prêt d'honneur — Wilco Initiative
Purpose of the scheme: support the creation of innovative companies in the Île-de-France region. Targeted operations: strengthening the company’s equity (working capital for a commercial operation, share capital, etc.); leverage to obtain a bank loan or other sources of financing; financing a first hire; etc. In practice, link the project’s need to the admission conditions, then prepare a consistent financing plan and supporting documents.
Prêt d’honneur Wilco Initiative aims to support the creation of innovative companies in the Île-de-France region. To find out whether the scheme fits your situation, start by checking the area concerned (it is a local scheme), the company’s stage and the exact nature of the project. The details below come from the catalogue and should be checked with the organisation before building your financing plan.
Funded by Bpifrance, Financeurs privés, Région Ile-de-France
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Who can apply
Beneficiaries mentioned in the catalogue: innovative companies in Île-de-France less than 3 years old with 1 to 4 partners. The company must have been selected by one of WILCO’s 5 thematic accelerators following their calls for applications.
Eligibility conditions
Conditions listed in the catalogue: each beneficiary of the prêt d’honneur must hold at least 5% of the capital and work in the company. When signing the loan agreement, they undertake to contribute the loaned funds to the company, in one of three ways: as share capital, as a shareholder current account, or as a blocked shareholder current account. Where contributed to a current account, the borrower may later convert it into share capital.
What the scheme covers
Operations indicated in the catalogue: strengthening the company’s equity (working capital for a commercial operation, share capital, etc.); leverage to obtain a bank loan or other sources of financing; financing a first hire; etc.
Amount and funding terms
Financial terms indicated in the catalogue: a prêt d’honneur with no interest or security, granted personally, over 5 years including a 12-month repayment deferral. The maximum loans granted to the partners of a single company are €90k for all companies, and €150k for a few companies a year with potential for rapid commercial growth. Entrepreneur loans are at least €7.5k per partner and can reach €30k per partner, or €50k per partner within a loan of up to €150k. By increasing equity, this personal entrepreneur loan lets companies maximise leverage with other funders (for example Bpifrance), which generally lend up to the level of the company’s equity.
How to apply
1. Check that the project and the company fall within the area covered. 2. Compare the founder’s profile, the project stage and the expected targets with the conditions listed. 3. Prepare a business plan, a financing plan, cash-flow forecasts and the relevant supporting documents. 4. Ask the funder for the official list of documents and the current selection process. 5. Get written confirmation of the terms before treating the financing as secured.
Timeline
The information available does not confirm a deadline or an opening period. Check with the funder the upcoming deadlines, the review time and the rule on when the project may start.
Key facts
- Funder
- Bpifrance, Financeurs privés, Région Ile-de-France
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €150,000
- Automatically extracted — check the official source
- Minimum amount
- €7,500
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
What is the purpose of Prêt d’honneur Wilco Initiative?
Support the creation of innovative companies in the Île-de-France region.
What amount is indicated?
Financial terms indicated in the catalogue: a prêt d’honneur with no interest or security, granted personally, over 5 years including a 12-month repayment deferral. The maximum loans granted to the partners of a single company are €90k for all companies, and €150k for a few companies a year with potential for rapid commercial growth. Entrepreneur loans are at least €7.5k per partner and can reach €30k per partner, or €50k per partner within a loan of up to €150k. By increasing equity, this personal entrepreneur loan lets companies maximise leverage with other funders (for example Bpifrance), which generally lend up to the level of the company’s equity.
Who can benefit?
Beneficiaries mentioned in the catalogue: innovative companies in Île-de-France less than 3 years old with 1 to 4 partners. The company must have been selected by one of WILCO’s 5 thematic accelerators following their calls for applications.
What should I prepare?
The project description, the financing plan, financial forecasts and the supporting documents requested by the funder.
Official source
No official URL is available in our data for this grant.
Other grants of type “honour loan”
Prêt d’honneur Solidaire: completing the financing of a start-up or takeover
Bpifrance
Up to €8,000
PHAR Bretagne: funding the seed stage of an innovative business
Région Bretagne
Up to €90,000
Montfort Communauté growth loan: local conditions to obtain
Montfort Communauté
Up to €30,000
Other grants from Bpifrance, Financeurs privés, Région Ile-de-France
Réseau Entreprendre Seine et Marne – prêt d’honneur (interest-free personal loan)
Bpifrance, Financeurs privés, Région Ile-de-France
Up to €50,000
Réseau Entreprendre Val de Marne – prêt d’honneur (interest-free personal loan)
Bpifrance, Financeurs privés, Région Ile-de-France
Up to €100,000
Related needs and funding
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Support and acceleration
Diagnostics and audits
Takeover and transfer
Discover the funding that fits your company
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