Initiative Gers – prêt d’honneur (interest-free personal loan)
The Initiative Gers 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 Gers? 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, Financeurs privés
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
The catalogue targets founders and buyers in all sectors, subject to the listed exclusions, notably financial intermediation services and property activities. Check the excluded activities and the area covered with the platform. 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 support a start-up or takeover and, depending on the track, needs linked to launching the business. Present the initial costs, working capital needs and the overall financing plan.
Amount and funding terms
The catalogue indicates €3,000 to €30,000, over 3 to 5 years, alongside a complementary bank loan. The actual amount and repayment schedule must be confirmed by Initiative Gers.
How to apply
1. Contact Initiative Gers 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 Gers 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, Financeurs privés
- Type of funding
- Repayable advance
- Status
- Ongoing
- Maximum amount
- €30,000
- Automatically extracted — check the official source
- Minimum amount
- €3,000
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
Is the Initiative Gers 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 “repayable advance”
ADIE Capital Contribution Loan: a zero-rate advance to strengthen the founder’s contribution
ADIE
Up to €3,000
Development aid for industrial SMEs and services to industry
Métropole Européenne de Lille - MEL
Financing a large company’s development strategy in the Métropole Européenne de Lille with the “Development aid for large companies” scheme
Métropole Européenne de Lille - MEL
Other grants from Bpifrance, 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
Check your eligibility for public grants
This scheme is only one of the grants your company may be able to access. Run a personalised scan to identify the funding opportunities that match your activity, location and project.
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