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Financial matters

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What kinds of financial support for starters is available in the Netherlands?

A solid financial plan will significantly increase your chances of getting the money that you need for starting a business. To help you in financially setting up your business the Chamber of Commerce (KvK) has put together a leaflet:

static.business.gov.nl/includes/downloads/Financieringswijzer-Engels.pdf

There are numerous funding schemes, loans and subsidies for starters and small and medium size businesses in The Netherlands. Information about funding and loans is available here: business.gov.nl/financing-your-business/funding-and-loans/

Funding is available from the Dutch government, from European sources and from private investors and banks.

Bank Loans

There are several large banks (ABN-AMRO, ING Bank, Rabobank,) which offer business/starters packages. Expect to pay a monthly fee. You may pay extra for on-line banking and a debit and/or credit card. These banks also offer insurance (liability, personnel, disability, stock etc.).

More information on how to open a bank account here.

The following site enables comparison by publishing price-performance overviews of business bank accounts (in Dutch only):

zzpdaily.nl/zakelijke-rekening-openen-vergelijken/

Subsidies

The Chamber of Commerce (KvK) has a Help Desk Business Finance. Also business desks in the town halls of the larger cities in The Netherlands as well as expat centers in Amsterdam and The Hague, for example, offer a wealth of information about starting a business including financing options.

General information about subsidies, various types of programmes and tips about how to apply can be found at:

business.gov.nl/financing-your-business/subsidies/

Another starting point could be to make inquiries in the province in which you are setting up your business. There are numerous regional development corporations (RDCs), or regionale ontwikkelingsmaatschappij (ROM), around the Netherlands that invest in private businesses.  For more information and relevant links please see:

business.gov.nl/financing-your-business/funding-and-loans/government-funding/funding-from-regional-development-corporations/

There are also various subsidies and tax reduction schemes that you can profit from as a small, starting enterprise. There are subsidies for environmental initiatives, art and culture, research and innovation, etc.

www.government.nl/topics/enterprise-and-innovation/support-for-small-and-medium-sized-enterprises-smes

The Netherlands Enterprise Agency ( RVO) provides personal advice and assistance to business owners about relevant subsidies, tax benefits, partners, knowledge and legislation. For more detailed information you can visit the following links: english.rvo.nl/topics/startupsandscaleups

english.rvo.nl/subsidies-programmes

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