Loan capital is a type of financing in which credit institutions lend money against collateral and receive interest on these loans. Banks offer a wide range of financial services such as loans, current account overdrafts, receivables financing and lease constructions.
In addition, there are special loan constructions in which government programs make it an attractive proposition for banks to provide loans under conditions where they would normally not do so.
Examples here include the BBMKB government-secured loans for SMEs, where the government guarantees the loan made to you. Other instruments include the Growth Facility (Groeifaciliteit), the Innovation Loan (Innovatiekrediet) program, the GO (Garantie Ondernemingsfinanciering) guarantee enterprise funding program, and microloans.
In the years to come, public and semi-public bodies’ instruments will become ever more geared towards financing and ever less towards direct grants. Contact us for a practical analysis of your opportunities!