When you take out a business loan, your company will receive a capital injection. This money offers you the opportunity to invest in your technological innovation, a new business premises or, for example, qualified personnel.

Types of business loans

You can take out a credit or business loan in various ways:

•     From the government
•     At the bank
•     Through crowdfunding
•     Via investors

1. The innovation credit

With the innovation credit, the Ministry of Economic Affairs and Climate contributes to the innovative power and sustainable growth of the Dutch economy. The innovation credit is a risk-bearing credit on which interest is calculated.

If you cannot provide the bank with enough security to be able to borrow money, the Ministry of Economic Affairs and Climate can partially guarantee your company. The Guarantee SME loans increases the collateral and therefore also the financeability of the company.

2. Early phase financing

Thanks to Early Phase financing you will receive a loan for a renewal phase process. In this way, the government prevents valuable ideas for innovative products or services from ending up in the development phase and never reaching the market.

3. Borrow from a bank

You can also take out a business loan from a bank. Large banks in the Netherlands offer different types of loans, but there are of course many requirements. For example, a business plan and an overview of financial figures are expected. We work with various banks and can advise and assist you in this process.

4. Crowdfunding

With crowdfunding, a large group of people, the crowd, invests a relatively small amount in your crowdfunding project. Crowdfunding offers many benefits. The marketing around crowdfunding ensures brand awareness, the investors serve as ambassadors for your product or project, and thanks to the crowdfunding campaign, you can test whether the world is ready for your product or service.

5. Investors

One or more investors can offer a solution when you have a financing requirement. The great thing is that besides financing, an investor also brings knowledge, experience and a network.

Conditions

The conditions attached to a business loan or credit differ depending on the provider. This depends, for example, on the life phase of a company, the amount that you would like to borrow, and your equity. You will understand that the provider of your loan wants to run the least possible risk.

Start-ups

Risk is an important reason why banks in particular are not eager to provide a loan to start-up companies. This is why in many cases it is more difficult for start-ups to obtain financing than for more established companies. Yet it is not impossible. We are happy to look into the possibilities with you.

SMEs and scale-ups

This is different for small and medium-sized businesses and scale-ups. The risk is not as high and therefore the threshold for bank financing is lower than for start-ups and start-ups.