prêt d'honneur Croissance Initiactive 95-78
The catalogue indicates an honour loan of up to €75,000, repayable over 24 to 59 months with a possible six-month deferral. It targets companies created three to seven years ago, not dependent on a large group, with a development project and at least one job to be created within twelve months. Current conditions must be confirmed with Initiactive 95-78.
A company a few years old may need to finance a change of scale: winning new markets, launching a product, modernising equipment or strengthening its team. The Initiactive 95-78 Growth honour loan is listed for managers of micro-businesses and SMEs based in the Val-d’Oise or Yvelines. The catalogue describes an interest-free personal loan combined with bank financing of at least the same amount.
Funded by Bpifrance, CA Carnelle Pays de France, CA de Cergy Pontoise, CA Plaine Vallée, CA Roissy Pays de France, CA Val Parisis, CC du Haut Val d'Oise, CC du Vexin Centre, CCI Paris Région Ile-de-France, Département 78 - Yvelines, Département 95 - Val-d'Oise, État, Financeurs privés, France Active, Région Ile-de-France, Union Européenne-FSE
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Who can apply
The scheme targets managers of micro-businesses and SMEs not dependent on a large company, based in the Val-d’Oise or Yvelines, created three to seven years ago. Liberal professions governed by a professional order, farming activities and non-sedentary activities are indicated as excluded. The tax and social security situation must be up to date and headcount or status criteria must be confirmed.
Eligibility conditions
The manager must plan to create at least one job within twelve months of the application and demonstrate a genuine project to grow turnover and/or employment. The catalogue mentions the last two balance sheets, tax returns and accounting documents. The bank loan must be at least equal to the honour loan; confirm the documents, counter-guarantee and current eligibility criteria.
What the scheme covers
Projects cited: commercial development and winning markets, new equipment, product launches, recruitment and increased working capital requirements linked to growth. The financing must be linked to measurable development and employment objectives, with a cash-flow plan demonstrating repayment capacity.
Amount and funding terms
Catalogue parameters: an interest-free personal loan of up to €75,000, repayable over 24 to 59 months, with a possible six-month deferral. The catalogue provides for an additional bank loan at least equal to the honour loan and mentions a Bpifrance counter-guarantee. Confirm the cap, terms and required co-financing with the association.
How to apply
Contact Initiactive 95-78 with the last two balance sheets, tax returns, forecasts, recruitment plan, quotes and the planned bank financing. Present turnover and employment objectives, then have the available amount, duration and committee procedure confirmed.
Timeline
The review depends on the Initiactive 95-78 timetable and the associated bank financing. Check committee sessions and current conditions before applying.
Key facts
- Funder
- Bpifrance, CA Carnelle Pays de France, CA de Cergy Pontoise, CA Plaine Vallée, CA Roissy Pays de France, CA Val Parisis, CC du Haut Val d'Oise, CC du Vexin Centre, CCI Paris Région Ile-de-France, Département 78 - Yvelines, Département 95 - Val-d'Oise, État, Financeurs privés, France Active, Région Ile-de-France, Union Européenne-FSE
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €75,000
- Automatically extracted — check the official source
- Geographic scope
- Île-de-France
Frequently asked questions
Who is this aid for?
The scheme targets managers of micro-businesses and SMEs not dependent on a large company, based in the Val-d’Oise or Yvelines, created three to seven years ago. Liberal professions governed by a professional order, farming activities and non-sedentary activities are indicated as excluded. The tax and social security situation must be up to date and headcount or status criteria must be confirmed.
What amount or rate can be obtained?
Catalogue parameters: an interest-free personal loan of up to €75,000, repayable over 24 to 59 months, with a possible six-month deferral. The catalogue provides for an additional bank loan at least equal to the honour loan and mentions a Bpifrance counter-guarantee. Confirm the cap, terms and required co-financing with the association.
Which conditions should I check?
The manager must plan to create at least one job within twelve months of the application and demonstrate a genuine project to grow turnover and/or employment. The catalogue mentions the last two balance sheets, tax returns and accounting documents. The bank loan must be at least equal to the honour loan; confirm the documents, counter-guarantee and current eligibility criteria.
Which costs or operations are covered?
Projects cited: commercial development and winning markets, new equipment, product launches, recruitment and increased working capital requirements linked to growth. The financing must be linked to measurable development and employment objectives, with a cash-flow plan demonstrating repayment capacity.
Official source
No official URL is available in our data for this grant.
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Up to €90,000
Montfort Communauté growth loan: local conditions to obtain
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Up to €30,000
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