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SME Growth

Finance the growth of your company

Financing from 500,000 euros. Fast, flexible, no personal guarantee.

Our advantages

Financing designed for SMEs

Fast financing

Equipment acquisition, new market development or activity expansion: funds are generally available within two to three months of file approval, starting from 500,000 euros.

Adapted flexibility

Amortizable or bullet repayment, monthly, quarterly or annual payments: each parameter is adjusted to your repayment capacity and business cycle.

No personal guarantee

Unlike traditional banks, Caption structures financing around company assets, without personal guarantee from the director. Your personal assets remain protected.

A tailored solution for entrepreneurs

In a competitive environment, SMEs often need to react quickly to seize growth opportunities. However, obtaining the necessary liquidity in time can be a real challenge.

Caption offers you a financing solution tailored to your strategic needs, allowing you to support your expansion without being held back by financial obstacles.

  • Increased bank caution Banks are often cautious about financing SME expansion projects and demand unsuitable guarantees.
  • Extended bank timelines Bank processes are slow, sometimes causing you to miss crucial opportunities to accelerate your growth.
  • Balance sheet burden Banks assess direct financing of your company, biasing their risk assessment and increasing the size of your liabilities.
Discover our solution

Caption's expertise in financing complex projects and their ability to understand the specific challenges of our sector greatly helped us. This partnership has strengthened the confidence of our historical investors and allows us to confidently plan our expansion.

— Olivier Ramel, co-founder and CEO of Momoamo and Kymono
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How it works

From need to financing

1

Initial contact

Fill in the form with the key elements of your project: financial statements, business plan and financing needs. Our team gets back to you within 48 hours.

2

Discussion with our team

A dedicated manager studies your file in detail: financial fundamentals, growth potential and development strategy. Less than 5% of applications are accepted.

3

Tailored structuring

Private equity, private debt or hybrid instrument: we structure the vehicle best suited to your needs (working capital, client acquisition, tangible or intangible investments).

4

Fundraising and release

Your operation is presented to our private circle of qualified investors. Funds are allocated and released according to the agreed schedule.

Selection criteria

What we look for

Strong fundamentals

We look for SMEs with strong fundamentals and a demonstrable growth trajectory. The company must have proven its ability to generate regular margins and control operating costs.

Identified growth project

The file must present a precise, documented financing need: working capital, client acquisition, tangible or intangible investments, geographic expansion. We expect a costed plan with a realistic deployment schedule and measurable performance indicators.

Strong management team

The project leader must be an experienced manager with deep sector knowledge and a history of successful operational management. We value personal involvement, team-building ability and medium-term strategic vision.

Cash flow visibility

The company must have recurring or contracted revenues to secure debt service or future valuation. A diversified client base, ongoing contracts and low dependence on a limited number of clients significantly strengthen the file.

They trust us

These SMEs finance on Caption

Discover below a non-exhaustive list of companies that have financed their business through our bond debt solution.

Momoamo : Financement d’une activité d’hospitalité d’exception
SME Growth

Momoamo : Financement d’une activité d’hospitalité d’exception

Momoamo, spécialiste de l’organisation de séminaires d’entreprise, a levé un financement avec Caption pour accélérer le...

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Urban Cod : Financement d’une flotte de Tesla Model 3 & Y
SME Growth

Urban Cod : Financement d’une flotte de Tesla Model 3 & Y

Contexte Urban Cod, spécialiste de la location de véhicules électriques pour chauffeurs VTC premium, a connu une croissa...

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Our role

Caption, your financing partner

ACPR-licensed ISP

Caption is an Investment Services Provider licensed by the ACPR (Banque de France). This status guarantees a rigorous regulatory framework at every stage: operational compliance, investor protection and transparency of information.

Tailored structuring

We design the investment vehicle best suited to your project and timeline: simple or convertible bonds, equity participation, dedicated holding company. Each structure is calibrated to optimize financing conditions while protecting the interests of all parties.

Private investor network

Access a private circle of qualified investors, active and sectorally diversified. Our network comprises individuals and family offices who regularly invest in corporate financing operations.

FAQ

Frequently asked questions

Caption offers financing from 500,000 euros. The amount is adjusted based on your growth project, financial history and specific needs.

No. Unlike traditional banks, Caption requires no personal guarantee. Financed assets and the company serve as collateral.

Funds are generally available within two to three months after file approval. A private manager is assigned within 48 hours of your application.

All growth projects: equipment acquisition, working capital, commercial development, geographic expansion, client or intangible asset acquisition. The company must have a profitability history or demonstrate a clear, credible path to profitability.

Less than 5% of files received are accepted. We look for SMEs with positive EBITDA, a strong management team and an identified growth project.

Repayments are flexible: amortizable or bullet, with monthly, quarterly or annual payments. Duration is defined based on your repayment capacity and project.

Finance your future investments

Discover a flexible and fast financing solution, with no personal guarantees or amount limits, to support your investments.

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Submit your proposal

Are you leading a growing SME and looking for alternative financing? Contact a Caption private manager.

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