prêt d'honneur — Initiative Seine-Saint-Denis
The Initiative Seine-Saint-Denis programme generally combines support for the project with the possibility of a prêt d’honneur. The catalogue states: 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 prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €9.50 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs. This information helps prepare an initial discussion, but proves neither that the scheme is currently open nor that the loan will be granted.
The Initiative Seine-Saint-Denis prêt d’honneur (interest-free personal loan) can complement the financing of a business project, subject to the platform’s review of the application. It is a repayable personal loan, generally at zero interest and with no personal guarantee, as is usual in the Initiative France network. The exact criteria and terms must be confirmed locally.
Funded by Bpifrance, Département 93 - Seine-Saint-Denis, Financeurs privés, Région Ile-de-France, Union Européenne-FSE
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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. Excluded sectors: financial intermediation and property services. Confirm the up-to-date criteria with the platform, notably location, the company’s situation and any exclusions.
Eligibility conditions
Conditions listed in the catalogue: the network’s local associations welcome founders at the stage of finalising the business plan and seeking financing. All founders can apply for support and financing. Have the area covered, the accepted project stage, financial criteria, sector exclusions, combination rules and any need for a complementary bank loan confirmed. Also ask whether costs must be incurred after the application is submitted.
What the scheme covers
All types of business start-up and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.). To ease the review, link each cost to a stage of the project, state the amount, timing and expected results, then attach quotes or supporting documents. Check the rules on costs already incurred.
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 prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €9.50 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
How to apply
1. Contact Initiative Seine-Saint-Denis to check that your project falls within the platform’s scope. 2. Ask for the up-to-date rules, caps, list of documents and review timetable. 3. Prepare the business plan, budget, financing plan, forecasts and cash-flow plan, with quotes and details of your contribution and other financing. 4. Submit the complete application following the official procedure. 5. Wait for a written decision before treating the financing as secured.
Timeline
Opening dates, upcoming deadlines and review times are not confirmed by the information available. The platform must provide the current timetable and the rules for costs incurred before applying.
Key facts
- Funder
- Bpifrance, Département 93 - Seine-Saint-Denis, Financeurs privés, Région Ile-de-France, Union Européenne-FSE
- 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
- Île-de-France
Frequently asked questions
Is the prêt d’honneur repayable?
Yes. It is a repayable personal loan, not a grant. The amount and terms are set according to the scheme and the decision on the application.
What is essential for the application?
Present the project, the business plan, a detailed budget, financial forecasts, a cash-flow plan, relevant quotes and other planned financing.
How do I know whether my company is eligible?
First check the area, project stage, legal form, financial criteria and sector exclusions with the local platform.
Can I incur costs before applying?
Ask for confirmation before starting: some schemes require an application beforehand and may exclude costs already incurred.
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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