prêt d'honneur — Le Havre Estuaire
The Le Havre Estuaire programme generally combines support for the project with the possibility of a prêt d’honneur. The catalogue mentions: 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. These details help prepare an initial discussion; they confirm neither that the scheme is currently open nor that the loan will be granted.
The Le Havre Estuaire prêt d’honneur (interest-free personal loan) can complement the financing of a business project, subject to the platform’s criteria and decision. It is a repayable personal loan, generally at zero interest and with no personal guarantee, as is usual in the Initiative France network. The amount, the area covered and the conditions must be confirmed with the local organisation.
Funded by Bpifrance, Département 76 - Seine-Maritime, Financeurs privés, Région Normandie
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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. Have the up-to-date criteria confirmed, notably the business 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. Ask for confirmation of the area covered, the accepted project stage, financial criteria, sector exclusions, combination rules and any complementary bank loan. Check whether the application must precede the start of spending.
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 analysis of the application, link each cost to a concrete objective, state the amount and timing, then attach the available quotes or supporting documents. Have the treatment of costs already incurred checked.
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 Le Havre Estuaire to confirm the area covered and that the project fits. 2. Ask for the up-to-date conditions, caps, supporting documents and review timetable. 3. Prepare the business plan, detailed budget, financing plan, forecasts, quotes and information on 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, deadlines and review times are not confirmed by the information available. Ask the platform for the current timetable and the rules for costs incurred before applying.
Key facts
- Funder
- Bpifrance, Département 76 - Seine-Maritime, Financeurs privés, Région Normandie
- 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
- Normandie
Frequently asked questions
Is the prêt d’honneur a grant?
No. It is a repayable personal loan; the amount and terms depend on the local scheme and the decision on the application.
What makes the application easier to review?
Present the project, the business plan, the detailed budget, forecasts, cash-flow plan, relevant quotes and other planned financing.
How do I confirm my eligibility?
Check the area, project stage, financial criteria, sector exclusions and combination rules with the local platform.
Can I start spending before applying?
Ask for confirmation 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.
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
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