How can you find financing to create or grow a business in French Polynesia?

In brief

The Chamber of Commerce, Industry, Services and Trades (CCISM) of French Polynesia publishes an overview of financing and support schemes for businesses in the territory. The official page refers in particular to loans, investment aid and schemes operated by various organizations of the Pays or partners. Capital OS links the CCISM to the “Prêt d'honneur Initiative Polynésie Française” (aid ID 8775). This link should be interpreted as a referral or support connection, not as proof that the CCISM disburses the loan: the scheme is presented on the official page with a separate Initiative Polynésie contact.

A gateway to the Pays's schemes

The CCISM helps businesses identify the schemes available depending on their activity, stage of development and the nature of the project. Its official overview distinguishes several categories: microcredit and support, guarantees, participatory loans, honor loans and investment aid. Not all the organizations mentioned are the CCISM. This referral function is particularly important when the rules vary by sector, island, company size or type of expense.

The Initiative Polynésie honor loan

The reference database links the CCISM to the “Prêt d'honneur Initiative Polynésie Française” (aid ID 8775). The CCISM's official page describes an interest-free personal loan, with no guarantee or processing fees, with amounts and durations that vary depending on the project category and sector. It identifies Initiative Polynésie as the contact. The terms shown on the page must nonetheless be confirmed with this operator before any application: activity criteria, equity contribution, bank or Sofidep co-financing, repayment duration, grace period and possible insurance. The loan is repayable and should not be classified as a grant.

Other instruments not to confuse with this one

The CCISM page also mentions solutions operated by other bodies, notably ADIE for microcredit, SOGEFOM for guarantees, SOFIDEP for participatory loans, and several public aids tied to investment or specific sectors. For example, equipment aid may be granted by the Direction générale des affaires économiques, while the CCISM helps prepare the application.

Preparing a targeted search

Before contacting the CCISM, clarify the activity, the island where the business is located, the legal form, the company's age, the amount sought and the planned expenses. For a loan, document the need, the equity contributions, the repayment capacity and any complementary financing. For investment aid, check the eligible equipment, the rates, caps and any sector-specific restrictions. The CCISM page links to a summary dated June 2026; it should be checked whether this document has been replaced and whether the relevant fund still has budget available.

Frequently asked questions

Does the CCISM award the Initiative honor loan? The official page identifies Initiative Polynésie as the contact for this scheme; the CCISM serves as a referral point. Is the loan a grant? No, it is a repayable loan. Are all the aids on the page funded by the CCISM? No, several Pays organizations and partners are explicitly mentioned. Are the published amounts guaranteed as of today? They must be reconfirmed with the operator and checked against the rules in force.