Webshoptiger tools

Financing and buy now, pay later for webshops

Starting a webshop costs more than you think, from inventory to marketing. Here you'll find lenders and banks for a loan or inventory financing, such as Qredits and Bridgefund. For your customers, there are buy now, pay later and installment payment solutions, such as Klarna, in3, Riverty and Billink.

Financing tools

  • ASN Bank (formerly Regiobank)

    Business financing at ASN Bank, which RegioBank has merged into: business mortgages, accounts receivable, inventory and asset financing, and tips for your financial plan.

    • Inventory and accounts receivable financing for webshops
    • Business mortgage for commercial property or a warehouse
    • Clear tips for a financial plan
  • Billink

    Pay later for consumers and businesses, with its own factoring option for webshops that want to offer their own pay-later payment method.

    • Pay later for both consumers and businesses
    • Your own pay-later payment method with Billink Factoring
    • Free API and plugins for many shop platforms
  • Bridgefund

    BridgeFund is a Dutch platform for bank-free business loans and credit up to €500,000. You can apply online, and payout usually follows within one business…

    • Bank-free loan from €5,000 to €500,000
    • Online application in about five minutes
    • No business plan needed
  • Capital Box

    Business loans and a line of credit from €5,000 to €500,000 with no business collateral, applied for online in about 5 minutes.

    • Loan amount from €5,000 to €500,000
    • Offer often within 24 hours
    • No business collateral needed
  • Credion

    Credion is a Dutch intermediary platform for business financing. You answer ten questions and an advisor finds a suitable lender.

    • One application, advice on 120+ lenders
    • First consultation with an advisor is free
    • Response from an advisor within one business day
  • in3

    Pay in three interest-free installments via iDEAL. The webshop gets the full amount up front and pays a percentage per successful transaction.

    • Full payout up front, customer pays in three installments
    • No fixed fees, just a percentage per transaction
    • Connect through your existing payment provider
  • ING

    Business loans, overdraft facilities, leasing and green financing from ING for business owners, with a tool to view your financing options and interest rates.

    • Decision tool for loans, credit, leasing or green financing
    • Overdraft facility from just €5,000
    • Green financing from €25,000
  • Klarna

    Buy now, pay later and installment payments for webshops. Klarna pays the webshop up front and takes over the credit and fraud risk.

    • Webshop receives the full amount up front
    • Klarna takes over the credit and fraud risk
    • Your customers can pay in 30 days or in installments
  • Knab

    Business loan of €10,000 to €100,000 with a term of 6 to 60 months from Knab, available with a Knab Zakelijk (business) account.

    • Loan of €10,000 to €100,000
    • Term of 6 to 60 months
    • Interest rate from 8.39% per year according to the bank
  • Lemonero

    Czech fintech company offering business financing for webshops and B2B credit; also active in the Netherlands since the end of 2022.

    • Financing for webshops paid out within minutes
    • B2B invoice credit with 30 to 90 days deferral
    • Approval in about 2 minutes
  • New10

    Business loan or credit from €20,000 to €1,000,000, available without a business plan. New10 is a subsidiary of ABN AMRO.

    • Loan amount from €20,000 to €1,000,000
    • No-obligation offer within minutes
    • No business plan needed
  • Qeld

    Business loans from €3,000 to €500,000 for business owners, with payout within 24 hours of digital signing. Also a business Visa credit card.

    • Loan amount from €3,000 to €500,000
    • Payout the same business day after signing digitally
    • No setup fees and free early repayment
  • Qredits

    Nonprofit foundation offering everything from microcredit to business mortgages for starters and entrepreneurs, including free coaching and training with a loan.

    • Credit from microcredit to business mortgages
    • Free coaching and training with a Qredits loan
    • Nonprofit foundation
  • Rabobank

    Business loans, credit, leasing, and commercial mortgages from Rabobank, with an online estimate of the interest rate and monthly payment for financing up to €1…

    • Online interest rate estimate for financing up to €1 million
    • Multiple financing options at one bank
    • Fixed interest rate as standard for loans up to €1 million
  • Riverty

    Buy now, pay later by invoice (formerly AfterPay) for webshops. Riverty takes on the risk of non-payment and handles reminders and debt collection.

    • Guaranteed payout on every accepted order
    • Riverty handles non-payment, reminders and debt collection
    • Connect through your payment provider, API or plugin
  • Swish Fund

    Business loans from €5,000 to €500,000 for Dutch SMB owners, applied for online in about 5 minutes with payout within 24 hours.

    • Response to your application within 1 business day
    • Money in your account within 24 hours of signing
    • Loan amount from €5,000 to €500,000
  • Yeaz!

    Business loan from Svea for webshops and small businesses, with an offer within 15 minutes and no repayment obligation as long as you pay the…

    • Response to your application within 15 minutes
    • Money in your account the next business day
    • No repayment obligation as long as you pay the interest

About financing

Money for inventory, growth and a good start

Starting a webshop seems cheap, but there are many added costs. Think of hosting, marketing and especially inventory you have to pay for up front. Many starters run into tight cash flow in their first years. Extra capital gives you room to buy stock and grow. Here you'll find companies that finance webshops and small and medium-sized businesses.

Two types of financing

  • Business loans and credit: money for your own business, for example from ING, Rabobank, Knab, New10 or Qredits. Qredits focuses mainly on starters.
  • Buy now, pay later for your customers: Klarna, Riverty, Billink and in3 pay you up front, while your customer pays later or in installments.

The second type isn't a loan for you, but it does help your cash flow. You get your money faster and the provider takes on the risk of non-payment.

How to go about it

First decide how much money you need and what for. Is it for inventory, working capital for day-to-day costs or a marketing campaign? Then request a proposal from several providers. Your own bank is a logical first stop, but compare other providers too. A broker such as Credion searches for suitable lenders based on a few questions.

Compare the terms

Don't just compare the interest rate, but also the term, closing costs and early repayment penalty. Some providers ask for a business plan, others don't. A good plan does make your application stronger. It shows where the money goes and how you'll pay it back.

Non-bank lender or bank?

Platforms such as Bridgefund and Swish Fund lend outside the banking system and often decide faster. That convenience sometimes comes at a price in the form of a higher interest rate. So only borrow what you really need.

Webshoptiger B.V. is not responsible for any incorrect information or prices on this website.