Warning, borrowing money also costs money.
Financing designed for the self-employed and liberal professions
Are you self-employed, a company manager, or a liberal professional? Our company is one of the few to offer tailor-made loans for professionals in Belgium and Luxembourg. Discover our specialized credit to invest, manage your cash flow, and grow your business.
Simulate your professional loanLegal Notice
** A loan commits you and must be repaid. Check your repayment capabilities before committing. The rates indicated are for information purposes only and subject to approval of your application.
Discover the Self-Employed Loan: The Lever for Your Professional Growth
The Self-Employed Loan is a professional financing solution specifically designed to meet the realities of entrepreneurs, SME managers, and liberal professionals in Belgium and Luxembourg. Unlike a personal loan, it is intended to finance your business needs.
Some examples of projects that can be financed with a Self-Employed Loan:
- Purchase of materials and equipment: professional vehicles, machinery, tools, IT equipment.
- Real estate investments: office fitting, renovation of commercial premises, purchase of a warehouse.
- Working capital needs: cash flow management, salary payments, inventory financing.
- Business development: launching a marketing campaign, creating an e-commerce site, pre-financing projects.
- Takeover of a business or buyout of company shares.
Our unique approach is to analyze the financial health of your business to offer you a suitable solution. We work with both self-employed individuals (sole traders) and those operating through a commercial company (LLC, PLC…).
Free • No obligation • Specialized analysis
The Key Advantages of Our Loan for the Self-Employed
We understand that the self-employed and SME managers have specific needs. That’s why our offer stands out with:
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Unique expertise on the market: We are one of the few brokers specializing in credit for the self-employed. Our advisors know how to analyze a balance sheet rather than just a payslip.
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A fast and adapted process: We know your time is valuable. Our application process is digitized and optimized to provide you with a quick and clear response.
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Real support for growth: We don’t see your application as just a loan, but as an investment in your future. We help you get the necessary funds to reach the next level.
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Solutions for all statuses: Whether you are a sole trader or a company, in Belgium or Luxembourg, we have financing solutions adapted to your legal and tax structure.
Choosing us means selecting a financial partner who understands the challenges of your profession and is committed to finding the best solution to support your ambitions.
How to Get Your Self-Employed Loan?
A clear and efficient process, designed for professionals.
1. Online Simulation
Use our simulator to define your investment amount and choose a repayment term suited to your business.
2. Professional Application
Complete the application and prepare your documents: latest balance sheets, tax assessment notices, and up-to-date statements from Social Security and VAT.
3. Specialized Analysis
Our expert advisors in professional credit analyze your company’s financial health to propose the best offer.
4. Offer and Contract
You receive a clear and detailed loan offer. Upon agreement, the contract can be signed quickly, including electronically.
5. Release of Funds
Once the contract is finalized, the funds are transferred to your company’s or professional account so you can bring your project to life.
Flexible Conditions for the Reality of the Self-Employed
We know that a self-employed person’s income is not linear. Therefore, our loan conditions are designed with flexibility:
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Profitability-based analysis: We don’t just evaluate your manager’s salary, but the overall health of your business (turnover, profits, cash flow) to determine your borrowing capacity.
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Consistent repayment term: The loan term can be aligned with the depreciation period of your investment, ensuring sound and logical financial management for your company.
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Early repayment possible: In accordance with the law, you have the option to repay your professional loan early, giving you more flexibility in managing your debt.
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Belgium & Luxembourg Compliance: Our offers are fully compliant with the legal and tax frameworks of both countries, guaranteeing you a secure and optimized transaction.
Use Credit as a Strategic Tool for Your Business
Well-planned financing is a success accelerator for any entrepreneur.
Invest to Grow
Don’t let a lack of liquidity slow down your development. A loan allows you to acquire the tools, talent, or visibility needed to achieve your goals.
Improve Your Cash Flow
Cope with the gaps between customer payments and supplier expenses. A cash flow loan gives you the peace of mind to focus on your core business.
Seize Opportunities
An unexpected order, a buyout opportunity, a need to innovate? Having access to credit allows you to be agile and seize opportunities when they arise.
They Grew Their Business Thanks to Us
“As an architect, I needed to renew all my IT equipment and invest in expensive software. Traditional banks were hesitant. Here, they understood my project and analyzed my balance sheets. I got the funds in less than two weeks. A true partner.”
“My construction SME won a large project that required significant pre-financing for raw materials. Thanks to their responsiveness, I was able to secure the contract and manage my cash flow without stress. It’s rare to find such efficient contacts for the self-employed.”
FAQ: Self-Employed & Liberal Profession Loan
Find answers here to frequently asked questions about our financing solutions for professionals in Belgium and Luxembourg.
Our loan is aimed at professionals who can demonstrate a stable business activity. The main criteria are:
- Status: Self-employed individuals (sole traders, liberal professions, artisans, consultants…) and managers of commercial companies (LLC, PLC, etc.).
- Seniority: You must prove a minimum of 3 full years of activity (3 balance sheets or 3 personal income tax returns).
- Financial situation: It is imperative to have no payment arrears with the Social Security (ONSS) or VAT. A healthy financial situation is required.
- Location: Your business must be based in Belgium or the Grand Duchy of Luxembourg.
To analyze the health of your business, we need a complete file. Please prepare the following documents:
- Copy of your ID card (front and back).
- For companies: The last 2 or 3 annual balance sheets published at the NBB (National Bank of Belgium).
- For self-employed individuals: The last 2 or 3 tax assessment notices.
- A recent and detailed statement of your current loans (private and professional).
- Proof that you are up-to-date with VAT and Social Security/social contribution payments.
- Depending on the project, a quote or a description of the investment may be requested.
The analysis for a self-employed person is very different from that for an employee. We do not base our assessment solely on a fixed salary. Our evaluation is more comprehensive and is based on:
- The profitability of your business: We analyze the evolution of your turnover, your profit margins, and your EBITDA (operating result).
- Your cash flow: Your company’s ability to generate liquidity is a key indicator in determining its capacity to take on new monthly charges.
- Your overall debt level: We take into account all your credit charges (private and professional) to calculate a realistic debt ratio for your structure.
- The nature of your project: An investment that will generate future income will be viewed more favorably.
The 3-year activity rule is an important criterion for our financial partners as it allows for an assessment of a company’s stability and viability over a sufficient economic cycle. For profiles with less than 3 years of activity, granting a professional loan is more complex and is done on a case-by-case basis.
However, we invite you to contact one of our advisors. If you have a solid business plan, very encouraging initial results, or a significant personal contribution, we can study your file and see if alternative solutions are possible.
This depends on your legal status:
- If you are self-employed (sole trader): The loan is taken out in your own name. You are personally and indefinitely liable for the repayment of the debt with all your assets.
- If you operate through a company (LLC, PLC…): The loan is generally granted to the company, which is the main borrower. However, it is very common for the lending institution to request a personal guarantee from the manager. This means that if the company defaults on payment, you would be personally liable for repaying the debt.
Our advisors will explain the implications of each arrangement with full transparency during the analysis of your file.