prêt d'honneur — RDI
For the “Prêt d’honneur RDI”, the catalogue states: A prêt d’honneur with no interest or security, granted personally, of up to €6,000 per job created (capped at €18,000 for 3 full-time jobs created), repayable over a maximum of 4 years. The association also offers France Active network bank guarantees designed to limit entrepreneurs’ personal financial exposure (several types of guarantee for different beneficiaries). The beneficiaries listed are: owners of business start-up or takeover projects with a financing plan above €15,000, setting up in the Métropole de Lyon, Est Lyonnais or Monts et Coteaux du Lyonnais, who plan to work full time in their business. Use this information to prepare an initial discussion with the managing body, then have the conditions applicable on the application date confirmed.
The RDI 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, Région Auvergne-Rhône-Alpes, Union européenne
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Who can apply
Beneficiaries mentioned in the catalogue: owners of business start-up or takeover projects with a financing plan above €15,000, setting up in the Métropole de Lyon, Est Lyonnais or Monts et Coteaux du Lyonnais, who plan to work full time in their business. The exact scope, exclusions and up-to-date criteria must be confirmed with the managing body.
Eligibility conditions
Conditions listed in the catalogue: the prêt d’honneur, granted personally, is intended to strengthen the company’s equity. The prêt d’honneur does not replace a bank loan, but makes it easier to obtain one. Banks will rely on the support work carried out by the association to determine the amount of the loan they grant to prêt d’honneur recipients. 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
All types of business start-up and takeover projects (except the property sector and businesses based exclusively on exports). 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, granted personally, of up to €6,000 per job created (capped at €18,000 for 3 full-time jobs created), repayable over a maximum of 4 years. The association also offers France Active network bank guarantees designed to limit entrepreneurs’ personal financial exposure (several types of guarantee for different beneficiaries).
How to apply
1. Contact the managing body about the RDI 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 Auvergne-Rhône-Alpes, Union européenne
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €18,000
- Automatically extracted — check the official source
- Minimum amount
- €6,000
- Automatically extracted — check the official source
- Geographic scope
- Not specified
Frequently asked questions
Who can benefit from the scheme?
The catalogue states: owners of business start-up or takeover projects with a financing plan above €15,000, setting up in the Métropole de Lyon, Est Lyonnais or Monts et Coteaux du Lyonnais, who plan to work full time in their business. 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, granted personally, of up to €6,000 per job created (capped at €18,000 for 3 full-time jobs created), repayable over a maximum of 4 years. The association also offers France Active network bank guarantees designed to limit entrepreneurs’ personal financial exposure (several types of guarantee for different beneficiaries). 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
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Capital and investment funds
Support and acceleration
Diagnostics and audits
Takeover and transfer
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