SME credit guarantee scheme (BMKB)
If you have a business in the Netherlands, Aruba, Curacao, or St. Maarten, and you employ no more than 250 workers (you have an SME), you may be eligible for a guarantee for part of a loan through the SME credit guarantee scheme (BMKB). This will enable you to borrow more than would otherwise be possible based on your collateral.
There are 2 schemes:
- Credit guarantee for SMEs (BMKB) for SMEs established in the Netherlands, Bonaire, Saba, or St. Eustatius
- Credit guarantee for SMEs based in Aruba, Curaçao, and St. Maarten (BMKB ACS) for SMEs established in Aruba, Curaçao, or St. Maarten
When do you qualify?
To be eligible for the SME credit guarantee scheme BMKB or BMKB ACS, you must fulfil various conditions, including the following:
- Your business is established in the Netherlands, Bonaire, Saba, or St. Eustatius. Or your business is established in Aruba, Curaçao, or St. Maarten.
- Your business has up to 250 FTE employees.
- Your business has an annual turnover of up to €50 million or has a balance sheet total of up to €43 million.
- Your company has been established for over 3 years.
The BMKB scheme offers extra opportunities for innovative companies and startups (in Dutch). The BMKB ACS scheme offers extra opportunities for startups.
View all conditions for the BMKB and all conditions for the BMKB ACS at the Netherlands Enterprise Agency (Rijksdienst voor Ondernemend Nederland, RVO).
How to apply?
As an entrepreneur, you do not apply for the SME credit guarantee yourself. You apply for BMKB (in Dutch) by applying for a loan from one of the participating banks or other funders. Your bank or funder submits an application for the Credit guarantee for SMEs (BMKB) to the Netherlands Enterprise Agency (RVO). This scheme is available until 1 July 2027.
You apply for BMKB ACS by applying for a loan from one of the participating banks or other funders. Your bank or funder submits an application for the Credit guarantee for SMEs based in Aruba, Curaçao and St. Maarten (BMKB ACS) to the Netherlands Enterprise Agency (RVO). This scheme is available until 1 July 2027.