prêt d'honneur — Indre Initiative
The catalogue entry generally indicates a personal loan of €5,000 to €30,000, with no interest or security, repayable over three to five years and paired with a bank loan. It targets start-ups and takeovers in many sectors, with exclusions notably for financial intermediation and property. Current amounts and rules must be confirmed with Indre Initiative.
A founder or buyer may need a personal contribution to complete the financing plan and access bank credit. Indre Initiative provides local support and can grant a zero-interest prêt d’honneur (personal loan to the founder). The financing is granted to the individual after review of the project, together with work on the business plan and financing needs.
Funded by Bpifrance, Département 36 - Indre, Financeurs privés, Région Centre-Val de Loire
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Who can apply
The entry targets founders and buyers, whatever their age or background, subject to the project’s viability and the association’s area of operation. Financial intermediation services and property activities are listed as excluded. Check the criteria and area currently covered.
Eligibility conditions
Applications are generally reviewed once the business plan is finalised and the search for financing has begun. The association examines the overall need, the founder’s contribution, repayment capacity and the associated bank loan. Ask for the selection criteria, documents to provide and any complementary programmes.
What the scheme covers
The loan can support starting or taking over a business and strengthen the founder’s personal resources. Complementary programmes may target certain profiles or sectors, for example agriculture, retail, innovation or business transfer. Eligibility and the costs taken into account depend on the programme.
Amount and funding terms
Catalogue amounts: generally €5,000 to €30,000, with no interest or security, repayable over 3 to 5 years. The loan is usually combined with bank financing. The exact amount depends on the needs and the assessment of the project; ask Indre Initiative for a simulation.
How to apply
Contact Indre Initiative once the business plan is sufficiently advanced. Prepare forecasts, the financing plan, proof of your contribution, quotes and your bank applications. Ask for the current conditions and the committee timetable.
Timeline
The application timetable and next committee sessions are to be confirmed with Indre Initiative.
Key facts
- Funder
- Bpifrance, Département 36 - Indre, Financeurs privés, Région Centre-Val de Loire
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €30,000
- Automatically extracted — check the official source
- Minimum amount
- €5,000
- Automatically extracted — check the official source
- Geographic scope
- Centre-Val de Loire
Frequently asked questions
Who is this scheme for?
The entry targets founders and buyers, whatever their age or background, subject to the project’s viability and the association’s area of operation. Financial intermediation services and property activities are listed as excluded. Check the criteria and area currently covered.
What amount or rate can be obtained?
Catalogue amounts: generally €5,000 to €30,000, with no interest or security, repayable over 3 to 5 years. The loan is usually combined with bank financing. The exact amount depends on the needs and the assessment of the project; ask Indre Initiative for a simulation.
Which conditions should I check?
Applications are generally reviewed once the business plan is finalised and the search for financing has begun. The association examines the overall need, the founder’s contribution, repayment capacity and the associated bank loan. Ask for the selection criteria, documents to provide and any complementary programmes.
Which costs or operations are covered?
The loan can support starting or taking over a business and strengthen the founder’s personal resources. Complementary programmes may target certain profiles or sectors, for example agriculture, retail, innovation or business transfer. Eligibility and the costs taken into account depend on the programme.
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
Employment and HR
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