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Simulate your credit

Conditions at 1/11/2021

Fixed interest rate from 9,4%. 
Application fees are 5% up to 15 000€, and 4% from 15 001 to
25 000€

This simulation, carried out via the microStart website, does not commit the customer or microStart. 
Beware, borrowing money also costs money. microStart is very vigilant in situations of over-indebtedness and trains its employees to prevent any risk in this area.

Credits of more than € 15 000 are reserved for entrepreneurs who have been in business for more than a year.

€ 15.000
M
Monthly repayment
Total repayment
Application fees *
* Included in the amount lent by microstart
Need for… Credit Duration Monthly repayment Application fees
Cash € 500 6 months € 86,13 € 25
Stock €1.000 12 months € 88,57 € 50
Vehicule € 5.000 24 months € 231,65 € 250
Construction works € 10.000 36 months € 324,55 € 500

Discover our solutions

JUMP

You have a business project and want to start up soon. You started your business less than a year ago and want to develop it.

Credit up to € 15.000

  • Duration up to 48 months
  • Interest rate from 10,4% (fixed rate)
  • Application fees of 5%

Free coaching

  • Set up the financial plan of your business project.
  • Personalised coaching to start up and manage your business.

More info about coaching

Apply for a credit without commitment

BOOST

You started your business more than a year ago and you now want to expand it.

Credit up to € 25.000

  • Duration up to 60 months
  • Interest rate from 9,4% (fixed rate)
  • Application fees of 5%

Free coaching

  • Personalised coaching to manage and develop your business.

More info about coaching

Apply for a credit without commitment

Good to know

  • Early repayment of your credit are possible, at any time and without charge or penalty.
  • You may postpone the first repayment of your credit up to 3 months.
  • If you are starting a business, your credit may be coupled with a “loan of honour” with 0% interest for one third of the amount borrowed and up to € 3.000 maximum (under conditions).
  • microStart offers an interest-free loan to those who wish to do so for cultural, religious or ethical reasons (see conditions with our advisors).

Something for me?

  • I already have a business or would like to start soon.
  • I would like to test a business idea.
  • I need money for my business project, maximum
    € 25.000.
  • I don’t have access to the conventional banking sector to finance my project.
  • Someone close to me, who believes in my project, is willing to be the guarantor for my loan.
  • I’m not in collective debt settlement

Do you need more info? Don't hesitate to consult our FAQ or to contact us

microStart, how does it work ?

At microStart, we will do our very best to give you an appropriate answer in the shortest possible. 

  1. Make an appointmentonline, by phone or in one of our agencies
  2. we analyse your projectyou get an answer within 10 days
  3. we sign a contractthe credit is disbursed and transferred to your bank account 
  4. You start your projectyour monthly repayments start
  5. Enjoy our free coachingor additional financing if needed 

FAQ

  • The purchase of stock, machinery, vehicles or other equipment

    Working capital requirements and to support rental costs for the first few months

    Financing the administration costs associated with starting a business

    Meeting cash flow requirements

    Carrying out market research: test a business idea

    More information is available on our microcredits page

  • Your application will be presented to the credit committee. The committee will evaluate/analyze your application on the basis of the following criteria:

    • Your experience in the field / as a self-employed person
    • The feasibility of your business plan
    • Your environment and network
    • Your relationship to money and your possible debts
    • Your attitude

    The credit committees are held weekly. It is the committee members who decide whether or not to grant the credit.

  • For a credit application, we will ask you for the following documents

    From you:

    (Copy of) Identity card

    Bank card

    The document from the National Bank's Central Individual Credit Register OR the PIN code of the identity card1

    Personal and professional bank statements for the last 3 months

    Proof of income (depending on your situation: certificate of unemployment, warning from the roll, pay slips)

    Proof of domiciliation (invoice, an extract of the identity card)

    From your guarantor:

    (Copy of) identity card

    Bank card

    The document from the National Bank's Central Individual Credit Register OR the PIN code of the identity card1

    Proof of income (depending on your situation: certificate of unemployment, warning from the roll, pay slips)

    Proof of domiciliation (invoice, an extract of the identity card)

     

    We don't necessarily need a business plan. All you need is a concrete idea of the key figures of your business. However, if you have a financial plan, you can always bring it to the appointment.

    1 You can consult the document from the Central Credit Register on the nbb website

  • At microStart, we always ask you to have someone who is responsible for 50% of the loan amount.

    The guarantor can be for example a family member or someone close.

    If you can't find anyone to vouch for you, we can offer you an alternative option that is prior savings. In some cases, we allow a deposit equivalent to 25% of the loan amount. This amount, of which you must justify the origins, will remain blocked for the entire duration of the loan in a guarantee savings account opened with BPost. You will recover this amount, once the entire loan has been repaid.

    NB: with the committee, an application with prior savings is considered to be more risky and is therefore more likely to be rejected than an application with a guarantor.

  • microStart works in partnership with organisations that offer co-financing. In some cases, they can complement your initial financing needs. For more information, do not hesitate to contact one of our agencies.

More questions

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