How can you finance the creation or development of your business in Martinique?

Key takeaways

Financing can take the form of an honour loan, a public aid scheme, or a co-financed scheme. Availability, amounts and criteria vary depending on the programme and the operator. Do not commit expenses before checking the rules of the scheme targeted.

What is the role of the CTM?

The CTM exercises territorial powers and takes part in economic development policies. It can act alone or with partners and European funds. For business-facing schemes, the aid fact sheet must specify the funder, the operator, the submission point and the applicable regulations. Institutional pages describe guidelines and programmes, but do not replace the regulations in force or individual decisions.

The aid schemes referenced in Capital OS

The five fact sheets below are a starting point for research. Several are honour loans managed by support networks rather than direct grants from the CTM. The historical links and conditions in the reference database must be reconfirmed with each operator.

1. IMAEmploi honour loan

A fact sheet referenced to support sustainable recruitment in very small businesses, with an honour loan linked to hiring. The reference database mentions support of up to €5,000, calculated per hire, interest-free and with no personal guarantee. These details come from the reference database and do not confirm the current offer: ask Initiative Martinique Active for the regulations, eligible contracts, company-age limits and combination rules.

2. IMACréa honour loan

A scheme referenced as part of support for business start-ups provided by Initiative Martinique Active. Before building the financing plan, confirm that the application window exists, the accepted stage of progress, the amounts, the mandatory prior mentoring, the repayment schedule and the access conditions.

3. IMARelance honour loan

An honour loan fact sheet associated with Initiative Martinique Active for a recovery or development need. The name alone is not enough to confirm that the scheme is still open or that its criteria have not changed. Ask the operator about the funded objectives, exclusions, ceilings and documents required.

4. Réseau Entreprendre Martinique honour loan

The reference database links this fact sheet to Réseau Entreprendre Martinique. Network honour loans are generally part of a mentoring path and project selection process; the amounts, job-creation criteria and terms are specific to the local association. Check the available programme and its regulations directly.

5. Regionalised France 2030 — Innovation Projects in Martinique

This regionalised scheme targets innovation projects led by companies based in Martinique, particularly in the feasibility or development and pre-industrialisation phase. The official page consulted indicates aid of €50,000 to €500,000 and an announced period from 1 July 2024 to 30 September 2026, subject to available funding. As of 13 October 2026, this deadline has passed: do not present the call as open without a new official publication. Expenses committed before the submission date may be ineligible under the call's rules.

How to check eligibility?

1. Define the need: start-up, recruitment, cash flow, investment, innovation or business development.
2. Identify the right operator: CTM, Initiative Martinique Active, Réseau Entreprendre Martinique, Bpifrance or another body.
3. Review the current regulations and call for projects; check the dates, available budgets and company criteria.
4. Prepare the financing plan, quotes, accounts, forecasts and required supporting documents.
5. Obtain an acknowledgement of receipt and verify in writing the rules on when expenses may begin, combination with other aid, and disbursement.

Documents to prepare

Depending on the scheme: RNE extract/Kbis, SIRET number, the director's identity, annual accounts, tax and social security status, business plan, cash-flow forecast, financing plan, quotes, project timeline, and evidence demonstrating innovation or recruitment. The definitive list is the one set by the official application body.

Points of caution

An aid scheme on record may be closed, suspended, or have changed its name. Being linked to the CTM in the catalogue does not by itself establish a direct-funder role. Honour loans are not grants and involve repayment. For the regionalised France 2030 scheme, the closing date shown must be re-checked before applying.

Does the CTM directly fund all the aid schemes listed?

No. Some fact sheets are run by support networks or co-financed schemes. The funder, operator and regulations specific to each programme must be checked.

Is the Innovation Projects programme still open?

The official page consulted shows a deadline of 30 September 2026. As this deadline has passed as of 13 October 2026, you should wait for, or look for, a new official edition before considering it accessible.

Is an honour loan a grant?

No. It is a repayable loan, whose terms depend on the lending body and the programme.

Can several aid schemes be combined?

This depends on the rules of each scheme, public aid ceilings and the expenses financed. Combining aid must be validated before submission or before expenses are committed.

Identifying who funds, who assesses and who provides support

In Martinique, a fact sheet may be associated with the CTM without the Collectivité directly disbursing the aid. Schemes may be run jointly with the State, Bpifrance, Initiative Martinique Active, Réseau Entreprendre Martinique or other operators. Before recommending an aid scheme, identify the authority that decides, the body that assesses applications, the submission point, and the party that pays out the funds.

Honour loans: operator-led mentoring and decision-making

The IMAEmploi, IMACréa, IMARelance and Réseau Entreprendre Martinique fact sheets refer to honour loan schemes. To describe them accurately, check the programme still on offer, the target audience, the project stage, the job-creation or job-retention criteria, the mandatory mentoring, the amount, the repayment term and the decision-making process. Do not automatically apply a national network's conditions to its local branch. If the operator does not publish the current regulations, keep the status as “to be confirmed” and request written confirmation.

Regionalised France 2030: distinguishing the historical call from a new edition

The referenced “Innovation Projects in Martinique” fact sheet indicated a submission period from 1 July 2024 to 30 September 2026 and aid announced between €50,000 and €500,000, subject to available funding. As this deadline had passed by the time of the 13 October 2026 audit, the call must not be shown as open without the publication of a new edition or an official extension. Keep the fact sheet for historical tracking and monitoring of future editions, but clearly separate the closing date from any possible new period.

Planning the application: innovation, start-up or recruitment

For an innovation-related application, prepare a description of the product or process, its innovative nature, feasibility or development work, milestones and the budget by line item. For an honour loan application, prepare the business plan, the cash-flow forecast, equity needs and evidence of the mentoring path. For employment-related aid, specify the position, the type of contract and the recruitment timeline. The definitive documents, criteria and dates remain those set by the regulations or the local operator.

Regulations, combining aid, and when expenses may begin

The CTM's general grant award regulations provide a useful framework, but they do not replace the specific rules of each scheme. Check whether the application must be submitted before a quote is signed, an order placed, a deposit paid, or work begins. Also confirm the rules on combining with other public aid and the applicable ceilings. An honour loan, a guarantee, a bank loan and a grant must be presented separately in the financing plan, each with its own terms.

Aid status and data quality in Capital OS

As of the audit date, several fact sheets in the reference database point to older sources or to operators' general pages. The Prêt Rebond, for example, is documented as closed since 30 June 2022; the regionalised France 2030 call mentioned above had a deadline that had passed. Honour loans must be confirmed directly with the networks concerned. The catalogue should therefore keep historical schemes for traceability, but only present them as available once the status, criteria and current application window have been verified.

Official sources

• Grant award regulations — Collectivité territoriale de Martinique
• Innovation Projects — Regionalised France 2030 — State / CTM / Bpifrance
• Prêt Rebond — CTM and Bpifrance
• Support tools for business start-up and takeover — CTM — term-of-office review
• IMAEmploi honour loan — Initiative Martinique Active — URL mentioned in the reference database
• IMACréa honour loan — Initiative Martinique Active — URL mentioned in the reference database
• IMARelance honour loan — Initiative Martinique Active — URL mentioned in the reference database
• Réseau Entreprendre Martinique honour loan — Réseau Entreprendre Martinique
• Initiative Martinique Active — IMA
• Réseau Entreprendre Martinique — Réseau Entreprendre