Digit Online Loan

No, the Digit Online Loan is a subordinated loan, which means that no bank guarantee is required. It’s accessible even if you don’t have significant assets or a large personal contribution.

This setup helps reduce the financial burden for growing businesses or those facing temporary financial imbalance, while giving them access to more advanced digital infrastructure.

The Digit Online Loan is a subsidized credit offered in the Walloon Region to encourage entrepreneurs to modernize their digital tools. It allows you to finance up to €100,000 for equipment, services, or digital-related solutions.

This program targets businesses operating within a well-defined framework, offering flexible conditions and a fast, straightforward process. It’s a valuable boost to strengthen your systems, improve accounting, or install a new fiber connection.

The program is open to Walloon-based businesses operating in nearly all sectors, with a few specific exclusions. Self-employed professionals, SMEs, and commercial companies can apply, provided they meet certain economic viability criteria.

You must be able to demonstrate your repayment capacity, sufficient capital, and a minimum investment amount. The loan is also available to project leaders undergoing a career change or entering a phase of digital recruitment.

The loan covers any digital investment aimed at modernizing your business: website redesign, software purchases, content creation, data security, or integration of connected machines. It’s tailored to your real needs.

You can also finance the purchase of physical equipment such as computers, tablets, servers, digital printers, or even robots used to automate certain internal processes.

The bank loan amount ranges from €10,000 to €100,000, depending on the nature of the project, your profile, and available resources. A cap is set, and each application is assessed on a case-by-case basis.

This loan can be combined with other forms of support, such as social credit or a hiring bonus, giving a competitive edge to businesses looking to speed up their digital transformation.

Unlike a traditional bank loan, the Digit Online Loan offers a very attractive interest rate, requires no personal guarantee, and comes with flexible approval conditions. It’s a genuine competitive advantage.

On top of that, the process is streamlined, and businesses can benefit from support provided by certified partners. This helps save time and gain visibility more quickly.

Yes, you can request a deferred repayment period of up to 12 months, depending on the case. This gives you time to develop your project without immediate financial pressure.

This grace period is especially helpful if you need to first invest in equipment, devices, or staff training before generating tangible economic returns.

You’ll need to gather several key documents: your action plan, detailed quotes, a clear explanation of your goals, and proof of financial stability. Everything can be submitted by email through the official platform.

Qreative can help you prepare everything in advance: selecting the right equipment, creating the quotes, framing the project, and putting together a compliant application. This gives you peace of mind and faster results.

Each application is assessed based on an evaluation grid: nature of the expenses, digital impact, overall coherence, and implementation capacity. Your business sector is also taken into account.

An advisor can help you review these points before submission. This way, you’ll know whether your company has a chance of eligibility and how to strengthen your case with the regional authorities.

The Digit Online Loan from Wallonie Entreprendre offers Walloon SMEs funding between €10,000 and €100,000, with a common cap set at €75,000. The full amount is disbursed in one payment, once your file is approved and the agreement signed with the lending body.

This loan plays a key role in digital development by reducing the initial financial risk. It is repaid quarterly, at a fixed interest rate, with the option of a capital grace period during the first year. It can also be combined with many other support programs, offering added security for approved projects.

You can submit an application at any time, as long as the program is open and funds are available. Response times are generally quick ; you’ll usually receive feedback within a few weeks.

To maximize your chances, it’s important to prepare a complete file from the start, including a clear financing plan, a detailed quote, and a justification of your business-related needs.

Yes, the project must follow a coherent digitalization strategy such as server installation, system architecture upgrades, or automated management tools. Expenses must be clearly linked to professional use.

You also need to demonstrate a tangible impact on your productivity, communication, or internal organization. Light automation and connected tools are also considered eligible expenses.

Yes, and it’s actually highly recommended. Submitting an application without prior experience can lead to mistakes or delays. With a partner like Qreative, you’re guided through every step (from selecting expenses to the final submission) helping you reduce waiting times.

You’ll benefit from a human, clarity-driven approach, with dedicated support to properly submit your application and meet the requirements of the Digit Online Loan.

The program is designed to support solid projects, but that doesn’t mean a financially struggling company is automatically excluded. A personalized assessment is carried out by Wallonie Entreprendre, in collaboration with your bank, to evaluate your ability to carry out a digital project within a realistic and structured framework.

Depending on available capital, the production plan, or the requested amount, an insurance policy or online guarantee may be required. Once your application has been reviewed, a confirmation email will officially grant the loan. The application process remains smooth and straightforward, especially with our ongoing support.