Energie Samen

The Realisatiefonds was established in 2021 as a nationwide joint venture between Energie Samen, SVn, and three major sustainable banks: Rabobank, Triodos, and ASN Bank. Because everyday citizens forming local cooperatives usually lack the commercial track record to walk into a standard bank branch and get a corporate loan, this fund steps in to provide accessible, streamlined debt financing specifically tailored to help communities build their own renewable energy sources.

Approved National Subsidy: The project must have already secured a valid national SCE (Subsidieregeling Coöperatieve Energieopwekking) or SDE++ subsidy slot, which serves as the financial backbone to prove the project will generate revenue. Dual-Entity Review: While SVn serves as the official fund manager that legally issues and administers the loan, Energie Samen acts as the mandatory advisor that guides the cooperative through the intake, builds the dossier, and checks technical feasibility before submission. Compliance: The cooperative must comply with Dutch financial regulations (Wft, Wwft, and AFM) and hold a valid Dutch business bank account (IBAN). No Penalty on Prepayments: Early repayment is penalty-free (boetevrij) up to 10% of the original principal sum per year.