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Our programs
- 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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Outils d’accessibilité

Indirect interventions

Beneficiaries

Companies with a business license issued under the law of September 2, 2011 regulating access to the professions of craftsman, trader, industrialist and certain liberal professions, or with a license under another legal provision.

Loi du 2-09-2011.pdf

Destination

There are two types of indirect loans :

Equipment loan : Subsidized loan limited to projects eligible for investment aid from the Ministry of the Economy based on the Law of August 9, 2018 on an aid scheme for small and medium-sized enterprises.
Indirect development loan (PID) : unsubsidized loan that can co-finance any type of project in the medium and long term as long as the company is one of the eligible beneficiaries.

Request

Applications must be submitted to SNCI through one of our approved partner banks.

Requests are made in the form of an official letter, duly signed and accompanied by the documentation required for an in-depth analysis of the customer and his or her investment project.

Lettre type de demande.docx

Duration
Loan terms depend on the nature of the investment, with a maximum of 15 years.
In specific cases, a grace period may be granted.
Amortization
Repayments are made in equal quarterly installments.
Early repayment may be made without penalty.
Guarantees
The bank, in consultation with the SNCI, takes the security it deems necessary to cover the SNCI + BANK bank financing.
Disbursement
- Lettre type deboursement.docx

Interests

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