Initiative Essonne – prêts d’honneur (interest-free personal loans)
The scheme covers: make business start-ups, takeovers and growth possible for as many people as possible through suitable financing (the zero-interest prêt d’honneur) and free, long-term support. Support from the Initiative France network’s local associations makes business projects more secure: 90% of supported companies pass the 3-year mark (compared with 70% on average). Operations listed in the catalogue: all types of business start-up and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.). To prepare the application, describe the project, costs, beneficiaries, supporting documents and timetable, then compare them with the official rules. The detailed conditions must be checked in the official source before any application or declaration.
The Initiative Essonne prêts d’honneur aims to make business start-ups, takeovers and growth possible for as many people as possible through suitable financing (the zero-interest prêt d’honneur) and free, long-term support. Support from the Initiative France network’s local associations makes business projects more secure: 90% of supported companies pass the 3-year mark (compared with 70% on average). The key point is to check the beneficiary profile, the area covered (local scheme) and the current conditions before counting on the benefit in the company’s budget.
Funded by Bpifrance, Département 91 - Essonne, Financeurs privés
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Who can apply
Beneficiaries listed in the catalogue: founders and buyers of businesses in all sectors, whatever their age, background or financial means. Excluded sectors: financial intermediation and property services.
Eligibility conditions
Conditions listed in the catalogue: the network’s local associations welcome founders at the stage of finalising the business plan and seeking financing. All founders can apply for support and financing.
What the scheme covers
Operations and exclusions indicated in the catalogue: all types of business start-up and takeover projects. Complementary programmes have been designed specifically for entrepreneurs, young people under 30 or certain sectors (agriculture, retail, innovation, business transfer/takeover, etc.).
Amount and funding terms
Amount and terms indicated in the catalogue: start-up: prêt d’honneur of up to €25,000; takeover: up to €70,000; growth: up to €75,000; health: up to €50,000; agriculture: up to €25,000; innovation: up to €75,000. The prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €7 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
How to apply
1. Check that the beneficiary and the operation meet the scheme’s criteria. 2. Confirm the amount, caps, exclusions and timetable with the relevant body. 3. Gather the administrative, financial and technical supporting documents. 4. Submit the application following the official procedure and keep the acknowledgement of receipt. 5. Keep the decision and supporting documents.
Timeline
The applicable timetable must be confirmed in the official source. Check the eligible spending period, the application deadline and any transitional rules.
Key facts
- Funder
- Bpifrance, Département 91 - Essonne, Financeurs privés
- Type of funding
- Honour loan
- Status
- Ongoing
- Maximum amount
- €75,000
- Automatically extracted — check the official source
- Geographic scope
- Île-de-France
Frequently asked questions
What is the Initiative Essonne prêts d’honneur for?
Make business start-ups, takeovers and growth possible for as many people as possible through suitable financing (the zero-interest prêt d’honneur) and free, long-term support. Support from the Initiative France network’s local associations makes business projects more secure: 90% of supported companies pass the 3-year mark (compared with 70% on average).
What benefit is provided?
Amount and terms indicated in the catalogue: start-up: prêt d’honneur of up to €25,000; takeover: up to €70,000; growth: up to €75,000; health: up to €50,000; agriculture: up to €25,000; innovation: up to €75,000. The prêt d’honneur is always paired with a bank loan: for every €1 of Initiative prêt d’honneur, an Initiative entrepreneur obtains €7 of bank loans on average. Support before the loan is granted helps the entrepreneur assess all of their financing needs.
Who can benefit?
Beneficiaries listed in the catalogue: founders and buyers of businesses in all sectors, whatever their age, background or financial means. Excluded sectors: financial intermediation and property services.
Which supporting documents should I prepare?
Describe the project, costs, beneficiaries, supporting documents and timetable, then compare them with the official rules. Check the official list of documents to attach.
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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Diagnostics and audits
Takeover and transfer
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