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Optimyse #3

presented by October France



12 months


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Lyon, France




Presentation of the company

Created in 2013, Optimyse is active in the sales of glasses  sector. The company, managed by Laurent Sebbagh has 3 employees and is based in Lyon 6eme.

The company’s main activities are:

  • Sales of solar and correction glasses.
  • Sales of lenses.

The company works with a diversified base of private clients of the city.

The company is independant and has a large variety of glasses frame: from high ends to more budget friendly.

The shop is new, arranged in a clear and warm style.

Project Description

The company requests 90.000€ to ensure continuity following the impact of the COVID-19 crisis on its activity.

This company is experiencing a decrease in income as a result of COVID-19’s economic impact. To ensure its continuity, the company needs liquidity. The credit can be used, for example, to invest in new business channels or to keep paying fixed costs until business activities pick up again.

The French government supports this company with a State Guarantee. 90% of the principle is secured. If the company cannot repay the loan, the state will partially repay lenders on behalf of the company. Thereby, the government makes it safer for lenders to lend.

This state guaranteed loan is initially a 12 month differed loan with payment of 2% interests and capital at the end of the loan. After 12 months the borrower can (partially) repay the loan. If (part of) the loan is not repaid, the borrower will repay the loan over a period from 1 to 5 years. A new interest rate of 4.91% will then be applied.

The amount offered on the platform is limited to 44.100€, which is in line with the regulatory limits.