Microloan — From €300 to €5,000 | SOFIES
Social financing accessible to all. SOFIES microloan for your personal or professional projects, with dedicated support.
2.8%
APR from — Competitive fixed rates
€5,000
Maximum loan amount available
5 years
Flexible repayment duration
Finance. Without unfair barriers.
The SOFIES microloan opens access to financing for those turned away by traditional banks. Small projects, real ambitions — from €300 to €5,000 with structured social support.
Professional mobility, business creation, training — every project deserves a chance. Preferential social rate, zero hidden fees, ongoing support.
Microloan Terms
Loan Amount
From €300 to €5,000
Amounts tailored to project needs
Repayment Term
From 6 months to 5 years
Flexible repayment periods
APR
From 2.8% APR*
Preferential social interest rate
Security
Social Guarantee Fund
Solidarity-based guarantee mechanisms
Your Benefits with the SOFIES Microloan
- Accessible to All : Open to those excluded from conventional banking systems
- Personalised Support : Individual follow-up throughout the project
- Social Rate : Preferential conditions with a solidarity purpose
- Diverse Projects : Personal, professional or reintegration projects
- Zero Hidden Fees : No management fees and no early repayment penalties
Access Conditions
Prerequisites
- Limited access to conventional bank loans
- Economically viable and socially coherent project
- Precarious situation or financial exclusion
- Willingness to engage with support structure
Eligible Projects
- Vehicle purchase for professional mobility
- Micro-enterprise or self-employment creation
- Vocational training or qualification programmes
- Essential household equipment
Required Documents
Personal Documents
- Valid identity document
- Proof of address under 3 months old
- Proof of income and financial resources
- Certificates of social circumstances
Project Documents
- Full project description
- Quotes, pro forma invoices or estimates
- Financing plan and budget
- Proposed repayment schedule
Social Support
- Letter of recommendation from social worker
- Complete project portfolio
- Written commitment statement
- References or project-related certificates
Warning: If you do not meet the repayments on your loan, your account will go into arrears. This may affect your credit rating, which may limit your ability to access credit in the future.
Legal Information
- *APR Example : For a microloan of €2,000 over 36 months at 7.5% APR : 36 payments of €63, total €2,268 (credit cost : €268).
- Eligibility : Reserved for people in precarious situations or excluded from conventional banking.
- Support : Supervision by accredited social workers or recognised associations mandatory.
- Guarantee : Solidarity guarantee fund — no personal guarantor or collateral required.
- Use of funds : Exclusively for the declared and approved project purpose.
Your Project has Value.
Apply for your microloan — supported and accessible
