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Written by Bram van der Veldt on . Posted in Uncategorized.

Self-employed loan

Financing for self-employed professionals

It is certainly possible to obtain financing as a self-employed professional. Specialized financiers assess primarily based on turnover and cash flow, not just on annual figures.

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Compare independentlyRecognized providersFree consultation
Financing for self-employed professionals
Compare independently
Also non-bank financiers
Free consultation
Reviews 9.5 / 9.8

Financing as a self-employed person

Self-employed professionals and small businesses frequently miss out at banks: the amounts are too small and the assessment process too cumbersome. Specialized financiers have specifically targeted this group.

They often look at your revenue pattern and cash flow from the past period, sometimes via a link to your accounting or bank account. This allows them to make decisions faster, at a rate commensurate with the risk.

Self-employed loan

More about self-employed loan

What amount, for what purpose, and over what period?

Determine your needs
What amount, for what purpose, and over what period?
Compare lenders
Bank of gespecialiseerde partij — criteria en tarieven verschillen.
Application via the financier
You submit your figures. Assessment and processing are handled by them.

What is taken into account?

Often more important than just the annual figures, especially for shorter financing periods.

Revenue and cash flow

Often more important than just the annual figures, especially for shorter financing periods.

How long you have existed

Start-ups are assessed more strictly than established self-employed professionals.

Amount and term

Smaller amounts with shorter maturities are generally easier to obtain.

Guarantees

For smaller amounts, a personal guarantee is often required.

Goal

A concrete investment is assessed differently from general liquidity.

Private situation

For self-employed professionals, private and business matters often weigh together in the assessment.

What do you look out for?

✓At a personal guarantee are you personally liable. Weigh that carefully.
✓Compare the total financing costs, not only the interest rate.
✓Ensure that your administration in order is; that significantly speeds up the assessment.
✓Vote the duration based on the goal — financier geen langlopende investering met kortlopend krediet.
✓Assess whether the monthly payment suits a weaker month.

Frequently asked questions about the self-employed loan

Can I borrow for business purposes as a self-employed person?
Yes. There are financiers who specifically target self-employed individuals and small businesses. They often assess based on revenue and cash flow.
How many years must I have existed?
That varies by lender. Some parties provide financing for a limited period, provided your revenue pattern is stable.
Do I have to act as guarantor personally?
This is frequently requested by smaller businesses. You are then personally liable if the company fails to meet its obligations.
What information do I need?
Typically, recent figures or bank transactions, an explanation of the purpose, and details of current liabilities. Some financiers link directly to your accounting records.
Is a self-employed loan more expensive than a bank loan?
Often yes, because specialized financiers accept a higher risk. In return, this is offset by faster and more accessible assessment.
Does a business loan count towards my mortgage?
Business obligations can be a factor in a mortgage application, especially for a sole proprietorship. Therefore, declare them.
Self-employed loan

Compare self-employed loans via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf Bee welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about self-employed loan

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Snel inzicht in welke financieringsvormen Bee mijn investering passen.”

F
Finn E.
Investment lease

“Het verschil tussen financial en Operational lease werd eindelijk eens helder uitgelegd.”

A
Annemieke R.
financial lease

“Handig overzicht van aanbieders voor Working capital, inclusief wat ze aan cijfers vragen.”

V
Veerle I.
Working capital

“Als ondernemer scheelde dit veel uitzoekwerk. Alles stond Bee elkaar.”

R
Rosemary W.
Business credit

More about business

View the other sections within Business.

Business financing →

Financing for growth, working capital, machinery, or your fleet.

Business loan →

Financing for growth, inventory, machinery, or working capital.

Working capital →

Bridge the period between purchase and payment by your customers.

factoring →

Sell ​​your outstanding invoices and receive the amount immediately instead of after the payment term.

financial lease →

Finance a business asset and become the economic owner.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with this.

Bedrijfsaansprakelijkheid →

Damage caused by your company to third parties.

Bedrijfsschadeverzekering →

Compensate for revenue loss when your business is idle.

Inventarisverzekering →

Coverage for your financed inventory and machinery.

Compare financing for freelancers

With our partner, you can see which financiers focus on self-employed professionals.

Read more …Self-employed loan

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Written by Bram van der Veldt on . Posted in Uncategorized.

Machine financing

Machines finance

Finance machines, installations, and equipment using the machine itself as collateral. Align the term with the economic lifespan.

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Compare independentlyRecognized providersFree consultation
Financing machines
Compare independently
Also non-bank financiers
Free consultation
Reviews 9.5 / 9.8

How do you finance a machine?

You typically finance a machine with an investment loan or via a financial lease. In both cases, the machine itself serves as collateral, meaning that additional collateral can often remain limited.

The term is important: you align it with the economic lifespan of the machine. If you finance for a shorter period, the costs weigh heavily. If you finance for a longer period, you are still paying off a machine that has already been replaced.

machine financing

More about Machine financing

What amount, for what purpose, and over what period?

Determine your needs
What amount, for what purpose, and over what period?
Compare lenders
Bank of gespecialiseerde partij — criteria en tarieven verschillen.
Application via the financier
You submit your figures. Assessment and processing are handled by them.

What does it depend on?

A machine with a good second-hand market is easier to finance.

Machine type

A machine with a good second-hand market is easier to finance.

Economic lifespan

Determines the maximum term of the financing.

New or used

Used machines are assessed more strictly and financed for a shorter period.

financial lease

The machine as security; you become the economic owner and can depreciate it.

Investment loan

A regular loan with the machine as collateral.

Investment deduction

You may be able to claim a tax benefit. Consult your accountant.

What do you look out for?

✓Vote the term based on the economic lifespan of the machine.
✓Calculate the installation and connection costs included in the financing amount.
✓Ask for the requested deposit; this varies per financier.
✓Ask your accountant about investment deduction and depreciation.
✓Verzeker de machine — denk aan machine breakdown and business interruption in the event of failure.

Frequently asked questions about machine financing

How do I finance a machine?
Typically via an investment loan or financial lease. In both cases, the machine itself serves as collateral.
What term is sensible?
Align this with the economic lifespan of the machine. This prevents you from still making payments on equipment that already needs to be replaced.
Can I finance a used machine?
That is possible, but financiers assess used machines more strictly and generally apply a shorter term and a higher down payment.
Is there a tax benefit?
With financial lease and purchase, you can generally depreciate and possibly apply investment deduction. Discuss this with your accountant.
Do I need to provide additional guarantees?
Because the machine itself serves as security, this is often only minimally necessary. For smaller businesses, a suretyship is sometimes required.
Do I need to insure the machine?
That is sensible and often required by the financing. Also consider machine breakdown coverage and business interruption coverage in the event of downtime.
machine financing

Compare machine financing via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf Bee welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Machine financing

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Snel inzicht in welke financieringsvormen Bee mijn investering passen.”

S
Sem G.
Investment lease

“Het verschil tussen financial en Operational lease werd eindelijk eens helder uitgelegd.”

R
Rose S.
financial lease

“Handig overzicht van aanbieders voor Working capital, inclusief wat ze aan cijfers vragen.”

C
Charlotte G.
Working capital

“Als ondernemer scheelde dit veel uitzoekwerk. Alles stond Bee elkaar.”

D
Diederik N.
Business credit

More about business

View the other sections within Business.

Business financing →

Financing for growth, working capital, machinery, or your fleet.

Business loan →

Financing for growth, inventory, machinery, or working capital.

Working capital →

Bridge the period between purchase and payment by your customers.

factoring →

Sell ​​your outstanding invoices and receive the amount immediately instead of after the payment term.

financial lease →

Finance a business asset and become the economic owner.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with this.

Bedrijfsaansprakelijkheid →

Damage caused by your company to third parties.

Bedrijfsschadeverzekering →

Compensate for revenue loss when your business is idle.

Inventarisverzekering →

Coverage for your financed inventory and machinery.

Compare lenders

With our partner, you can see which financiers finance machines and installations.

Read more …Machine financing

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Written by Bram van der Veldt on . Posted in Uncategorized.

financial lease

Financial lease

Finance a business asset and become the economic owner. The asset serves as security, meaning additional collateral is often unnecessary.

Compare lenders →
Compare independentlyRecognized providersFree consultation
financial lease
Compare independently
Also non-bank financiers
Free consultation
Reviews 9.5 / 9.8

What is financial lease?

Bij financial lease financiert u een bedrijfsmiddel — een bestelbus, machine of installatie — en wordt u economisch eigenaar. Het object staat op uw balans en u kunt doorgaans afschrijven en Investment deduction toepassen.

Because the object itself serves as security, additional securities are often not required or are required to a limited extent. At the end of the term, after the final installment, you also become the legal owner.

financial lease

More about Financial lease

What amount, for what purpose, and over what period?

Determine your needs
What amount, for what purpose, and over what period?
Compare lenders
Bank of gespecialiseerde partij — criteria en tarieven verschillen.
Application via the financier
You submit your figures. Assessment and processing are handled by them.

Financial or operational lease?

You become the economic owner; the asset appears on your balance sheet. You depreciate it yourself.

financial lease

You become the economic owner; the asset appears on your balance sheet. You depreciate it yourself.

Operational lease

You are essentially renting; the asset remains off your balance sheet and maintenance is often included in the rate.

Property

With a financial lease, you become the legal owner after the last installment.

Tax

With a financial lease, you can generally depreciate and apply investment deductions. (check)

Maintenance

With a financial lease, that is at your expense; with an operational lease, it is often included.

deposit

With a financial lease, a down payment is often required.

What do you look out for?

✓Vote the term based on the economic lifespan of the object.
✓Ask for the requested deposit; this varies significantly by financier.
✓Check the tax consequences met uw boekhouder — afschrijving en Investment deduction.
✓Calculate maintenance and insurance included; with a financial lease, these are at your expense.
✓Compare the total lease costs with a regular business loan.

Frequently asked questions about financial lease

What is the difference between financial and operational lease?
With a financial lease, you become the economic owner and the asset appears on your balance sheet. With an operational lease, you are essentially renting, and the asset remains off your balance sheet, with maintenance often included.
Will I become the owner of the object?
With a financial lease, you become the legal owner after payment of the final installment. During the term, you are already the economic owner.
Can I depreciate a financial lease?
Because the asset is on your balance sheet, you can generally depreciate it and possibly apply investment deductions. Discuss this with your bookkeeper.
Is a deposit required?
Financiers often require a down payment. The amount varies by party and by property.
Who pays for the maintenance?
With a financial lease, you are responsible for this yourself, as well as for the insurance. With an operational lease, this is often included in the rate.
Which objects can I lease?
Typically company cars, vans, machinery, equipment, and other business assets with a clear residual value.
Financial lease

Compare financial leases via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf Bee welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Financial lease

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Snel inzicht in welke financieringsvormen Bee mijn investering passen.”

J
Jeroen P.
Investment lease

“Het verschil tussen financial en Operational lease werd eindelijk eens helder uitgelegd.”

A
Anouk G.
financial lease

“Handig overzicht van aanbieders voor Working capital, inclusief wat ze aan cijfers vragen.”

S
Sanne A.
Working capital

“Als ondernemer scheelde dit veel uitzoekwerk. Alles stond Bee elkaar.”

G
Gijs F.
Business credit

More about business

View the other sections within Business.

Business financing →

Financing for growth, working capital, machinery, or your fleet.

Business loan →

Financing for growth, inventory, machinery, or working capital.

Working capital →

Bridge the period between purchase and payment by your customers.

factoring →

Sell ​​your outstanding invoices and receive the amount immediately instead of after the payment term.

financial lease →

Finance a business asset and become the economic owner.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with this.

Bedrijfsaansprakelijkheid →

Damage caused by your company to third parties.

Bedrijfsschadeverzekering →

Compensate for revenue loss when your business is idle.

Inventarisverzekering →

Coverage for your financed inventory and machinery.

Compare leasing companies

With our partner, you can see which parties offer financial lease and under what conditions.

Read more …financial lease

  • Hits: 227

Written by Bram van der Veldt on . Posted in Uncategorized.

factoring

factoring for your invoices

Sell ​​your outstanding invoices and receive the amount immediately instead of after the payment term. This way, you improve your liquidity without incurring extra debt.

Compare lenders →
Compare independentlyRecognized providersFree consultation
Factoring for your invoices
Compare independently
Also non-bank financiers
Free consultation
Reviews 9.5 / 9.8

How does factoring work?

With factoring, you transfer your outstanding invoices to a factoring company. The company pays you a large portion of the invoice amount immediately; the remainder follows as soon as your customer has paid, minus a fee.

The advantage: you do not have to wait for payment terms of thirty, sixty, or ninety days. In some forms, the factoring company also assumes the debtor risk and the collection process.

factoring

More about Factoring

What amount, for what purpose, and over what period?

Determine your needs
What amount, for what purpose, and over what period?
Compare lenders
Bank of gespecialiseerde partij — criteria en tarieven verschillen.
Application via the financier
You submit your figures. Assessment and processing are handled by them.

What shapes are there?

You are transferring your entire accounts receivable portfolio, including management.

Traditional factoring

You are transferring your entire accounts receivable portfolio, including management.

Separate invoices

U kiest per invoice welke u wilt voorfinancieren — flexibel en zonder langdurig contract.

With or without risk assumption

Does the factoring company assume the risk of non-payment? That affects the costs.

silent factoring

Your customer does not notice that you are using factoring.

Accounts Receivable Management

Some parties also take over sending reminders and collecting payments.

Costs

A percentage of the invoice amount, depending on size, term, and risk.

What do you look out for?

✓Compare the total compensation per invoice, not just the base percentage.
✓Check if it debtor risk wordt overgenomen — dat scheelt in de prijs en het risico.
✓Check if you per invoice you can choose whether you have to transfer your entire portfolio.
✓Bee silent factoring If your customer doesn't notice it, ask about it if that is important.
✓Pay attention to the contract duration and any minimum order quantity.

Frequently asked questions about factoring

What is factoring?
You transfer your outstanding invoices to a factoring company and receive the amount immediately, instead of after your customer's payment term.
How much does factoring cost?
Typically a percentage of the invoice amount. The amount depends on the volume, the payment term, the risk profile of your customers, and whether the risk is assumed.
Does my client notice that I use factoring?
Not with silent factoring. With other forms, the customer is informed that the invoice has been transferred.
Does the factoring company assume the risk?
That depends on the form. With risk assumption factoring, the factoring company bears the risk of non-payment; that is generally more expensive.
Do I have to transfer all my invoices?
Not always. Some providers offer the option to choose per invoice, without a long-term contract.
Is factoring a loan?
No. You are selling a receivable instead of borrowing money. As a result, it appears differently on your balance sheet than a loan.
Factoring

Compare factoring via Finass

✓Independent: we compare offers from multiple providers side by side.
✓Geen verkooppraatje — wij informeren, u kiest zelf Bee welke aanbieder u aanvraagt.
✓For years, the trusted address in Bergen, NH for your insurance.
✓Rated 9.5 and 9.8 by our customers.
Finass Verzekert puts you in contact with specialized providers.

What our customers say about Factoring

Customers rate Finass Verzekert on average with a 9.5 and the claims handling with a 9.8.

9.5
Customer review
9.8
Claims handling

“Snel inzicht in welke financieringsvormen Bee mijn investering passen.”

R
Rose D.
Investment lease

“Het verschil tussen financial en Operational lease werd eindelijk eens helder uitgelegd.”

I
Isabel N.
financial lease

“Handig overzicht van aanbieders voor Working capital, inclusief wat ze aan cijfers vragen.”

I
Ilse I.
Working capital

“Als ondernemer scheelde dit veel uitzoekwerk. Alles stond Bee elkaar.”

S
Sebastian Z.
Business credit

More about business

View the other sections within Business.

Business financing →

Financing for growth, working capital, machinery, or your fleet.

Business loan →

Financing for growth, inventory, machinery, or working capital.

Working capital →

Bridge the period between purchase and payment by your customers.

factoring →

Sell ​​your outstanding invoices and receive the amount immediately instead of after the payment term.

financial lease →

Finance a business asset and become the economic owner.

Associated insurances

Financing and insurance go hand in hand. Finass Verzekert is your independent advisor for the insurance policies associated with this.

Bedrijfsaansprakelijkheid →

Damage caused by your company to third parties.

Bedrijfsschadeverzekering →

Compensate for revenue loss when your business is idle.

Inventarisverzekering →

Coverage for your financed inventory and machinery.

Compare factoring companies

With our partner, you can see which parties offer factoring and under what conditions.

Read more …factoring

  • Hits: 212

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