Coup de Pouce Loan

For whom?

Through the Coup de Pouce Loan, your relatives can invest in your business and benefit from a tax incentive.

• You manage an SME or work as a self-employed professional
• You have a business location in Wallonia*
• Your activity does not consist primarily of investment, treasury placement or financing activities as defined by the Income Tax Code
• Your company is not a real estate holding owned for private use by its directors or close family members

If you represent a legal entity:

• It must be a company, association, or foundation as defined under the Belgian Companies and Associations Code.
• It cannot be a company formed solely to carry out management or administration contracts (except in the case of buyout-related loans).
• Your company is not listed on the stock exchange.

For the lender:

• You are a private individual granting a loan outside the scope of your professional or business activities.
• You are subject to Belgian personal income tax or non-resident income tax located in the Walloon Region.
• You are not an employee of the borrower.
• If the borrower is a self-employed individual, you are not their spouse or legal partner.
• If the borrower is a legal entity, you (or your spouse/legal partner) are not a shareholder, director, or manager of that entity, directly or indirectly through another company you control.
• You are not already a borrower of another Coup de Pouce Loan.

All applicable conditions are set out in the Decree of 28 April 2016 on the Coup de Pouce Loan, as amended, and its implementing regulations.

For what purpose?

The borrowed funds may only be used to finance the business activities of the company receiving the loan.

Duration

4, 6, 8, or 10 years

Interest rate

For loans concluded in 2026: minimum 2.25% – maximum 4.50%.

Specific features

2.5% tax credit for the lender

Repayment 

Several repayment options are available:

• full repayment of the capital at the end of the loan term
• amortising loan with quarterly, semi-annual, or annual repayments

The loan may be repaid early (through a single payment of the full outstanding principal and interest).

Subordinated nature

The loan is subordinated to all existing and future debts of the company.

Public guarantee

In the event of bankruptcy, judicial reorganisation, or liquidation where the borrower cannot repay, the lender may receive a one-time tax credit equal to 30% of the capital permanently lost.

Procedure

1. Transfer the funds to the borrower by bank transfer.
2. Complete the online form providing information about the lender, the borrower and their business activities, as well as the terms of the loan (amount, interest rate, duration and repayment terms).
3. Once the form has been completed and submitted, the loan agreement and the required documents are generated. Complete them and have them signed by the relevant parties.
4. Submit the registration application and the required supporting documents by email to Wallonie Entreprendre at enregistrement@pretcoupdepouce.be within three months of the date on which the loan is concluded (the date on which the loan is concluded is the date on which the funds are transferred to the borrower).
5. Wallonie Entreprendre then checks whether the eligibility conditions are met. If all conditions are met and the application has been submitted within the required timeframe together with the required supporting documents, the loan is registered.