Loan for working capital for entrepreneurs at the border (Tozo)

Are you an entrepreneur who lives over the border, has established a business in the Netherlands, and is having financial problems because of the COVID-19 pandemic? If so, you can apply for a loan for your working capital. However, you must meet certain conditions. 

This financial relief measure is part of the temporary benefit for self-employed persons (Tozo) measure. All entrepreneurs in the Netherlands who live abroad, whose company is located in the Netherlands, and who want to apply for a loan of working capital can submit their application on this page.

If you have any questions, please call or e-mail us!

If you have any questions, call +31 (0)43 350 60 30 or e-mail bedrijfskapitaalgrensondernemers [at] We are trying to answer everyone as quickly as possible.

Extension until 30 September 2021

Following on from Tozo 1 (until the end of May) and Tozo 2 (until 1 October 2020), Tozo 3 (until 1 april 2021), Tozo 4 until 1 July 2021), Tozo 5 is now available as of 1 July 2021 until 30 september 2021. For the working capital loan, the maximum amount of €10,157 applies to Tozo 1, 2, 3, 4 and 5 jointly.

Before you apply

Before you apply for the scheme, we strongly advise you to visit the Dutch government’s website (only available in Dutch) to see whether you are eligible for this scheme! 

What do you need to submit an application?

  • A DigiD or another means of logging in which is recognized in Europe.
  • A citizen service number (BSN)
  • A Dutch bank account number (IBAN)
  • A financial overview of the loss you have suffered as a consequence of the COVID-19 pandemic (preferably a liquidity forecast)


If you meet the conditions stated below, you – as an entrepreneur who lives outside the Netherlands but has their business in the Netherlands or vice versa – may apply for a loan to be used for your working capital.

  • You are 18 years or older.
  • You live in the EU, EEA of Switzerland.
  • You have a business in the Netherlands.
  • You meet the legal requirements for operating your own business, including being listed in the Commercial Register of the Chamber of Commerce, and your company was registered as of 17 March 2020.
  • You work at least 1,225 hours annually (23.5 hours per week) in your own business or self-employed profession.
  • We assume that you will fill in all information completely and truthfully. We will conduct spot checks to investigate whether the financial support has been rightfully provided.
  • From 1 June 2020: You have not applied for or received a suspension of payment or bankruptcy for you, your business, or one of the partners with whom you work. If this is the case, you will not be eligible for a loan for your working capital.

What does the support consist of?

You can apply for an interest-bearing loan of up to €10,157 for working capital to reduce your liquidity problems. The maximum of €10,157 applies for the Tozo 1, 2, 3 , 4 and 5 schemes jointly. The interest rate on this loan is 2%. The loan must be repaid over a period of at most 5 years. Repayment is only required from 1 January 2022.

We aim to process your application with four weeks. In any case, you will receive a message from us within eight weeks.

Postponement of repayment of working capital loan until 1 January 2022

Due to the continuing corona crisis, many independent entrepreneurs are unable to generate sufficient turnover. The repayment obligation on the working capital loan is therefore temporarily postponed until 1 January 2022. Self-employed persons who are able to repay their loan earlier than 1 January 2022 are free to do so. 

Who can apply?

Entrepreneurs who live abroad, have established their company in the Netherlands, and are suffering demonstrable financial loss due to the COVID-19 pandemic.

Support for living expenses

Entrepreneurs who live across the border and have established their business in the Netherlands are not eligible for support for living expenses in the Netherlands. For this support, they can apply to their country of residence. Agreements have been made at EU level that the country of residence is responsible for providing this support (also called social assistance). In Belgium, the Public Social Welfare Centre (OCMW) can provide more information about this; in Germany, please consult the JobCenter. In each country, certain conditions apply to the receipt of social assistance.

In Belgium, the regular (stricter) conditions for receiving subsistence income apply. Please note: this is the regular Belgian social assistance benefit and is not comparable with the Dutch Tozo in terms of the conditions that apply to it. In the assessment of applications for subsistence income, the country in which the business of Belgian residents is located plays no role. This means that applications from persons who live in Belgium and have their business across the border (for example, in the Netherlands) will be considered via the regular procedure. According to the rules in Germany, the country in which the business of residents is located plays no role; applications from entrepreneurs in the border region are handled via the regular procedure.

Residence in the Netherlands but company abroad

Entrepreneurs who live in the Netherlands with their business located across the border must appeal to the country in which their business is located for financial support for their business. In the Netherlands, they are only eligible for support for living expenses. This application must be made to the municipality where they reside.

Entrepreneurs who live in the municipalities of Beek, Brunssum, Gulpen-Wittem, Landgraaf, Maastricht, Meerssen, (formerly) Nuth, (formerly) Onderbanken, Simpelveld, Sittard-Geleen, Stein, Vaals, Valkenburg aan de Geul, and Voerendaal can apply for support for living expenses via this page.

From Tozo 5 onwards, the municipality of Eijsden-Margraten is responsible for processing Tozo applications in their municipality. See the SEM website for more information.

Warning for Tozo application intermediaries

Please note: There are companies that are offering to assist entrepreneurs with their application for the Temporary bridging measure for self-employed professionals (Tozo). This assistance is usually not free of charge and may have financial consequences. If you are an entrepreneur, you do not have to incur any extra costs. We are happy to help you with your application.

More information about doing business in the border region

You can find information about doing business in the border region on the website of the Cross Border Information Point (in Dutch and German only), on the Netherlands Chamber of Commerce’s website (in Dutch only), and on the website (also in German and French) of the Dutch Social Insurance Bank (SVB)

Click here for an overview of the most important regulations in the Netherlands, Belgium and Germany (only in Dutch).