Our financing solutions
BRUFIN +, a loan of up to 200,000 € to grow your business
The financial solution for the growth of small businesses
BRUFIN + is a financing solution designed for commercial companies to support their growth and development. This loan often complements bank financing and creates a leverage effect. Co-financing regularly doubles the financing provided by Brusoc.
Characteristics of the BRUFIN + loan
Who is the BRUFIN + loan intended for?
BRUFIN + is designed to support the development of small businesses. This financing solution is primarily intended for legal entities. In many cases, it complements an existing financing need.
What financing needs can be covered by BRUFIN +?
BRUFIN + can be used to cover all types of financing needs. It may be used for the purchase of stock, equipment and professional investments, or to finance working capital.
What amount can be invested by Brusoc?
The maximum amount is 200,000 €. The amount granted depends on the financing need and your company’s repayment capacity.
What are the advantages of BRUFIN + in the context of a bank loan?
In many cases, BRUFIN + complements a bank loan. It therefore creates a leverage effect by facilitating access to bank financing.
Cost of the BRUFIN + loan
What is the interest rate of BRUFIN +?
The BRUFIN + loan offers a fixed interest rate of 4%.
What are the repayment terms of BRUFIN +?
The loan may be repaid over a period of 1 to 5 years maximum, depending on the project’s repayment capacity.
Is it possible to benefit from BRUFIN + if I do not have any personal contribution?
To benefit from the BRUFIN + loan, you must be able to provide equity capital of at least 6,200 €.
What conditions must be met to benefit from BRUFIN +?
- The business establishment unit must be located in the Brussels-Capital Region
- You must have the necessary skills to carry out the activity and, where applicable, the required authorisations, permits, etc.
- Repayment capacity must be demonstrated based on current results and/or well-supported and realistic financial forecasts.
- The company must not be considered a business in difficulty.
Funding procedure
The BRUFIN + financing application process is designed to be simple, flexible and agile. The objective is to process the application within a maximum of 4 weeks. The processing of an application can begin as soon as the submitted application file is considered complete.
Funding steps
Submission of your application directly to Brusoc or through a support structure (GEL, hub.brussels).
Analysis of your application and, where necessary, support from Brusoc to finalise it.
Meetings with a Brusoc analyst to assess the strength of your application and identify any potential weaknesses in the project.
Presentation of the application to the Board of Directors, which decides whether to grant the financing.
Following approval of the financing, free support is offered to project promoters (legal, financial, administrative support, etc.).
Documents to provide
BRUFIN + application form download here
A financial plan
The CV of the project promoter and a copy of their identity card
Professional access authorisations
Quotes for planned investments
If the activity is already running: accounting statements and VAT returns for the current year
If the application concerns a business takeover: draft transfer agreement, balance sheets and income statements of the seller for the past 2 years
Request funding
Do you need financial support to launch or grow your business?
We offer a range of tailor-made financing solutions. Request funding by completing this form. We will assess your request and get back to you with a first answer within 3 weeks.
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