WE SME Guarantee

undefined

For an investment, a business takeover, working-capital financing, or a performance guarantee on an operation.

Product type: Guarantee
Granted to: To your bank
Business stage: Crreation, growth, transfer, innovation, and energy transition
Minimum amount: No minimum
Maximum amount: coverage, with a maximum guarantee generally capped at €1,500,000

For whom?

This product is intended for:

The guaranteed loan allows you to finance:

For a fixed-term loan: maximum 10 years, no minimum duration required
For an open-ended loan: maximum 5 years, renewable, no minimum duration required

A specific version of this guarantee is available for real estate and equipment investments: the “priority guarantee.”

The guarantee fee is paid in a single instalment by your bank or leasing company:

For a guarantee period equal to the loan term: annual commission of at least 1% on the guaranteed annual outstanding balance.
For a guarantee period shorter than the loan term: annual commission of at least 1.1% on the guaranteed annual outstanding balance.

The European Investment Fund automatically and partially counter-guarantees some of our commitments under the InvestEU programme.

Get in touch with our team.

Need more information?

*Glossary

Definitions

Operating headquarters and/or investment location in Wallonia.
A company is presumed to be in difficulty:
- When its 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;
- When the conditions for submitting to collective insolvency proceedings are met, in particular when the company resorts to judicial reorganisation proceedings (PRJ);
- Certain financing solutions are more restrictive (non-uniform European regulations).
The business files in which WE may intervene must not operate in the following areas:
- Road haulage for hire or reward where the financing relates to 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 the production of energy from renewable energy sources or high-quality cogeneration
- Education and training
- Culture, with the exception of audiovisual production
- Fishing and aquaculture
- Shipbuilding