Green cover

The Green Cover provides opportunities for Dutch entrepreneurs who want to invest in new green technologies or expand their production capacity for green capital goods or projects.

Green Cover helps you obtain financing for investments in developing or scaling up green capital assets, or realizing projects.

The Green Cover is for entrepreneurs who want to invest in new green technologies and anticipate the energy transition to maintain or expand their lead through innovation.

Many green technologies have yet to gain a foothold in the market, making it sometimes difficult to get such a green investment financed. This is when green cover offers opportunities.

With the Green Cover Investment Loan, you receive a loan insured by Atradius DSB from your bank that is required for an investment in greening one or more capital assets or for capacity expansion for making them.

Green cover investment loan

This product enables you as a company to take out a bank loan covered by Atradius DSB to facilitate investments in making one or more capital goods greener or to expand your manufacturing capacity for green products. Atradius DSB can provide export credit insurance for this capital good, but it is not compulsory. In other words, the two insurance products are unrelated but can be complementary and customized to your specific needs. This insurance product is unique for Atradius DSB because it is not tied to an export transaction between a Dutch company and a foreign party. It provides cover for a loan intended for investment by the Dutch company itself.

Assessment

To get a green investment proposal assessed by our underwriters, we require certain documentation such as a well-developed business plan. The business plan must include a description of the development goal, the steps (milestones) to be completed, the technical feasibility, the market potential in the home country and abroad, as well as a cash flow forecast followed by a payback schedule. In addition to the business plan, we also require two application forms found at the end of this page. One is for the bank providing the loan and the other is a questionnaire for the company regarding the green business plan.

After finalizing the steps mentioned above, our underwriters will carefully assess the business plan and the risks involved in the green investment proposal and make their decision accordingly. It is important to mention that external support may be required to assess certain parts of the application. This is especially if, for instance, your company operates in a sector or market that Atradius DSB is unfamiliar with, and in which we lack the internal resources or knowledge to assess the risk involved accurately. The Dutch State, as an insurer, will be looking to participate with your bank in collateral established for this investment loan. If necessary, additional collateral may be required, such as stock. If Atradius DSB assesses the investment risk positively, we can ensure the financier of your investment with our domestic financing insurance.

Structure

Once granted, you can withdraw the loan amount in multiple parts, based on the milestones structure outlined in the business plan. The repayment period starts once the product development or project is completed and depends on the business plan’s payback forecast. The lender of the investment loan is the insured. The lender is usually a bank, but in some instances, another financier acceptable to Atradius DSB can also be considered. As the (future) exporter, your company is the borrower under the Green Cover Investment Loan. Through Atradius DSB, the Dutch State covers the risk of payment default if the borrower fails to fulfil the repayment duties of all or part of the financing to the insured party.

To provide this facility to companies, we charge a policy premium. The premium may be passed on to the company by the bank or financier, but may also be paid from the loan. Note that insurance tax is not applicable to the Green Cover product.

Conditions

The conditions attached to this credit solution are:
available for Dutch companies only;
at least 20% of the investment loan is spent in the Netherlands. If this cannot be achieved, we will be happy to investigate whether an exception can be made;
the capital good or project for which the investment is intended must comply with the Atradius DSB Green Label;
it is forecasted that a part of these 'green' capital goods or services generated by the investment will be exported (>20%);
the insurance must comply with EU state aid rules. This means that:

the maximum covered percentage is 80;
the premium we charge is in line with the market;
the terms and repayment conditions of the loan are in line with the market;
the borrower (potential exporter) is in a financially healthy position at the moment of application and in the foreseeable future.

Dowload the documents for addtional information and to start your application

Contact

We can imagine that you have ideas of which you are not sure whether the Green Investment Loan can provide a solution. We cordially invite you to present your green transactions to our Business Development Team. Even if your transaction does not directly fit within the conditions described above, we are happy to engage with you to see what we can do for you.

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Product Overview

Green cover

Contact

Call 020 - 553 26 93 or email info.dsb@atradius.com

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