No stock, no business. Do you have enough inventory?
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.
Debiteurenfinanciering voor ondernemers die tempo willen houden
With Swishfund’s inventory financing, you immediately have the financial flexibility to purchase stock, without putting pressure on your cash flow. 40% of our customers use their loan for inventory. Why?
Because inventory = revenue.
Openstaande facturen stapelen zich op
You run a clothing store and know your fall collection always performs well. By ordering early, you benefit from extra supplier discounts. With a Swishfund business loan, you can finance your inventory in advance and repay it as soon as sales take off.
Je leverancierskrediet staat op het spel
Your online store sells home accessories. One product suddenly goes viral on TikTok. You need to restock fast before the momentum is gone. With a flexible credit line, you immediately have the capital to act.
Je laat betalingskorting liggen
A wholesaler offers a 15% discount for payment within 7 days. With inventory financing, you can pay right away and spread the repayment over time.
Jij wacht op klanten, je leveranciers wachten op jou
With a revolving credit line from Swishfund, you can maintain a stable inventory buffer, so you’re always ready to deliver.
Je kunt boetevrij aflossen na 25% van de looptijd.
Een bank financiert niet altijd een voertuig
Je bent niet de enige ondernemer die leveranciers moet betalen terwijl hij zelf nog op klanten wacht. Die keten is zo oud als het MKB.
Swishfund is geschikt voor een tijdelijk gat, niet voor langdurige achterstanden
Leveranciers niet op tijd kunnen betalen voelt voor veel ondernemers ongemakkelijk. Soms zelfs als falen.
Maar vaak is het geen winstprobleem. Het is een timingprobleem. Je geld komt eraan, alleen niet op het moment dat je leveranciers betaald moeten worden.
Wanneer helpt Swishfund niet?
Openstaande leveranciersrekeningen van jaren terug vragen om een andere aanpak dan een kortlopende lening.
Als een groot deel van je openstaande crediteurenfacturen al jaren oud is, kan dat wijzen op een structureel cashflowprobleem. Swishfund is geschikt voor een tijdelijk gat, niet voor het herstructureren van langdurige betalingsachterstanden.
Wanneer werkt Swishfund echt voor jou?
- Je een tijdelijk cashflowgat hebt door trage debiteuren en snel je leveranciers wilt betalen om de relatie en het krediet te beschermen.
- Swishfund betaalt uit binnen 24 uur na akkoord, vraagt geen onderpand en biedt persoonlijk contact met een accountmanager.
- Je al jaren achterstanden hebt bij leveranciers.
- Dan is een gesprek met een financieel adviseur over herstructurering waarschijnlijk verstandiger. Swishfund denkt graag mee, maar is eerlijk als we niet de juiste oplossing zijn.
How to arrange your inventory financing quickly
Get the funds in your account in just a few steps!
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.
Requirements:
- Your business is registered with the Chamber of Commerce
- Your business has been operating for at least 1 year
- You have a business bank account
- Your annual revenue is at least €30,000
2
- Annual financial statements, overview of debts and loans
- Income tax return
- Copy of ID
Apply for a loan
3
Submit a free, no-obligation online application and tell us how much you need. With a one-time, secure bank connection, we instantly gain insight into your situation, so we can quickly find the financing that fits you best.
4
Our system automatically calculates how much you can borrow based on your application. The amount depends on your needs and your available financial capacity. We perform an extra credit check to make sure your loan is responsible. Any remaining documents can be securely uploaded through our protected platform.
5
Is your application complete? Then we’ll get started right away. You’ll quickly receive a personalized offer. Do you agree?
- You sign the agreement digitally
- We perform the final check
- The funds will be in your business account within 24 hours
This way, you’ll have fast access to the financing you need to maintain or expand your inventory.
After the funds are paid out
6
We make repayment simple with two flexible options: daily direct debit or automatic deductions from your card sales. For most businesses, direct debit works best. But if you’re in hospitality or retail, card-based repayment is ideal. You repay a fixed percentage of your card revenue. More on busy days, less on slow days.
That way, repayments stay manageable and in line with your cash flow. And if you want to repay extra? That’s always penalty-free at Swishfund.
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 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.