Financing your project in La Réunion: business creation, employment integration, agriculture and calls for projects

Introduction

Who is this guide for?

The Département of La Réunion publishes a guide to grants aimed in particular at employment integration, long-term care/autonomy, housing and business creation. Some business-creation grants target people in precarious situations and take the form of a repayable advance or support/mentoring, and are therefore not grants open to any company. The ADEN scheme is presented for groups meeting social conditions, with a repayable advance of up to €8,000 and specific cumulation terms. Agricultural and association calls for projects have their own beneficiaries and deadlines; closed editions must be kept separate from active opportunities. A person in a precarious situation considering setting up a business in La Réunion can look at ADEN or PREFACE, but must go through the administering partner and meet individual criteria. These grants should not be confused with a generic grant to the company. TAJ ETI/NSA targets a very specific group, and the published maximum amount is not an automatic amount. For agriculture, the call's factsheet must be opened to check whether the campaign is still open for applications: several 2026 calls are now closed. The catalogue must clearly separate repayable advances, grants, support/mentoring and historical calls for projects. The guide is aimed at businesses, associations, ESS organisations and local authorities only where the scheme's rules include them. The existence of a public policy in the département does not prove that every local applicant is entitled to it.

Territorial overview of funding

The Département of La Réunion publishes a guide to grants aimed in particular at employment integration, long-term care/autonomy, housing and business creation. Some business-creation grants target people in precarious situations and take the form of a repayable advance or support/mentoring, and are therefore not grants open to any company. The ADEN scheme is presented for groups meeting social conditions, with a repayable advance of up to €8,000 and specific cumulation terms. Agricultural and association calls for projects have their own beneficiaries and deadlines; closed editions must be kept separate from active opportunities. A person in a precarious situation considering setting up a business in La Réunion can look at ADEN or PREFACE, but must go through the administering partner and meet individual criteria. These grants should not be confused with a generic grant to the company. TAJ ETI/NSA targets a very specific group, and the published maximum amount is not an automatic amount. For agriculture, the call's factsheet must be opened to check whether the campaign is still open for applications: several 2026 calls are now closed. The catalogue must clearly separate repayable advances, grants, support/mentoring and historical calls for projects. The main institutional sources are: Guide to Département de La Réunion grants; Département grant for new business creation (ADEN); Département grant for business creation (PREFACE); TAJ ETI/NSA; Closed calls for projects. A catalogue, a set of rules, a form, a public budget, a support service and a call for projects must all be distinguished from one another.

Qualifying the applicant before looking for a grant

Qualifying the applicant is the first filter in matching. Note the legal form, the size of the business, its actual activity, any membership of a group, the location of the establishment bearing the expenses, and the date of incorporation. A commercial company, a farm business, an association, a cooperative, a municipality (commune) and an EPCI (inter-municipal body) do not have the same rights. Territorial solidarity schemes are often reserved for local authorities; calls for social projects may target associations or specialised operators; agricultural grants require a specific status and expenses relating to agricultural production, processing or marketing. The fact that a company carries out the works of a public project does not make it the beneficiary of the grant awarded to the project owner.

Mapping funders and areas of responsibility

A local project can draw on the Département, the Région, State services, a national operator, the European Union or an inter-municipal body (intercommunalité). The presence of a scheme on a Département portal does not prove that the Département is its legal funder. Some rules are co-financed, delegated or administered by a partner. Check the delegation agreement, the aid scheme, the name of the managing authority and the department to which the application should be sent. Distinguish between grants, repayable advances, loans, guarantees, tax exemptions, non-financial support and calls for expressions of interest. For business aid, the Région's economic remit and local agreements may limit the Département's role; territorial support to local authorities can nonetheless have indirect economic spin-offs. Each line of the catalogue must explain precisely who receives the money and what it is used for.

Identifying expenses and the timeline

Build a budget item by item: equipment, works, studies, services, software, staff costs, training, land, vehicles, communication or operating costs. Do not assume that all categories are eligible. For each expense, keep the quote, the planned commitment date, the amount excluding and including VAT, the VAT treatment, and the link to the project's outcome. The start date is particularly important: several grants prohibit ordering goods or starting works before the application is filed, while others require prior authorisation or a selection committee. Also check the implementation period, the period during which the investment must be maintained, and any publicity obligations. In the absence of explicit information, note "to be confirmed with the administering department" rather than inventing a general rule.

Preparing a reusable file without making it generic

Build a reusable documentary base: registration extract, articles of association, group presentation, annual accounts, financial forecast, tax and social position, bank details (RIB), financing plan, quotes, timeline, description of the market, jobs concerned and expected results. Add the documents specific to the programme: proof of agricultural status, ESS accreditation, a local authority resolution, planning permission, an energy audit, proof of a claim/incident, or a partnership agreement. A generic file does not replace the scheme's own form and appendices. Declarations of public aid already received and cumulation rules must be prepared in advance. Keep the version of each document, the filing date, the acknowledgement of receipt and correspondence with the administering department so that compliance with the timeline can be proven.

Building a realistic financing plan

The financing plan must separate secured resources, applications filed, conditional funding and own contributions. A grant applied for but not yet notified must not be presented as secured. Do not count the same expense twice, and check aid-intensity caps, de minimis rules and any restrictions linked to combining European funds. Compare available cash flow with the expense timeline and the payment schedule of the aid: a grant may be paid against supporting documents, as a partial advance, or after completion. For an association, distinguish operating aid from support for a specific project; for a company, separate productive investment from current expenses; for a local authority, comply with public procurement rules and the financing plan required by the programme.

Avoiding confusion between an open programme and a historical reference

A press article, a past award decision or an adopted budget are not enough to show that a scheme is open. Look for a current aid factsheet, a set of rules, a call for projects and filing dates. If the page gives no period, keep the status "opening to be confirmed". A campaign whose deadline has passed must be marked "closed" even if the content is still online. A grant paid to a named organisation is not automatically accessible to every company in its sector. For multi-year programmes, check the programming year, the budget still available and whether a window for applications actually exists.

Treating agricultural and agri-food aid separately

Farm businesses must be filtered by status, activity, location and the type of project: setting up, modernisation, on-farm processing, direct sales, short supply chains, shared equipment, agroecological transition or climate adaptation. CAP and FEADER (EAFRD) schemes follow specific rules and calendars; some measures are tied to land area or annual commitments rather than to a conventional investment. Processing and marketing projects may fall under a responsibility shared with the Région. Before reusing a grant described in an old report, check the current agreement and rules. For agricultural equipment cooperatives, distinguish the collective structure from its member farms. For health or climate compensation, require proof that the incident, the sector and the territory fall within the official scope.

Handling environmental projects with precision

Projects for energy renovation, resource efficiency, biodiversity protection, water management and waste reduction may draw on different schemes. First identify the nature of the action and the eligible beneficiary. A climate fund aimed at local authorities and associations must not be presented as a direct grant to farmers or SMEs. For a company, also explore aid from ADEME, the Région and the relevant river-basin water agency, without automatically attributing this funding to the Département. For a local authority, check territorial funds and compatibility with other public aid. Preliminary audits and studies may be treated differently from works or equipment. Keep baseline indicators and expected results, in particular energy savings, volumes of water saved or restored land areas.

Retail, crafts, industry and real estate

For a shop or a craftsperson, examine the preservation of a local activity, accessibility, premises renovation, digitalisation and business transfer. For industry, analyse the modernisation of production equipment, energy efficiency, robotisation, innovation and job creation. Property aid may fall under an inter-municipal body or an agreed scheme rather than direct Département aid. Check the building's owner, the lease, the intended use of the premises, the permits and the conditions for maintaining the activity. Vehicle costs, the purchase of a business (fonds de commerce), second-hand equipment and works are not universally eligible. A takeover project requires separating the acquisition price, post-takeover investment and working-capital needs. Do not present a loan or a guarantee as a grant.

Tourism, heritage and local services

For accommodation, a restaurant, a leisure activity or a rural service, link the investment to a clear economic strategy: renovation, upgrading, extending the season, accessibility, reducing environmental impact or job creation. LEADER programmes can support certain private or public projects within a specific area, but they are administered by a local action group and depend on a programming cycle. Check the local strategy, open calls and the date from which expenses may begin. Heritage or development funds are often intended for municipalities, associations or property owners meeting specific conditions. A commercial project located in a rural municipality is not eligible merely because of where it is located: the nature of the applicant and the scheme's criteria must be checked.

Social and solidarity economy (ESS) and calls for projects

ESS calls for projects may target associations, foundations, mutual insurers, cooperatives, work-integration structures or ESUS-accredited companies. Read the exact definition of the beneficiary, the territory, the theme and the timetable. A past edition must remain a historical reference after its closing date. The application must explain the social need, the target groups, the partners, the evaluation method, the budget and sustainability after the funding ends. Some grants fund a one-off project, others an experiment or a multi-year action; reporting and expenditure-justification obligations may be a condition for payment or for future applications. Ordinary commercial companies should not be included by default in an ESS category.

Combining aid, State aid rules and traceability

Before adding several grants together, identify the applicable legal regime and caps. Territorial grants may fall under different State aid regimes depending on the activity and the nature of the investment. European funds have their own rules on eligibility, controls and avoiding double funding. For each aid, record the reference of the rules, the version date, the awarding authority, the amount granted, the expenses covered and any other cumulated funding. For an exemption scheme, specify that it is a tax advantage and not a payment. For a loan or a repayable advance, state the repayment obligations. The documentation must allow an analyst to justify why a scheme is proposed or ruled out, rather than relying on general keywords.

Conclusion: reliable guidance rather than a promise

Researching territorial grants must be carried out as a qualification and verification exercise, not as a simple list of programme names. Official portals help identify leads, but the detailed rules, dates and target groups must be confirmed. Capital OS's role is to organise the sources, flag the determining criteria and make the unknowns explicit. Closed schemes remain useful for historical reference and monitoring, but must never be presented as immediately available. This discipline reduces false positives and lets the user spend their time on programmes genuinely suited to their status, their territory and their project.

Points of attention specific to the territory

A person in a precarious situation considering setting up a business in La Réunion can look at ADEN or PREFACE, but must go through the administering partner and meet individual criteria. These grants should not be confused with a generic grant to the company. TAJ ETI/NSA targets a very specific group, and the published maximum amount is not an automatic amount. For agriculture, the call's factsheet must be opened to check whether the campaign is still open for applications: several 2026 calls are now closed. The catalogue must clearly separate repayable advances, grants, support/mentoring and historical calls for projects. The Département of La Réunion publishes a guide to grants aimed in particular at employment integration, long-term care/autonomy, housing and business creation. Some business-creation grants target people in precarious situations and take the form of a repayable advance or support/mentoring, and are therefore not grants open to any company. The ADEN scheme is presented for groups meeting social conditions, with a repayable advance of up to €8,000 and specific cumulation terms. Agricultural and association calls for projects have their own beneficiaries and deadlines; closed editions must be kept separate from active opportunities. Never infer that a scheme is open from a budget, a press article or an old resolution.

Official leads specific to the territory

The following leads are recorded with their status and caveats. Département grant for new business creation (ADEN) — funder: Département de La Réunion. Repayable advance and support for certain founders in precarious situations and other eligible groups. Status: Official factsheet: repayable advance of up to €8,000; strict beneficiary and cumulation conditions. Action: Check social status, length of time registered as unemployed where applicable, age/registration, cumulation and the administering partner. PREFACE — aid for the feasibility of a start-up project — funder: Département de La Réunion. Coverage of feasibility costs such as supplier research or a preliminary study. Status: Official scheme; detailed criteria and the procedure via the Réseau Points Chances to be confirmed. Action: Qualify the applicant, the preliminary expenses, the invoices and the partner administering the application. TAJ ETI/NSA — funder: Département de La Réunion. Support for developing an activity for young people under 31, RSA recipients and ETI/NSA groups according to the published criteria. Status: Official factsheet indicating a maximum of €8,000; the amount awarded and the conditions depend on the file. Action: Check age, RSA status, ETI/NSA status, registered office in La Réunion, the project's economic substance and the timetable. Call for projects for Réunion-based associations in mainland France or Europe 2026 — funder: Département de La Réunion. Support for certain Réunion-based associations established in mainland France or Europe on social, cultural or integration themes. Status: Campaign closed on 31/03/2026; do not present it as open. Action: Keep as a historical reference and watch for a possible new edition; do not extrapolate the criteria or dates. Agricultural and FEADER calls for projects — funder: Département de La Réunion / programme operators. Leads for applied research, agronomic experimentation and agricultural cooperation suited to the island context. Status: Several 2026 calls shown with past closing dates; check each factsheet and specification before use. Action: Check the edition, the network-member beneficiary where applicable, the implementation period and expense eligibility.

Complementary partners to explore

To complement the schemes of Département de La Réunion, consider the Île-de-France Région, ADEME, Bpifrance, the Initiative network and ESS operators depending on the project. Each programme must be checked separately: eligible applicant, territory, expenses, timetable, aid regime and cumulation rules. A general source alone does not establish eligibility.

Official sources

Written content, currently under editorial review — this is not an eligibility assessment; only your personalised report applies your company's actual criteria.