Startup loans in Amsterdam
4 loans and investment programs founders in Amsterdam can apply for: 4 from Amsterdam and the Netherlands. Each one with the amount, who qualifies and the next deadline, checked against the official source.
Nearest deadlines
- 31 December 2026Early Phase Financing (VFF) - RVOInterest-bearing loan EUR 50,000-450,000: innovative starters up to EUR 450,000 (100% of costs), small SMEs up to EUR 202,500 (45%), medium SMEs up to EUR 157,500 (35%); interest 7.71% from 1 Sep 2026; repayment starts after 3-5 years
- 31 December 2026Innovation CreditUp to 45% of project costs for small firms (35% medium, 25% large; SMEs 50% with collaboration); max EUR 10M technical / EUR 5M clinical; at least 55% from other financing. 3% fixed compound interest plus a one-off 15% (technical) / 25% (clinical) surcharge; repaid after the project from commercial results
Check which of them fit you
Answer a few questions about you and your project. The co-pilot starts with Amsterdam selected and shows which programs fit, what blocks you and what to do next.
- Concrete reasons, not a score
- Nearest deadlines first
- Next step for each program
From Amsterdam and the Netherlands
- Early Phase Financing (VFF) - RVOInterest-bearing loan EUR 50,000-450,000: innovative starters up to EUR 450,000 (100% of costs), small SMEs up to EUR 202,500 (45%), medium SMEs up to EUR 157,500 (35%); interest 7.71% from 1 Sep 2026; repayment starts after 3-5 yearsLoan · Netherlands · Next deadline: 31 December 2026
- Innovation CreditUp to 45% of project costs for small firms (35% medium, 25% large; SMEs 50% with collaboration); max EUR 10M technical / EUR 5M clinical; at least 55% from other financing. 3% fixed compound interest plus a one-off 15% (technical) / 25% (clinical) surcharge; repaid after the project from commercial resultsLoan · Netherlands · Next deadline: 31 December 2026
- Innovatiefonds Noord-Holland - VFF fundLoan EUR 50,000-450,000 depending on company category (reported as convertible); fund about EUR 5M, half Rijk via RVO, half provinceLoan · Amsterdam · Apply any time
- Rabo Innovation LoanEUR 25,000-200,000 as two equal subordinated loans; 10% fixed interest, 7-year term, no collateral or arrangement feeLoan · Netherlands · Apply any time
Questions founders ask
Which loans and investment programs can I get as a solo founder in Amsterdam?
3 of the 4 programs accept solo founders under their official rules: Early Phase Financing (VFF) - RVO, Innovation Credit and Innovatiefonds Noord-Holland - VFF fund. For the others, the team rule is on each program page.
When is the next deadline?
The next fixed deadline is 31 December 2026 for Early Phase Financing (VFF) - RVO. 4 of the 4 accept applications all year round.
Facts are checked against official sources; each program page shows the verification date and sources. Orientation, not an eligibility decision.