{"id":10698,"date":"2015-06-08T06:50:45","date_gmt":"2015-06-08T04:50:45","guid":{"rendered":"https:\/\/valoxy.org\/blog\/?p=10698"},"modified":"2025-03-07T12:00:11","modified_gmt":"2025-03-07T11:00:11","slug":"pret-honneur-creation-entreprise","status":"publish","type":"post","link":"https:\/\/valoxy.org\/blog\/pret-honneur-creation-entreprise\/","title":{"rendered":"Le pr\u00eat d\u2019honneur"},"content":{"rendered":"<p>Cr\u00e9ateur d\u2019entreprise ou jeune dirigeant, pensez au pr\u00eat d\u2019honneur pour financer vos besoins\u00a0! Cet outil ultra avantageux permet d\u2019acc\u00e9der au pr\u00eat bancaire, mais aussi d\u2019augmenter son fonds de roulement.<\/p>\n<p><span class=\"exergue\"><strong>Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts-de-France, vous dit tout sur le pr\u00eat d\u2019honneur. Ses conditions d\u2019obtention, ses modalit\u00e9s de versement et les besoins qu\u2019il est \u00e0 m\u00eame de financer.<\/strong><\/span><\/p>\n<figure id=\"attachment_6565\" aria-describedby=\"caption-attachment-6565\" style=\"width: 177px\" class=\"wp-caption aligncenter\"><img decoding=\"async\" class=\"wp-image-6565 \" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-300x232.jpg\" alt=\"pr\u00eat d\u2019honneur\" width=\"177\" height=\"137\" srcset=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-300x232.jpg 300w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-1024x792.jpg 1024w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1-768x594.jpg 768w, https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/le-financement-1.jpg 1087w\" sizes=\"(max-width: 177px) 100vw, 177px\" \/><figcaption id=\"caption-attachment-6565\" class=\"wp-caption-text\">qu&rsquo;est-ce qu&rsquo;un pr\u00eat d\u2019honneur ?<\/figcaption><\/figure>\n<h2>Le pr\u00eat d\u2019honneur, qu\u00e8saco ?<\/h2>\n<p><span class=\"exergue\"><strong>C&rsquo;est d\u2019abord un pr\u00eat \u00e0 taux<\/strong>\u00a0<strong>0. Il est aussi un pr\u00eat \u00e0 la personne<\/strong><\/span> <em>(et non \u00e0 la soci\u00e9t\u00e9 en cours de constitution si son fondateur a opt\u00e9 pour ce statut juridique<\/em>), <span class=\"exergue\"><strong>sans exigence d\u2019une garantie personnelle<\/strong><\/span> <em>(d\u2019o\u00f9 le terme pr\u00eat \u00ab\u00a0d\u2019honneur\u00a0\u00bb)<\/em>.<\/p>\n<p><em>En cas de cr\u00e9ation d\u2019une soci\u00e9t\u00e9, le pr\u00eat sera octroy\u00e9 sous forme d\u2019une avance remboursable.<\/em><\/p>\n<p><strong><span class=\"exergue\">Les organismes distributeurs sont g\u00e9n\u00e9ralement des r\u00e9seaux d\u2019accompagnement<\/span>,<\/strong> comme France Initiative*, R\u00e9seau Entreprendre, l\u2019ADIE (Association au Droit \u00e0 l\u2019Initiative Economique)\u2026\u00a0Les sommes allou\u00e9es proviennent de partenaires publics ou priv\u00e9s qui souhaitent concourir au d\u00e9veloppement de leur territoire. Le pr\u00eat d\u2019honneur a une dimension g\u00e9ographique, en g\u00e9n\u00e9ral d\u00e9partementale.<\/p>\n<p><span class=\"exergue\"><strong>Pour solliciter ce type de pr\u00eat, vous devrez donc vous rapprocher de l\u2019organisme qui rel\u00e8ve du lieu d\u2019implantation de votre activit\u00e9.<\/strong><\/span><\/p>\n<p>*France Initiative est l\u2019organisme national qui chapeaute l\u2019ensemble des plateformes d\u2019initiative locales pr\u00e9sentes sur tout le territoire.<\/p>\n<h2>Le pr\u00eat d\u2019honneur, pour qui ?<\/h2>\n<p><span class=\"exergue\"><strong><img decoding=\"async\" class=\"alignright wp-image-6464 \" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/10\/x-or-v-signs-254x300.jpg\" alt=\"Le pr\u00eat d\u2019honneur, pour qui\" width=\"203\" height=\"240\" \/>Il vise les cr\u00e9ateurs, les repreneurs, mais aussi les dirigeants d\u2019une entreprise de moins de 3 ans d\u2019existence, quelle que soit l\u2019activit\u00e9 vis\u00e9e.<\/strong><\/span><\/p>\n<p><span class=\"exergue\"><strong>Ses conditions d\u2019attribution varient selon les localit\u00e9s,<\/strong><\/span> sous condition par exemple de pr\u00e9voir une embauche dans l\u2019ann\u00e9e \u00e0 venir ou de contribuer personnellement au financement de certains besoins identifi\u00e9s dans le plan de financement<strong>\u2026. <span class=\"exergue\">Dans tous les cas, c\u2019est un comit\u00e9 qui tranchera si oui ou non<\/span> <a title=\"Construire son business plan en 10 \u00e9tapes\" href=\"https:\/\/valoxy.org\/blog\/business-plan-en-10-etapes-03052014avl1\/\" target=\"_blank\" rel=\"noopener\">votre business plan<\/a>\u00a0est<span class=\"exergue\">\u00a0assez convaincant pour vous accorder ce fameux coup de pouce financier.<\/span><\/strong><\/p>\n<h2>Pour financer quoi ?<\/h2>\n<div class=\"encadre-style\">Le pr\u00eat d\u2019honneur vise \u00e0 <strong><span class=\"exergue\">augmenter la capacit\u00e9 d\u2019apport personnel du porteur de projet, essentiellement pour acc\u00e9der au pr\u00eat bancaire, et il permet dans de nombreux cas d&rsquo;amplifier<\/span> <a title=\"Qu\u2019est-ce qu\u2019une op\u00e9ration de LBO ?\" href=\"https:\/\/valoxy.org\/blog\/lbo-qu-est-ce-que-c-est-12032015avalsebhaus\/\" target=\"_blank\" rel=\"noopener\">l&rsquo;effet de levier financier.<\/a><\/strong><\/p>\n<p><span class=\"exergue\"><strong>Il est aussi fort utile dans le cadre du financement des besoins en tr\u00e9sorerie au d\u00e9marrage ou au d\u00e9veloppement de son entreprise.<\/strong><\/span><\/div>\n<p>Effectivement\u00a0! Les organismes de cr\u00e9dit sont peu enclins \u00e0\u00a0:<\/p>\n<ul>\n<li>soutenir les porteurs de projet qui ne disposent pas de fonds propres pour financer une partie de leurs besoins,<\/li>\n<li>financer les besoins qui ne conc\u00e8dent aucune garantie, particuli\u00e8rement le <a title=\"Qu\u2019est ce que le BFR ? Quels sont ses enjeux ?\" href=\"https:\/\/valoxy.org\/blog\/le-bfr-quels-sont-ses-enjeux\/\" target=\"_blank\" rel=\"noopener\"><strong>besoin en fonds de roulement (BFR<\/strong><\/a>) et <a title=\"Financer ses besoins en tr\u00e9sorerie au d\u00e9marrage\" href=\"https:\/\/valoxy.org\/blog\/financer-ses-besoins-en-tresorerie-au-demarrage\/\" target=\"_blank\" rel=\"noopener\"><strong>la tr\u00e9sorerie au d\u00e9marrage<\/strong><\/a> (frais de communication, stock de marchandises, coussin financier pour affronter les al\u00e9as\u2026)<\/li>\n<\/ul>\n<h2>Ses modalit\u00e9s<\/h2>\n<p><img decoding=\"async\" class=\"alignright wp-image-3364 \" src=\"https:\/\/valoxy.org\/blog\/wp-content\/uploads\/2013\/05\/cout-de-revient-300x289.png\" alt=\"Les modalit\u00e9s du pr\u00eat d\u2019honneur\" width=\"165\" height=\"159\" \/><\/p>\n<p>Le pr\u00eat d\u2019honneur n\u2019est en aucun cas une alternative au pr\u00eat bancaire. Il est un compl\u00e9ment. D\u2019ailleurs, il<span class=\"exergue\"><strong>\u00a0est vers\u00e9 uniquement si la banque accorde la demande de pr\u00eat en parall\u00e8le, et vice versa.<\/strong><\/span><\/p>\n<p>Nous vous conseillons de solliciter en premier lieu votre pr\u00eat d\u2019honneur. Si l\u2019organisme distributeur valide votre business plan, il vous transmettra une attestation de versement, sous condition d\u2019un accord bancaire. Ce dernier document renforcera votre cr\u00e9dibilit\u00e9 lors de votre recherche de financements aupr\u00e8s des autres \u00e9tablissements de cr\u00e9dit.<\/p>\n<p><span class=\"exergue\"><strong>Les montants maximaux de pr\u00eat d\u2019honneur ne sont pas les m\u00eames d\u2019une localit\u00e9 \u00e0 l\u2019autre.<\/strong><\/span> Tout d\u00e9pend du budget allou\u00e9 \u00e0 l\u2019organisme distributeur. Certains proposent une subvention en lieu et place d\u2019un pr\u00eat. <span class=\"exergue\"><strong>Globalement, les pr\u00eats s\u2019\u00e9talent de 2\u00a0000 \u00e0 50\u00a0000 euros,<\/strong><\/span> voire 90\u00a0000 euros pour les projets innovants. Le pr\u00eat peut faire l\u2019objet d\u2019un diff\u00e9r\u00e9 de remboursement de 12 mois et s\u2019\u00e9taler sur plusieurs ann\u00e9es (en moyenne\u00a05 \u00e0 7 ans).<\/p>\n<h2>NACRE est aussi un pr\u00eat d\u2019honneur<\/h2>\n<p><strong><a title=\"Aide \u00e0 la cr\u00e9ation : le dispositif NACRE\" href=\"https:\/\/valoxy.org\/blog\/aide-a-la-creation-le-dispositif-nacre\/\" target=\"_blank\" rel=\"noopener\">Le pr\u00eat NACRE<\/a> <\/strong>(Nouvel Accompagnement \u00e0 la Cr\u00e9ation ou \u00e0 la Reprise d\u2019Entreprise)<span class=\"exergue\"><strong> est un pr\u00eat d\u2019honneur qui compl\u00e8te le dispositif d\u2019accompagnement NACRE destin\u00e9 aux demandeurs d\u2019emploi d\u00e9sireux de cr\u00e9er ou reprendre une entreprise.<\/strong><\/span> Son objectif est le m\u00eame que le pr\u00eat d\u2019honneur classique et vous pouvez le solliciter aupr\u00e8s des m\u00eames organismes d\u2019accompagnement.<\/p>\n<p>Vous l\u2019avez compris, le pr\u00eat d\u2019honneur est un outil int\u00e9ressant de financement pour les cr\u00e9ateurs d\u2019entreprise. <span class=\"exergue\"><strong>Pour maximiser vos chances d\u2019obtention, ne n\u00e9gligez pas le plan de financement de votre business plan\u00a0!<\/strong><\/span> Les modalit\u00e9s d\u2019octroi du pr\u00eat et les montants mobilisables \u00e9tant sp\u00e9cifiques d\u2019un d\u00e9partement \u00e0 l\u2019autre, <span class=\"exergue\"><strong>nous vous conseillons de vous <a title=\"Le r\u00f4le et les responsabilit\u00e9s de l\u2019expert-comptable\" href=\"https:\/\/valoxy.org\/blog\/role-et-responsabilites-de-l-expert-comptable\/\" target=\"_blank\" rel=\"noopener\">rapprocher d\u2019un expert-comptable<\/a> pour vous aider \u00e0 r\u00e9ussir cette \u00e9tape cruciale de la cr\u00e9ation d\u2019entreprise.<\/strong><\/span><\/p>\n<p class=\"p1\"><span class=\"s1\">Pour en savoir plus sur le financement de votre d\u00e9but d\u2019activit\u00e9, retrouvez nos articles sur le blog Valoxy\u00a0:<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li1\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/aides-au-financement-creation-ou-reprise-dentreprise\/\"><span class=\"s3\">Les aides au financement pour la cr\u00e9ation ou la reprise d\u2019entreprise<\/span><\/a><\/span><\/li>\n<li class=\"li1\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/modes-financement-entreprise\/\"><span class=\"s3\">Modes de financement qui ne font pas appel aux banques<\/span><\/a><\/span><\/li>\n<li class=\"li1\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/creation-entreprise-strategie-financements\/\"><span class=\"s3\">Cr\u00e9ation d\u2019entreprise\u00a0:\u00a0Quelle strat\u00e9gie de financement pour quel projet\u00a0?<\/span><\/a><\/span><\/li>\n<li class=\"li1\"><span class=\"s2\"><a href=\"https:\/\/valoxy.org\/blog\/love-money\/\"><span class=\"s3\">Love et Money font-ils bon m\u00e9nage ?<\/span><\/a><\/span><\/li>\n<\/ul>\n","protected":false},"excerpt":{"rendered":"<p>Cr\u00e9ateur d\u2019entreprise ou jeune dirigeant, pensez au pr\u00eat d\u2019honneur pour financer vos besoins\u00a0! Cet outil ultra avantageux permet d\u2019acc\u00e9der au pr\u00eat bancaire, mais aussi d\u2019augmenter son fonds de roulement. Valoxy, cabinet d&rsquo;expertise comptable dans les Hauts-de-France, vous dit tout sur&#8230;<\/p>\n","protected":false},"author":1,"featured_media":6447,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"class_list":["post-10698","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gestion"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Le pr\u00eat d&#039;honneur pour financer la cr\u00e9ation d&#039;entreprise | Valoxy<\/title>\n<meta name=\"description\" content=\"Le pr\u00eat d\u2019honneur est un pr\u00eat \u00e0 la personne, sans garantie personnelle, g\u00e9n\u00e9ralement distribu\u00e9 par des r\u00e9seaux d\u2019accompagnement.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" 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