prêt d'honneur — Initiative Aisne
The catalogue entry mentions a personal loan of €5,000 to €30,000, with no interest or security, repayable over three to five years. It targets start-ups and takeovers in all sectors, except notably financial intermediation services and property activities. The loan is generally combined with a bank loan; current amounts and rules must be confirmed.
A start-up or takeover project may be viable but require an additional personal contribution to obtain bank credit. Initiative Aisne helps founders finalise the business plan, assess their needs and look for financing, and can then offer a zero-interest prêt d’honneur (personal loan to the founder). The loan is granted after review of the application.
Funded by Bpifrance, Département 02 - Aisne, Financeurs privés, Région Hauts-de-France
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Who can apply
The entry targets founders and buyers in various sectors, subject to economic viability and the area covered by Initiative Aisne. Financial intermediation services and property activities are listed as excluded. Check the current criteria and the complementary programmes available.
Eligibility conditions
The association generally steps in once the business plan is finalised and the financing is being structured. The application must specify the needs, equity, planned bank financing and repayment capacity. Ask for the selection criteria, required documents and how the loan is combined with the bank loan.
What the scheme covers
The loan supports starting or taking over a business and strengthens the founder’s contribution. Complementary programmes may concern young entrepreneurs or sectors such as agriculture, retail, innovation and business transfer. The financing need must be justified in the overall plan.
Amount and funding terms
Catalogue amounts: €5,000 to €30,000, with no interest or security, repayable over 3 to 5 years. The prêt d’honneur is generally paired with a bank loan. The amount actually granted depends on the project, the founder’s contribution and the committee’s assessment; ask Initiative Aisne for a simulation.
How to apply
Contact Initiative Aisne with the business plan, financial forecasts, quotes, your personal contribution and your bank applications. For a takeover, add the target’s accounts and valuation details. Ask for the current conditions and the committee timetable.
Timeline
Loan availability and the next committee dates are to be confirmed with Initiative Aisne.
Key facts
- Funder
- Bpifrance, Département 02 - Aisne, Financeurs privés, Région Hauts-de-France
- 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
- Occitanie
Frequently asked questions
Who is this scheme for?
The entry targets founders and buyers in various sectors, subject to economic viability and the area covered by Initiative Aisne. Financial intermediation services and property activities are listed as excluded. Check the current criteria and the complementary programmes available.
What amount or rate can be obtained?
Catalogue amounts: €5,000 to €30,000, with no interest or security, repayable over 3 to 5 years. The prêt d’honneur is generally paired with a bank loan. The amount actually granted depends on the project, the founder’s contribution and the committee’s assessment; ask Initiative Aisne for a simulation.
Which conditions should I check?
The association generally steps in once the business plan is finalised and the financing is being structured. The application must specify the needs, equity, planned bank financing and repayment capacity. Ask for the selection criteria, required documents and how the loan is combined with the bank loan.
Which costs or operations are covered?
The loan supports starting or taking over a business and strengthens the founder’s contribution. Complementary programmes may concern young entrepreneurs or sectors such as agriculture, retail, innovation and business transfer. The financing need must be justified in the overall 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
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
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