prêt d'honneur — HODEFI
The catalogue entry mentions a prêt d’honneur of €20,000 to €50,000, with no interest or security, repayable over five years with a possible deferral. It targets innovative companies being created or less than a year old, based in Hauts-de-France and creating jobs. Current financial conditions and criteria must be confirmed with HODEFI.
Launching an innovative company often requires financing the first stages before revenue stabilises. HODEFI is listed as a regional scheme combining a prêt d’honneur (an interest-free personal loan to the founder) with support from executives, business leaders or experts. The loan aims to strengthen equity and make it easier to obtain bank financing.
Funded by Bpifrance, Métropole Européenne de Lille - MEL, Région Hauts-de-France
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Who can apply
The entry targets a company being created or created less than a year ago, with an innovative dimension and job-creation potential. Establishment in Hauts-de-France and the legal form must be checked. The association must confirm its definition of innovation and the access conditions depending on the project’s maturity.
Eligibility conditions
The loan is granted personally to strengthen the company’s equity; it does not replace a bank loan. The application must demonstrate the reality of the innovation, the market potential, the financing need and the planned jobs. Ask HODEFI whether bank co-financing is mandatory and which documents are required.
What the scheme covers
The financing targets the first development stages of an innovative company, with support that can help structure the strategy, the financing plan and relationships with professional networks. The precise costs must be validated with HODEFI in light of the project presented.
Amount and funding terms
Catalogue parameters: €20,000 to €50,000, with no interest or security, repayable over five years with a repayment deferral. Confirm the cap, deferral period, repayment schedule and whether the offer still exists with HODEFI.
How to apply
Contact HODEFI before finalising the financing plan. Prepare a presentation of the innovation, the market study, the business plan, cash-flow forecasts, investment needs and expected jobs. Ask for the updated criteria and the committee timetable.
Timeline
Current availability and committee dates are not confirmed in the catalogue entry; contact HODEFI before relying on this financing.
Key facts
- Funder
- Bpifrance, Métropole Européenne de Lille - MEL, Région Hauts-de-France
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €50,000
- Automatically extracted — check the official source
- Minimum amount
- €20,000
- Automatically extracted — check the official source
- Geographic scope
- Hauts-de-France
Frequently asked questions
Who is this scheme for?
The entry targets a company being created or created less than a year ago, with an innovative dimension and job-creation potential. Establishment in Hauts-de-France and the legal form must be checked. The association must confirm its definition of innovation and the access conditions depending on the project’s maturity.
What amount or rate can be obtained?
Catalogue parameters: €20,000 to €50,000, with no interest or security, repayable over five years with a repayment deferral. Confirm the cap, deferral period, repayment schedule and whether the offer still exists with HODEFI.
Which conditions should I check?
The loan is granted personally to strengthen the company’s equity; it does not replace a bank loan. The application must demonstrate the reality of the innovation, the market potential, the financing need and the planned jobs. Ask HODEFI whether bank co-financing is mandatory and which documents are required.
Which costs or operations are covered?
The financing targets the first development stages of an innovative company, with support that can help structure the strategy, the financing plan and relationships with professional networks. The precise costs must be validated with HODEFI in light of the project presented.
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
Related needs and funding
Competitive calls for projects
Ecological transition and CSR
Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
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