prêt d'honneur — Lot Initiatives Artisanat Développement
The catalogue links the Lot Initiatives Artisanat Développement prêt d’honneur to a development project. Listed terms: a prêt d’honneur with no interest or security – for property: covering 10% of needs, capped at €30,000, repayable over a maximum of 10 years; for equipment: covering 10% of needs, capped at €20,000, repayable over a maximum of 5 years. Have the current caps, repayment or disbursement conditions, any co-financing and the deadline confirmed before including this resource in the financing plan.
The Lot Initiatives Artisanat Développement prêt d’honneur (interest-free personal loan) can help finance a growth phase if the company meets the programme’s criteria. To build a useful application, explain the change you are preparing — business development, hiring, investment or increased capacity — and cost the resources needed. The application must link the financing requested to the expected results and to cash flow.
Funded by Bpifrance, CA du Grand Cahors, Chambre de Métiers et de l'Artisanat du Lot, Département 46 - Lot, Financeurs privés, Région Occitanie
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Who can apply
Beneficiaries mentioned in the catalogue: entrepreneurs registered for more than 5 years in the trades register (Répertoire des Métiers) of the Lot Chamber of Trades and Crafts, whose project is carried out in the Lot department and whose investment programme is at least €40,000. The exact scope, exclusions and up-to-date criteria must be confirmed with the managing body.
Eligibility conditions
Conditions listed in the catalogue: consult the official rules to confirm the eligibility conditions and any exclusions. Ask for confirmation of the area covered, the criteria relating to the company’s situation, sector exclusions, combination rules and required co-financing. Also check whether the application must be made before the project starts or costs are committed.
What the scheme covers
Property investment; equipment investment for: new products — new products or services by the company; new markets — development projects opening up new regional, national or international markets for the company; new production processes — introducing technologically or organisationally new production methods. Eligible equipment investment: machinery, equipment, furniture, technical installations, etc. To ease the review, present the budget item by item, the timetable and the link with the project’s objectives. Attach the available quotes and supporting documents, and check how costs incurred before applying are treated.
Amount and funding terms
A prêt d’honneur with no interest or security – for property: covering 10% of needs, capped at €30,000, repayable over a maximum of 10 years; for equipment: covering 10% of needs, capped at €20,000, repayable over a maximum of 5 years.
How to apply
1. Contact the managing body about the Lot Initiatives Artisanat Développement prêt d’honneur and describe your project. 2. Confirm the beneficiaries, eligible costs, caps, combination rules and current timetable. 3. Prepare an application with a project presentation, detailed budget, financing plan, cash-flow forecasts, quotes and the administrative documents requested. 4. Submit the application following the official procedure and keep the acknowledgement of receipt. 5. Wait for the written decision before treating the financing as secured.
Timeline
The opening timetable and deadlines are not confirmed by the information available. Ask the managing body for the up-to-date dates, the review time and any rules on applying beforehand.
Key facts
- Funder
- Bpifrance, CA du Grand Cahors, Chambre de Métiers et de l'Artisanat du Lot, Département 46 - Lot, Financeurs privés, Région Occitanie
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €30,000
- Automatically extracted — check the official source
- Funding rate
- 10%
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: entrepreneurs registered for more than 5 years in the trades register (Répertoire des Métiers) of the Lot Chamber of Trades and Crafts, whose project is carried out in the Lot department and whose investment programme is at least €40,000. The managing body must confirm the current criteria and exclusions.
How much can be obtained?
The information listed is: a prêt d’honneur with no interest or security – for property: covering 10% of needs, capped at €30,000, repayable over a maximum of 10 years; for equipment: covering 10% of needs, capped at €20,000, repayable over a maximum of 5 years. The applicable amount depends on the current rules and the review of the application.
Which documents need to be prepared?
Prepare a project presentation, a detailed budget, a financing plan, cash-flow forecasts, quotes and the administrative documents requested.
Can I incur costs before applying?
Check this point with the managing body before starting: some schemes require an application beforehand or 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, CA du Grand Cahors, Chambre de Métiers et de l'Artisanat du Lot, Département 46 - Lot, Financeurs privés, Région Occitanie
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