Note: borrowing money costs money · APR · security

Business finance: we refer you on

We insure; we do not provide finance and do not act as intermediaries for it either. Here you can read what to look out for in a finance proposal and which policies a lender requires.

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 financieren: wij verwijzen u door.

Ask us

We will take a look and refer you elsewhere where that is better.

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. Finance costs interest, commission and fees. For consumer credit these are summarised in the annual percentage rate (APR). That percentage makes proposals comparable with one another; the monthly payment does not, because it falls of its own accord as soon as the term is extended.

Finass Verzekert holds an AFM licence for non-life insurance. Credit falls under a different licence category. We do not provide finance, do not advise on it and do not act as an intermediary for it. You arrange that with a bank or a specialist lender, which carries out the assessment and the advice independently.

Note that the consumer protection in the Dutch Financial Supervision Act largely does not apply to business credit: there is no compulsory APR and no compulsory credit warning. So always ask for the the total cost of credit over the whole termyourself, expressed on an annual basis. If you sign in a private capacity as well, a BKR (the Dutch credit register) registration can follow.

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

Who does what?

How the roles are divided between our firm and the party providing the finance.

Different licence

What we do not do

We leave finance to parties set up for it.

No credit or leasing
No financing advice
No brokerage or application

Before you sign

What to look out for

The points that determine the price and the risk.

Total costs on an annual basis
Security and a personal guarantee
Termination rights and penalty-free repayment

Non-life insurance

What we do provide

The policies the lender almost always requires.

Buildings, business contents and stock
Business interruption after downtime
Liability and legal expenses

What is covered

Situation	At Finass Verzekert	With the licensed provider
Advice on the form of finance and the term	No	Yes
Assessment of figures, security and guarantees	No	Yes
Recording rights of pledge and mortgage	No	Yes
Buildings, business contents and stock insurance	Yes	No
Business interruption and liability insurance	Yes	No
Naming the lender as interested party on the policy	Yes	No

What is actually covered is set out in the policy conditions and the insurance card (verzekeringskaart) that you receive before you take out cover.

Where things go wrong in practice

Four points that make the difference between a workable and an expensive proposal.

Compare on an annual basis, not on the instalment

A lower instalment almost always means a longer term, and therefore more interest in total. For consumer credit the APR obliges providers to give one comparable figure; for business credit there is no such duty. So ask for the total cost of credit: the amount you have paid by the end of the term over and above what you drew, including arrangement fee, commitment fee and administration charges.

Security often reaches further than the asset

Lenders ask for right of pledge over business contents, stock and receivables, and for property a mortgage right. On top of that, managing directors and majority shareholders are often asked for a a personal guarantee . That guarantee puts your private assets on the line, even after you have sold the business, unless you are expressly released from it. Have those clauses reviewed by a lawyer before you sign.

The lender requires insurance, and checks it

Almost every finance agreement contains an obligation to keep the financed asset insured against fire and other covered perils, with the lender as interested party. If you cancel that policy or it lapses through arrears, you are in default under the credit agreement. Also report changes in use or purpose; the duty of disclosure in Article 7:928 of the Dutch Civil Code applies in full.

Assess the party, not just the offer

Besides banks there is a market of non-bank lenders. Check whether the party subscribes to a code of conduct or quality mark for small business finance and whether there is a complaints procedure. Be cautious with providers that ask for payment up front, do not want to see annual figures or claim that no assessment is needed. We do not recommend any particular party.

What to look out for when comparing

Total cost of credit — on an annual basis, not per instalment
Term — does it match the useful life of the asset
Security — pledge, mortgage, personal guarantee
Early repayment — penalty-free or with a charge
Cancellation terms — can the lender stop mid-term
Insurance requirement — which policies are required

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

How it works

You choose a lender yourselfA bank or a specialist party assesses your application independently.
You ask for the total costsAll costs over the whole term, converted to an annual basis.
You go through the securityRight of pledge, mortgage right, personal guarantee and termination rights.
We arrange the insuranceThe policies the lender requires, with the lender as interested party.

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

The questions we are asked most often about this.

Does Finass Verzekert provide or arrange business finance?

No. We advise and act as intermediaries solely in general insurance. Finance falls under a different licence category; we do not provide credit, do not submit applications and receive no fee for it. We do arrange the insurance a lender requires from you, and where necessary we have the lender named on the policy as interested party.

Does the APR also apply to business credit?

Not as a requirement. The annual percentage rate of charge is prescribed for consumer credit to consumers; for business finance a provider is not obliged to give it. So ask for all costs over the whole term yourself and convert them to an annual basis. Without that step you are comparing apples with pears, particularly where terms differ.

Is a business loan registered with the BKR?

For a private limited company, usually not. For a sole trader or a general partnership, or where you sign or give a guarantee in a private capacity, a registration can follow. Ask the provider in writing beforehand how it handles this; a registration carries through into later applications for a mortgage or consumer credit.

Which insurance does a lender usually require?

Almost always buildings insurance for property, and insurance of the financed asset against fire, storm and burglary. Business interruption, liability and sometimes goods in transit or machinery breakdown cover are often added. The lender wants to be named on the policy as interested party; we can have that recorded for you.

Finance arranged, insurance not yet?

We arrange the policies your lender requires and check the cover against 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 finance: we refer you on

Ask us

In brief

Who does what?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Compare on an annual basis, not on the instalment

Security often reaches further than the asset

The lender requires insurance, and checks it

Assess the party, not just the offer

What to look out for when comparing

How it works

Frequently asked questions

Read more

Similar pages

Service

Finance arranged, insurance not yet?

About our service

Business finance: we refer you on

Ask us

In brief

Who does what?

What we do not do

What to look out for

What we do provide

Where things go wrong in practice

Compare on an annual basis, not on the instalment

Security often reaches further than the asset

The lender requires insurance, and checks it

Assess the party, not just the offer

What to look out for when comparing

How it works

Frequently asked questions

Read more

Similar pages

Service

Finance arranged, insurance not yet?

About our service

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