prêt d'honneur — Initiative Loire Atlantique Sud
Initiative Loire Atlantique Sud supports entrepreneurs in preparing their project and looking for financing. The catalogue lists the following terms: 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 catalogue also indicates that the loan is paired with a bank loan: the network reports average bank leverage of €9.50 for every €1 of prêt d’honneur; support beforehand helps consolidate the financing plan. These are indications from the catalogue, not a promise that a loan will be granted. Have the local scale, conditions and availability confirmed before drawing up your financing plan.
The Initiative Loire Atlantique Sud prêt d’honneur (interest-free personal loan) can complement the financing of a business start-up or takeover in the area covered by the local platform. It is a repayable personal loan, generally at zero interest and with no personal guarantee, as is usual in the Initiative France network. The decision depends on the review of the project and the current local rules.
Funded by Bpifrance, Financeurs privés, Région Pays de la Loire
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Who can apply
Founders and buyers of businesses, subject to local criteria. Sector exclusions listed in the catalogue: financial intermediation and property services.
Eligibility conditions
The application is generally reviewed once the business plan and financing plan are sufficiently advanced. For Initiative Loire Atlantique Sud, have the platform confirm the area covered, the accepted forms of start-up or takeover, sector exclusions and whether a complementary bank loan is required. The loan is granted after review; support or a meeting does not amount to a financing decision.
What the scheme covers
The financing targets operations linked to the business project within the scheme’s scope. For a start-up or takeover, prepare the initial financing plan; for growth, document the investments, working capital needs and expected effects on the business. The accepted costs must be confirmed with the platform.
Amount and funding terms
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 catalogue also indicates that the loan is paired with a bank loan: the network reports average bank leverage of €9.50 for every €1 of prêt d’honneur; support beforehand helps consolidate the financing plan.
How to apply
1. Check that the company or its location falls within the area covered by Initiative Loire Atlantique Sud. 2. Contact the platform before finalising your financing plan. 3. Prepare the business plan, forecasts, cash-flow plan, quotes and your personal and business financing needs. 4. Ask about how to present to the committee, the associated bank loan if any, the documents to provide and timelines. 5. Wait for the written decision before treating the financing as secured.
Timeline
The timetable and availability of the scheme are not confirmed by the information available. Contact the local platform for meeting dates, upcoming committee sessions and review times.
Key facts
- Funder
- Bpifrance, Financeurs privés, Région Pays de la Loire
- 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
- Pays de la Loire
Frequently asked questions
Is the prêt d’honneur a grant?
No. It is a repayable personal loan. The amount granted and the repayment conditions depend on the platform’s decision and the current rules.
Is financing guaranteed if my project matches the profile?
No. The application is reviewed by the platform and, depending on the local procedure, presented to a committee. Apparent eligibility does not guarantee that a loan will be granted.
Which documents should I prepare?
Prepare a business plan, a financing plan, revenue and cash-flow forecasts, relevant quotes and information on your contribution and the planned bank financing. The platform will confirm its official list.
Is the scheme currently open?
Availability, the timetable and the current terms must be confirmed directly with the local platform before applying.
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
Other grants from Bpifrance, Financeurs privés, Région Pays de la Loire
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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