Please note: borrowing money costs money · Security · Total cost of credit

Business credit: we refer you on

We provide insurance. We do not provide finance and do not broker it. Here you can read what to look out for with business credit, and which part of your file we do handle.

several insurers compared objectively
9.5 customer rating for a new policy
AFM licence 12016589
Personal 072 - 509 24 56, weekdays 9–17

Deze pagina in het Nederlands: Zakelijk krediet: wij verwijzen u door.

The calculator and the quote form below are in Dutch. Prefer to do this in English? Email info@finassverzekert. nl or call 072 - 509 24 56 and we will take it from there.

We compare the offerings of several insurers
An adviser checks whether the cover suits your activities
We arrange the switch, including cancellation

Get in touch

A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.

In brief

Please note: borrowing money costs money. Business credit takes many forms: an overdraft facility for working capital, a loan for an investment, leasing of business assets or factoring of your receivables. Each form has its own price and its own security requirements.

For consumer credit the annual percentage rate (APR) is required by law and makes offers comparable. The monthly payment does not. For business credit that requirement does not always apply. So ask expressly for the effective rate per year and for all additional costs, including the arrangement fee and management charge.

Finass Verzekert advises on and arranges non-life insurance under AFM licence 12016589. Finance falls under other licence categories. We refer you elsewhere for that. What we do is insure the risks your lender often requires as a condition.

Cover
Points to note
What to look out for
Frequently asked questions
Contact

Who does what with business credit?

The division of roles between us and the firm financing your business.

No licence

What we do not do

We leave advice and broking on finance to authorised firms.

No credit advice
No credit assessment
A referral instead

Before you sign

What to look out for

The conditions that determine your room for manoeuvre.

Total cost of credit
Security and guarantees
Covenants

Business policies

What we do provide

The insurance part of your business file.

Liability
Building and business contents
Business interruption

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on the type of credit, the term and the security	No	Yes
Assessment of annual figures and forecasts	No	Yes
Recording a pledge or a personal guarantee	No	Yes
Insuring the building, business contents and stock	Yes	No
Public and employers' liability and business interruption	Yes	No
A policy the lender requires as a condition	Yes	No

What is actually covered, including exclusions, limits and the excess, is set out in the policy conditions and the insurer's insurance card (verzekeringskaart).

Where things go wrong in practice

Four points on which business owners are caught out with finance.

Business credit has less statutory protection

The rules on credit information, the APR and assessment are written for consumers. For purely business finance they largely do not apply. So ask yourself for a full cost overview: interest, arrangement fee, management costs, early repayment costs and what happens if you miss an instalment. Set those documents side by side before you sign.

A guarantee reaches your private assets

Lenders often ask for a a personal guarantee or joint and several liability of the director and major shareholder. With a sole trader or a partnership your private assets are liable in any event. Read exactly what the guarantee covers and whether it lapses once the credit is repaid. That is not a given.

The lender requires insurance, but does not read the policy

The credit agreement usually states that the buildings, contents and sometimes business interruption must be insured, with the lender as beneficiary. Whether the sums insured are correct remains your responsibility. If they are too low, underinsurance follows and losses are paid proportionately. Also disclose changes in activities. The duty of disclosure of 7:928 DCC applies in full.

Our role is limited and we say so

We do not provide credit, do not broker it and recommend no lender. Where we refer you to an external party, a fee may be payable for that. You are free to choose for yourself. For your business insurance we are indeed your adviser.

What to look out for when comparing

Effective rate per year: ask for it, because with business credit the APR is not always compulsory
Total cost of credit: interest plus arrangement fee, management costs and administration costs together
Security: a pledge over stock and receivables, a mortgage right or a personal guarantee
Penalty-free repayment: ask in advance what early repayment or refinancing costs
Conditions during the term: agreements about figures, ratios and information duties can limit your room for manoeuvre
Licence and membership: check the provider and the adviser in the AFM register and with a disputes body

This overview is general in nature and is not personal advice.

How it works

You decide what finance you needWorking capital, an investment or coping with seasonal peaks each call for a different form.
You request full quotationsInterest, costs, security and conditions during the term on paper, from several providers.
A licence holder assessesThat firm reviews your figures and records the security.
We insure the risksWe align liability, buildings, contents and business interruption cover with your agreement.

Get in touch

9.5New policy

9.8Claims handling

Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.

View the reviews at NH1816 · all reviews on our site

Frequently asked questions

This is what people ask us most.

Does Finass Verzekert arrange business finance?

No. Our AFM licence covers general insurance; finance falls under other licence categories. We refer you to firms registered for it. What we do alongside the finance is the insurance part: liability, buildings, contents, stock, business interruption and the vehicle fleet, including the policy your lender requires.

Does the annual percentage rate also apply to business credit?

Not always. The statutory APR requirement is written for consumer credit. For business finance you have to ask for the effective rate per year and the additional costs yourself. Do that in the same way with every provider, otherwise you are comparing offers that are not comparable and choosing on the monthly payment.

Is my business application checked against the BKR?

Licensed providers consult the BKR for credit from 250 euros with a term longer than one month. For purely business finance the lender's own assessment weighs most heavily: annual figures, forecasts, security and your payment record. With a sole trader or a partnership, lenders usually also look at your private situation.

Why does my lender require particular insurance?

Because the security and the continuity of your business form its security. If the premises burn down or production stops, the source of repayment disappears while the debt remains. That is why almost every agreement contains an insurance obligation, often with the lender as beneficiary on the policy.

What happens if I cannot pay an instalment?

Tell the lender yourself and in good time. It can usually consider a deferral or an adjusted schedule with you. If you wait until the loan is called in, it can enforce its security and, where there is a guarantee, reach your private assets as well. Record every agreement in writing, even one made by telephone.

Your business risks with us?

We compare several insurers on premium and conditions and check whether the cover fits your activities.

Get in touch

Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.

About our service

Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.

You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.

This page was written and checked by an adviser at Finass Verzekert. Last updated on 15 August 2026.

The information on this page is general in nature and is not personal advice.

Business credit: we refer you on

In brief

Who does what with business credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Business credit has less statutory protection

A guarantee reaches your private assets

The lender requires insurance, but does not read the policy

Our role is limited and we say so

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Service

Your business risks with us?

About our service

Business credit: we refer you on

In brief

Who does what with business credit?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Business credit has less statutory protection

A guarantee reaches your private assets

The lender requires insurance, but does not read the policy

Our role is limited and we say so

What to look out for when comparing

How it works

Frequently asked questions

Read more

Within Financiering

Similar pages

Service

Your business risks with us?

About our service

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