CarbonFix BV offers start-ups 0% interest bearing loans of €50k to €250k per project which will not convert into equity (so called non-dilutive instruments). These loans carry no interest and are fully subordinated to all other creditors. If the start-up becomes profitable in the (far) future, the interest rate will swap from 0% to a market rate (Euribor) plus 600 basispoints from that moment onwards.