Start Loan

A Start Loan gives your idea wings!

Need financing to get started or to grow? PMV is happy to get new and young companies moving with a loan of up to 100,000 euros.

Interested? Apply for your Start Loan today.


For whom?

Companies, self-employed and liberal professionals who have yet to start their activities in main occupation or who have been in business for no more than four years.

For what?

For financing tangible, intangible and financial investments, and for financing working capital during the start-up or expansion of your activities.



Subordinated loan


Minimum 3 years, maximum 10 years

Total amount of credit

Maximum €100,000

Own contribution

Minimum 25% of the credit amount

Fixed interest rate



Up to 2 years free of capital repayments

Ife Verhoeven - Startlening

Thanks to a Start Loan, I was able to buy a CRM solution enabling me to work more efficiently.

Ife Verhoeven - Coaching Ife

How does it work?

1/ Draw up a business plan

A successful business starts with a strong business plan that includes a financial plan indicating whether your business is financially viable. When preparing your business plan, you can seek guidance from your bookkeeper, your accountant, your financial adviser or partners with whom PMV works. Contact one of our providers who can help you compile your credit file and submit your application.

2/ File your application

Before preparing your credit file, it is best to check whether your application is eligible for funding. You can do so using our practical checklists for natural persons or companies, at the bottom of this page.

You can ask one of our providers to help you prepare and submit your credit file. You can also submit your Start Loan application yourself.

Before and after the start-up of your activity, it is recommended to follow a guidance programme within the framework of a trajectory supported by the Flemish Agency for Innovation & Entrepreneurship (VLAIO). You can find these guidance trajectories via VLAIO’s Expertise database (in Dutch). If you would like tailor-made advice for your financing, please contact one of the financing experts at VLAIO.

Apply for a Start Loan

3/ Analysis

Upon receipt, a credit analyst will examine your application for admissibility and completeness. The credit analyst may contact you for further information and/or clarification where necessary. After completing the analysis, the credit analyst submits your file with his or her recommendation to the credit committee.

4/ Decision

If the credit committee approves your application, you will receive a credit proposal.
If your application is refused or declared inadmissible, you will receive a notice to this effect, giving your reasons and the various points of refusal. In the event of refusal or inadmissibility, you can resubmit your application with additional information and/or a thorough explanation that refutes the elements of refusal or inadmissibility.
A reworked business plan can also be useful here. Based on these new elements, the credit committee may decide to grant you the Start Loan after all.

If the credit committee refuses your application again or finds it inadmissible, this decision is final and the application cannot be resubmitted.

Meer info over definitieve weigeringen


Checklist financing for natural persons

Checklist financing for companies

All modalities and conditions of the Start Loan can be found bundled in our Start Loan manual (in Dutch).

Financing through a Start Loan is made possible thanks to the guarantee of COSME and the European Fund for Strategic Investments (EFSI), established within the Investment Plan for Europe. EFSI aims to support the financing and realisation of productive investments within the European Union and to facilitate start-ups’ access to finance.

The Start Loan is supported by the European Union under the Loan Guarantee Facility. Beneficiaries of support from the Cultural and Creative Sectors Guarantee Facility also receive financial support from the European Union under the Creative Europe Programme.


Contact an expert

Tom De Keersmaecker Credit analyst pmv-standaardleningen@pmv.eu

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