prêt d'honneur — Initiative Calvados
The Initiative Calvados prêt d’honneur is a repayable loan, generally at zero interest and with no personal guarantee. It is granted to the person leading the project, not directly to the company, and can strengthen the contribution included in the financing plan. The local platform helps put the application together and may present it to an approval committee. The scheme is for starting or taking over a company in the Calvados, within the local platform’s area of operation. The amount, criteria and any bank financing requirement depend on the current local rules.
Are you preparing to start or take over a business in the area covered by Initiative Calvados? The prêt d’honneur can strengthen your personal contribution and make it easier to obtain a bank loan. The key is to present a viable project, a costed financing need and a realistic cash-flow plan.
Funded by Bayeux Intercom, Bpifrance, CA Lisieux Normandie, CC Cingal - Suisse Normande, CC Coeur Côte Fleurie, CC Coeur de Nacre, CC des Vallées de l'Orne et de l'Odon, CC du Pays de Falaise, CC du Pays de Honfleur-Beuzeville, CC Isigny-Omaha Intercom, CC Normandie Cabourg Pays d'Auge, CC Pré-Bocage Intercom, CC Seulles Terre et Mer, CC Terre d'Auge, CC Val Ès Dunes, CU Caen la mer, Financeurs privés, Intercom de la Vire au Noireau, Région Normandie
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Who can apply
The scheme is for founders and buyers whose project falls within the area covered by Initiative Calvados. The catalogue lists the following sector exclusions: sectors covered by Article 35 of the French Tax Code (property dealers, rental of equipped industrial or commercial premises, holiday cottages and B&Bs, etc.). Have the exact scope of these exclusions and any exceptions confirmed by the platform before applying.
Eligibility conditions
The prêt d’honneur is generally granted to the person leading the project, at zero interest and with no personal guarantee under the network’s framework; it strengthens the founder’s contribution and equity, but remains repayable. The platform assesses the consistency of the business plan, the financing plan, the equity need and repayment capacity. Have the local admissibility conditions, excluded sectors, need for a bank loan and review times confirmed. Local rules take precedence: do not treat a national condition or a catalogue range as automatic confirmation of eligibility.
What the scheme covers
The loan can contribute to the overall financing of a start-up or takeover project: initial investment, equipment, works, launch costs and working capital, depending on the financing plan. It is not a grant, and eligible costs should not be assumed without confirmation. Present a detailed budget, the resources already secured and the amount of bank credit sought.
Amount and funding terms
The information listed in the catalogue is indicative and must be confirmed by the local platform. The catalogue does not provide a sufficiently reliable local range. Ask the platform for the minimum and maximum amount, the repayment period, any deferral and the combination rules applicable to your project.
How to apply
1. Contact Initiative Calvados before finalising your financing. 2. Prepare a business plan, a cash-flow forecast, a financing plan and details of investments. 3. Present your contribution, the loans and aid already applied for and the bank amount sought. 4. Ask for the local criteria, excluded sectors, list of documents and committee dates. 5. After review, check in writing the amount granted, the repayment schedule and the disbursement conditions.
Timeline
No opening date or fixed timeline is confirmed in the catalogue data for Initiative Calvados. Meetings, review and the committee stage depend on the local platform. Contact it before incurring costs or signing a takeover.
Key facts
- Funder
- Bayeux Intercom, Bpifrance, CA Lisieux Normandie, CC Cingal - Suisse Normande, CC Coeur Côte Fleurie, CC Coeur de Nacre, CC des Vallées de l'Orne et de l'Odon, CC du Pays de Falaise, CC du Pays de Honfleur-Beuzeville, CC Isigny-Omaha Intercom, CC Normandie Cabourg Pays d'Auge, CC Pré-Bocage Intercom, CC Seulles Terre et Mer, CC Terre d'Auge, CC Val Ès Dunes, CU Caen la mer, Financeurs privés, Intercom de la Vire au Noireau, Région Normandie
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €45,000
- Automatically extracted — check the official source
- Minimum amount
- €2,000
- Automatically extracted — check the official source
- Geographic scope
- Normandie
Frequently asked questions
Is the Initiative Calvados prêt d’honneur a grant?
No. It is a repayable loan generally granted to the person leading the project. It can strengthen the personal contribution and help in negotiating a bank loan.
Is the amount shown in the catalogue guaranteed?
No. It is an indication to be confirmed. The amount depends on the project, the equity need, the financing plan and the rules applied by the local platform.
Which documents should I prepare?
A business plan, a financing plan, a cash-flow forecast, details of investments, proof of your contribution and information on the planned bank financing.
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
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Diagnostics and audits
Takeover and transfer
Discover the funding that fits your company
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