Credit guarantee for SMEs based in Aruba, Curaçao and Saint Martin (BMKB ACS)
Do you need more collateral to borrow money for your enterprise, based in Aruba, Curaçao or Saint Martin? Ask your financier to inform you about the credit guarantee for SMEs based in Aruba, Curaçao or Saint Martin (BMKB ACS). This credit scheme increases your company’s collateral and thus the financing options of your company, now and in the future.
Budget
Web portal and helpdesk for financiers
There is a dedicated web portal available, accessible only to financiers. It contains the following: the BMKB Manual, a portal for submitting notifications/changes, and the option to ask us questions.
The BMKB helpdesk for financiers can be reached by phone at 088-0425988.
Budget
Companies with a credit requirement of up to 333,333 euros can finance three-quarters with BMKB ACS credit; otherwise, the limit is a maximum of half of the credit provision.
The maximum per company is 1.5 million euros. The BMKB ACS loan is subject to a 90% government guarantee.
Conditions
The BMKB ACS is intended for companies with up to 250 employees (fte's) and an annual turnover of up to €50 million or a balance sheet total of up to €43 million. General partnerships (VOFs), sole proprietorships, and partnerships are also eligible.
You can participate as an entrepreneur. You can also participate as a financier in the BMKB ACS. Start-ups can count on extra favorable terms.
How to apply
You can apply for BMKB ACS until 1 July 2027.
You don't apply for the BMKB ACS yourself. This is done through your lender.
- Ministry of the Interior and Kingdom Relations
