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Factsheet for measure NL-2022-46/3000 Updated – measures in Netherlands

Credit guarantees for sustainability investments for SMEs lacking collateral (extension of the BMKB)


Country Netherlands , applies nationwide
Time period Temporary, 07 November 2022 – 30 June 2027
Context Green Transition
Type Legislations or other statutory regulations
Category Supporting businesses to stay afloat
– Access to finance
Author Thomas de Winter (Panteia) and Eurofound
Measure added 02 January 2023 (updated 12 June 2023)

Background information

To increase financing opportunities for sustainability investments by SMEs, the SME Credit Guarantee (BMKB) has been widened to include a green section (BMKB-G). This measure is related to the SME credit guarantee scheme . With the SME-credit scheme BMKB-Green, companies can get a loan with a guarantee by the government if they lack collateral. This allows companies to borrow more money with ease. The guarantee is for a maximum of 12 years.

Content of measure

This measure increases the size of the guarantee credit in the BMKB from 50% to 75% of the credit amount. This makes it easier and faster for financiers to provide credit and allows companies to borrow earlier and more money. The scheme is applicable to green investments. Green investments are defined as: business assets as included in the EIA energy list; other resources related to energy investments (maximum share 50%); the adaptation or replacement of business premises to at least Label C. The BMKB-G is intended for SMEs with no more than 250 employees.

Companies with a credit requirement of up to €266,667 can finance three-quarters with BMKB credit. Other companies are limited to half of their lending. A government guarantee of 90% applies to the BMKB credit.

The term of the guarantee on BMKB-G financing has been extended. For all financing with BMKB-G, it is possible to apply a guarantee with a term of up to 12 years (as opposed to 6 years for regular investments).


The following updates to this measure have been made after it came into effect.

17 April 2023

The SME-credit scheme Green has been extended with four years to 30 June 2027.

Use of measure

No data yet

Target groups

Workers Businesses Citizens
Does not apply to workers SMEs
Does not apply to citizens

Actors and funding

Actors Funding
National government
National funds

Social partners

Social partners' role in designing the measure and form of involvement:

Trade unions Employers' organisations
Role Unknown Unknown
Form Not applicable Not applicable

Social partners' role in the implementation, monitoring and assessment phase:

  • Unknown
  • Main level of involvement: Unknown


Unknown involvement, no information available on this.

Views and reactions




Eurofound (2023), Credit guarantees for sustainability investments for SMEs lacking collateral (extension of the BMKB), measure NL-2022-46/3000 (measures in Netherlands), EU PolicyWatch, Dublin,


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Disclaimer: This information has not been subject to the full Eurofound evaluation, editorial and publication process.