Prêt d'honneur Quartier
For the Prêt d’honneur Quartier, the catalogue mentions: a zero-interest prêt d’honneur granted to the founder, with no security on the company’s or the manager’s assets; a flexible term of 1 to 5 years with an adjustable capital deferral of 0 to 24 months; an amount of €1,000 to €15,000, co-financing up to a maximum of 66% of the total financing need (2/3 Prêt d’honneur Quartier and 1/3 co-financing); no arrangement fees; no early repayment penalty. Only one Prêt d’honneur Quartier can be granted per individual and per support network. The listed beneficiaries are: individuals from or based in a priority urban neighbourhood (QPV) who are starting, growing or taking over a business and who meet the following criteria: being a sole trader, partner or shareholder of the company (not merely its legal representative — being a non-shareholder corporate officer is not enough); being tax-resident in France; living in a QPV or having the company registered in one. Not eligible: property holding companies (SCI), associations, foundations and companies in difficulty. Use this information to prepare an initial discussion with the managing body, then have the conditions applicable on the application date confirmed.
The Quartier 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
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Who can apply
Beneficiaries mentioned in the catalogue: individuals from or based in a priority urban neighbourhood (QPV) who are starting, growing or taking over a business and who meet the following criteria: being a sole trader, partner or shareholder of the company (not merely its legal representative — being a non-shareholder corporate officer is not enough); being tax-resident in France; living in a QPV or having the company registered in one. Not eligible: property holding companies (SCI), associations, foundations and companies in difficulty. The exact scope, exclusions and up-to-date criteria must be confirmed with the managing body.
Eligibility conditions
Conditions listed in the catalogue: the founder must be supported by an operator designated by their region and obtain a bank or similar loan of at least half the amount, with at least an equivalent repayment period. This bank loan cannot carry a personal guarantee exceeding 50% of its amount, including fees and charges. 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 Quartier 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 granted to the founder, with no security on the company’s or the manager’s assets; a flexible term of 1 to 5 years with an adjustable capital deferral of 0 to 24 months; an amount of €1,000 to €15,000, co-financing up to a maximum of 66% of the total financing need (2/3 Prêt d’honneur Quartier and 1/3 co-financing); no arrangement fees; no early repayment penalty. Only one Prêt d’honneur Quartier can be granted per individual and per support network.
How to apply
1. Contact the managing body about the Quartier 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
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €15,000
- Automatically extracted — check the official source
- Minimum amount
- €1,000
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: individuals from or based in a priority urban neighbourhood (QPV) who are starting, growing or taking over a business, are a sole trader, partner or shareholder of the company (not merely a non-shareholder corporate officer), are tax-resident in France and live in a QPV or have the company registered in one. Not eligible: property holding companies (SCI), associations, foundations and companies in difficulty. 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 granted to the founder, with no security on the company’s or the manager’s assets; a flexible term of 1 to 5 years with an adjustable capital deferral of 0 to 24 months; an amount of €1,000 to €15,000, co-financing up to a maximum of 66% of the total financing need (2/3 Prêt d’honneur Quartier and 1/3 co-financing); no arrangement fees; no early repayment penalty. Only one Prêt d’honneur Quartier can be granted per individual and per support network. 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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