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Business account with credit products

Discover flexible financing options designed for small businesses and entrepreneurs.

Open account

One business account for all your needs

  • Financial tools

    Cards, accounting tools, and transfers

  • Flexible credit line

    Access the funds whenever your business needs them

  • No queues or paperwork

    Manage your money 100% online via the app

  • Powerful invoicing

    Invoices ready in 60 seconds with a payment link

Credit line for your business needs

Access a credit line that grows with your business

  • Decision in under

    5 min

    * for 80% of applications

  • €2,000 — €50,000

    revolving credit line

  • 100% online application

  • Line stays open indefinitely

  • 6-month repayment period

  • Instant withdrawals

    when you need them

Transparent pricing, no surprises

Bridge cash flow gaps instantly

  • Pay interest only on withdrawn funds

  • Fixed monthly credit line servicing fee

  • No hidden charges and early repayment fees

  • No origination fees if funds are used for over 3 months

Open account

Helping your business thrive

We know getting funding isn’t easy when you represent a small- to medium-sized business. That’s why we analyze your transaction history instead of relying on traditional risk assessments. The more you use your account, the more funding you may qualify for – with better terms. To increase your chances of a higher limit, connect all your bank accounts using our multibanking feature.

How to get a credit line

  1. Open a Finom business account

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

  3. Apply for a personalized credit line

  4. Get an offer based on your business profile

  5. Sign the documents online

Access your funds immediately

Open account

Make payments easily

Free physical and virtual cards for you and your employees

Open account

  • Exceptional cashback up to 3%

  • On-the-go payments

    with ApplePay or GooglePay

  • Instant access to funds

    via a credit line

  • International payments to 150+ countries

  • SEPA transfers

    Unlimited transfers and direct debits

  • Up to € 5 000

    Monthly ATM withdrawal limit

Meet our 100,000+ customers

Read real, authentic reviews

Ergonomic platform, very clear to create your company.

Alexander

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

Maria

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

Peter

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.

Christina

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!

Philip

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.

Anna

Security is our top priority

Learn more

  • 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

  • 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

Finom pricing and plans

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

Start

For growing businesses that need advanced features to manage their increasing operations

€ 17

/ month

excl. VAT

€ 14

/ month

excl. VAT

You save € 36

30-day trial
Recommended

Premium

For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits

€ 34

/ month

excl. VAT

€ 28

/ month

excl. VAT

You save € 72

30-day trial

Corporate

For larger businesses requiring advanced features, higher limits, and greater flexibility

€ 149

/ month

excl. VAT

€ 119

/ month

excl. VAT

You save € 360

Apply now

Business account

Business account

Business account

Users included

2

Users included

5

Users included

10

Multiaccounts

Multiaccounts

Multiaccounts

Cashback

2 %

Cashback

3 %

Cashback

unlimited cashback up to 0,5 %

Dedicated Account Manager

Dedicated Account Manager

Dedicated Account Manager

Accounting & Invoicing

Accounting & Invoicing

Accounting & Invoicing

Accountant access

Accountant access

Accountant access

Smart Invoicing

Smart Invoicing

Smart Invoicing

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Reconciliation of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

Recognition of invoices and receipts

30+ accounting integrations

30+ accounting integrations

30+ accounting integrations

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Payment Solutions

Provided by Finom Payments

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Personal IBAN (unique account number for global transfers)

Transfers between Finom users

€ 0

Transfers between Finom users

€ 0

Transfers between Finom users

€ 0

SEPA transaction fee

€ 0

SEPA transaction fee

€ 0

SEPA transaction fee

€ 0

VISA physical & virtual cards

VISA physical & virtual cards

VISA physical & virtual cards

Physical card monthly maintenance

€ 0

Physical card monthly maintenance

€ 0

Physical card monthly maintenance

€ 0

International payments (in&out)

€ 5

International payments (in&out)

€ 5

International payments (in&out)

€ 5

Outgoing international payments

0,9 %

Outgoing international payments

0,8 %

Outgoing international payments

0,5 %

Scheduled payments

Scheduled payments

Scheduled payments

Bulk payments

Bulk payments

Bulk payments

Compare plans

FAQ

  • In which countries is the credit line available?

    Currently, the credit line is available to existing Finom customers in the Netherlands. We plan to expand to more countries in the future.

  • What documents are needed to apply for a credit product?

    Existing Finom customers will not need any additional paperwork. We’ll use your transaction history and documents that you have already provided.

  • What will affect the terms of my credit financing?

    The terms of the offer will be assessed based on your Finom activity and external data about your business.

  • How quickly will I receive the funds?

    You will get access to a credit line as soon as you get a positive decision. After that, you’ll be able to borrow money within predetermined limits as needed.
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