How can we help you?

Preliminary offers are available to Finom customers who are considered eligible based on their transaction history, overall financial profile, and if Multibanking is connected, data from other bank accounts.

Eligibility is based on your transaction history, financial performance, and other relevant factors, including data from Multibanking. 
If you have been with Finom for less than 3 months, you need to connect your other business bank accounts via Multibanking to show your transaction history

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

Making Finom your primary bank for business operations can strengthen your profile, and connecting your other business bank accounts through our Multibanking solution can further support your request.

Your request for a credit line is free and non-binding until you accept the credit agreement. You will have the opportunity to review and acknowledge the terms and conditions of your final agreement before accepting it.

Yes. As part of the credit assessment process, credit reports may be requested from national credit bureaus – from Creditreform for registered entities and from SCHUFA for freelancers, and where applicable, for individuals who take personal responsibility for a company’s debt – before the credit line is activated.

This means that the relevant credit bureau may be informed that you have applied for a credit line. Once the credit line is activated, repayment behaviour may be reported in accordance with applicable regulatory requirements.

Existing Finom customers usually won’t need to provide additional paperwork – your transaction history and previously submitted documents will be considered. 
In rare and exceptional cases, we may request additional information about your business.

No, the credit line does not require any collateral.

After receiving your preliminary offer, you can apply for a personalized one. In most cases, the final offer is ready within one business day. In rare cases, it may take longer if additional information or checks are required. 
Once you review and accept the terms and conditions, the credit line is activated. You can then select a transfer amount up to your approved limit, confirm the credit agreement with its repayment schedule, and funds will be made available after the withdrawal is confirmed

Preliminary Offer: This is an initial estimate of the credit limit amount based on your transaction history. It is not a final approval, but an indication of what you may qualify for. At this stage, the interest rate is not personalized and is provided as a range.
Final Offer: After applying for a credit line, a detailed assessment is carried out, and a personalized final offer is generated. The final offer may differ from the preliminary one, depending on additional financial factors and external data considered during the evaluation.

Both pre-offer and final offer may have an expiration period, which will be clearly stated in the offer description.

The process is fast, fully digital and paperless:

1. Data verification – confirm your business data to get a final, personalized offer with an exact credit limit and interest rate.
2. Final offer review – review the terms and conditions of your final offer. 
3. Terms acceptance – if you agree, accept the terms, passing the online identity verification procedure.
4. Withdrawal request - select a transfer amount up to your approved limit and sign the credit agreement with its repayment schedule
5. Access to Funds – get access to credit funds after the withdrawal is confirmed.