This is how borrowing from Swishfund works. You can’t produce without machines. How future-proof is your equipment?
We understand that you want to keep growing your business. That’s why we make taking out a business loan as simple as possible and provide clear information about our terms and rates. This way, you know exactly what you’re choosing.
Machine financing for entrepreneurs who want to innovate.
Machines are often the core of your business. Whether you produce, repair, or process: well-functioning equipment determines your output, quality, and delivery time. Machine financing helps you keep running, even when you want to innovate or expand.
Replace or upgrade
Outdated machines can cause malfunctions and lead to production losses. Timely replacement prevents downtime and unexpected costs.
Expand your range or set up a new production line
You’re getting more orders or want to offer an additional service. With new machines, you can deliver faster and respond better to customer demand.
Working more sustainably
Modern machines use less energy and fewer raw materials. That’s good for the environment and for your margins in the long term.
Second-hand or lease?
Not every entrepreneur chooses to buy new. In some cases, a used machine or a leasing solution can be a smart move, depending on your industry and budget.
Not an anonymous bank, but a personal approach.
At Swishfund, we understand that your business can only operate at its best with the right machines. With machine financing through Swishfund, you quickly gain extra room to invest. Without having to dip into your reserves.
This is how you quickly arrange your machine financing.
In een paar stappen staat het geld op je rekening!
Preparation
1
We aim to make business lending as easy, fast, and responsible as possible for entrepreneurs. Do you meet the requirements below? Then you can apply for a business loan with us.
- Your business is registered with the Chamber of Commerce (KvK)
- Your business has been operating for at least 1 year
- You have a business bank account
- Your annual turnover is at least €30,000
2
- Annual financial statements
- Overview of debts and loans
- Income tax return
- Copy of ID
Apply for a business loan
3
Doe vrijblijvend een online aanvraag en geef aan welk bedrag je nodig hebt. Via een eenmalige, beveiligde bankkoppeling krijgen we direct inzicht in je situatie. En kunnen we snel bepalen welke financiering bij jou past.
4
Based on your application, our system automatically calculates how much you can borrow. The amount depends on your needs and your financial capacity. We also perform an additional credit check to ensure the loan is responsible. Any remaining documents can be uploaded securely.
5
Is your application complete? Then we get started right away. You’ll quickly receive a tailored proposal. Do you agree?
- You sign the agreement digitally
- We carry out the final check
- The funds will be in your business account within 24 hours
This way, you’ll quickly have the financing you need to replenish or expand your inventory.
After the payout
6
We make repaying your loan as easy as possible with two options: daily automatic direct debit or automatic card-based repayments. In most cases, we use direct debit, but if you operate in hospitality or retail, card-based repayment is ideal. You then repay a fixed percentage of your card turnover—more on busy days, less on quiet days. This keeps everything clear and aligned with your revenue.
Want to make extra repayments? That’s always penalty-free at Swishfund.
You can focus on what you do best: driving your business forward.
Swishfund in cijfers
Wij willen ondernemers met ons digitale platform het meest aantrekkelijke alternatief bieden voor bedrijfsfinanciering op korte- en middellange termijn.
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We are happy to help you
Do you have questions or need assistance with your business loan application? Our expert team is here to help.
We’re available on weekdays from 9:00 a.m. to 5:30 p.m.
Want to know more?
We always need a transaction summary of your business bank account. How to download such an overview is explained here. We may need additional information about your company to determine your financial position. For example, with relatively large requests. This includes VAT returns, information about the debtor and creditor position and the financial statements.
We only provide to companies that are registered with the Chamber of Commerce (KvK) in the Netherlands with a business bank account. In addition, you must be economically active for at least one year and have a turnover of at least €50,000 in the past year.
Swishfund is a recognized SME financier that has been supporting entrepreneurs in the Netherlands since 2016 with fast and accessible business financing, combining the efficiency of fintech technology with personalized service.
We look at this per situation. We think it is important that you can afford the loan. Swishfund provides loans ranging from €3,000 to €500,000. We can calculate your credit space without obligation and free of charge.
Once your application is completed and reviewed positively, we will deposit the money into your business account within 24 hours.
During the application, you can specify the desired amount, the term and purpose of the loan. In addition, we always ask you to upload a transaction summary of your business bank account in the MT940 file format. You can easily download such an overview from your bank's online environment. After we have calculated your credit space, we will contact you for the next steps. Depending on the size of the request, we need a number of additional documents.
The cost of your loan consists of a one-off closing fee and a monthly interest. The amount of these costs is percentage and therefore depends on the loan amount. The standard closing fee is 2% with a minimum amount of €650. The monthly interest is determined based on your company's risk profile. You will receive a final proposal after reviewing your application. To give you a clear picture of the costs for business loans, we have drawn up two examples, showing the possible costs in a so-called UKO (Uniform Credit Overview). See examples here.