prêt d'honneur — Pays de la Loire Transmission and Takeover
For the Pays de La Loire transmission-reprise prêt d’honneur, the catalogue mentions: a personal loan with no collateral or personal guarantee from the beneficiary and no interest, limited to a maximum of €40,000. Where several partners take over a company, total loans are capped at €60,000 per company acquired; the repayment period is up to 5 years, with a possible repayment deferral of up to 12 months. The listed beneficiaries are: individuals planning to take over a micro-business or SME in Pays de la Loire, in any sector. Excluded: agriculture and liberal professions. Use this information to prepare an initial discussion with the managing body, then have the conditions applicable on the application date confirmed.
The Pays de La Loire transmission-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, Région Pays de la Loire
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Who can apply
Beneficiaries mentioned in the catalogue: individuals planning to take over a micro-business or SME in Pays de la Loire, in any sector. Excluded: agriculture and liberal professions. 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
The costs and operations eligible under the Pays de La Loire transmission-reprise 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 personal loan with no collateral or personal guarantee from the beneficiary and no interest, limited to a maximum of €40,000. Where several partners take over a company, total loans are capped at €60,000 per company acquired; the repayment period is up to 5 years, with a possible repayment deferral of up to 12 months.
How to apply
1. Contact the managing body about the Pays de La Loire transmission-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, Région Pays de la Loire
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €60,000
- Automatically extracted — check the official source
- Geographic scope
- Pays de la Loire
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: individuals planning to take over a micro-business or SME in Pays de la Loire, in any sector. Excluded: agriculture and liberal professions. The managing body must confirm the current criteria and exclusions.
How much can be obtained?
The information listed is: a personal loan with no collateral or personal guarantee from the beneficiary and no interest, limited to a maximum of €40,000. Where several partners take over a company, total loans are capped at €60,000 per company acquired; the repayment period is up to 5 years, with a possible repayment deferral of up to 12 months. 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, Région Pays de la Loire
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