Companies established in the Netherlands developing new products/processes/services (technical) or drugs/medical devices (clinical) with considerable technological risk and clear market perspective. Minimum project size €150,000.

What burden and restrictions apply?

Borrowers report technical and financial progress, draw against approved costs and repay principal plus interest if successful; technical failure may reduce repayment under the agreement. Support is restricted to the approved work plan, eligible costs and award period; unsupported, unrelated, double-funded or noncompliant expenditure is excluded.

Innovatiekrediet (Innovation Credit) — RVO

Repayable innovation credit up to EUR 10 million for technical projects or EUR 5 million for clinical projects, financing 25%-45% of eligible project costs. · Netherlands Enterprise Agency (RVO), Ministry of Economic Affairs — Netherlands · rolling applications

A repayable, risk-sharing development loan from RVO for Dutch companies undertaking technically or clinically risky innovation projects with strong market potential. If the project fails technically, part of the loan may be waived; it does not dilute equity. Current lifecycle: open; next verified deadline 2026-12-31. Real economics: Repayable innovation credit up to EUR 10 million for technical projects or EUR 5 million for clinical projects, financing 25%-45% of eligible project costs..

Tier 2 · ranked #30netherlandsinnovation-loanrvodeep-tech

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Key facts

Funder	Netherlands Enterprise Agency (RVO), Ministry of Economic Affairs — Netherlands
Amount	Repayable innovation credit up to EUR 10 million for technical projects or EUR 5 million for clinical projects, financing 25%-45% of eligible project costs.
Deadline	Rolling — apply anytime
Decision time	RVO assesses technical risk, market perspective, financing and repayment capacity after a complete rolling submission; no binding universal service time is published.
Eligibility	Companies established in the Netherlands developing new products/processes/services (technical) or drugs/medical devices (clinical) with considerable technological risk and clear market perspective. Minimum project size €150,000.
Restrictions	Borrowers report technical and financial progress, draw against approved costs and repay principal plus interest if successful; technical failure may reduce repayment under the agreement. Support is restricted to the approved work plan, eligible costs and award period; unsupported, unrelated, double-funded or noncompliant expenditure is excluded.
Status	open

Always confirm on the official page before applying — dates and terms change.

Application process

Check eligibility and minimum project size (€150k)
Prepare project plan (technical/clinical development + market case) and financial plan
Submit the application to RVO (open 1 Jan–31 Dec 2026)
RVO assessment of technical risk and market perspective
Loan offer and phased disbursement

Background

Netherlands Enterprise Agency (RVO), Ministry of Economic Affairs — Netherlands operates Innovatiekrediet (Innovation Credit) — RVO. This pass separates direct cash, repayable finance, credits, incentives and umbrella programs so later ranking does not compare unlike instruments. The official 2026 budget is EUR 50 million. The instrument risk-shares technically or clinically uncertain projects without taking equity. It offers up to EUR 10 million for technical development.

How the application really works

Check eligibility and minimum project size (€150k) → Prepare project plan (technical/clinical development + market case) and financial plan → Submit the application to RVO (open 1 Jan–31 Dec 2026) → RVO assessment of technical risk and market perspective → Loan offer and phased disbursement

Tips

Show direct fit with high-risk technical innovation.
Show direct fit with drugs.
Show direct fit with medical devices.
Show direct fit with new products, processes and services.

Watch out for

Current lifecycle is open.
Borrowers report technical and financial progress, draw against approved costs and repay principal plus interest if successful; technical failure may reduce repayment under the agreement.
Support is restricted to the approved work plan, eligible costs and award period; unsupported, unrelated, double-funded or noncompliant expenditure is excluded.

Track record

The official 2026 budget is EUR 50 million.
The instrument risk-shares technically or clinically uncertain projects without taking equity.
It offers up to EUR 10 million for technical development.

The reviewed official corpus does not publish an applicant denominator and comparable selection rate.

Frequently asked questions

Is this actionable now?: open. Next verified deadline: 2026-12-31.
What is the real economic value?: Repayable innovation credit up to EUR 10 million for technical projects or EUR 5 million for clinical projects, financing 25%-45% of eligible project costs.
Who is eligible?: Companies established in the Netherlands developing new products/processes/services (technical) or drugs/medical devices (clinical) with considerable technological risk and clear market perspective. Minimum project size €150,000.
How does selection work?: Check eligibility and minimum project size (€150k); Prepare project plan (technical/clinical development + market case) and financial plan; Submit the application to RVO (open 1 Jan–31 Dec 2026); RVO assessment of technical risk and market perspective; Loan offer and phased disbursement. RVO assesses technical risk, market perspective, financing and repayment capacity after a complete rolling submission; no binding universal service time is published.
What burden and restrictions apply?: Borrowers report technical and financial progress, draw against approved costs and repay principal plus interest if successful; technical failure may reduce repayment under the agreement. Support is restricted to the approved work plan, eligible costs and award period; unsupported, unrelated, double-funded or noncompliant expenditure is excluded.
What evidence exists?: The official 2026 budget is EUR 50 million. The instrument risk-shares technically or clinically uncertain projects without taking equity. It offers up to EUR 10 million for technical development. The reviewed official corpus does not publish an applicant denominator and comparable selection rate.

Sources

english.rvo.nl/subsidies-financing/innovation-credit — Official 2026 window, budget and instrument overview (checked 2026-08-10)
english.rvo.nl/subsidies-financing/innovation-credit/conditions — Official eligibility, project size, financing rates and repayment conditions (checked 2026-08-10)