CCI Grenoble — Prêt à taux zéro pour commerçant
How to use CCI Grenoble — zero-interest loan for retailers to finance a project?
Zero-interest loan for retailers: supplementary financing in Auvergne-Rhône-Alpes. Amounts, criteria, conditions and the official source to check before applying.
Summary
CCI Grenoble describes a zero-interest loan for certain retailers in the Auvergne-Rhône-Alpes region, for creation, takeover or development projects. The page indicates an amount of €3,000 to €20,000, representing 20% of the bank financing granted and disbursed, over a five-year term with a capital deferral of up to one year. The scheme is distributed with Banque Populaire Auvergne-Rhône-Alpes and provides for a guarantee shared between the Région and SOCAMA. The page notably mentions annual revenue below €1.5m and excludes certain activities: check the updated criteria.
Role and scheme
The loan is not standalone financing: it is tied to additional bank financing. The application must specify the use of the funds and the amount of the bank loan.
Services and instruments identified
Zero-interest loan for retailers: €3,000 to €20,000; stated term of 5 years; possible one-year capital deferral; amount representing 20% of the disbursed bank financing. Distribution stated via Banque Populaire Auvergne-Rhône-Alpes; Région/SOCAMA guarantee. Stated criterion: based in Auvergne-Rhône-Alpes with annual revenue below €1.5m, with sector exclusions.
Projects to consider
Define the project type: creation or takeover, productive investment, innovation, hiring, business development, export or transition. Prepare a detailed budget, quotes, the latest available accounts, a forecast and the financing plan including planned contributions and bank financing.
Checks before applying
Confirm that the scheme is open and that the business is located in the eligible territory. Check eligible sectors and expenses, caps, the application timeline, repayment terms, co-financing and the rules on combining aid. Do not incur expenses before checking any rules requiring the application to be submitted beforehand.
Does the CCI always disburse the financing?
No. Depending on the scheme, the CCI may inform, support or manage a partnership offer; the granting of funds depends on the scheme's rules and the relevant committee or funder.
Are the stated amounts guaranteed?
No. They are taken from the official pages consulted and remain subject to the scheme being open, the available budget and the eligibility of the application.
Main source
https://www.grenoble.cci.fr/produit/pret-taux-zero
Additional source
Verification status
Official page last updated on 02/06/2026; confirm the product's availability, the distributing bank and the detailed criteria.
Type
Local CCI — documented financing scheme or service
Written content, currently under editorial review — this is not an eligibility assessment; only your personalised report applies your company's actual criteria.
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