prêt d'honneur — Initiative Haute Vallée de l'Aude
The Initiative Haute Vallée de l’Aude honour loan is repayable personal financing, generally interest-free and with no personal guarantee. It aims to strengthen the owner’s contribution and complete the financing plan of a start-up or takeover. The local association helps put the application together and reviews its viability according to 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 Initiative Haute Vallée de l’Aude area? The honour loan (prêt d’honneur) can strengthen your personal contribution and make it easier to put the project’s financing together. Before the meeting, cost the investments, cash needs and resources already secured.
Funded by Bpifrance, Financeurs privés, Région Occitanie, Union Européenne-FSE
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Who can apply
The scheme targets business creators and buyers whose project falls within the Initiative Haute Vallée de l’Aude area. Depending on the local pathway, certain 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 honour loan is personal and repayable: it is not a grant. The platform reviews the business plan, equity needs, 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 honour loan can contribute to the financing plan of a start-up or takeover in the Initiative Haute Vallée de l’Aude area. Present investments, launch costs, working capital requirements, contributions and the planned bank loan. 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: an interest-free, unsecured honour loan granted personally. It generally ranges from €5,000 to €30,000, repayable over 3 to 5 years. The honour loan is always combined with a bank loan: for every €1 of Initiative honour loan, an Initiative entrepreneur obtains on average €9.50 of bank loans. The support provided before the honour loan is granted helps the entrepreneur assess their total financing needs.
How to apply
1. Contact Initiative Haute Vallée de l’Aude 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 committee dates. 5. Have the amount, any deferral, instalments and disbursement conditions confirmed in writing.
Timeline
Committee dates and review times depend on Initiative Haute Vallée de l’Aude. The catalogue does not give an opening date or a uniform timescale. Make contact before any irreversible spending and check the conditions in force at the time of applying.
Key facts
- Funder
- Bpifrance, Financeurs privés, Région Occitanie, 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
- Not specified
Frequently asked questions
Is the Initiative Haute Vallée de l’Aude 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 indicated guaranteed?
No. The catalogue amounts are indicative and must be confirmed with the platform according to the project and the rules in force.
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 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
Discover the funding that fits your company
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