prêt d'honneur — Initiative Seine Yvelines
The Initiative Seine Yvelines programme generally combines support for the project with the possibility of a prêt d’honneur. The catalogue states: a prêt d’honneur (a loan to the individual, not the company), with no personal guarantee or interest, of up to €75k (subject to conditions). This loan strengthens the personal contribution and the company’s equity. It is generally repayable over 3 to 5 years. 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 Yvelines 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, Région Ile-de-France
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Who can apply
Beneficiaries mentioned in the catalogue: any individual starting or growing a business; any company whose registered office is in the area covered by the Initiative Seine Yvelines network and which is not subject to insolvency proceedings. All legal forms are eligible except associations, rental and lease-management businesses, and property companies. 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 Initiative Seine Yvelines network welcomes founders at the stage of finalising the business plan and seeking financing. The prêt d’honneur must be paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €10 of bank loans on average. The prêt d’honneur is granted by an approval committee made up of the association’s volunteer experts. 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 start-up, development and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, inland waterways, health). 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 (a loan to the individual, not the company), with no personal guarantee or interest, of up to €75k (subject to conditions). This loan strengthens the personal contribution and the company’s equity. It is generally repayable over 3 to 5 years. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
How to apply
1. Contact Initiative Seine Yvelines 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, Région Ile-de-France
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €75,000
- Automatically extracted — check the official source
- Geographic scope
- Not specified
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
Other grants from Bpifrance, Région Ile-de-France
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Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
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