prêt d'honneur — Initiative Aube
The Initiative Aube prêt d’honneur is zero-interest financing generally granted to the person leading the project, not a grant paid to the company. It is used to strengthen the founder’s contribution, make the financing plan more credible and ease discussions with banks. The founder is supported in preparing the application and then presents the project to the approval committee, which decides whether to grant the loan and how much. The scheme is intended for starting, taking over or developing a recently created company, with its registered office and main establishment in the Aube according to the catalogue.
Are you preparing to start, take over or grow a recently created business? The Initiative Aube prêt d’honneur can strengthen the founder’s own contribution and make it easier to put bank financing together. The application is prepared with the local platform, which assesses the project’s viability and financing needs.
Funded by Bpifrance, CA de Troyes Champagne Métropole, Département 10 - Aube, Financeurs privés, Région Grand Est
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Who can apply
The target audience is business founders and buyers within the area covered by Initiative Aube. Depending on the local scheme, some development projects may also be considered. The catalogue lists the following exclusions where specified: property activities, financial intermediation and holding companies, except those exclusively linked to the start-up or takeover.
Eligibility conditions
To prepare the application, build a complete financing plan: investments, working capital needs, personal contribution, other aid and the planned bank loan. The catalogue specifies that the registered office and main establishment must be in the Aube and that the company must be in the process of being created or registered less than three years ago. Check the supporting documents and how company age is defined with the platform. The exact criteria and exclusions are those of the current local rules, not a uniform rule across the whole network.
What the scheme covers
The financing can help consolidate the financing plan of a start-up, takeover or development project. Present the planned costs, start-up cash needs, expected revenue and the amount of bank financing sought. The prêt d’honneur should not be treated as a grant: it is repayable and its use must match the project reviewed by Initiative Aube.
Amount and funding terms
The catalogue indicates €1,000 to €15,000, repayable over 5 years with a possible 6-month deferral. The scheme is presented as complementary to bank financing or an ADIE loan (microcredit). These parameters must be confirmed when applying, especially for a project to develop a recently created company.
How to apply
1. Contact Initiative Aube before finalising your financing plan. 2. Prepare a business plan, a cash-flow forecast, a financing plan, details of investments and your contribution. 3. Ask for the local criteria, excluded sectors, bank loan requirement and supporting documents. 4. Submit the application following the platform’s procedure and, if it is admissible, prepare for the approval committee. 5. Before committing to anything, get written confirmation of the amount, repayment schedule and disbursement conditions.
Timeline
The application timetable and review times depend on the Initiative Aube platform and the date of the approval committee meeting. No opening date or fixed timeline is confirmed in the catalogue entry: contact the platform before scheduling a signature, a purchase or the start of spending.
Key facts
- Funder
- Bpifrance, CA de Troyes Champagne Métropole, Département 10 - Aube, Financeurs privés, Région Grand Est
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €15,000
- Automatically extracted — check the official source
- Minimum amount
- €1,000
- Automatically extracted — check the official source
- Geographic scope
- Grand Est
Frequently asked questions
Is the Initiative Aube prêt d’honneur a grant?
No. It is a repayable loan, generally granted to the person leading the project. It strengthens the founder’s contribution and can make bank financing easier to obtain.
How do I find out how much my project could receive?
Present your equity needs, your contribution and your financing plan to Initiative Aube. The range listed in the catalogue is indicative; the final amount depends on the review of the application and the platform’s rules.
What should I prepare before the first meeting?
A project summary, the business plan or its current state, a financing plan, a cash-flow forecast, details of investments, your contribution and the bank financing you are considering.
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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