Skip to content
  • Advance payments
    Without costs or penalties
  • Simple, fast and efficient
    Receive your credit in under 15 days
  • Free coaching
    Coaching, Trainings & E-learning

Simulate your credit

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

€ 15.000
M
Monthly repayment
Application fees
Total repayment

Apply for credit

Conditions at 1/06/2020

Annual interest rate from 7.95%. 
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.

See examples Hide examples
Need for… Credit Duration Monthly repayment Application fees
Cash 500€ 6 months 85,77€ 25€
Stock 1.000€ 12 months 87,89€ 50€
Truck 5.000€ 24 months 228,31€ 250€
Works 10.000€ 36 months 317,76€ 500€

IF YOU MEET THE FOLLOWING CRITERIA, YOU ARE ELIGIBLE.

  • I am already in 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 for my project.
  • In most cases, someone close to me, who believes in my project, is willing to be 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 make every effort to provide you an appropriate answer in the shortest possible time. These are the most important steps:

  1. book an appointmentVia call or online
  2. we analyse your projectReply within 10 days
  3. we sign a contractThe amount of your loan becomes avalaible 
  4. You start your projectThe monthly repayment begins 
  5. Enjoy our free coachingOr from supplementary fund it necessary 

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

  • 3. Is my application likely to be accepted ?

    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 a family member, someone close, or a third party (e.g. the CPAS).

    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