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    Get your credit in less than 1 month*
    *if the file is complete.
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Simulate your credit

Conditions at 2/12/2022

Fixed interest rate from 11,13% 

Application fees are 5% 

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 € 86,55 € 25
Stock €1.000 12 months € 89,38 € 50
Vehicule € 5.000 24 months € 235,67 € 250
Construction works

10.000€

15.000€

25.000€

36 months

48 months

60 months

332,76€

396€

545€

500€

750€

750€

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 12,13% (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 11,13% (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.
  • Under certain conditions, and after the analysis of your credit request, an intrest-free loan can be granted to you, for a maximum amount of € 3000, in combination with your microStart credit. 
  • 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

  • Yes, at microStart we always ask you to have someone you know who is responsible for 50% of the loan amount. The guarantor can be a family member or a close friend, for example, who is not in financial difficulties. 
    If you really cannot find anyone who believes in you and your project and who can act as a guarantor, we may, in certain situations and under certain conditions, be able to offer the alternative of guaranteed savings (in discussion with your credit advisor). This is a deposit equivalent to 25% of the amount of the loan, the origin of which you must be able to prove, and which will remain blocked for the entire duration of the loan in a guarantee savings account. You will get this amount back once the entire loan has been repaid.
    Please note: your application is always presented by your credit adviser to a credit committee, which decides whether or not the loan can be granted. An application with a guaranteed savings will be considered more risky by the committee and will potentially have less chance of being granted 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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