prêt d'honneur — Île-de-France Transmission (IDFT)
The official page indicates a complementary loan of €3,000 to €25,000, with no interest or personal guarantee, repayable over up to five years with up to three months’ deferral. It must complement a first prêt d’honneur and be paired with a bank loan. The project must concern a profitable company in Île-de-France, keep at least three full-time equivalent jobs and have a financing plan above €100,000.
Taking over a business can require a substantial personal contribution to convince banks and ensure continuity of activity. Île-de-France Transmission is a zero-interest prêt d’honneur fund dedicated to takeovers of micro-businesses and SMEs in the Paris Region, in addition to a first prêt d’honneur granted by Initiative or Réseau Entreprendre. It is personal financing tied to a bank loan and to job criteria.
Funded by Bpifrance, Région Ile-de-France
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Who can apply
The loan is for individuals taking over a company based in Île-de-France who have received a first prêt d’honneur from an Initiative platform or Réseau Entreprendre. The project must be profitable, keep at least three full-time equivalent jobs and have a financing plan above €100,000. Minority share buy-outs are excluded.
Eligibility conditions
The complementary loan must be granted together with the first prêt d’honneur and must be paired with a bank loan, in addition to the buyer’s own contribution. The network’s approval committee reviews the application. Have the financing structure, jobs to be kept, evidence of profitability and eligibility conditions confirmed before signing the transaction.
What the scheme covers
The scheme covers takeovers of micro-businesses and SMEs in Île-de-France with economic and job potential. It aims to strengthen the buyer’s personal contribution and ease access to bank credit; it does not fund minority share buy-outs. The financing must be part of a complete takeover plan.
Amount and funding terms
The official page confirms a personal loan of €3,000 to €25,000, with no interest or personal guarantees, repayable over up to five years with a maximum deferral of three months. The fund can bring the total of personal loans granted by the Paris Region networks up to €70,000, depending on the first loan and the review of the application. Confirm the amount available in your specific case.
How to apply
Contact the Initiative platform or Réseau Entreprendre reviewing the first prêt d’honneur. Prepare the target’s accounts, the sale price, the financing plan above €100,000, your personal contribution, the bank financing and the job retention plan. Ask for joint approval of both personal loans.
Timeline
The loan is granted as part of the review of the first prêt d’honneur by the partner networks. Check the current conditions and committee stages with the platform.
Key facts
- Funder
- Bpifrance, Région Ile-de-France
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €25,000
- Automatically extracted — check the official source
- Minimum amount
- €3,000
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
Who is this scheme for?
The loan is for individuals taking over a company based in Île-de-France who have received a first prêt d’honneur from an Initiative platform or Réseau Entreprendre. The project must be profitable, keep at least three full-time equivalent jobs and have a financing plan above €100,000. Minority share buy-outs are excluded.
What amount or rate can be obtained?
The official page confirms a personal loan of €3,000 to €25,000, with no interest or personal guarantees, repayable over up to five years with a maximum deferral of three months. The fund can bring the total of personal loans granted by the Paris Region networks up to €70,000, depending on the first loan and the review of the application. Confirm the amount available in your specific case.
Which conditions should I check?
The complementary loan must be granted together with the first prêt d’honneur and must be paired with a bank loan, in addition to the buyer’s own contribution. The network’s approval committee reviews the application. Have the financing structure, jobs to be kept, evidence of profitability and eligibility conditions confirmed before signing the transaction.
Which costs or operations are covered?
The scheme covers takeovers of micro-businesses and SMEs in Île-de-France with economic and job potential. It aims to strengthen the buyer’s personal contribution and ease access to bank credit; it does not fund minority share buy-outs. The financing must be part of a complete takeover plan.
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
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PHAR Bretagne: funding the seed stage of an innovative business
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Up to €90,000
Montfort Communauté growth loan: local conditions to obtain
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Up to €30,000
Other grants from Bpifrance, Région Ile-de-France
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