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WIN-WIN loan

How Flanders’ WIN-WIN loan helps you finance your business, while benefitting your family, friends or fans.

To help you involve family, friends and fans in financing your business, Flanders offers support through a ‘WIN-WIN’ loan. This provides an annual tax discount of 2.5% (on the amount of the loan) to those who grant an 8-year loan of 50,000 euros or more to friends, family members or acquaintances who own a company in Flanders.

What borrowers should know

  • Available to independent SMEs with fewer than 250 employees and annual turnover of less than EUR 50 million, or a balance sheet total of less than EUR 43 million:
    • Independence means that, if there is a relationship of participation with other enterprises of 25% or more of the capital of voting rights, the SME’s consolidated figures must satisfy the above criteria.
    • A larger shareholdership by risk capital companies, universities or non-profit research centers is also permitted.
  • Makes it easier for you to find start-up capital.
  • The loan is subordinated, must amount to a maximum of EUR 200,000 and must run for 8 years. Borrowers must repay once after 8 years, or choose monthly, quarterly, biannual or annual repayments. 

What lenders should know

  • Must be a natural person living in Flanders who arranges the WIN-WIN loan outside the framework of his or her professional activities.
  • May not be an employee of the borrower.
  • May not be the spouse or the legally-cohabiting partner of the borrower if the borrower is self-employed.
  • If the borrower is a company, the lender may not be a manager, director or shareholder of that company, or a spouse or legally-cohabitating partner of one of them.
  • May not be a borrower of another WIN-WIN loan for the entire duration of the WIN-WIN loan. 

Significant tax benefits for WIN-WIN loan lenders

Anyone who grants a WIN-WIN loan to a start-up company as a friend, acquaintance or family member receives an annual tax discount of 2.5% on the amount of the loan. 

Interested in doing business in Flanders?

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  • We can introduce you to other companies, banks and regulators
  • We organize site visits to real estate locations
  • We assist with all legal aspects of setting up a business
  • We're an official government agency
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  • It's completely free.
  • Get an overview of all incentives relevant to your company.
  • Tax system explained in-depth.
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  • Discover the benefits of Flanders (in addition to the chocolate).

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