prêt d'honneur — Initiative Garonne
The Initiative Garonne honour loan is a repayable personal loan, generally interest-free and with no personal guarantee. It aims to strengthen the project owner’s contribution and make it easier to finance a start-up or takeover overall. The local association helps put together the business plan and reviews the application according to its criteria. The amounts listed in the catalogue do not guarantee an award and must be confirmed.
Are you starting or taking over a business in the Initiative Garonne area? The honour loan (prêt d’honneur) can strengthen your personal contribution and help complete the financing plan. To prepare for the discussion with the platform, cost the investments, cash needs and financing already secured.
Funded by Bpifrance, CA Val de Garonne, CC des Côteaux et Landes de Gascogne, CC du Pays de Duras, CC du Pays de Lauzun, Département 47 - Lot-et-Garonne, Financeurs privés, Région Nouvelle-Aquitaine, Union Européenne-FEDER, Union Européenne-FSE
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Who can apply
The scheme targets business creators and buyers in the area covered. The catalogue lists financial intermediation services and property activities among the exclusions; the platform must specify other local criteria. Exclusions listed in the catalogue: financial intermediation and property services. The platform must confirm their exact scope.
Eligibility conditions
The honour loan is personal and repayable; it is not a grant. The platform reviews economic viability, the financing plan, equity needs and repayment capacity. Ask explicitly whether an additional bank loan is mandatory, whether a deferral is possible and which costs or situations are excluded.
What the scheme covers
The loan can consolidate the contribution needed for a launch or takeover. The financing plan must detail needs, resources, start-up costs and the amount of bank credit sought.
Amount and funding terms
The catalogue generally indicates €5,000 to €30,000, over 3 to 5 years, with additional bank financing mentioned. Have the parameters and current conditions confirmed by Initiative Garonne.
How to apply
1. Contact Initiative Garonne before incurring costs. 2. Prepare a business plan, financing plan, cash-flow forecast and details of investments. 3. Separate 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, have the amount, any deferral, instalments and disbursement conditions confirmed in writing.
Timeline
The review timetable and committee dates depend on the Initiative Garonne platform. The catalogue does not give an opening date or a uniform timescale. Make contact before any irreversible spending and check the rules applicable at the time of applying.
Key facts
- Funder
- Bpifrance, CA Val de Garonne, CC des Côteaux et Landes de Gascogne, CC du Pays de Duras, CC du Pays de Lauzun, Département 47 - Lot-et-Garonne, Financeurs privés, Région Nouvelle-Aquitaine, Union Européenne-FEDER, Union Européenne-FSE
- 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
Is the Initiative Garonne honour loan a grant?
No. It is a repayable personal loan, generally interest-free, that can strengthen the project owner’s contribution.
Is the amount shown guaranteed?
No. The amount indicated in the catalogue is an indication to be confirmed with the platform according to the project and the rules in force.
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 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
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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