Fédération Nationale des SOCAMA

50 Avenue Pierre Mendès-France
75013 PARIS

+33 1 58 40 58 90

Created by and for entrepreneurs, SOCAMA is a mutual guarantee society that guarantees professional loans for customers of the Banque Populaire. SOCAMA supports entrepreneurs in achieving their creative, development and recovery projects.

Serving professionals as its core business, SOCAMA is managed by trade experts who know your profession and your territory. Professionals bring their knowledge and validate the granting of the SOCAMA guarantee in local credit committees.

SOCAMA shares the financing risk, facilitates also access to credit and thereby limits the use of the assets of borrowers in the event of company failure. To support entrepreneurs is to recognize their qualities and professional expertise.


Year of creation
individual entities or association
Do you (your members) benefit of a public counter-guarantee that allows deponderation (capital relief)?No
Do your guarantees provide deponderation (capital relief) for member banks subject to capital requirements (Basel agreement)?No
Do you (your members) dispose of an internal rating/scoring system?No
Do you (your members) use..?
De minimis or GBER or Regional guidelines or Notification
Is the activity subject to state aid regulation?No
Other SME support instruments offered by your organisation/your members
Subsidized loans or Mezzanine financing or Venture capital or Coaching or Mediation services
Types of guarantee products provided by your organisation/your membersLoan default guarantees
Are you/your members financial intermediary for EU-programmes?
CIP/COSME or Structural funds or Progress or RSI/RSFF Horizon 2020
Do you benefit from a counter-guarantee at local, regional or national level?
Local level or Regional level or National level
Type of scheme
guarantee or counter-guarantee
Product typology
guarantee or counter-guarantee or co-guarantee
Profit / Non-profit oriented
dividends to public shareholders are not considered as profit orientation
Non-profit oriented
Supervision statute
i.e. mono-product banking licenses, financial intermediary statute, non-supervised. For associations, please state statute of members
Mono-product banking licences
Size of businesses supported
i.e. large companies, SMEs, micro-enterprises, independent/self-employed
SMEs, Micro-enterprises, Independent/Self-employed
Sectorial focus
i.e. agriculture, industry, crafts, retail, liberal professions, cooperatives, etc.
Crafts, Retail, Liberal professions
Geographic coverage
i.e. local, regional, national
Structure / Network
i.e. central scheme with regional offices, central scheme only, association network
Legal form
of members of an association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Legal form
of single guarantee entity or association: i.e. fund, development bank, development agency, cooperative or mutual societies, bank, foundation, association, limited company, etc.
Shareholder structure
Private / Public (in %)
Private 100 %
i.e. fully mutual, funded by SMEs, banking associations, fully public, fully private, private-public, mixed models
Fully mutual, funded by SMEs