Verschillende financieringsdoelen
Elk ondernemersverhaal is anders. Dat geldt ook voor de financiering.
Of je nu wilt investeren in groei, een tijdelijke periode wilt overbruggen of bestaande financiering wilt herstructureren, elke situatie vraagt om een andere aanpak. Bekijk hieronder de meest voorkomende financieringsdoelen en ontdek welke mogelijkheden bij jouw onderneming passen.
Welk financieringsdoel is voor jou relevant?
Hieronder hebben we de meest voorkomende financieringsdoelen voor je op een rij gezet.
Herken je jouw situatie? Bekijk dan welke mogelijkheden daarbij aansluiten.
Seizoen financiering
Machine-financiering
Inventaris financiering
Activa financiering
Aflossing financiering
Kosten financiering
Laat je onderneming groeien met Swishfund
Je merkt dat de juiste financiering ontbreekt: te weinig ruimte om te investeren, geld dat vastzit in de dagelijkse bedrijfsvoering of geen buffer om snel te kunnen schakelen.
Een kans doet zich voor, maar je hebt niet direct de middelen om erop in te spelen. Of je wilt juist een periode overbruggen zonder dat dit je bedrijfsvoering in de weg zit.
Met de juiste financiering achter de hand grijp je kansen wanneer ze zich voordoen, houd je grip op je bedrijfsvoering en bouw je verder aan de groei van je onderneming.
Swishfund financiert ondernemers met uiteenlopende doelen. Van groei en overbrugging tot herstructurering, met uitbetaling binnen 24 uur na akkoord.
Swishfund in cijfers
Wij willen ondernemers met ons digitale platform het meest aantrekkelijke alternatief bieden voor bedrijfsfinanciering op korte- en middellange termijn.
gefinancieerd
ondernemers
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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.