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- Starting a new business
  
  Starting a new business can be an exciting adventure, but it also requires careful planning and preparation. There are essential steps to take and key elements to consider when setting up a business and seeking financial support such as from the SNCI. Think about innovation, flexibility, a sound business plan, and efficient, straightforward financial management to get your start-up/SME off to the best possible start.
- Financing the modernization and expansion of your business
  
  To convince a potential financial organisation, such as the SNCI, to finance the modernisation and expansion of your business, you need to present a convincing case that demonstrates the possibility of a strong return on investment. Consider updating your business plan to reflect your new objectives and expansion plans, and clearly define your ambitions for modernisation and expansion, possibly even abroad.
- Transform your company into a more modern, creative entity
  
  When you want to transform your company into a more modern, creative, and solutions-oriented entity, several key factors come into play. You will need to clearly define your new corporate vision and the strategic objectives you wish to achieve. Identify the areas in which you want to modernise, focusing on the specific benefits that modernisation will bring to your business.
- Taking over or transferring a business
  
  If you are taking over a business and need to find new financing to support the acquisition and ensure the company's future development, there are several important points to which you should pay particular attention. Firstly, you need to carry out a thorough evaluation of the business you are considering taking over, determine the precise amounts of finance required, check contracts, agreements, current disputes, and other obligations that could affect the future financial health of the business. This will increase your chances of finding the finance you need to successfully complete the takeover and the future development of the business you have just acquired.
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Direct financing

Beneficiaries

All types of company, from SMEs to large corporations. The nature of the loan depends on the type of project.

Destination

Direct intervention is an alternative to indirect loans for :

Smaller-scale start-ups/take-overs, making it easier to complete the financing plan;
Larger-scale projects requiring the involvement of several banks, thus enabling appropriate sharing of collateral between creditors;
More innovative projects.

There are different types of loan

Tableau comparatif prêts DIRECTS.pdf

Request

To be sent directly by the company to SNCI, including in particular :

Company description (organization chart, etc.)
Detailed, costed description of planned investment
Financing plan
Business plan
Balance sheet figures

Duration
Depending on the investment with a maximum of 15 years
Amortization
Quarterly amortization with the possibility of prepayment without penalty (exception for “innovative” projects)
Guarantees
Depends on the type of project and intervention, and is analyzed on a case-by-case basis.
Disbursement
Disbursement conditions depend on the type of project and intervention, and will be defined on a case-by-case basis.

Interests

To be found by loan type in the current actual summary table.