Prêt d'honneur Solidaire
The Prêt d’honneur Solidaire is listed as a zero-interest personal loan to support a recent business creation or takeover. The page states €1,000 to €8,000, over 1 to 5 years, with a possible repayment holiday of 0 to 18 months and no security over assets. Confirm that the product still exists, the conditions linked to the founder’s profile and the involvement of an approved operator.
When starting or taking over a business, the initial budget can exceed the founder's available contribution. The Prêt d’honneur Solidaire (solidarity honour loan) was designed to strengthen that contribution with a zero-interest personal loan, with no security over the company's or the manager's assets. The catalogue page mentions €1,000 to €8,000, a term of one to five years and a possible repayment holiday. These parameters are not enough to establish eligibility: check the current status of the offer, the eligible beneficiary profiles and the operators who can support the application.
Funded by Bpifrance
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Who can apply
Audience listed in the catalogue: individuals who are French tax residents, have created or taken over a business less than 3 years ago and are in one of the listed situations, such as receiving the return-to-work allowance (ARE) or the professional security allowance (ASP), or being a registered jobseeker without benefits.
Eligibility conditions
Criteria listed in the catalogue: the beneficiary must obtain an additional bank loan of at least the same amount and with at least an equivalent repayment term. That bank loan cannot carry a personal guarantee exceeding 50% of its amount, including fees and charges.
What the scheme covers
The source page covers the creation or takeover of a business less than three years old. The loan complements the personal financing plan; it is not a grant. Eligibility may depend on the beneficiary’s profile and the support pathway provided by the scheme.
Amount and funding terms
The source page states the following terms: zero-interest honour loan, with no security over the company's or the manager's assets; flexible term of 1 to 5 years with an adjustable repayment holiday of 0 to 18 months; amount between €1,000 and €8,000.
How to apply
1. Check on the Bpifrance Création source whether the product is still offered. 2. Identify an approved operator and have the founder’s profile assessed. 3. Confirm the amount, term, repayment holiday and cumulative conditions. 4. Prepare the financing plan and the requested documents. 5. Count on the financing only once the operator has approved it.
Timeline
No closing date is confirmed in the catalogue. This does not mean the offer is open: check its current status with the funder.
Key facts
- Funder
- Bpifrance
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €8,000
- Automatically extracted — check the official source
- Minimum amount
- €1,000
- Automatically extracted — check the official source
- Geographic scope
- All of France
Frequently asked questions
What is the Prêt d'honneur Solidaire for?
Prêt d'honneur Solidaire is listed in the catalogue as a business financing solution. The historical information on this page identifies its purpose and some parameters, but it is not enough on its own to confirm that the offer is still available on the same terms. Check the linked official page and confirm its status with the funder.
What are the amounts and conditions?
The source page states the following terms: zero-interest honour loan, with no security over the company's or the manager's assets; flexible term of 1 to 5 years with an adjustable repayment holiday of 0 to 18 months; amount between €1,000 and €8,000. Criteria listed in the catalogue: the beneficiary must obtain an additional bank loan of at least the same amount and with at least an equivalent repayment term. That bank loan cannot carry a personal guarantee exceeding 50% of its amount, including fees and charges.
How can I check whether the scheme is still available?
Visit the official page listed in the catalogue (https://bpifrance-creation.fr/encyclopedie/pret-dhonneur-solidaire-ph-solidaire). Check that the offer still exists, its access criteria and how to apply. If the page redirects or is unavailable, ask for confirmation. No closing date is confirmed in the catalogue. This does not mean the offer is open: check its current status with the funder.
Official source
No official URL is available in our data for this grant.
Other grants of type “honour loan”
PHAR Bretagne: funding the seed stage of an innovative business
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Up to €90,000
Montfort Communauté growth loan: local conditions to obtain
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Up to €30,000
Prêt d’honneur IMAEmploi (interest-free personal loan): support and conditions to be confirmed
Collectivité territoriale de Martinique (CTM), Financeur privé - BNP Paribas, Union Européenne-FEDER, Union Européenne-FSE
Up to €5,000
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