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.

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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).

To understand the full potential of optimising your company’s financial resources, check out Business cash management: a strategic lever still too often overlooked, which explores key strategies for effective cash control.

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

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: 

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: 

In short: the business Livret A does not exist. 

If you want to explore modern, profitable alternatives to traditional saving options, see Paid business account: the new way to grow your cash flow, which explains how paid business accounts can help your cash grow efficiently.

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: 

Looking for a reliable, structured alternative? Read term deposit for businesses: the best alternative in 2025, which details why term deposits remain a strong choice for business cash management today.

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: 

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: 

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.

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: