{"id":4876,"date":"2026-03-27T09:48:52","date_gmt":"2026-03-27T08:48:52","guid":{"rendered":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-gevestigde-ondernemer\/"},"modified":"2026-06-30T16:31:10","modified_gmt":"2026-06-30T14:31:10","slug":"krediet-voor-gevestigde-ondernemer","status":"publish","type":"page","link":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/","title":{"rendered":"Loan for established entrepreneurs"},"content":{"rendered":"<div data-acfblock=\"Uitklapper-1\" class=\"section section--grey\">\r\n\t<div class=\"container\">\r\n\t\t<div class=\"row justify-content-center\">\r\n\t\t\t<div class=\"col editor  elementOnTop\">\r\n\t\t\t\t<div class=\"accordion\" id=\"accordion1\">\r\n\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i1\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i1\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i1\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>Information\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i1\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i1\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <p>You can receive an interest-bearing business loan of up to \u20ac212,147. The interest rate is 8% and the term is up to 10 years.<\/p>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"accordion-item\">\n\t\t  <h2 class=\"accordion-header\" id=\"heading-u1-i2\">\n\t\t\t<button class=\"accordion-button collapsed\" type=\"button\" data-bs-toggle=\"collapse\" data-bs-target=\"#collapse-u1-i2\" aria-expanded=\"false\" aria-controls=\"collapse-u1-i2\">\n\t\t\t  <span class=\"accordion-toggle\"><\/span>Conditions\t\t\t<\/button>\n\t\t  <\/h2>\n\t\t  <div id=\"collapse-u1-i2\" class=\"accordion-collapse collapse\" aria-labelledby=\"heading-u1-i2\">\n\t\t\t<div class=\"accordion-body\">\n\t\t\t  <h3>Income<\/h3>\n<ul>\n<li>You have been wholly or partly dependent on this income for your living expenses for at least 18 months. Have you been self-employed for a shorter period? In that case, you are considered a start-up.<\/li>\n<li>You must not have any other income apart from your business income that would take you above the social security threshold. So be sure to include your partner\u2019s income. Is that income from temporary work? If so, there may be options available. Please ask us about this.<\/li>\n<\/ul>\n<h3>A viable business<\/h3>\n<p>Your business must be viable after receiving social security benefits. This means that you are expected to earn a \u2018sufficient\u2019 income. Your income from business or employment, together with any other fixed income (e.g. from part-time employment for a few days a week or your partner\u2019s income), must be sufficient to:<\/p>\n<ul>\n<li>Keeping your business running Your income isn\u2019t just for living on. You must also be able to use it for investments and reserves. This means that your income, plus depreciation, must be high enough to meet all repayment obligations (including those under the Bbz). It must also be high enough to maintain the business. You must therefore also be able to make necessary (replacement) investments, if necessary with the help of bank credit.<\/li>\n<li>Making ends meet We take your individual circumstances into account, not just the social security threshold. Have you been managing on less than the social security threshold for years? If so, we will take this into account when assessing whether your business is viable. The continuity of your business or profession must, however, be guaranteed. Under normal circumstances, an income below the social security threshold does not therefore entitle you to social security benefits. In such cases, you will only receive social security benefits if exceptional circumstances arise that create a need for assistance. Are your personal expenses permanently higher than your income? If so, your business is not viable.<\/li>\n<\/ul>\n<h3>Financing and capital<\/h3>\n<ul>\n<li>Banks or investors are unwilling to provide you with any funding, or are offering insufficient funding.<\/li>\n<li>Do you or your partner own any assets (such as a home)? If so, you may still be eligible for financial support. If you have a business partner, we will also assess their assets. The value of your assets determines whether the support takes the form of a loan or a grant.<\/li>\n<\/ul>\n<h3>Liability and administration<\/h3>\n<ul>\n<li>You are in charge of your business and bear the financial risk associated with it.<\/li>\n<li>You and your partner, whether married or not, are jointly and severally liable for the repayment, regardless of any prenuptial agreement.<\/li>\n<li>Any business partner you may have, along with their spouse or partner, must also provide the necessary information and be prepared to bear all the financial risks associated with the business. They must therefore also sign the promissory note and accept joint and several liability.<\/li>\n<li>You must keep proper (business) records and submit your tax returns to the tax authorities on time.<\/li>\n<li>When submitting your application, you must provide access to your accounts, income tax returns and tax assessments for the last three years. You must submit provisional figures for the current financial year and a forecast for the coming year. You must also explain how the problems arose.<\/li>\n<\/ul>\n\t\t\t<\/div>\n\t\t  <\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\r\n\t\t\t<\/div>\r\n\t\t<\/div>\r\n\t<\/div>\r\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Apply for a business loan for existing business owners.<\/p>","protected":false},"author":13,"featured_media":0,"parent":4872,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"wp-custom-template-product","meta":{"_acf_changed":false,"advgb_blocks_editor_width":"","advgb_blocks_columns_visual_guide":"","ep_exclude_from_search":false,"footnotes":""},"categories":[],"tags":[],"folder":[],"class_list":["post-4876","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.9 (Yoast SEO v27.9) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Krediet gevestigde ondernemer | Gemeente Apeldoorn<\/title>\n<meta name=\"description\" content=\"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Krediet voor gevestigde ondernemer\" \/>\n<meta property=\"og:description\" content=\"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/\" \/>\n<meta property=\"og:site_name\" content=\"Apeldoorn\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/gemeenteapeldoorn\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-30T14:31:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/gemeente-apeldoorn.png\" \/>\n\t<meta property=\"og:image:width\" content=\"696\" \/>\n\t<meta property=\"og:image:height\" content=\"500\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/krediet-voor-gevestigde-ondernemer\\\/\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/krediet-voor-gevestigde-ondernemer\\\/\",\"name\":\"Krediet gevestigde ondernemer | Gemeente Apeldoorn\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#website\"},\"datePublished\":\"2026-03-27T08:48:52+00:00\",\"dateModified\":\"2026-06-30T14:31:10+00:00\",\"description\":\"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/krediet-voor-gevestigde-ondernemer\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/krediet-voor-gevestigde-ondernemer\\\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/krediet-voor-gevestigde-ondernemer\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Regelen en weten\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"Ondernemen en organiseren\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/\"},{\"@type\":\"ListItem\",\"position\":4,\"name\":\"Financi\u00eble hulp\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/\"},{\"@type\":\"ListItem\",\"position\":5,\"name\":\"Krediet voor ondernemers\",\"item\":\"https:\\\/\\\/www.apeldoorn.nl\\\/regelen-en-weten\\\/ondernemen-en-organiseren\\\/financiele-hulp\\\/krediet-voor-ondernemers\\\/\"},{\"@type\":\"ListItem\",\"position\":6,\"name\":\"Krediet voor gevestigde ondernemer\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/\",\"name\":\"Gemeente Apeldoorn\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#organization\",\"name\":\"Apeldoorn\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.apeldoorn.nl\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/ape-logo-kleur.png\",\"contentUrl\":\"https:\\\/\\\/www.apeldoorn.nl\\\/wp-content\\\/uploads\\\/2026\\\/02\\\/ape-logo-kleur.png\",\"width\":1877,\"height\":500,\"caption\":\"Apeldoorn\"},\"image\":{\"@id\":\"https:\\\/\\\/www.apeldoorn.nl\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/gemeenteapeldoorn\",\"https:\\\/\\\/www.instagram.com\\\/gemeenteapeldoorn\\\/\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/gemeente-apeldoorn\"]}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Krediet gevestigde ondernemer | Gemeente Apeldoorn","description":"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/","og_locale":"en_GB","og_type":"article","og_title":"Krediet voor gevestigde ondernemer","og_description":"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.","og_url":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/","og_site_name":"Apeldoorn","article_publisher":"https:\/\/www.facebook.com\/gemeenteapeldoorn","article_modified_time":"2026-06-30T14:31:10+00:00","og_image":[{"width":696,"height":500,"url":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/gemeente-apeldoorn.png","type":"image\/png"}],"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/","url":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/","name":"Krediet gevestigde ondernemer | Gemeente Apeldoorn","isPartOf":{"@id":"https:\/\/www.apeldoorn.nl\/en\/#website"},"datePublished":"2026-03-27T08:48:52+00:00","dateModified":"2026-06-30T14:31:10+00:00","description":"Krediet voor gevestigde ondernemers bij gemeente Apeldoorn. Lees de voorwaarden voor bedrijfskrediet als uw bedrijf steun nodig heeft.","breadcrumb":{"@id":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.apeldoorn.nl\/en\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/krediet-voor-gevestigde-ondernemer\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.apeldoorn.nl\/"},{"@type":"ListItem","position":2,"name":"Regelen en weten","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/"},{"@type":"ListItem","position":3,"name":"Ondernemen en organiseren","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/ondernemen-en-organiseren\/"},{"@type":"ListItem","position":4,"name":"Financi\u00eble hulp","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/"},{"@type":"ListItem","position":5,"name":"Krediet voor ondernemers","item":"https:\/\/www.apeldoorn.nl\/regelen-en-weten\/ondernemen-en-organiseren\/financiele-hulp\/krediet-voor-ondernemers\/"},{"@type":"ListItem","position":6,"name":"Krediet voor gevestigde ondernemer"}]},{"@type":"WebSite","@id":"https:\/\/www.apeldoorn.nl\/en\/#website","url":"https:\/\/www.apeldoorn.nl\/en\/","name":"Municipality of Apeldoorn","description":"","publisher":{"@id":"https:\/\/www.apeldoorn.nl\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.apeldoorn.nl\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":"Organization","@id":"https:\/\/www.apeldoorn.nl\/en\/#organization","name":"Apeldoorn","url":"https:\/\/www.apeldoorn.nl\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/www.apeldoorn.nl\/en\/#\/schema\/logo\/image\/","url":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/ape-logo-kleur.png","contentUrl":"https:\/\/www.apeldoorn.nl\/wp-content\/uploads\/2026\/02\/ape-logo-kleur.png","width":1877,"height":500,"caption":"Apeldoorn"},"image":{"@id":"https:\/\/www.apeldoorn.nl\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/gemeenteapeldoorn","https:\/\/www.instagram.com\/gemeenteapeldoorn\/","https:\/\/www.linkedin.com\/company\/gemeente-apeldoorn"]}]}},"coauthors":[],"author_meta":{"author_link":"https:\/\/www.apeldoorn.nl\/en\/author\/blaauwr\/","display_name":"Robine Blaauw"},"relative_dates":{"created":"Posted 4 months ago","modified":"Updated 3 weeks ago"},"absolute_dates":{"created":"Posted on 27 March 2026","modified":"Updated on 30 June 2026"},"absolute_dates_time":{"created":"Posted on 27 March 2026 09:48","modified":"Updated on 30 June 2026 16:31"},"featured_img_caption":"","featured_img":false,"series_order":"","publishpress_future_action":{"enabled":false,"date":"2026-10-22 01:39:48","action":"change-status","newStatus":"draft","terms":[],"taxonomy":"category","extraData":[]},"publishpress_future_workflow_manual_trigger":{"enabledWorkflows":[]},"_links":{"self":[{"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/pages\/4876","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/users\/13"}],"replies":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/comments?post=4876"}],"version-history":[{"count":3,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/pages\/4876\/revisions"}],"predecessor-version":[{"id":17726,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/pages\/4876\/revisions\/17726"}],"up":[{"embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/pages\/4872"}],"wp:attachment":[{"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/media?parent=4876"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/categories?post=4876"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/tags?post=4876"},{"taxonomy":"folder","embeddable":true,"href":"https:\/\/www.apeldoorn.nl\/en\/wp-json\/wp\/v2\/folder?post=4876"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}