Initiative Haute-Loire – prêt d’honneur (interest-free personal loan)
The Initiative Haute-Loire prêt d’honneur is repayable personal financing, generally at zero interest and with no personal guarantee. It aims to strengthen the founder’s contribution and complete the financing plan of a start-up or takeover. The local association helps put the application together and assesses its viability against the programme’s criteria. The amounts and conditions listed in the catalogue must be confirmed.
Are you starting or taking over a business in the area covered by Initiative Haute-Loire? The prêt d’honneur (an interest-free personal loan to the founder) can strengthen your contribution and make the project’s financing easier to put together. Before the meeting, cost the investments, the cash need and the resources already secured.
Funded by Bpifrance, CA du Puy en Velay, CC des Marches du Velay Rochebaron, CC des Sucs, CC Pays de Montfaucon, Département 43 - Haute-Loire, Financeurs privés
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Who can apply
The scheme targets founders and buyers whose project falls within the area covered by Initiative Haute-Loire. Depending on the local track, some development projects may also be considered. The catalogue lists the following exclusions: financial intermediation and property services. Have the exact scope of the exclusions confirmed before applying.
Eligibility conditions
The prêt d’honneur is personal and repayable: it is not a grant. The platform reviews the business plan, the equity need, the consistency of the financing plan and repayment capacity. Ask whether a bank loan is mandatory, whether a deferral is possible and which activities are excluded. Local rules take precedence over the network’s general guidance.
What the scheme covers
The prêt d’honneur can contribute to the financing plan of a start-up or takeover in the area covered by Initiative Haute-Loire. Present the investments, launch costs, working capital needs, contributions and planned bank credit. The costs actually accepted depend on the local rules.
Amount and funding terms
Terms listed in the catalogue, to be confirmed with the local platform: a prêt d’honneur with no interest or security, granted personally. It is 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. Contact Initiative Haute-Loire 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 committee dates. 5. Get written confirmation of the amount, any deferral, the repayment schedule and the disbursement conditions.
Timeline
Committee dates and review times depend on Initiative Haute-Loire. The catalogue entry does not confirm an opening date or a uniform timeline. Get in touch before any irreversible spending and check the conditions in force when you apply.
Key facts
- Funder
- Bpifrance, CA du Puy en Velay, CC des Marches du Velay Rochebaron, CC des Sucs, CC Pays de Montfaucon, Département 43 - Haute-Loire, Financeurs privés
- Type of funding
- Repayable advance
- Status
- Ongoing
- Maximum amount
- €30,000
- Automatically extracted — check the official source
- Minimum amount
- €5,000
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
Is the Initiative Haute-Loire 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 indicated guaranteed?
No. The catalogue amounts are indicative and must be confirmed with the platform, depending on the project and the current rules.
What should I prepare before the meeting?
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.
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