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