#CyberFit Financing
Netherlands

Access special funding in Netherlands to help your business survive and grow during challenging times

Business Loan Guarantee (extension of existing program)

Program description
  • Program helps SME to borrow substantial amounts of money.
  • Government guarantee increased up to EUR 150 million (due to COVID-19): 90% for SME, 50% to 80% for large companies (public limited companies).
  • Eight-year maximum term for this type of credit.
  • Money providers received 50% government guarantee.
  • Learn more about the program
Eligibility
  • SME has its registered office in the Netherlands and commercial activities are conducted primarily in the Netherlands.
  • Large and medium-sized companies in the Netherlands.
  • "Healthy company" with reasonable profitability and continuity prospects.
  • The financing qualifies as “fresh money” (in Dutch).
  • In the last 12 months, no excessive capital withdrawals from the company have taken place.
  • Requesting this type of financing for your own company activities.
How to apply

SME Credit Guarantee

Program description
  • A guarantee for part of a loan through the SME credit guarantee scheme.
  • Helps SMEs that are affected by the coronavirus secure bank guarantees and bridge financing.
  • The Ministry of Economic Affairs and Climate Policy stands as guarantor.
  • Guarantee budget is increased from €765 million to €1.5 billion.
  • 90% government guarantee.
  • Learn more about the program
Eligibility
  • Business is established in the Netherlands, Bonaire, Saba, or St. Eustatius.
  • Up to 250 FTE employees.
  • Large and medium-sized companies in the Netherlands.
  • Annual revenue should be up to €50 million.
  • Balance sheet total of up to €43 million.
  • Company has been established for over three years.
How to apply

Temporary Bridging Measures NOW

Program description
  • The compensation for wages SMEs can claim depends on the turnover loss.
  • SMEs can claim a maximum of 90% of the wages.
    For example:
    If the turnover loss is 100%, the compensation will amount to 90% of wages
    If the turnover loss is 50%, the compensation will amount to 45% of wages
    If the turnover loss is 25%, the compensation will amount to 22.5% of wages
  • Based on your application, the Employee Insurance Agency (UWV) will pay your SME an advance of 80% of the expected compensation. The actual turnover loss will be determined afterwards.
  • Learn more about the program
Eligibility
Condition
  • Cannot layoff employees on economic grounds during the period the business receives the NOW compensation.
  • Need to provide a statement from an accountant that claims your business exceeds a certain amount (to be defined).
  • Learn more about the program
How to apply
  • Applications to the Employee Insurance Agency (UWV).
  • UWV strives to handle requests from April 6, 2020. If you fulfill the requirements you will get an advance payment within two to four weeks.
  • Learn more about the program