Financing for Belgian businesses, at every stage.
An independent Brussels-based broker. Tell us how long you have been trading and we will point you to the right route.
Business loans
Startup loans
Business loans from €1,000 to €500,000
Flexible terms from 12 to 60 months, so you can match repayments to what the money is for. Short-term working capital or a longer investment, the process is the same.
What you get
- Loans from €1,000 up to €500,000
- Repayment terms from 12 to 60 months, chosen to fit your cash flow
- Interest rates between 3% and 5%, depending on your business profile
- No application fee and no hidden costs: the quote shows exactly what you pay
- Personal guidance from first call to signature, no faceless platforms
- Fully digital application
Do you qualify?
The same requirements apply to every loan size.
- Belgian company trading for at least two years
- Valid Belgian VAT number
- At least 3 months of recent bank statements
- Most recent tax declaration
- Most recent annual accounts
How it works
Free consultation
Tell us about your business and what you need. We check eligibility at no cost.
Collect documents
We walk you through the checklist: bank statements, UBO details, tax returns.
Submit application
We submit a complete file digitally. You usually hear back within a few hours.
Receive your funds
Sign the quote and the money is transferred to your business account.
Startup loans when banks say no
Most standard lenders turn away young companies. Our startup advisory finds the lenders that will consider you and helps you put together a file they can approve.
Why startups get turned down
Too young in business
Most lenders want a long trading history to prove steady cash flow.
We find lenders that look at potential, not only history.
Turnover too low
Lenders often expect monthly turnover to be a set share of the loan amount.
We look for products sized to your current revenue.
No annual accounts yet
Larger loans usually need at least one set of filed accounts.
We advise on timing and structure your application.
How the advisory works
Free first call
We review your plan, revenue and current position to see what is realistic.
We map your options
Government-backed startup loans, microcredit, alternative lenders and leasing.
We prepare your file
What to gather, how to present it, and which lender to approach first.
You receive your loan
Once approved, the funds go to your account and you start building the history for larger loans.
Startup finance advisory
- Full assessment of your financial situation
- Lender matching across multiple providers
- Document preparation guidance
- Support through the application
- A path to our business loans once you pass two years of trading
Startup financing questions
What does the advisory cost?
It starts from €250 as a fixed fee. The exact amount is agreed with you upfront, before any work begins, and is not a percentage of your loan. The first call is free.
Can you guarantee I will get a loan?
No. Every lender makes its own decision based on your business profile. What we guarantee is an honest assessment, only recommending applications with a realistic chance, and the strongest possible file.
I was already declined by a bank. Can you still help?
Often, yes. Lenders use different criteria. We first find out why you were declined, then look for a better fit or advise on what to strengthen before applying again.
When do I move to a standard business loan?
Once your company has been trading for two years and has the turnover and accounts to show it, you can apply for our business loans of up to €500,000 over 12 to 60 months.
Tell us what you need
One form for every service. Pick what you are interested in and we will get back to you, usually within a few hours on working days. No commitment, no cost for the first conversation.
- Phone+32 498 02 36 53
- Emaillucas@schoel.co
- Enterprise numberBE 1035.409.474
Send us a message
Fields change depending on the service you choose.