prêt d'honneur — Initiative Marne Champagne et Brie
Initiative Marne Champagne et Brie supports entrepreneurs in preparing their project and seeking financing. The catalogue lists the following terms: an interest-free honour loan granted personally. It generally ranges from €1,500 to €20,000, repayable over 3 to 5 years. The catalogue also indicates that it is combined with a bank loan: the network reports an average bank leverage effect of €9.50 for every €1 of honour loan. The prior support serves to consolidate the financing plan. These elements are indications from the catalogue, not a promise of an award. Have the local scale, conditions and availability confirmed before drawing up your financing plan.
The Initiative Marne Champagne et Brie honour loan (prêt d’honneur) can complement the financing of a business start-up or takeover within the area covered by the local platform. It is a repayable personal loan, generally interest-free and with no personal guarantee under the usual Initiative France network framework. The decision depends on the review of the project and the local rules in force.
Funded by CA d’Epernay, Coteaux et Plaines de Champagne, CC de la Brie Champenoise, CC de la Grande Vallée de la Marne, CC de Sézanne Sud-Ouest Marnais, CC des Paysages de la Champagne, CC du Sud Marnais, Région Grand Est
Run a personalised scan to identify the public grants and funding your company may be able to access.
Who can apply
Business start-up or takeover project owners, 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 Marne Champagne et Brie, have the platform confirm the area covered, the forms of start-up or takeover accepted, sector exclusions and whether an additional bank loan is required. The aid 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 requirements and expected effects on the business. Accepted costs must be confirmed with the platform.
Amount and funding terms
An interest-free honour loan granted personally. It generally ranges from €1,500 to €20,000, repayable over 3 to 5 years. The catalogue also indicates that it is combined with a bank loan: the network reports an average bank leverage effect of €9.50 for every €1 of honour loan. The prior support serves to consolidate the financing plan.
How to apply
1. Check that the company or its location falls within the area of Initiative Marne Champagne et Brie. 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 for details of the committee procedure, any associated bank loan, the documents to provide and the timescales. 5. Wait for the written decision before treating the financing as secured.
Timeline
The timetable and opening of the scheme are not confirmed by the information available in the catalogue. Contact the local platform for meeting dates, the next committee sessions and review times.
Key facts
- Funder
- CA d’Epernay, Coteaux et Plaines de Champagne, CC de la Brie Champenoise, CC de la Grande Vallée de la Marne, CC de Sézanne Sud-Ouest Marnais, CC des Paysages de la Champagne, CC du Sud Marnais, Région Grand Est
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €20,000
- Automatically extracted — check the official source
- Minimum amount
- €1,500
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
Is the honour loan a grant?
No. It is a repayable personal loan. The amount granted and the repayment conditions depend on the platform’s decision and the rules in force.
Is the 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 an award.
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?
The opening, timetable and terms in force 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
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.
See the opportunities identified by the scan, then access your personalised report.