What we do not do
- No loan or revolving credit
- No credit advice
- No brokerage or application
A business loan as a self-employed professional: we refer you on
We insure; we do not lend and do not act as intermediaries for it either. Here you can read what a self-employed person should look out for in a business loan and which cover matters alongside it.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your activities
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Please note: borrowing money costs money. A loan costs interest, commission and fees. For consumer credit the annual percentage rate (APR) brings those together in one figure that makes offers comparable. The monthly payment does not, because it falls of its own accord with a longer term. For business credit an APR is not compulsory: ask for the total cost of credit.
Finass Verzekert holds an AFM licence for non-life insuranceyourself. Credit falls under a different licence category: we do not provide loans, do not advise on them and do not act as intermediaries for them.
For a self-employed professional one point is decisive: with a sole trader business or general partnership there is no separation between private and business. You are liable for the debt with your private assets, and business credit can end up in your personal BKR registration. That carries through into later applications, for instance for a mortgage.
Insurance never stands alone
A mortgage, loan or investment often touches your insurance too. We look at the bigger picture and point you to the right specialist whenever something falls outside insurance itself.
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Who does what?
How the roles are divided between our firm and the party providing the credit.
What to look out for
The points that determine the price and the risk.
- Total costs on an annual basis
- Registration in your name
- Penalty-free repayment and termination rights
What we do provide
The cover that matters alongside a loan.
- Professional indemnity and public and employers' liability
- Business contents, tools and vehicle
- Income in the event of disability
What is covered
| Situation | At Finass Verzekert | With the licensed provider |
|---|---|---|
| Advice on the type of loan, the term and repayment | No | Yes |
| Assessment of income, figures and security | No | Yes |
| BKR consultation and registration | No | Yes |
| Liability insurance for your work | Yes | No |
| Business contents, tools and company vehicle | Yes | No |
| Disability insurance (AOV) | 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.
What to look out for when comparing
- Total cost of credit: over the term, on an annual basis
- Term: does it match the investment
- Penalty-free repayment: room to manoeuvre with fluctuating turnover
- Registration in your name: consequences for later applications
- Legal form: sole trader, general partnership or private limited company
- The provider's licence: check the AFM register
This overview is general in nature and is not personal advice.
How it works
- You choose a provider yourselfCheck that party in the AFM register.
- You ask for the total costsAll costs over the term, converted to an annual basis.
- You ask how registration worksIn the name of the business or on your personal registration.
- We arrange the insuranceLiability, equipment, legal expenses and income.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
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.
Where things go wrong in practice
Four points that weigh more heavily for a sole trader than for a private limited company.
Private and business run together
With a sole trader business or general partnership there is no legal entity standing between you and the creditor. If the business cannot pay, the claim is enforced against your private assets, including savings and in principle the equity in your home. With a general partnership, joint and several liability for your partners' debts is added. Weigh that up before you sign.
Compare on the price of the credit
A lower instalment almost always means a longer term and therefore more interest in total. Ask for all costs over the whole term, including the arrangement and commitment fees, and convert them to annual basis. Also ask whether early repayment is possible without penalty. With fluctuating turnover that freedom is often worth more than a small difference in rate.
Your income is the security
A self-employed person rarely has many assets that can be pledged. The financier leans on your turnover and cash flow. If you are off work long term through illness or an accident, that cash flow stops while the repayments continue. There is no employer continuing to pay wages and health insurance does not pay an income. A disability insurance or another form of income protection is therefore not a side issue.
A liability claim hits the same assets
As a sole trader you also carry clients' claims yourself. A mistake in your work leads to pure financial loss, which ordinary public and employers' liability insurance does not cover; for that professional indemnity is needed. Make sure your business activity on the policy covers all the work you actually do, and note exclusions such as fines and redoing your own work.
Frequently asked questions
This is what people ask us most.
Does Finass Verzekert provide business loans to the self-employed?
No. Our AFM licence covers general insurance; credit falls under a different category. We do not provide loans, do not advise on them and do not act as intermediaries for them. We do arrange the insurance a self-employed person needs: liability, business contents and tools, company vehicle, legal expenses and income during disability.
Will a business loan appear on my BKR registration?
With a sole trader business or general partnership it can, because there is no separation between private and business. With a private limited company usually not, unless you co-sign or give a guarantee in a private capacity. Ask the provider in writing beforehand how it registers. A registration carries through into later applications for a mortgage or consumer credit.
Why does the term matter so much?
Because a longer term lowers the instalment but raises the total interest, and because you run the risk of still repaying something that has already been written off. Choose a term that matches the useful life of the investment and ask whether early repayment is possible without penalty. With fluctuating turnover that flexibility is often decisive.
What if I fall ill and cannot make the repayments?
The repayment obligation continues while your turnover stops. As a self-employed person you have no employer continuing to pay wages, and health insurance does not pay an income. Disability insurance or a comparable arrangement absorbs that. Note the waiting period, the end age and the definition of incapacity applied. Those determine what you actually receive.
Every situation is different. For these situations we have a separate page.
- Finance: we refer you onThe main page
- Business finance: we refer you onNote: borrowing money costs money, APR, security
- A business loan without a BKR (the Dutch credit register) checkNote: borrowing money costs money, BKR, licence
- A loan as a self-employed professional (zzp'er): we refer you onPlease note: borrowing money costs money, Private and business, BKR check
- Financing machinery: we refer you onNote: borrowing money costs money, leasing, machinery breakdown
- A free business loan: what is true about itPlease note: borrowing money costs money, Hidden costs, No offer
- Business services: financing and insurancePlease note: borrowing money costs money, cash flow, professional indemnity
- Refinancing a loan: we refer you onPlease note: borrowing money costs money, APR, Outstanding balance and term
- Personal loan: we refer you onPlease note: borrowing money costs money, Fixed interest, BKR check
Read more
Investment planned, cover not yet?
We look at liability, equipment and your income if you are unable to work.
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 compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.