prêt d'honneur — Créalia
The catalogue mentions an honour loan of €20,000 to €100,000 per project, repayable over five years with a deferral of up to twelve months. It targets owners of innovative projects less than three years old supported by Réso IP+, Réseau Entreprendre or Initiative Occitanie. Conditions, amounts and recognised partners must be confirmed with Créalia.
An innovative project may need resources to move from proof of concept to the first stages of commercialisation without immediately diluting its capital. Créalia is listed for an interest-free honour loan granted personally to the project owner to strengthen the company’s equity. The loan does not replace bank credit: it can help make it easier to obtain.
Funded by Bpifrance, Financeurs privés, Région Occitanie, Union européenne
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Who can apply
The scheme targets owners of innovative projects whose company is less than three years old and who are supported by Réso IP+, Réseau Entreprendre or Initiative Occitanie. Check the innovation criteria, location, legal form, age threshold applied and the mandatory support with Créalia.
Eligibility conditions
The loan is granted personally to strengthen the company’s equity. It does not replace a bank loan but aims to make it easier to obtain. The application must present the innovation, market, financing plan, cash requirements and partners involved. Have it confirmed whether bank co-financing is required and which supporting documents are expected.
What the scheme covers
The financing targets the start-up and consolidation of innovative projects. Costs must be linked to the development path presented in the application; the catalogue does not provide an exhaustive list of eligible costs. Have budget items validated by Créalia before treating them as financed.
Amount and funding terms
Catalogue parameters: €20,000 to €100,000 per project, interest-free, with no personal guarantee, over five years with a repayment deferral of up to twelve months. Confirm the cap, deferral, repayment rules and current support conditions with Créalia.
How to apply
Contact Créalia or a partner support network before applying. Prepare a presentation of the innovation, market information, accounts or forecasts, the financing plan and the contribution needed. Ask for the selection procedure and current conditions.
Timeline
Access depends on the support and review process of Créalia. Check application periods and committees with the organisation before planning the financing.
Key facts
- Funder
- Bpifrance, Financeurs privés, Région Occitanie, Union européenne
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €100,000
- Automatically extracted — check the official source
- Minimum amount
- €20,000
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
Who is this aid for?
The scheme targets owners of innovative projects whose company is less than three years old and who are supported by Réso IP+, Réseau Entreprendre or Initiative Occitanie. Check the innovation criteria, location, legal form, age threshold applied and the mandatory support with Créalia.
What amount or rate can be obtained?
Catalogue parameters: €20,000 to €100,000 per project, interest-free, with no personal guarantee, over five years with a repayment deferral of up to twelve months. Confirm the cap, deferral, repayment rules and current support conditions with Créalia.
Which conditions should I check?
The loan is granted personally to strengthen the company’s equity. It does not replace a bank loan but aims to make it easier to obtain. The application must present the innovation, market, financing plan, cash requirements and partners involved. Have it confirmed whether bank co-financing is required and which supporting documents are expected.
Which costs or operations are covered?
The financing targets the start-up and consolidation of innovative projects. Costs must be linked to the development path presented in the application; the catalogue does not provide an exhaustive list of eligible costs. Have budget items validated by Créalia before treating them as financed.
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
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Diagnostics and audits
Takeover and transfer
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