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When you are an entrepreneur, there are many reasons for which you have to take out a business loan. For example, if you want to get started, you need capital to get your business off the ground. But even if you have been an entrepreneur for a long time, there are various reasons for taking out a business credit . For example for purchasing inventories, keeping cash flow going or for making investments.
We are is an experienced financier for SMEs. We look at the form in which a loan suits your company best, but we dare to take more risks than the average financier. As a result, there are often more options than you may have in mind. In addition to financing, we are also specialized in debtor management .
If you are an entrepreneur with a minimum annual turnover of € 250,000, you can submit a financing application using the form on the right. You will usually be contacted within 48 hours about the possibilities.
Different types of loans
A loan for a company is called a business loan, business loan or a business loan. There is not one type of business loan , there are different types. It depends on your company and your goals which business loan best suits you, your business and your goals.
For example, there is a credit especially for starting entrepreneurs. This is called the start-up credit. This loan can be obtained from the UWV, but having a benefit is not necessary for this. There are two ways to take out this loan. In the first way, the UWV guarantees you. in this way you can request the credit from a bank. If this fails, but the UWV still wants to act as a guarantor for you, you can also obtain the loan from the UWV.
Factoring is another form of business loan that you could use. You hereby transfer (part of) your debtor management to an external party. This party is the factoring company. In exchange for a small amount, you will receive advance payment on your outstanding invoices. There are different variants within factoring. There is Reverse Factoring , American Factoring and Traditional Factoring . It is important that you familiarize yourself with the different forms, so that you know which form best suits you, your company and your plans.
In addition to the two options mentioned above, there is also the innovation credit, the seasonal credit, the investment credit and the sustainability credit. So there is enough choice from a business loan for your company, whether you are a starting entrepreneur or already have an existing company.
More information about financing
Apply for a business loan
No specific conditions apply to a business loan when it comes to what kind of entrepreneur you are or in which branch you work. Almost all entrepreneurs can take out a business loan as a result.
Reducing as much as possible the risk that the lender runs is the most important when applying for a business loan. So make sure you have a good idea of what you want to achieve with the money, what the forecast for the future is and what your turnover is. The lender must know what to expect. Therefore, make sure that you have done a market research and that you have written out your business plan well. Moreover, you can substantiate that you can repay the money. Figures are not a requirement in this way, which means that you may still be able to get a business loan.
When there are many requirements and conditions that you must meet, that is of course not pleasant. Moreover, this way you are more likely to get into trouble because you cannot see the forest for the trees and you do not know exactly what conditions you must adhere to. When everything is clear and transparent to you, you know what you have to meet. This way you know what you have to pay and when, so that the chance of payment arrears is nil. Moreover, clear agreements ensure that your lender also knows where he or she stands.
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Business loan costs
As with any loan, a business loan involves costs. The amount of these costs depends on what type of loan you take out, what your turnover is and of course how much you wish to borrow. Customization is used for this, meaning that things like the interest that you have to pay, how much you can borrow and in how many installments you have to repay cannot be said. You can calculate a business loan online. There is often a minimum amount to be borrowed. This is because the lender incurs costs to lend the money to you. These costs must of course be covered.
There is often also a maximum amount to be borrowed. This maximum depends on various factors. Also here is what kind of loan you want, how much you want to borrow and what your turnover is. The smaller the risk that the lender runs, the greater the chance of a loan.
When taking out a business credit, you must in any case take into account the following costs:
– Closing commission
This is the money that you must pay to your adviser or intermediary for taking out the loan
– Monthly interest
Interest is paid on every loan, including a business loan. How high the interest costs are depends on various factors. For example, the amount of your business loan, what the loan is and where you took out it. The interest is a payment for the provider of the loan for your company.
If you want the lowest possible interest rate, it is important to eliminate the risk for the lender as much as possible. If your figures and prognosis look good, you have a better chance of not just a business loan, but a business loan with the lowest possible interest rate.
In addition to the two aforementioned costs, you must also take into account the following costs: fixed interest premium, (extra) repayment of the loan and transfer of the loan.
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We can help you
If you are an entrepreneur with a minimum annual turnover of € 250,000 and with a financing requirement, you have come to the right place . We are an experienced financier for SMEs. We look at the form in which a loan suits your company best, but we dare to take more risks than the average financier. As a result, there are often more options than you may have in mind. In addition to financing, we are also specialized in debtor management.
If you want a financing, you can submit a financing application via the button below. When we have received this correctly and completely, you will usually be contacted within 48 hours about the possibilities.
We only provide business loans. Unfortunately, if you do not meet the sales requirement, we cannot help you further.