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Flexible funding for your business growth

Discover flexible financing options designed for small businesses and entrepreneurs actively using Finom for at least three months.

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Credit facilities are issued by SME Lending Fund MTDA GmbH & Co. KG. Finom Growth GmbH acts solely as a loan broker.

Business account with financing options – all-in-one flow

  • Financial tools

    Cards, accounting tools, and transfers

  • Flexible funding

    Access funds once activated and use when needed

  • No queues or paperwork

    Manage your money 100% online via app

  • Effortless e-invoicing

    E-invoices ready in 60 seconds with a payment link

Flexible funding for your business needs

Access funding that grows with your business

€ 5K — € 50K

revolving funding

Decision in under

for 80% of applications

6-month repayment period

Indefinite access to funds

Quick withdrawals

after approval

100% online application

Transparent pricing, no surprises

  • Interest applies only to withdrawn funds

  • Fixed monthly servicing fee

  • No hidden charges and early repayment fees

  • No origination fees if the credit line is active for more than 3 months

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Helping your business thrive

  • Getting funding isn’t easy for small- to medium-sized businesses

  • That’s why transaction history is considered, not only traditional risk assessments

  • The more you use your account, the more funding you may become eligible for — on better terms

  • To increase your chances of a higher limit, connect all your bank accounts using the multibanking feature

How to get funding

  1. Open a Finom business account

    1

  2. Use your business account for at least 3 months to build a transaction history

    2

  3. Get a personalized offer based on your business profile

    3

  4. Sign documents online

    4

  5. Access your funds immediately

    5

Open now

Make payments easily

Free physical and virtual cards for you and your employees

Learn more

Pay anywhere

with ApplePay or GooglePay

Exceptional up to

cashback

Transfers & Direct Debits

Up to € 5 000

monthly ATM withdrawal limit

International payments to 150+ countries

Meet our 200,000+ customers

Read real, authentic reviews

Alexander

Ergonomic platform, very clear to create your company.

Maria

Everything is well thought out and super simple to use. I highly recommend Finom, especially if you're just starting out.

Peter

Responsiveness, ease of use, prices lower than the market. It's great to have a tool like this available for a small business.

Christina

Finom is 10 times better and more modern than comparable platforms, the price is very reasonable. I've never experienced such a smooth integration process when opening an account.

Philip

Opening an account is easy. We stay constantly informed of account access and activity, with 2-factor authentication. I'm really satisfied with the service!

Anna

Everything is clear, with no hidden costs, and with a great team on hand to do everything they can to support you! The app is very user-friendly with lots of possibilities.

Security is our top priority

  • GDPR Compliance

    Our servers are protected and hosted in the European Union

  • Reliable partners

    To minimize risks, we’ve partnered with one of the largest multinational banks, BNP Paribas, to hold your funds

  • Safeguarded funds: unlimited

    We have a separate Safeguarding Foundation supervised by the DNB to manage your money

  • Passkeys and 3D Secure

    Your money is protected with secure passwordless authentication and single-use passwords

Learn more

Finom pricing and plans

Subscription plans at a fair cost tailored to fit your business.

Solo

For freelancers who need simple, essential features

You save € 24

Basic

For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control

You save € 48

Smart

For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations

€ 0 / month€ 0 / monthOpen account

excl. VAT

€ 10,99 / month€ 8,99 / month30-day trial

excl. VAT

€ 27,99 / month€ 23,99 / month30-day trial

Business account

Business account

Business account

Users included

1

Users included

2

Users included

Cashback

0%

Cashback

1%

Cashback

3%

AI Assistant

AI Assistant

AI Assistant

Chat support

Up to 1 business day

Chat support

Up to 3 hours

Chat support

Up to 3 minutes

Account Manager

Account Manager

Account Manager

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Payment Solutions

Provided by Finom Payments/Solaris SE

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Free outgoing SEPA transfers

€2 500

Free outgoing SEPA transfers

€25 000

Free outgoing SEPA transfers

€50 000

Free VISA physical cards per user

0

Free VISA physical cards per user

1

Free VISA physical cards per user

3

Free VISA virtual cards per user

1

Free VISA virtual cards per user

3

Free VISA virtual cards per user

10

Outgoing international payments

1%

Outgoing international payments

0.50%

Outgoing international payments

0.40%

Role and user management

Role and user management

Role and user management

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

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FAQ

  • What types of Flexible Funding are available?

    In Germany, Flexible Funding is currently available as a revolving credit line, which gives you ongoing access to funds within your approved limit.

  • Who is the lender?

    The credit facilities are issued by SME Lending Fund MTDA GmbH & Co. KG, registered with BaFin (ID 70173539) and managed by Montold Asset Management GmbH (BaFin ID 10156973). Finom Growth GmbH acts solely as a loan broker under § 34c GewO and as an external communication provider – Finom is not the lender.

  • What documents are needed to obtain a credit line?

    Existing Finom customers won’t need to provide additional paperwork – your transaction history and previously submitted documents will be considered.

  • How quickly will I receive the funds?

    Once your withdrawal request is confirmed, the funds will be transferred immediately to your account.

  • What factors will affect the terms of my credit line offer?

    The terms of your offer will be evaluated based on your transactional activity at Finom and external data about your business, including Multibanking.