Prêt d’honneur IMACréa (start-up honour loan, Martinique)
The catalogue mentions a start-up honour loan capped at €25,000, limited to 50% of needs above €8,000, with a cap of €15,000 for a micro-enterprise. The total term, including deferral, is seven years maximum. The investment project is capped at €200,000 (€30,000 for a micro-enterprise) and the business must be based in Martinique.
Creating or taking over a business in Martinique may require an additional contribution and start-up support. IMACréa, run by Initiative Martinique Active, combines an interest-free honour loan with post-financing project follow-up. The criteria are precise, particularly for micro-enterprises and certain sectors; the application must be submitted before the investments are made.
Funded by Collectivité territoriale de Martinique (CTM), Financeurs privés, Union Européenne-FEDER, Union Européenne-FSE
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Who can apply
The scheme targets businesses being created or registered for less than 36 months, as well as certain takeovers through the purchase of goodwill or shares. The owner must be at least 18, live in Martinique and base the business there, have suitable experience or training and exercise effective control of the company. Several sectors are excluded, notably certain regulated professions, financial activities and activities considered incompatible with the scheme. Check the full list with IMA.
Eligibility conditions
The applicant must demonstrate the project’s viability, their inability to increase equity alone and the absence of any banking ban. According to the catalogue, an investment over €16,000 requires a bank loan at least equal to the honour loan. Applications must be made before the investment programme is carried out. The loan cannot be used to repay existing loans early or to pay tax or social security debts.
What the scheme covers
The scheme targets business creations and takeovers, notably the acquisition of goodwill or shares and launch-related investments. Investments must respect the programme cap. The financing may be combined with a France Active bank guarantee, depending on the profile and the review of the application.
Amount and funding terms
Catalogue parameters: an interest-free loan of up to €25,000, representing at most 50% of needs above €8,000. For a micro-enterprise, the indicated cap is €15,000. The repayment term, including deferral, is 7 years maximum. The investment project must not exceed €200,000, or €30,000 for a micro-enterprise. Confirm current amounts and rules with IMA.
How to apply
Contact Initiative Martinique Active before committing any costs. Prepare the business plan, quotes, proof of residence and business address, evidence of experience or training, the financing plan and information on your contribution. Ask for confirmation of the cap, co-financing and the list of excluded sectors.
Timeline
The application must be submitted before the investments are made. Check the current rules and timetable with IMA before signing quotes.
Key facts
- Funder
- Collectivité territoriale de Martinique (CTM), Financeurs privés, Union Européenne-FEDER, Union Européenne-FSE
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €25,000
- Automatically extracted — check the official source
- Geographic scope
- Martinique
Frequently asked questions
Who is this aid for?
The scheme targets businesses being created or registered for less than 36 months, as well as certain takeovers through the purchase of goodwill or shares. The owner must be at least 18, live in Martinique and base the business there, have suitable experience or training and exercise effective control of the company. Several sectors are excluded, notably certain regulated professions, financial activities and activities considered incompatible with the scheme. Check the full list with IMA.
What amount or rate can be obtained?
Catalogue parameters: an interest-free loan of up to €25,000, representing at most 50% of needs above €8,000. For a micro-enterprise, the indicated cap is €15,000. The repayment term, including deferral, is 7 years maximum. The investment project must not exceed €200,000, or €30,000 for a micro-enterprise. Confirm current amounts and rules with IMA.
Which conditions should I check?
The applicant must demonstrate the project’s viability, their inability to increase equity alone and the absence of any banking ban. According to the catalogue, an investment over €16,000 requires a bank loan at least equal to the honour loan. Applications must be made before the investment programme is carried out. The loan cannot be used to repay existing loans early or to pay tax or social security debts.
Which costs or operations are covered?
The scheme targets business creations and takeovers, notably the acquisition of goodwill or shares and launch-related investments. Investments must respect the programme cap. The financing may be combined with a France Active bank guarantee, depending on the profile and the review of the application.
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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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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