France corporate loans up to EUR 0.25M: over ten years
France corporate loans up to EUR 0.25M: over ten years stood at 3.58% in Aug 2026, according to ECB Data Portal – MFI interest rate statistics (MIR), reported by Banque de France. It is one of the indicators in the Bank interest rates and new loans table (Value · Monthly), with a complete series running from Jun 2010 to Aug 2026. The complete series with an interactive chart, free to download.
This indicator in the Bank interest rates and new loans table
| Indicator | 08-2026 | 07-2026 | 06-2026 | 05-2026 | 04-2026 | 03-2026 | 02-2026 | 01-2026 | 12-2025 | 11-2025 | |
|---|---|---|---|---|---|---|---|---|---|---|---|
| All loans | |||||||||||
| Loans to corporations of up to EUR 0.25M with an interest rate fixation period of over ten years (new business) | 3.58 | 3.59 | 3.56 | 3.51 | 3.49 | 3.46 | 3.45 | 3.42 | 3.41 | 3.41 | |
| Loans to corporations of over EUR .25M & up to EUR 1M with an interest rate fixation period of over ten years (new business) | 3.63 | 3.67 | 3.62 | 3.58 | 3.56 | 3.56 | 3.52 | 3.49 | 3.46 | 3.45 |
Understanding france corporate loans up to EUR 0.25M: over ten years
This series tracks borrowing costs for the smallest commercial enterprises securing long-term rate stability, covering newly agreed bank loans up to a quarter of a million euros with an initial interest rate fixation period exceeding ten years. It isolates micro-enterprise financing committed over extended horizons, omitting larger corporate facilities and short-term credit lines. The metric highlights the long-term borrowing conditions faced by micro-firms and self-employed operators.
When reading this indicator, analysts should examine monthly movements in newly established credit contracts to assess shifts in micro-business financing costs. Due to the specialized nature of very long-term micro-loans, monthly figures can display sample-related volatility. Revisions to preliminary data occur when financial institutions submit delayed reports. Comparing these micro-loan rates with large-corporate long-term figures demonstrates the structural credit risk spread maintained by commercial lenders.
Frequently asked questions
- What is the maximum loan size for this indicator?
- Loan amounts are restricted to a maximum of 0.25 million euros.
- How long must the interest rate be fixed?
- The fixation period must exceed ten years.
- Does this series capture long-term financing for self-employed individuals?
- Yes, it includes micro-loans typically utilized by small enterprises and self-employed borrowers.