Up to €75,000 in guaranteed support — simple, fast, and efficient.
- Product type
- Guarantee
- Granted to
- To your bank
- Business stage
- Creation, growth, transfer, innovation and energy transition
- Minimum amount
- No minimum
- Maximum amount
- 75% avec un engagement maximum de 75.000€
For whom?
This product is intended for:
- Self-employed professionals and SMEs
- Located in Wallonia*
- Not in financial difficulty*
- Operating in an eligible sector*
For what purpose?
The guaranteed loan allows you to finance:
- Real estate and equipment investments,
- Working capital needs,
- The takeover of an existing business,
Guarantee duration
- Minimum 12 months – maximum 10 years
Guarantee fee
1% fee on the total guaranteed annual outstanding balances (payable upfront in a single instalment by the bank within one month of the guarantee confirmation).
Specific features
Can be combined with the various Online Loan options, bringing WE’s total risk coverage up to 91.6% of the financed project.
Partial (max 75%) and supplementary guarantee.
Guaranteed bank credit: amortising loan or short-term line with a fixed term of at least 12 months (new or extended line).
Online process
Once your company’s eligibility is confirmed, your bank submits the guarantee request to WE through a secure online platform. No prior approval is required. The platform instantly generates the guarantee approval letter.
Support from the European Investment Fund
The European Investment Fund automatically counter-guarantees up to 50% of some of our commitments under the InvestEU programme.
To apply for an Online Guarantee (available to partner banks only): click here.
Télécharger la fiche produitTélécharger la fiche à destination des banquesThe business files in which Wallonie Entreprendre can intervene must not involve activities in the following areas:
- Road haulage for hire or reward where the financing concerns the acquisition of goods transport vehicles
- Primary production of agricultural products listed in Annex I to the Treaty on the Functioning of the European Union
- Banking, finance and insurance, with the exception of multi-brand insurance brokers
- Property development
- Production and/or distribution of energy or water, with the exception of energy production from renewable energy sources or high-quality cogeneration
- Education and training
- Culture, with the exception of audiovisual production
- Fishing and aquaculture
- Shipbuilding
- Production, processing and marketing of tobacco and tobacco products.
Operating headquarters and/or investment location in Wallonia
A company is presumed to be in difficulty:
- When its equity is negative.
- When the conditions for submission to collective insolvency proceedings are met, in particular when the company resorts to a judicial reorganisation procedure (PRJ)
For companies that have been in existence for more than three years only:
- When equity capital is reduced to less than half of the subscribed capital and more than a quarter of the subscribed capital has been lost over the last 12 months
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