prêt d'honneur — Occitanie Transmission
The scheme covers business takeovers or transfers and structuring the funding of the acquisition. Operations mentioned in the catalogue: strengthening buyers’ equity; improving access to bank credit; strengthening start-up cash. To prepare an application, document the scope of the takeover, the price, the financing plan, the bank debt and the business’s trajectory after the transfer. The criteria and conditions below come from the catalogue and must be compared with the up-to-date official rules.
The Occitanie Transmission honour loan aims to strengthen buyers’ equity when taking over a business. In practice, the scheme covers business takeovers or transfers and structuring the funding of the acquisition. Before including it in your financing plan, check the area covered (territorial aid), the business’s profile and the financial conditions in force.
Funded by Région Occitanie
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Who can apply
Beneficiaries mentioned in the catalogue: buyers of a very small business or SME (fewer than 250 employees) located in Occitanie.
Eligibility conditions
Conditions listed in the catalogue: combining with a local honour loan (from one of the Initiative Occitanie network platforms or the Réseau Entreprendre in Occitanie) is mandatory, as is combining with a bank loan. The beneficiary must maintain or create 3 jobs at the takeover (including the business owner) or have a financing plan above €200,000.
What the scheme covers
Operations and exclusions mentioned in the catalogue: strengthening buyers’ equity; improving access to bank credit; strengthening start-up cash.
Amount and funding terms
Amount and terms listed in the catalogue: zero-rate loan, with no guarantee taken; between €10k and €40k per borrower; over 3 to 5 years (60 months maximum) with a possible repayment deferral of up to 6 months.
How to apply
1. Check that the business, area and project fall within the scope of the Occitanie Transmission honour loan. 2. Identify the fundable costs or needs and the exclusions. 3. Build a complete financing plan, including the required contributions and co-financing. 4. Prepare the accounts, forecasts, quotes and documents specific to the operation. 5. Have the written terms of the loan — rate, term, deferral, fees, guarantees and repayment conditions — confirmed before any decision.
Timeline
The opening timetable and deadline are not confirmed in the available data. Ask the funder for the deadlines, review timescale and the rule on starting the operation. Catalogue reference date: 20 April 2026.
Key facts
- Funder
- Région Occitanie
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €40,000
- Automatically extracted — check the official source
- Minimum amount
- €10,000
- Automatically extracted — check the official source
- Geographic scope
- Occitanie
Frequently asked questions
What need does the Occitanie Transmission honour loan cover?
Business takeovers or transfers and structuring the funding of the acquisition.
What amount can be obtained?
Amount and terms listed in the catalogue: zero-rate loan, with no guarantee taken; between €10k and €40k per borrower; over 3 to 5 years (60 months maximum) with a possible repayment deferral of up to 6 months.
Which businesses can apply?
Beneficiaries mentioned in the catalogue: buyers of a very small business or SME (fewer than 250 employees) located in Occitanie.
What should I prepare first?
Document the scope of the takeover, the price, the financing plan, the bank debt and the business’s trajectory after the transfer. Then check the official documents required.
Official source
No official URL is available in our data for this grant.
Other grants of type “honour loan”
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Other grants from Région Occitanie
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Diagnostics and audits
Takeover and transfer
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