The business Livret A: how can entrepreneurs make the most of their money?

Are you looking for a simple and accessible way to make the most of your business cash? You may have wondered whether the Livret A, which is France’s favourite savings product, also exists for businesses, in the form of a business Livret A. And for good reason: secure, tax-free, and offering a guaranteed rate, it ticks all the boxes for easy saving.

Unfortunately (or not), the business Livret A doesn’t exist, except in very specific cases. For the self-employed, this raises a serious question: where can you place your short- or medium-term business cash, without taking excessive risks and while keeping things simple?

In this article, we’ll explain why the Livret A isn’t available to businesses, and show you modern, flexible, and accessible alternatives available in 2025 to manage your cash more effectively.

Sommaire 

1. Why manage your business cash?
2. What is the Livret A and why doesn’t a business version exist?
3. Business Livret A: what options are available for businesses?
4. The simplest alternative to the business Livret A: the Vivid Interest Account
5. FAQ

Why manage your business cash?

If you’re self-employed, chances are you don’t have a whole finance team to monitor your accounts. And yet, cash is a vital part of any business: it’s what gives you room to move. That’s why you’re probably looking for a simple solution like the business Livret A (even if it doesn’t exist).

Having some liquidity on hand can transform your business by allowing you to:

• Seize opportunities as they arise, without waiting for a loan.
• Deal with unexpected expenses without unbalancing your operations.
• Move forward day-to-day with greater peace of mind.

To play that role, your money needs to remain accessible. Leaving your business cash inactive is a missed opportunity, it’s actually a loss. Inflation doesn’t take breaks: even at just 3% a year, it’s a real hit to your purchasing power. And that’s the trap. Every euro sitting idle quietly loses value without you even noticing: what you don’t invest, you effectively lose. On the other hand, well-managed cash instantly becomes a strategic lever—even with modest sums.

And yet, many sole traders, micro-businesses and SMEs still leave their money stagnant, simply because there’s no simple, suitable solution available. That’s why some turn to something familiar, like the idea of a business Livret A.

What is the Livret A and why doesn’t a business version exist?

The Livret A is a regulated savings product backed by the French government. It’s available to individuals, certain non-profits, and specific institutions like housing associations and mutuals. It offers several major benefits: 

• A tax-free interest rate (1.7% as of 1 August 2025)
• No income tax or social charges
• Immediate access to your funds 

But this product is strictly limited to non-commercial users. That means you’re not allowed to open a Livret A in your business’s name if you are: 

• A sole trader (auto-entrepreneur, EI, EURL, etc.)
• A company (SARL, SAS, etc.)
• A self-employed professional

In short: the business Livret A does not exist. 

Business Livret A: what options are available for businesses?

When you're looking to place surplus business cash, your first instinct may be to look for familiar financial products like the Livret A. But the options available to businesses are quite different.

While the business Livret A doesn’t exist, there are other options such as the fixed-term deposit (Compte à Terme) and the standard investment account (Compte-Titres Ordinaire or CTO).

Alternative 1 to the business Livret A: the fixed-term deposit (CAT)

At first glance, it’s a straightforward option, much like the Livret A: you deposit a sum, choose a term, and the bank pays interest at the end. But in practice: 

• Your funds are locked for the entire term of the contract. 
• Withdrawing early triggers penalties that can wipe out all your interest. 
• You only receive your interest at maturity, which makes cash flow harder to manage. 

In short, it looks profitable on paper, but is often rigid and restrictive in practice—especially for the day-to-day realities of small businesses.

Alternative 2 to the business Livret A: the standard investment account (CTO)

Another option: investing your business cash in the financial markets via a standard investment account (CTO). It’s a potentially rewarding approach if you’ve got the time and knowledge, but it also has serious downsides: 

• Capital risk: much more volatile than a Livret A.
• Tax complexity: gains are taxed in a specific and often unpredictable way.
• Active management required: you need to monitor and understand your investments. 
• No guarantee: your capital isn’t protected.

For growing businesses, freelancers, or entrepreneurs who want to stay focused on their work, this isn’t the most practical option.

The simplest alternative to the business Livret A: the Vivid Interest Account

At Vivid, we believe growing your business cash shouldn’t be a headache. No confusing terms. No locked funds. No trade-off between returns and freedom.

That’s why we created the Interest Account, a solution that makes the idea of a business Livret A completely outdated. It’s simple, flexible and effective for businesses that want full control of their money while letting it work every day.

How does the Vivid Interest Account work?

Opening an Interest Account takes just a few minutes, straight from the Vivid app or your online dashboard. It’s a dedicated savings account, fully separate from your main account.

Here’s how it works: 

• You can top up your account easily from your current account in just a few seconds.
• No constraints: no minimum term, no deposit limits, no withdrawal fees. Just simplicity.
• Your money remains accessible at all times, with no penalties.
• Interest is paid daily, automatically calculated based on your daily balance.
• The interest rate is fixed, known in advance, and depends on the Vivid plan you choose.

In short: if you’re looking for a flexible, no-hidden-fees alternative built around real business needs, the Vivid Interest Account is made for you.

And if you want to go further, three investment portfolios are also available, offering up to 5% annual returns, always with full transparency and control.

Pour profiter de ce Compte Intérêts et bénéficier de tous ces avantages, ouvrez un compte en quelques clics : https://vivid.money/fr-fr/ 

The Vivid Interest Account is part of the wider Vivid ecosystem—a neobank designed for freelancers, small businesses and growing companies that need real tools, without the paperwork.

With your Vivid account, you’ll have access to:

• A free VISA card and unlimited SEPA transfers
• Up to 10% cashback on your business expenses
• Built-in accounting tools
• Business cash management
• 24/7 customer support

FAQ

Can a business open a Livret A?

No. The business Livret A does not exist. The Livret A is strictly limited to individuals, non-profit associations and certain public institutions. Businesses, including sole traders and the self-employed, cannot open one.

Why is the Livret A not available to businesses?

Because it’s designed as a public interest tool. Funds deposited in Livret A accounts are used by the Caisse des Dépôts to support social housing and public projects. It’s not a commercial product aimed at businesses.

Is there an equivalent to the Livret A for professionals?

Not really. There’s no regulated savings account like the business Livret A.

But at Vivid, we offer a modern, flexible, and accessible alternative: the Interest Account, a tool designed to help your business cash grow with no deposit limits, no fixed term, and a fixed rate announced in advance. It’s a simple, 100% online solution that lets you earn from your money, without the usual complexity.