Prêt d’honneur Initiative Centre Ouest Bretagne
The Initiative Centre Ouest Bretagne honour loan is a repayable loan, generally interest-free and with no personal guarantee. It is granted to the project owner, not directly to the company, and can strengthen the contribution in the financing plan. The local platform helps put the application together and may present it to an approval committee. The scheme targets business start-ups, takeovers or growth in the area covered by Initiative Centre Ouest Bretagne. The amount, criteria and any bank financing requirement depend on the local rules in force.
Are you preparing a business start-up or takeover in the Initiative Centre Ouest Bretagne area? The honour loan (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 Financeurs privés
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Who can apply
The scheme is for business creators and buyers whose project falls within the Initiative Centre Ouest Bretagne area. The catalogue lists the following sector exclusions: financial intermediation and property services. Have the exact scope of these exclusions and any exceptions confirmed by the platform before applying.
Eligibility conditions
The honour loan is generally granted to the person leading the project, interest-free and with no personal guarantee under the network’s framework; it strengthens the personal contribution and equity, but remains repayable. The platform reviews the consistency of the business plan, the financing plan, equity needs and repayment capacity. The catalogue also mentions growth projects and lists property and financial intermediation activities as exclusions. Confirm how development projects are treated and the local rules. 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: start-up investment, equipment, works, launch costs and working capital requirements, according to the financing plan adopted. 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 give a reliable local range for this platform. Ask the platform for the minimum and maximum amount, repayment term, any deferral and the combination rules applicable to your project.
How to apply
1. Contact Initiative Centre Ouest Bretagne before finalising your financing. 2. Prepare a business plan, cash-flow forecast, 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, repayment instalments and disbursement conditions.
Timeline
No opening date or fixed timescale is given in the catalogue for Initiative Centre Ouest Bretagne. Meetings, review and the committee stage depend on the local platform. Contact it before incurring costs or signing a takeover.
Key facts
- Funder
- Financeurs privés
- 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
- Bretagne
Frequently asked questions
Is the Initiative Centre Ouest Bretagne honour loan a grant?
No. It is a repayable loan generally granted to the person leading the project. It can strengthen the personal contribution and make it easier to negotiate a bank loan.
Is the amount indicated in the catalogue guaranteed?
No. It is an indication to be confirmed. The amount depends on the project, equity needs, 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
Other grants from Financeurs privés
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
Discover the funding that fits your company
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