Corona Bridging Loan (COL)


After making several loans available to entrepreneurs with a banking relationship, the Dutch government now also offers support for startups that have yet to establish such a relationship. The Dutch Regional Development Agencies (ROMs) offer the Corona Bridging Loan (COL). The COL comprises between €50,000 and €2 million, at an interest rate of 3% and with a term of 3 years. Submission is possible as from April 29, 2020.


  • A one-year liquidity statement must be available, showing that the financing need is due to the corona crisis.
  • There are 3 categories with different additional conditions (€50-250,000; €250-500,000; and €500-2,000,000).
  • Funding is granted on a one-off basis and there may be no cumulation of aid.
  • Standard legal documentation must be adhered to.

Who Can Apply?

  • Startups, scale-ups, and innovative SMEs. These are companies with predominantly external capital that are not financed by a bank.
  • The COL is also open to SMEs that have financed their growth in recent years with internal equity.
  • Companies working in retail, hospitality, and small business services are not eligible, nor are independent entrepreneurs.
  • Investors may assist in the application, but cannot make the submission themselves.

Illegible Costs

  • The loan comprises between €50,000 and €2 million.
  • For amounts that exceed €250,000, 25% co-financing is expected from the shareholders or other investors. These may also be new investors. The investment must meet the same conditions as the COL (including the interest rate of 3%).
  • The COL may not be used to repay existing loans.
  • For amounts between €2-5 million, you may apply for Invest-NL’s Temporary Bridging Loan Programme innovative Start- and Scale-ups (TOPSS).


  • It is not possible to negotiate about the terms and conditions of the bridging loan.
  • The bridging loan must be signed no later than December 31, 2020.

Evaluation Criteria

  • There are no specific evaluation criteria other than those described above.

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