prêt d'honneur Initiactive 95-78
The catalogue mentions an honour loan of €1,000 to €25,000, interest-free, with no guarantee or personal surety, over a maximum of five years. It targets people with a business creation project, whatever their social or professional situation. The area, sectors covered and current criteria must be confirmed with Initiactive 95-78.
A business creator may have a viable project without enough personal contribution to obtain a bank loan. Initiactive 95-78 helps project owners structure their financing plan and can offer an interest-free personal honour loan. The aid strengthens the personal contribution and makes it easier to obtain credit, subject to review of the application.
Funded by Bpifrance, CA Carnelle Pays de France, CA de Cergy Pontoise, CA Plaine Vallée, CA Roissy Pays de France, CA Val Parisis, CC du Haut Val d'Oise, CC du Vexin Centre, Département 78 - Yvelines, Département 95 - Val-d'Oise, État, Financeurs privés, France Active, Région Ile-de-France, Union Européenne-FSE
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Who can apply
The scheme targets people with a business creation project, regardless of their social or professional situation. Actual eligibility depends on the area covered, the project, its viability and any exclusions. Check that Initiactive 95-78 is the relevant platform and that this loan matches your profile.
Eligibility conditions
The honour loan is granted personally and aims to strengthen the project’s equity and access to bank finance. The application must present a precise financing need, a viable business model and repayment forecasts. Ask the association for current bank co-financing requirements, selection criteria and the necessary documents.
What the scheme covers
The loan targets business creation and consolidating the personal contribution to make bank financing easier. Costs are considered as part of the overall financing plan; it is not a flat-rate grant attached to a specific cost.
Amount and funding terms
Catalogue parameters: €1,000 to €25,000, interest-free, with no guarantee or personal surety, repayable over a maximum of five years. The amount depends on the need and the assessment of the project. Confirm the cap, term, co-financing rules and availability with Initiactive 95-78.
How to apply
Contact Initiactive 95-78 to check your area and the project’s eligibility. Prepare the business plan, financial forecasts, quotes, available contribution and discussions with the bank. Ask for the application procedure and committee dates.
Timeline
The timetable and availability of the loan are to be confirmed with Initiactive 95-78.
Key facts
- Funder
- Bpifrance, CA Carnelle Pays de France, CA de Cergy Pontoise, CA Plaine Vallée, CA Roissy Pays de France, CA Val Parisis, CC du Haut Val d'Oise, CC du Vexin Centre, Département 78 - Yvelines, Département 95 - Val-d'Oise, État, Financeurs privés, France Active, Région Ile-de-France, Union Européenne-FSE
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €25,000
- Automatically extracted — check the official source
- Minimum amount
- €1,000
- Automatically extracted — check the official source
- Geographic scope
- Île-de-France
Frequently asked questions
Who is this aid for?
The scheme targets people with a business creation project, regardless of their social or professional situation. Actual eligibility depends on the area covered, the project, its viability and any exclusions. Check that Initiactive 95-78 is the relevant platform and that this loan matches your profile.
What amount or rate can be obtained?
Catalogue parameters: €1,000 to €25,000, interest-free, with no guarantee or personal surety, repayable over a maximum of five years. The amount depends on the need and the assessment of the project. Confirm the cap, term, co-financing rules and availability with Initiactive 95-78.
Which conditions should I check?
The honour loan is granted personally and aims to strengthen the project’s equity and access to bank finance. The application must present a precise financing need, a viable business model and repayment forecasts. Ask the association for current bank co-financing requirements, selection criteria and the necessary documents.
Which costs or operations are covered?
The loan targets business creation and consolidating the personal contribution to make bank financing easier. Costs are considered as part of the overall financing plan; it is not a flat-rate grant attached to a specific cost.
Official source
No official URL is available in our data for this grant.
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