prêt d'honneur — Initiative Deux-Sèvres
The Initiative Deux-Sèvres prêt d’honneur is repayable personal financing, generally with no interest or personal guarantee. It is not a grant paid to the company: it aims to strengthen the founder’s contribution and the project’s equity. The local platform helps prepare the business plan and financing plan, and the application can then be presented to the approval committee. The scheme covers start-ups, takeovers and, under certain conditions, some development projects in the area covered. The amount and criteria depend on the local track.
Are you preparing to start or take over a business in the area covered by Initiative Deux-Sèvres? The prêt d’honneur (an interest-free personal loan to the founder) can strengthen your contribution and support negotiations for bank financing. To prepare the application, cost the investments, the cash need and the resources already secured.
Funded by Bpifrance, CA du Bocage Bressuirais, CA du Niortais, CC du Haut Val de Sèvre, CC du Mellois en Poitou, CC du Thouarsais, CC Parthenay Gatine, Département 79 - Deux-Sèvres, Financeurs privés, Région Nouvelle-Aquitaine
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Who can apply
The catalogue targets companies being created, taken over or, under certain conditions, growing. For development projects, it mentions a new bank loan application and a concrete growth project (hiring, new technologies or a new activity). According to the listed criteria, the project must be carried out in the Deux-Sèvres and create or keep at least one job.
Eligibility conditions
The catalogue mentions mandatory bank financing, the creation or retention of at least one job, and the registered office or jobs being located in the Deux-Sèvres. It also mentions death and disability insurance in favour of the funder and a Bpifrance guarantee on the loan. Have these requirements, the accepted legal forms and the exclusions confirmed in the current documentation.
What the scheme covers
The catalogue cites in particular industry, production crafts, business services, training, innovation and processing, and packaging of agricultural or food products. It lists health practitioners, property, finance and business introducers as cases not supported. The list must be confirmed by Initiative Deux-Sèvres.
Amount and funding terms
Terms listed in the catalogue, to be confirmed with the local platform: a prêt d’honneur of €8,000 to a maximum of €40,000 per project (depending on investment bands, and split according to the shares held by the partners), at 0% interest, repayable over a maximum of 5 years, with a possible deferral of up to 6 months (included in the loan term), to strengthen equity. It is a personal loan. Local committee: the prêt d’honneur can be up to €8,000 for the project.
How to apply
1. Contact Initiative Deux-Sèvres before incurring costs or signing the takeover. 2. Prepare a business plan, a financing plan, a cash-flow forecast and details of investments. 3. Present your contribution, the financing already obtained and the bank loan sought. 4. Ask for the list of supporting documents, local criteria, exclusions and next committee dates. 5. Before accepting, get written confirmation of the amount, any deferral, the repayment schedule and the disbursement conditions.
Timeline
No opening date or uniform review time is confirmed in the catalogue entry for Initiative Deux-Sèvres. The timetable depends on the platform and its approval committee. Get in touch early to avoid incurring costs before checking the applicable rules.
Key facts
- Funder
- Bpifrance, CA du Bocage Bressuirais, CA du Niortais, CC du Haut Val de Sèvre, CC du Mellois en Poitou, CC du Thouarsais, CC Parthenay Gatine, Département 79 - Deux-Sèvres, Financeurs privés, Région Nouvelle-Aquitaine
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €40,000
- Automatically extracted — check the official source
- Minimum amount
- €8,000
- Automatically extracted — check the official source
- Geographic scope
- Nouvelle-Aquitaine
Frequently asked questions
Is the Initiative Deux-Sèvres prêt d’honneur a grant?
No. It is a repayable loan granted to the person leading the project, generally at zero interest and with no personal guarantee.
How do I find out the possible amount?
Present your project, your contribution and your financing plan to the local platform. The catalogue amounts are indicative and must be confirmed for the track concerned.
Is a complementary bank loan required?
It depends on the local rules and the programme applied for. Ask for explicit confirmation before finalising the financing 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
Employment and HR
Discover the funding that fits your company
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