prêt d'honneur — Initiative Sarthe
The “Initiative Sarthe 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 €5,000 and €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 €9.50 of bank loans on average. The support provided before the honour loan is granted helps the entrepreneur assess all their funding needs. 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 Sarthe 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, CC Gesnois Bilurien, Département 72 - Sarthe, Financeurs privés, Le Mans Métropole, Région Pays de la Loire
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Who can apply
Beneficiaries mentioned in the catalogue: owners of business creation or takeover projects in all sectors, whatever their age, background or financial means. Excluded sectors: financial and property intermediation services. Have the up-to-date criteria confirmed, notably location, the company’s situation and any exclusions.
Eligibility conditions
Conditions listed in the catalogue: the network’s local associations welcome project owners when they are finalising their business plan and seeking funding. All project owners can apply for support and funding. 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 €5,000 and €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 €9.50 of bank loans on average. The support provided before the honour loan is granted helps the entrepreneur assess all their funding needs.
How to apply
1. Contact Initiative Sarthe 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, CC Gesnois Bilurien, Département 72 - Sarthe, Financeurs privés, Le Mans Métropole, Région Pays de la Loire
- Type of funding
- Repayable advance
- 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
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 “repayable advance”
ADIE Capital Contribution Loan: a zero-rate advance to strengthen the founder’s contribution
ADIE
Up to €3,000
Development aid for industrial SMEs and services to industry
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Financing a large company’s development strategy in the Métropole Européenne de Lille with the “Development aid for large companies” scheme
Métropole Européenne de Lille - MEL
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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