OSE (Orne Solidaire par l'Entrepreneuriat) – prêt d’honneur (interest-free personal loan)
For the OSE (Orne Solidaire par l'Entrepreneuriat) prêt d’honneur, the catalogue mentions: a zero-interest prêt d’honneur, always granted personally, of €2,000 to €10,000 per beneficiary depending on the project’s overall financing need, repayable in equal monthly instalments over a maximum of 60 months, with a possible deferral of up to 6 months. The founder may also receive support. The listed beneficiaries are: jobseekers, whatever their length of registration with Pôle emploi (the public employment service), with a start-up or takeover project aimed at creating their own job in the Orne or in the Sarthe municipalities of the Alençon urban community (CUA), who receive the RSA (minimum income support); and jobseekers with a start-up or takeover project aimed at creating their own job in the same area, registered with Pôle emploi for more than 3 months on the date of their application. Use this information to prepare an initial discussion with the managing body, then have the conditions applicable on the application date confirmed.
The OSE (Orne Solidaire par l'Entrepreneuriat) prêt d’honneur (interest-free personal loan) can complement the financing of a business project, 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, Département 61 - Orne, Financeurs privés
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Who can apply
Beneficiaries mentioned in the catalogue: jobseekers, whatever their length of registration with Pôle emploi (the public employment service), with a start-up or takeover project aimed at creating their own job in the Orne or in the Sarthe municipalities of the Alençon urban community (CUA), who receive the RSA (minimum income support); and jobseekers with a start-up or takeover project aimed at creating their own job in the same area, registered with Pôle emploi for more than 3 months on the date of their application. The exact scope, exclusions and up-to-date criteria must be confirmed with the managing body.
Eligibility conditions
Conditions listed in the catalogue: the project must be coherent overall, whatever the sector: services, retail, crafts, industry, or diversification of a farming or health activity. It must be rooted in the local area and contribute to its economic development. The prêt d’honneur must be backed by bank financing or an equivalent solidarity loan of an equal or greater amount. 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
The costs and operations eligible under the OSE (Orne Solidaire par l'Entrepreneuriat) prêt d’honneur must be confirmed in the official documents. 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 zero-interest prêt d’honneur, always granted personally, of €2,000 to €10,000 per beneficiary depending on the project’s overall financing need, repayable in equal monthly instalments over a maximum of 60 months, with a possible deferral of up to 6 months. The founder may also receive support.
How to apply
1. Contact the managing body about the OSE (Orne Solidaire par l'Entrepreneuriat) 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, Département 61 - Orne, Financeurs privés
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €10,000
- Automatically extracted — check the official source
- Minimum amount
- €2,000
- Automatically extracted — check the official source
- Geographic scope
- Normandie
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: jobseekers receiving the RSA (minimum income support), whatever their length of registration with Pôle emploi, or registered for more than 3 months, with a start-up or takeover project aimed at creating their own job in the Orne or in the Sarthe municipalities of the Alençon urban community (CUA). The managing body must confirm the current criteria and exclusions.
How much can be obtained?
The information listed is: a zero-interest prêt d’honneur, always granted personally, of €2,000 to €10,000 per beneficiary depending on the project’s overall financing need, repayable in equal monthly instalments over a maximum of 60 months, with a possible deferral of up to 6 months. The founder may also receive support. 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.
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