Business account with credit products
Flexible financing options for eligible customers actively using Finom for at least three months
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- Pay interest only on withdrawn funds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
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
Open a Finom business account
Use your business account for at least 3 months to build a transaction history
Apply for a personalized credit line
Get an offer based on your business profile
Sign the documents online
Access your funds immediately
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
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.
Basic
For individual entrepreneurs and companies looking to scale their business
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Smart
Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 72
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
Credit products
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 0,5
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)
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 transfers
1 %
Outgoing international transfers
0.50 %
Outgoing international transfers
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
Basic
For individual entrepreneurs and companies looking to scale their business
/ month
excl. VAT
/ month
excl. VAT
You save € 48
Smart
Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Users included
2
Users included
Cashback
1 %
Cashback
3 %
AI Assistant
AI Assistant
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Account Manager
Account Manager
Credit products
Credit products
Monthly interest rate
from 1 %
Monthly interest rate
from 1 %
Credit line maintenance per day
€ 1
Credit line maintenance per day
€ 0,5
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)
Free outgoing SEPA transfers
€ 25.000
Free outgoing SEPA transfers
€ 50.000
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Outgoing international transfers
0.50 %
Outgoing international transfers
0.40 %
Role and user management
Role and user management
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
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.
