Investor Presentaiton

4. Appendices Appendix 1 - A financing continuum, present in every key phase of business development We support individual and collaborative innovative projects, through R&D aid, financing for industrial and commercial launch, or even via equity acquisition: Innovation aid: grants, recoupable advances, R&D Innovation loan Seed loans in preparation of fundraising • Innovation loans to facilitate the launch of innovative products and services Equity investment, either directly or through partner funds Guidance and support Consulting missions, training days and networking We intervene by investing in businesses of all sizes, through co-financing with banks: •Mid-term and long-term loans Property leasing contracts ⚫Equipment leasing contracts We propose long term guarantee-free development loans, to finance intangible assets and working capital: Growth loan, 10 years loan •Subsidised Green and Digital loans Profit-sharing loans We strengthen firms' cash flow: •Refinancing publicly or privately-held receivables. Pre-financing of the Tax Credit for Competitiveness and Employment (CICE) Guidance and support Consulting missions, training days and networking We take minor stakes in growth businesses, from the seed phase to transfer, often alongside national or regional local funds: • Equity acquisition, irrespective of company size • Convertible bonds We are investing alongside private and public actors, in capital investment funds, which are investing in SMES: More than 350 partner funds, almost a third regional funds and interregional Guidance and support Consulting missions, training days and networking GUARANTEES EQUITY INVESTMENT INTERNATIONAL We support export projects: •Development or establishment support Export Insurance: Prospection, Loans, Change/ Guarantee for bonds and Prefinancing* •International growth loan Equity investment • Guarantees on bank financing devoted to international activity Consulting missions, training days and networking INNOVATION bpifrance FINANCING *. Up to 70% with the Regions We provide banks with a guarantee of 40% to 60%*, to encourage them to finance SMEs in the riskiest phases: ⚫ Creation • Transfer • Innovation ⚫International Expansion • Development •Strengthen cash flow (Up to 70% with the Regions) 32 32

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