prêt d'honneur — Initiative Creuse
The scheme covers starting, taking over or developing a company and consolidating its financing plan. Operations mentioned in the catalogue: all types of business start-up and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.). To prepare an application, prepare the business plan, cash needs, quotes and evidence of the project’s viability. The criteria and conditions below come from the catalogue and must be compared with the up-to-date official rules.
The Initiative Creuse prêt d’honneur aims to make business creation possible for as many people as possible through suitable financing (the zero-interest prêt d’honneur) and free, long-term support. Support from the Initiative France network’s local associations makes business projects more secure: 90% of supported companies pass the 3-year mark (compared with 70% on average). Initiative Creuse is also involved in the Initiative Remarquable label, which certifies companies committed to the ecological, environmental and social transition, good governance and local impact, and in “Vis ma vie d’entrepreneuse”, an immersion scheme where a woman founder spends time in a company alongside a local woman business leader to discuss running a business and gain confidence before launching. In practice, the scheme covers starting, taking over or developing a company and consolidating its financing plan. Before including it in your financing plan, check the area covered (local scheme), the company’s profile and the current financial terms.
Funded by Bpifrance, Financeurs privés, Région Nouvelle-Aquitaine
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Who can apply
Beneficiaries mentioned in the catalogue: founders of start-up, takeover or development projects (companies more than 3 years old) in all sectors, whatever their age, background or financial means. Excluded sectors: financial intermediation and property services.
Eligibility conditions
Conditions listed in the catalogue: the network’s local associations welcome founders at the stage of finalising the business plan and seeking financing. All founders can apply for support and financing.
What the scheme covers
Operations and exclusions mentioned in the catalogue: all types of business start-up and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.).
Amount and funding terms
Amount and terms listed in the catalogue: a prêt d’honneur with no interest or security, granted personally, generally between €5,000 and €30,000, repayable over 3 to 5 years. The prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €9.50 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
How to apply
1. Check that the company, the area and the project fall within the scope of the Initiative Creuse prêt d’honneur. 2. Identify the costs or needs that can be financed and the exclusions. 3. Build a complete financing plan, including the required contributions and co-financing. 4. Prepare the accounts, forecasts, quotes and documents specific to the operation. 5. Have the written terms of the loan — rate, term, deferral, fees, guarantees and repayment conditions — confirmed before any decision.
Timeline
The opening timetable and deadline are not confirmed by the information available. Ask the funder for the deadlines, the review time and the rule on when the operation may start.
Key facts
- Funder
- Bpifrance, Financeurs privés, Région Nouvelle-Aquitaine
- 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
- Nouvelle-Aquitaine
Frequently asked questions
What need does the Initiative Creuse prêt d’honneur cover?
Starting, taking over or developing a company and consolidating its financing plan.
How much can be obtained?
Amount and terms listed in the catalogue: a prêt d’honneur with no interest or security, granted personally, generally between €5,000 and €30,000, repayable over 3 to 5 years. The prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €9.50 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
Which companies can apply?
Beneficiaries mentioned in the catalogue: founders of start-up, takeover or development projects (companies more than 3 years old) in all sectors, whatever their age, background or financial means. Excluded sectors: financial intermediation and property services.
What should I prepare first?
Prepare the business plan, cash needs, quotes and evidence of the project’s viability. Then check the official documents required.
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 Bpifrance, Financeurs privés, Région Nouvelle-Aquitaine
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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