Business Loan for self-employed people
Borrow money quickly for your business. No annual figures required, money in your account within 24 hours.
💰 Calculate Your Business Loan
Discover within 5 minutes how much you can borrow as a self-employed person
No annual figures required • Payment within 24 hours • No obligation
Instant Calculate →Best Business Loans for Self-Employed People
- ⚡ Money in account within 24 hours
- No annual figures required
- Apply in 5 minutes
- Duration up to 5 terms
- Ideal for bridging
- No BKR registration
- Instant clarity
- Microcredit specialist
- Also for starters
- Personal consultation
- Duration up to 10 years
- Social mission
- Coaching included
- Lead time 2-3 weeks
- No annual figures required
- Same day payment
- Looks at bank transactions
- Weekly repayment
- Recognized SME Financier
- Active for at least 12 months
- Minimum turnover €50,000/year
Please note: Borrowing money costs money
A business loan entails costs. Always compare multiple providers and look not only at the interest rate, but also at the total costs over the term. Only borrow what you actually need and make sure you can bear the monthly costs.
📋 Conditions ZZP Loan
Chamber of Commerce registration
Your company must be registered with the Chamber of Commerce
Active entrepreneurship
Active as an entrepreneur for at least 6-12 months (varies per provider)
Business Account
An active business bank account with transaction history
Dutch company
Your company must be located in the Netherlands
How does applying for a self-employed loan work?
To request
Complete the online form in 5 minutes with your details and desired loan amount
Judgement
The lender will assess your application based on your banking transactions
Offer
You will receive a non-binding offer with the conditions and monthly costs
Payout
After approval, the money will be deposited into your account within 24 hours
Business Loan as a Self-Employed Person: What Do You Need to Know?
As a self-employed person, you sometimes need extra capital for your business. Consider pre-financing a large order, purchasing tools or bridging a period with less income. A business loan can then offer a solution.
It used to be difficult to borrow money as a self-employed person. Banks asked for annual figures and guarantees that many self-employed people could not provide. Nowadays there are specialized lenders who look at your current turnover and bank transactions instead of historical figures.
Types of Business Loans for the Self-Employed
Microcredit (€500 - €5,000): Ideal for small bridges or the purchase of tools. Short term, quickly arranged. 5in5 specializes in this.
Business loan (€5,000 - €250,000): For larger investments such as a company car, renovation or stock. Duration often 1-5 years with fixed monthly costs.
Revolving credit: Flexible credit that you can take out when necessary. You only pay interest on the amount withdrawn.
Factoring: Sell your outstanding invoices for immediate cash. Useful for long customer payment terms.
Tips for Applying for a Self-Employed Loan
1. Compare multiple providers: Interest rates and conditions vary widely. Request a no-obligation quote from at least 2-3 parties.
2. Calculate the total costs: Don't just look at the interest, but at the total amount you repay, including all costs.
3. Don't borrow more than necessary: The more you borrow, the higher the costs. Determine exactly what you need.
4. Check the conditions: Can you make repayments without penalty? What happens in case of payment problems? Read the fine print.
Frequently Asked Questions - Self-Employed Loan
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