prêt d'honneur — Lot Initiatives Artisanat Reprise
For the Lot Initiatives Artisanat Reprise prêt d’honneur, the catalogue mentions: a prêt d’honneur with no interest or security, covering 10% of needs (20% for takeovers in the Causses du Quercy Regional Nature Park), capped at €13,000 and repayable over 3 to 5 years. Management fees will be charged. The listed beneficiaries are: buyers with a professional qualification or several years’ experience in the trade concerned. Use this information to prepare an initial discussion with the managing body, then have the conditions applicable on the application date confirmed.
The Lot Initiatives Artisanat Reprise prêt d’honneur (interest-free personal loan) can complement the financing of a business start-up or takeover, according to the managing body’s criteria. To check whether it is relevant, start by identifying the need to be financed, the area concerned and the project’s stage of progress. The exact terms and current availability must be confirmed before building the financing plan.
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: buyers with a professional qualification or several years’ experience in the trade concerned. 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
Help setting up the project (business valuation, forecasts, legal and tax advice, etc.); a prêt d’honneur to complement your contribution to the project. 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, covering 10% of needs (20% for takeovers in the Causses du Quercy Regional Nature Park), capped at €13,000 and repayable over 3 to 5 years. Management fees will be charged.
How to apply
1. Contact the managing body about the Lot Initiatives Artisanat Reprise 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
- €13,000
- Automatically extracted — check the official source
- Funding rate
- 20%
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: buyers with a professional qualification or several years’ experience in the trade concerned. 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, covering 10% of needs (20% for takeovers in the Causses du Quercy Regional Nature Park), capped at €13,000 and repayable over 3 to 5 years. Management fees will be charged. 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
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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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