Our experts are available to discuss your investment objectives and present you with the available options.
Why choose Innochain K for your Bridge Loan investments?
Our recognized expertise and rigorous approach guarantee the security and performance of your investments in European innovation.
Selection of excellence
Only the most promising projects are included in our portfolio.
Our rigorous due diligence process allows us to select only 10% of the files analyzed. This selectivity guarantees an exceptional level of quality and optimizes the risk/return profile of your investments.
Maximum security
Your investments are protected by multiple guarantees.
We diversify risks across multiple projects and implement multiple guarantees with optimized legal structures. Our historical recovery rate exceeding 95% demonstrates the effectiveness of our secure approach.
Recognized expertise
20+ years of experience serving your investments
As official experts for the European Commission and public bodies, we have privileged access to the best opportunities. Our track record of €250 million in funding analyzed and awarded guarantees an unparalleled level of expertise.
Total transparency
Complete, real-time monitoring of your investments
You have direct access to legal and financial documents, with detailed monthly reporting on company performance. Our real-time information on the progress of expected funding provides you with complete visibility into your investments.
Investment process
1
Investor profile assessment
- Analysis of your investment objectives and constraints
- Definition of the amount and duration of the commitment
- Validation of suitability with the Bridge Loan profile
2
Opportunity selection
- Presentation of available files
- Shared and transparent due diligence
- Project selection based on your sector preferences
3
Finalization and follow-up
- Signing of investment documents
- Secure transfer of funds
- Monthly monitoring with detailed reporting
Contact
Your Gateway to Innovation
We are always happy to engage with private investors looking to diversify their portfolios with investment opportunities in European innovation. Contact us to discover current opportunities.