Prêt d’honneur IMARelance (recovery honour loan, Martinique)
The official Initiative Martinique Active page confirms that the Transition/IMARelance honour loan targets the recovery or development of micro-businesses and SMEs and cannot finance more than 50% of the stated needs. The catalogue mentions a cap of €20,000 and a maximum term of seven years including deferral. Caps and financial criteria must be confirmed with IMA.
A viable company may face a temporary cash need or have to finance an investment to relaunch its business. IMARelance is an interest-free honour loan for Martinique micro-businesses and SMEs in this situation. The financing cannot cover more than half of the stated needs and must not be used to repay existing loans or tax and social security debts.
Funded by Bpifrance, Collectivité territoriale de Martinique (CTM), Financeurs privés, Union Européenne-FEDER, Union Européenne-FSE
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Who can apply
The scheme targets micro-businesses and SMEs with a one-off cash need or an investment to finance. The catalogue mentions in particular no amicable or collective insolvency proceedings, an up-to-date tax and social security position (an accepted repayment plan may be taken into account) and no banking ban. Sector exclusions apply; ask IMA to confirm the company’s eligibility.
Eligibility conditions
The company must show a financial situation compatible with a restart or development and present its latest accounts and a coherent financing plan. The loan cannot cover more than 50% of the need. According to the official page, it cannot finance the early repayment of current loans, tax and social security debts or the purchase of road vehicles, boats or aircraft.
What the scheme covers
The loan can contribute to cash flow and investments linked to recovery or development. It covers no more than half of the need presented and excludes in particular the early repayment of loans, tax/social security debts and the purchase of aircraft, road vehicles or boats. Eligible items must be validated by IMA.
Amount and funding terms
Parameters indicated in the catalogue: a loan capped at €20,000, over 7 years maximum including deferral, with a maximum deferral of 6 months. The official page confirms that the loan cannot cover more than 50% of the stated needs. Check the maximum amount, rate, term and financial supporting documents currently required with IMA.
How to apply
Contact IMA with recent accounts, a cash-flow plan, details of the need, investment quotes and proof of an up-to-date tax and social security position. Ask for written confirmation of the cap, financial conditions, exclusions and application procedure.
Timeline
The official page describes the scheme, but the timetable and available budget must be confirmed with IMA before treating the loan as open.
Key facts
- Funder
- Bpifrance, Collectivité territoriale de Martinique (CTM), Financeurs privés, Union Européenne-FEDER, Union Européenne-FSE
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €20,000
- Automatically extracted — check the official source
- Geographic scope
- Martinique
Frequently asked questions
Who is this aid for?
The scheme targets micro-businesses and SMEs with a one-off cash need or an investment to finance. The catalogue mentions in particular no amicable or collective insolvency proceedings, an up-to-date tax and social security position (an accepted repayment plan may be taken into account) and no banking ban. Sector exclusions apply; ask IMA to confirm the company’s eligibility.
What amount or rate can be obtained?
Parameters indicated in the catalogue: a loan capped at €20,000, over 7 years maximum including deferral, with a maximum deferral of 6 months. The official page confirms that the loan cannot cover more than 50% of the stated needs. Check the maximum amount, rate, term and financial supporting documents currently required with IMA.
Which conditions should I check?
The company must show a financial situation compatible with a restart or development and present its latest accounts and a coherent financing plan. The loan cannot cover more than 50% of the need. According to the official page, it cannot finance the early repayment of current loans, tax and social security debts or the purchase of road vehicles, boats or aircraft.
Which costs or operations are covered?
The loan can contribute to cash flow and investments linked to recovery or development. It covers no more than half of the need presented and excludes in particular the early repayment of loans, tax/social security debts and the purchase of aircraft, road vehicles or boats. Eligible items must be validated by IMA.
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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