“I'm not someone who wants to wait months for funding. At Swishfund, everything was arranged quickly, which gave me peace and space to get back to doing business.”
Bakkerij Toos
Toos is the face behind Bakkerij Toos (Toos Bakery), a popular neighborhood bakery where customers come not only for fresh bread and pastries, but also for the friendly chat and personal atmosphere. Toos started doing business early on: from a hair salon and model agency to eventually her own bakery. After fourteen years of paid employment, entrepreneurial blood started to itch again. When a friend asked her to start a bakery together, she decided to go for it, with full conviction.
The challenge
The first few years as an entrepreneur were intense. “Work hard and decipher yourself,” says Toos. “The bakery grew, but a lot also came at me: staff, taxes, unexpected costs. And during corona, it all became even harder.” When her partner decided to quit, Toos had to take over her share. At the same time, she wanted to renew the terrace and make much-needed investments, such as a new dishwasher and cake cooling. However, the bank proved to be unflexible: long waiting times, a lot of paperwork and little understanding of its situation. “I didn't have time to wait for months. In a bakery, you have to go on every day.”
The objectives
Toos especially wanted peace and stability create in her company. The takeover of her partner had to go smoothly, the store had to be able to keep running and overdue accounts had to be eliminated.
In addition, she wanted to keep investing in quality and convenience; for herself, her team and her customers. “I just wanted to enjoy my business again, without constant financial stress.”
Through her accountant, Toos came into contact with Swishfund. “He had good experiences with Swishfund and actually arranged everything for me,” she says. The request went smoothly: no endless forms or waiting times, but immediate clarity and human contact.
“Willem from Swishfund called me personally, the contact is very positive and they really think along with you. Within a short time, everything was done.”
With the financing, Toos was able to buy out her partner, renew the terrace and purchase necessary equipment. That gave her air and trust to look ahead again.
“The Swishfund loan gave me a little more peace of mind. We were able to take a breath, and that felt so good.”
Today, Toos runs her bakery with pride and passion. She enjoys the contact with her customers and the friendships that have developed as a result. And she is clear about the future: “My dream is to quit at 63 and move with my husband to Spain somewhere on the coast. But until then, I'll keep baking with love.”
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