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Funding & grants

Fund an activity, a project or an innovation.

Startups, non-profits, agriculture, innovation: financing that combines bank credit, guarantees and public support schemes.

See the schemes Have my project reviewed
  • One contact per application
  • Articulated with public support
  • Stated review timelines
Available solutions

Four schemes, four kinds of project holders.

Each sheet details eligibility criteria, guarantees and how the review unfolds.

Honour loan for new businesses

Zero-interest start-up funding, with no personal guarantee required.

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Non-profit funding

Financial support designed for not-for-profit projects.

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Agricultural funding

Funding aligned with a farm’s calendar and cycles.

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Innovation support

Support to fund research, development or a prototype.

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Who is it for?

Find the profile that matches you.

Individual

Carry an innovative project individually.

 Student

Launch a first venture born from a study project.

 Sole trader

Fund a farm or a production cycle.

 Business

Fund a research or modernisation programme.

 Entrepreneur

Support a seed stage and a first raise.

 Investor

Co-fund a project alongside the bank.

 Non-profit

Fund a public-interest activity and its equipment.
Entrepreneur

Honour loan for new businesses

Zero-interest start-up funding, with no personal guarantee required.

The honour loan helps project founders gather an initial contribution to launch their business. It often comes with mentoring and makes it easier to access further, complementary financing.

Benefits

  • Zero interest, repayable over several years
  • No personal guarantee requested
  • Leverage to secure additional bank financing

Who is it for?

Business founders and buyers, in any sector.

How it works

  1. 1

    Presenting the project and financing plan.

  2. 2

    Application reviewed by a dedicated committee.

  3. 3

    Funds released and introduction to a support programme.

Conditions
  • Business creation or take-over project
  • Consistent overall financing plan
Required documents
  • Business plan and financial forecast
  • Proof of identity and project evidence
Frequently asked questions
Does the honour loan replace a bank loan?

No, it usually complements and eases access to a professional loan.

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Non-profit

Non-profit funding

Financial support designed for not-for-profit projects.

This funding supports non-profits in their projects: equipment, events, launch cash flow. Terms take into account how non-profit organisations operate.

Benefits

  • Terms adapted to non-profit status
  • Support from a dedicated advisor
  • Flexible repayment schedule

Who is it for?

Registered non-profit associations, of any purpose.

How it works

  1. 1

    Presenting the association’s project and budget.

  2. 2

    Reviewing the request with the association’s board.

  3. 3

    Setting up the funding and annual follow-up.

Conditions
  • Registered association with up-to-date bylaws
  • Clearly defined project
Required documents
  • Association bylaws
  • Latest accounts or projected budget
Frequently asked questions
Can a small association benefit from this?

Yes, this prototype sets no minimum budget threshold.

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Sole trader Business

Agricultural funding

Funding aligned with a farm’s calendar and cycles.

Suited to farms, this funding covers equipment investment, business start-up or working capital, with a repayment schedule that accounts for seasonal income.

Benefits

  • Adjustable schedule based on production cycles
  • Funding for equipment, land or working capital
  • Advisor specialised in the agricultural sector

Who is it for?

Individual farmers, farming partnerships and other agricultural structures.

How it works

  1. 1

    Presenting the farm and the project.

  2. 2

    Application reviewed with a specialised advisor.

  3. 3

    Setting up the financing and repayment schedule.

Conditions
  • Registered agricultural activity
  • Project consistent with the existing farm
Required documents
  • Proof of agricultural operation
  • Cash-flow forecast
Frequently asked questions
Does the funding account for seasonal income?

Yes, the schedule can be adjusted to harvest or sale periods.

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Business Entrepreneur

Innovation support

Support to fund research, development or a prototype.

This support helps companies investing in innovation: research and development, prototyping, patent filing. It can be combined with other public schemes.

Benefits

  • Funding dedicated to R&D and prototyping
  • Can be combined with other public support schemes
  • Application followed by an innovation advisor

Who is it for?

Companies and start-ups carrying an innovative project.

How it works

  1. 1

    Presenting the innovative project and its budget.

  2. 2

    Technical and financial review of the application.

  3. 3

    Funds released and regular progress check-ins.

Conditions
  • Demonstrated innovative nature of the project
  • Detailed projected budget
Required documents
  • Technical description of the project
  • Projected R&D budget
Frequently asked questions
Is this support limited to tech start-ups?

No, any innovative project, including non-technological ones, can be submitted.

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Shared support

What comes with every funding solution.

Application review, dedicated advisor, simulation and online tracking: the building blocks shared by every funding solution above.

Application review

A dedicated committee reviews every request based on the project’s nature.

Dedicated advisor

One contact follows your file from submission through to payout.

Simulation

Estimate an indicative schedule before submitting your request.

Online tracking

Your application’s progress can be checked at any time.

Your profile

Browse the other service families.

Accounts

Current, savings, premium, student, joint, sole-trader, business.

Loans

Personal, mortgage, auto, student, professional, business.

Savings

Standard, project, housing, retirement, child, business.

Insurance

Home, auto, health, travel, borrower, professional.

Investing

Investments, stocks, bonds, funds, advice, responsible investing.

Funding & grants

SMEs, startups, non-profits, agriculture, innovative projects.
Benefits

Financing built with the project holder.

Single contact

One manager coordinates analysis, guarantees and public support.

Combined structure

Credit, guarantee and grant can be articulated in one plan.

Stated timelines

Each review step is dated and tracked.

Explicit criteria

Eligibility can be checked before assembling a full application.

Priority projects

Energy transition and digitalisation receive accelerated review.

Reasoned refusal

An unfavourable decision is explained, with routes to revisit it.

How it works

Five steps, nothing left unclear.

1

Discover

Check the project’s eligibility for the target scheme.

2

Choose

Choose the structure: credit, guarantee, grant or a combination.

3

Apply

File the application with forecasts and corporate documents.

4

Review

Financial analysis, guarantees and committee opinion.

5

Confirm

Decision, release of funds and project follow-up.

Key information

Conditions and documents to prepare

Conditions

  • Have a registered entity, or one being registered.
  • Present a coherent, documented forecast.
  • Public schemes follow their own eligibility criteria.
  • Guarantees or an own contribution may be required.
  • The financing is earmarked for the project described in the file.

Documents that may be required

  • Articles, registration and the director’s identity document.
  • Last two financial statements, or forecasts for a new venture.
  • Financing plan and detailed project description.
  • Quotes for the planned investments.
  • Evidence of eligibility for the targeted public support.

Academic mock-up. The conditions, amounts and terms shown are fictional and carry no contractual value.

FAQ

Frequent questions about funding

Can credit and a grant be combined?
Yes, in most cases: a grant reduces the bank financing needed and improves the funding plan.
Is a company being created eligible?
Yes, subject to solid forecasts and, often, an own contribution or an additional guarantee.
How long is the review?
It depends on the complexity of the structure and the completeness of the file; each step is dated in request tracking.
Is an own contribution required?
A contribution strengthens the file without always being required; it can be replaced by a guarantee.
Are the stated amounts real?
No. This mock-up is educational: the amounts, rates and schemes shown are fictional.
See the general FAQ
Take the next step

Have your project reviewed.

Describe the project and its funding need: an initial analysis is offered to you.

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