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Référence: 20240230
Date de publication: 4 octobre 2024

Promoteur – Intermédiaire Financier

STICHTING QREDITS MICROFINANCIERING NEDERLAND

Lieu

Description

The loan will support the intermediary, the microfinance platform Qredits, to on-lend to micro, small and medium sized enterprises (MSMEs), including start-ups and the self-employed, a target group that faces a suboptimal situation, due to the fact that lenders usually favour larger and well-established borrowers.

Additionality and Impact

The proposed operation aligns with the InvestEU objective of promoting social investments, specifically microfinance, ethical finance, social enterprise finance, and the social economy.


The Project will target the smallest enterprises, including the self-employed and start-ups. This segment is often overlooked by large lenders who focus on financing larger, well-established corporate borrowers. Micro-SMEs and the self-employed thus face significant barriers to accessing credit due to their smaller size and thinner asset base, which is in turn hindering their investment capacity. The current economic uncertainty, exacerbated by the cost-of-living crisis and the Ukraine war, has intensified these challenges which include the increased cost of financing.


By expanding Qredits' lending capacity at favourable terms, this operation is addressing this market gap, enabling investments and thus supporting micro-businesses' employment, sustainability, competitiveness and potential future growth.


The EIB's involvement is crucial, delivering funding diversification for the financial intermediary and a transfer of financial benefits to final beneficiaries. The ability of Qredits to continue providing microfinance support greatly depends on its access to diverse credit sources, which in turn allow to grow the existing loan portfolio and mitigate the refinancing risk, in the absence of access to capital markets. The InvestEU support not only enables the Project as a whole but also has a signalling effect to other lenders.


The project would not have been carried out to the same extent by the EIB without the InvestEU support.

Objectifs

The aim is to provide the much needed financial support at favourable rates and conditions for the smaller project promoters in the Netherlands.

Secteur(s)

Montant BEI envisagé (montant approximatif)

EUR 40 million

Coût total (montant approximatif)

not applicable

Aspects environnementaux

Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.

Passation des marchés

Final beneficiaries will be requested to comply with applicable national and EU legislation, as appropriate.

Statut

Signé - 20/08/2025

Milestone
À l'examen
Approuvé
Signé
17 décembre 2024
20 août 2025

Clause de non-responsabilité

Avant d’être approuvés par le Conseil d’administration et avant la signature des prêts correspondants, les projets font l’objet d’une instruction et de négociations. Par conséquent, les informations et données fournies sur cette page sont indicatives.
Elles sont fournies à des fins de transparence uniquement et ne peuvent être considérées comme représentant la politique officielle de la BEI (voir également les notes explicatives).

Mots-clés correspondants

Pays-Bas Lignes de crédit