Business financing: take the financing check

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How does the financing check work?

Two short steps online, then I take it from there personally.

1
Your request in brief
On this page you choose the amount, what it is for and when you need it. It takes less than a minute.
2
Your company
In Capsearch's secure check (in Dutch) you enter your contact details and look up your company in the Chamber of Commerce register. You immediately see how many financing options fit.
3
Personal advice
I review your request, get in touch and discuss which lender and which type of financing suit you best. Only if you want to do we prepare the application together.

What can you get financing for?

Every investment calls for a different lender. Choose your goal and it is preselected in the check.

Business premises
Buying or refinancing premises your business uses for at least half. Lenders go up to about 90% of the value, depending on the property and the business.
Start the check: Business premises
Commercial property
Property as an investment, such as shops, offices or business units you let out. The rental income carries most weight.
Start the check: Commercial property
Working capital
Room for stock, staff and running costs while customers have yet to pay, for example with an overdraft facility.
Start the check: Working capital
Growth and expansion
Investing in a new location, extra capacity or a new market, with a loan that matches the payback period.
Start the check: Growth and expansion
Business acquisition
Buying an existing business or buying out a partner. Often a mix of bank debt, a vendor loan and own funds.
Start the check: Business acquisition
Starting a business
Start-up capital for a new business. Lenders ask for a business plan, a balanced budget and a contribution of your own.
Start the check: Starting a business
Stock
Buying stock for the season or a large order, with the stock itself as security.
Start the check: Stock
Vehicles
Vans, trucks or other vehicles, through leasing or a loan secured on the vehicle.
Start the check: Vehicles
Invoices
Turning outstanding invoices into cash straight away with factoring, so you do not have to wait for payment.
Start the check: Invoices
Machinery
Production machinery or installations, often through leasing with the machine as security.
Start the check: Machinery
Fixtures and fittings
Fitting out a shop, restaurant or office, such as furniture, kitchens and equipment.
Start the check: Fixtures and fittings
Vessels
Inland and other vessels, with lenders who know this specialist market.
Start the check: Vessels

What types of business financing are there?

A bank is not always the best or fastest route. These are the types that fit most often, and what to watch out for.

Type of financing	Suited for	Good to know
Business loan or overdraft from a bank	Investments, working capital and business premises	Usually the lowest rate, but banks assess track record, figures and security strictly.
Leasing	Vehicles, machinery and fixtures	The asset itself is the security, so leasing is often arranged faster than a bank loan.
Factoring	Working capital from outstanding invoices	A large part of your invoices is paid out straight away, so you do not have to wait for customers.
Alternative lenders	Growth, bridging and requests that do not fit a bank	Direct lenders, lending platforms and crowdfunding often decide faster and more flexibly, usually at a higher rate.
Microcredit and SME credit	Start-ups and smaller businesses	Qredits lends up to € 50,000 as microcredit and from € 50,000 to € 250,000 as SME credit.
Property financing	Your own business premises or investment property	The value of the property and, if it is let, the rental income determine how much you can borrow.

Not enough security for a bank loan? The lender can then use the Dutch government's SME credit guarantee scheme (BMKB). You do not apply for it yourself: the bank or another participating lender uses it in your application. The BMKB runs until 1 July 2027.

What does a lender need from you?

The more complete your documents, the faster a lender can decide. Have these ready:

Annual accounts for the last two to three years
Recent interim figures for this year
A forecast or budget, and a business plan for a start-up or acquisition
An overview of current loans, lease and rental contracts
Documents on the purpose, such as quotes, a purchase agreement or a valuation
A Chamber of Commerce extract and valid ID

Why Bond Real Estate & Finance?

Independently compared

I am not tied to any bank. Through Capsearch and my own network I compare banks, lease companies and alternative lenders.

Business and personal in one place

Premises in your company, equity in your home or an investment property next to your business: I see the whole picture, including the effect on your personal mortgage.

Personal contact

One point of contact who knows your file, from the first check to signing with the lender.

Take the financing check Book an intro call

Common questions about business financing

What does the financing check cost?

The financing check is free and without obligation. If you then want help with your application, we agree the cost in advance, so there are no surprises.

Am I applying for financing with the check?

No. The check gives a first picture of the types of financing that fit your request, and your details come straight to me. We only apply to a lender together, if you want to and once we know which route suits you best.

Which amounts does the financing check cover?

The check covers amounts from € 25,000 to € 5,000,000. For a smaller or larger amount, call or email me directly. Smaller amounts can go to a microcredit, for example, and for larger amounts I often combine several lenders.

Can I get business financing as a start-up?

Yes, but there is less choice than for an established business. Lenders ask start-ups for a business plan, a balanced budget and usually a contribution of their own. The check has a separate route for starting a business, and Qredits focuses on start-ups and smaller businesses.

How quickly is business financing arranged?

That depends on the type of financing and how complete your documents are. Leasing and factoring are often arranged faster than a bank loan or property financing. Having recent annual accounts, interim figures and a forecast ready saves the most time.

What happens to my data?

In the second step you enter your details with Capsearch, the platform I use to compare lenders. Your request reaches me there and is only used to advise you on financing. Capsearch has its own privacy and cookie policy; see also my privacy statement.

Can I combine business financing with my personal mortgage?

Yes, and that is where I add most value. I combine business financing with mortgage advice and property guidance, for example to check whether premises fit better in your company or privately, or whether equity in your home is a smart source of your own contribution.