Initiative Ouest Provence – prêt d’honneur (interest-free personal loan)
Initiative Ouest Provence offers support and, depending on the platform’s decision, a prêt d’honneur to back the business project. The catalogue mentions: a prêt d’honneur (granted personally) with no interest or personal guarantee. It is generally between €1,500 and €15,000, repayable over 3 years, and up to €25,000 repayable over 5 years for business growth projects. Support before the loan is granted helps the entrepreneur assess all of their financing needs. These indications neither confirm that the scheme is open nor guarantee that a loan will be granted: the local rules must be checked.
The Initiative Ouest Provence prêt d’honneur (interest-free personal loan) can strengthen the financing plan of a start-up, takeover or development project, under the local rules. It is a repayable personal loan, generally at zero interest and with no personal guarantee, as is usual in the Initiative France network; the precise terms nevertheless depend on the platform. Check the area covered and the conditions before finalising the budget.
Funded by Bpifrance, Département 13 - Bouches-du-Rhône, Financeurs privés
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Who can apply
Beneficiaries mentioned in the catalogue: founders and buyers of businesses in all sectors, whatever their age, background or financial means. Founders of business growth projects in all sectors. Excluded sectors: financial intermediation and property services. The platform must confirm the up-to-date criteria, notably the company’s situation, its location and any exclusions.
Eligibility conditions
Listed conditions: Initiative Ouest Provence welcomes founders from the emergence of the project through to the company’s growth. All founders can apply for support and financing. Before applying, have the area of operation, accepted project types, financial criteria, sector exclusions, combination rules and any need for complementary bank financing confirmed. Also check whether the application must be made before any costs are committed.
What the scheme covers
All types of start-up, takeover and growth projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.). In the application, back each item with a quote or a reasoned estimate, specify the timetable and explain the expected result. Do not assume that a cost already incurred will be accepted: check the rule before starting.
Amount and funding terms
A prêt d’honneur (granted personally) with no interest or personal guarantee. It is generally between €1,500 and €15,000, repayable over 3 years, and up to €25,000 repayable over 5 years for business growth projects. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
How to apply
1. Contact Initiative Ouest Provence to confirm that the project fits and falls within the area covered. 2. Ask for the current rules, available amounts, documents and committee timetable. 3. Prepare the business plan, forecasts, cash-flow plan, quotes, personal contribution and bank financing plan if needed. 4. Submit the complete application following the procedure indicated. 5. Wait for the written decision before treating the financing as secured.
Timeline
Opening dates, upcoming committee sessions and review times are not confirmed by the information available. Contact the platform for the up-to-date timetable and to check whether an application is required before the project starts.
Key facts
- Funder
- Bpifrance, Département 13 - Bouches-du-Rhône, Financeurs privés
- Type of funding
- Repayable advance
- Status
- Ongoing
- Maximum amount
- €25,000
- Automatically extracted — check the official source
- Minimum amount
- €1,500
- Automatically extracted — check the official source
- Geographic scope
- Provence-Alpes-Côte d'Azur
Frequently asked questions
Is the prêt d’honneur a grant?
No, it is a repayable personal loan. The precise conditions, including the amount and term, depend on the platform and the decision on the application.
What should I prepare for the application?
Prepare the business plan, a detailed budget, financial forecasts, a cash-flow plan, relevant quotes and details of your contribution and planned bank financing.
Is the scheme currently open?
Availability and the timetable must be confirmed with the local platform. The catalogue content is not enough to prove that the scheme is currently accepting applications.
Can costs be incurred before applying?
Check this point in writing before starting: some schemes require an application beforehand and may exclude costs incurred too early.
Official source
No official URL is available in our data for this grant.
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