Fund your project without interest, fully within the law in France
Sila Finance designs the legal and tax structure of interest-free financing for small and mid-sized companies and self-employed professionals. A single discipline, structuring, grounded in French law.
Sila Finance is a business line of Sila International Advisory
Professional equipment, €180,000, over 84 months
Illustrative example. Indicative figures, excluding arrangement fees and any tax specific to each company.
Cost of the financing
Interest calculated on the outstanding capital, liable to change depending on the terms of the loan.
Fixed commercial margin
Commercial margin fixed at signing, not indexed to time or to any late payment.
The structure relies on ordinary provisions of French law. No rule requires interest to be charged.
- Articles 1582 et 1583 du Code civilUnder the Code civil (the French Civil Code), a sale is complete between the parties as soon as they agree on the item and the price, which allows a firm-price transfer payable in instalments.
- Article 1650 du Code civilThe buyer's main obligation is to pay the agreed price, without that price amounting to the repayment of capital carrying interest.
- Article 1102 du Code civilFreedom of contract allows the parties to determine the content and form of the contract freely, within the limits set by law.
- Articles 1871 à 1873 du Code civilThe société en participation (an unincorporated joint venture under French law) lets a capital provider share in profits and losses, with no interest stipulated.
Run this calculation again with your own figures in the real-cost comparator
Handle the figures before anyone explains them to you
Set the amount, the term and the rate. The comparator rebuilds, in real time, the cost of compound-interest credit and that of a fixed commercial margin.
Average market rate shown for illustration only, not contractual. The commercial margin compared is set at 15%.
This tool illustrates general structuring mechanisms. It constitutes neither personalised advice nor an offer of financing.
This tool illustrates general structuring mechanisms. It constitutes neither personalised advice nor an offer of financing.
Open the full comparatorThree further simulators extend this preview, from a detailed cash-flow view to a stress test
Structuring interest-free financing
The work is the same in every situation: fix the legal form, secure its drafting and check its tax treatment. The three cases below cover most enquiries.
Fund business premises or professional equipment
Acquire an operating property, machinery or a production tool without taking out an interest-bearing loan.
Case detailsStructure a new partner's entry without creating debt
Bring a capital provider into the company's equity rather than taking on a loan.
Case detailsRestructure or exit an existing financing
Replace a conventional credit still running with an interest-free financing structure.
Case detailsYour situation fits none of these three families? Set it out; the answer is still free
How the firm is paid
Interest-free financing only makes sense if the advice around it is equally free of grey areas.
A fixed engagement fee
Our work is billed per engagement, on a quote accepted before any work begins. The amount depends neither on the size of the financing nor on whether it goes ahead.
No introduction commission
We receive no retrocession from a funder, a bank or any third party. Our only client is you.
No intermediation
We do not introduce funders and we do not collect funds. We design the legal and tax framework; you lead the commercial relationship.
A deliverable that belongs to you
You receive the documented structure, the draft deeds and the tax analysis. These items remain usable by your regular adviser.
A question about our fee, or about yours? It deserves a written answer, not a sales pitch
A free answer, from an expert, within under 24 hours
Describe your situation. You receive a written, reasoned answer, with no commitment. The most frequent questions are published here as a reference point.
An expert from the firm reviews questions every day, weekends included. The indicative delay shown on the panel at the foot of the page reflects the current workload.
- 24 hmaximum stated response time
- 0 €for the first answer, with no commitment
- 7 / 7questions are reviewed every day
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Is interest-free financing legal for a company in France?
Yes. French law imposes no interest and allows several financing structures based on a commercial margin or on profit sharing.
Read the full answerWhat is the concrete difference with a conventional bank credit?
Conventional credit charges interest on outstanding capital. Risk-sharing financing rests on a fixed margin or on a share of the actual results.
Read the full answerCan you exit a bank credit that is already running?
Yes, provided you review the early-repayment charges, the security granted and the tax timing of the operation.
Read the full answerHow is this type of financing treated for tax purposes?
The commercial margin and the profit share follow distinct regimes. The arrangement must be documented to stand up before the tax authorities.
Read the full answerDoes Sila Finance introduce funders to project holders?
No. We work only on the legal and tax structuring. No introduction of third-party funders to project holders is carried out.
Read the full answerWould you rather handle the figures on your own first? The Laboratory is open, no sign-up
The reference guide to interest-free financing under French law
A summary document: available structures, legal bases, tax points to watch and a pre-commitment checklist. Free to download, with nothing in return.
The reference guide covers the general case. For yours, an expert answers within 24 hours