prêt d'honneur — Initiative Flandre Intérieure
The Initiative Flandre Intérieure prêt d’honneur is a repayable personal loan, generally at zero interest and with no personal guarantee. It aims to strengthen the founder’s contribution and make it easier to finance a start-up or takeover as a whole. The local association helps put the business plan together and reviews the application against its criteria. The amounts listed in the catalogue do not guarantee that a loan will be granted and must be confirmed.
Are you starting or taking over a business in the area covered by Initiative Flandre Intérieure? The prêt d’honneur (an interest-free personal loan to the founder) can strengthen your personal contribution and help complete the financing plan. To prepare for your discussion with the platform, cost the investments, cash needs and financing already secured.
Funded by Bpifrance, CC Flandre Intérieure, CC Flandre Lys, CCI Grand Lille, Département 59 - Nord, Financeurs privés, Métropole Européenne de Lille - MEL, Région Hauts-de-France
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Who can apply
The scheme targets founders and buyers within the local area. The catalogue lists property and financial intermediation as sector exclusions; ask for the updated list of activities not supported. Exclusions listed in the catalogue: financial intermediation and property services. The platform must confirm their exact scope.
Eligibility conditions
The prêt d’honneur is personal and repayable; it is not a grant. The platform reviews economic viability, the financing plan, the equity need and repayment capacity. Ask explicitly whether a complementary bank loan is mandatory, whether a deferral is possible and which costs or situations are excluded.
What the scheme covers
The loan can contribute to the financing plan of a start-up or takeover. Present the investments, cash need, contributions, planned bank credit and revenue assumptions.
Amount and funding terms
The catalogue generally indicates €5,000 to €30,000, over 3 to 5 years. These figures are not a promise that a loan will be granted: have the amount and terms confirmed by Initiative Flandre Intérieure.
How to apply
1. Contact Initiative Flandre Intérieure before incurring costs. 2. Prepare a business plan, a financing plan, a cash-flow forecast and details of investments. 3. Distinguish between your personal contribution, the bank loan requested and other aid. 4. Ask for the territorial criteria, exclusions, documents and the next committee date. 5. Before accepting, get written confirmation of the amount, any deferral, the repayment schedule and the disbursement conditions.
Timeline
The review timetable and committee dates depend on the Initiative Flandre Intérieure platform. The catalogue entry does not confirm an opening date or a uniform timeline. Get in touch before any irreversible spending and check the rules applicable when you apply.
Key facts
- Funder
- Bpifrance, CC Flandre Intérieure, CC Flandre Lys, CCI Grand Lille, Département 59 - Nord, Financeurs privés, Métropole Européenne de Lille - MEL, Région Hauts-de-France
- 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
- Hauts-de-France
Frequently asked questions
Is the Initiative Flandre Intérieure prêt d’honneur a grant?
No. It is a repayable personal loan, generally at zero interest, that can strengthen the founder’s contribution.
Is the amount shown guaranteed?
No. The amount shown in the catalogue is an indication to be confirmed with the platform, depending on the project and the current rules.
What should I prepare to apply?
A business plan, a financing plan, a cash-flow forecast, details of investments and proof of your contribution and 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
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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