prêt d'honneur — Initiative Rouen
The “Initiative Rouen honour loan” generally combines support for the project with the possibility of an honour loan. The catalogue mentions: an honour loan without interest or guarantee, granted personally. It is generally between €3,000 and €15,000, repayable over 3 years with a possible 6-month deferral. This information is useful to prepare a first discussion, but it confirms neither that the scheme is currently open nor that funding will be granted.
The “Initiative Rouen honour loan” can contribute to the financing plan of an entrepreneurial project, subject to the review of the application and the platform’s criteria. It is a repayable personal loan; in the Initiative France network it is generally interest-free and without personal guarantee, but the exact terms are set locally.
Funded by Caisse des Dépôts et Consignations, CCI de Rouen, Département 76 - Seine-Maritime, Financeurs privés, Métropole Rouen Normandie, Région Normandie
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Who can apply
Beneficiaries mentioned in the catalogue: individuals setting up or taking over a business, whatever their previous status (employee, jobseeker, recipient of minimum social benefits, etc.); managers of a company less than three years old; or managers of an existing company setting up or taking over a new company. Start-ups are not eligible. Have the up-to-date criteria confirmed, notably location, the company’s situation and any exclusions.
Eligibility conditions
Conditions listed in the catalogue: the beneficiary must hold at least 34% of the company’s capital and be its manager. The equity contribution must be at least €3,000 in cash and/or in kind. For an innovative project (where the rest of the capital is held by business angels or venture capital) and for a SCOP, this rule does not apply. Complementary funding must be provided: a medium-term bank loan, lease financing or long-term rental of more than 3 years for an amount at least equal to the honour loan. For a company already set up, its financial situation must be sound and it must be up to date with its social and tax obligations. Ask for confirmation of the area covered, the project stage accepted, the financial criteria, sector exclusions, combination rules and any complementary bank loan. Also check whether the application must be made before any costs are incurred.
What the scheme covers
All types of business creation and takeover projects. Additional programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, transfer/takeover, etc.). To make the review easier, link each cost to a specific stage of the project, give its amount and date, and attach the relevant quotes or supporting documents. Check the rules applicable to costs already incurred before starting.
Amount and funding terms
An honour loan without interest or guarantee, granted personally. It is generally between €3,000 and €15,000, repayable over 3 years with a possible 6-month deferral.
How to apply
1. Contact Initiative Rouen to confirm the area and whether the project fits. 2. Ask for the current conditions, caps, required supporting documents and review timetable. 3. Prepare the business plan, financial forecasts, budget, cash-flow plan, quotes, personal contribution and other planned funding. 4. Submit the complete application following the official procedure. 5. Wait for the written decision before treating the funding as secured.
Timeline
Opening dates, application deadlines and review times are not confirmed by the available content. Ask the platform for the updated timetable and check the rules that apply to costs incurred before applying.
Key facts
- Funder
- Caisse des Dépôts et Consignations, CCI de Rouen, Département 76 - Seine-Maritime, Financeurs privés, Métropole Rouen Normandie, Région Normandie
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €15,000
- Automatically extracted — check the official source
- Minimum amount
- €3,000
- Automatically extracted — check the official source
- Geographic scope
- Normandie
Frequently asked questions
Must the honour loan be repaid?
Yes. It is a repayable personal loan, not a grant. The amount and terms depend on the platform’s decision and conditions.
Which criteria should I check first?
Check the area covered, the project stage, the financial criteria, sector exclusions, combination rules and any bank funding requirements.
Which documents should I prepare?
Prepare the business plan, detailed budget, forecasts, cash-flow plan, relevant quotes and evidence of your personal contribution and other funding.
Can I apply after starting the project?
Check this with the platform before starting. Some schemes require a prior application and may exclude costs incurred too early.
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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