Every businessperson starting up or in operation can access the microcredit and support services of microStart.
You must :
- Have a business start-up project, whatever the legal status (self-employed, NPO, SPRL, SCRL, etc.)
- Want to develop your existing firm or independent activity.
- Have no access to bank credit due to your personal, social or economic situation.
Taking the amount of our loans into account, we favour small-scale projects: mobile or fixed trading, catering, services to people or companies, manual trades, construction, transport, import-export, etc. A priori, no business sector is excluded.
Financial Terms :
Do you want to become self-employed or develop your existing business ?
- Amount : €500 to €10,000
- Nominal interest rate (on 1 December 2011) of 8.25%
- Arrangement fee and interdependence contribution : 5% of the amount of borrowing debited at beginning
- Need to introduce someone from your circle (family, friend, etc.) who is prepared to stand as guarantor for at least 50% of the amount lent.
| Amount borrowed | Term | Monthly payment | Arrangement fee | Interest totals | Total cost of credit |
|---|---|---|---|---|---|
| €1,500 | 12 months | €130.66 | €75 | €67.87 | €142.87 |
| €4,000 | 20 months | €214.75 | €200 | €295.01 | €495.01 |
| €7,000 | 30 months | €259.02 | €350 | €770.62 | €1,120.62 |
| €10,000 | 36 months | €314.52 | €500 | €1,322.66 | €1,822.66 |
Do you have friends who also want to begin a self-employed activity or are self-employed ? Pick the "Interdependent Group" formula and borrow together !
- Amount : progressive loans as from €500
- Nominal interest rate 8.25%
- Arrangement fee and interdependence contribution : 5% of the amount of amount, debited at beginning
- Solidary guarantee for entire group
| Amount borrowed | Term | Monthly payment | Arrangement fee | Interest totals | Total cost of credit |
|---|---|---|---|---|---|
| €500 | 6 months | €85.35 | €25 | €12.10 | €37.10 |
| €1,000 | 12 months | €87.10 | €50 | €45.25 | €95.25 |
| €2,000 | 20 months | €107.38 | €100 | €147.51 | €247.51 |
| €5,000 | 30 months | €185.01 | €250 | €550.44 | €800.44 |
Like a free interest loan? Choose our Freedom option.
- Amount : €500 to €10,000
- No interest rate
- Arrangement fee : as from 9.50% of the amount of the borrowing.
- Need to introduce someone from your circle (family, friend, etc.) who is prepared to stand as guarantor for at least 50% of the amount lent.
| Amount borrowed | Term | Monthly payment | Arrangement fee | Interest totals | Total cost of credit |
|---|---|---|---|---|---|
| €1,500 | 12 months | €125 | €142.50 | €0 | €142.50 |
| €3,000 | €18 months | €166.67 | €414 | €0 | €414 |
| €5,000 | 24 months | €208.33 | €690 | €0 | €690 |
| €10,000 | 36 months | €277.78 | €1,820 | €0 | €1,820 |
- If you would like to simulate your own microcredit, click here
However, please note : borrowing money also costs money. microStart is very vigilant about the risks of overborrowing and our teams are trained to prevent any slip-ups.
microStart benefits from a guarantee issued under the