
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
E-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Pay interest only on withdrawn funds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
Cards with 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
Security is our top priority
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
/ month
excl. VAT
/ month
excl. VAT
You save € 36
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Business account
Business account
Business account
Users included
1Users included
2Users included
5Multiaccounts
Multiaccounts
Multiaccounts
Cashback
0 %Cashback
2 %Cashback
3 %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 PaymentsPayment Solutions
Provided by Finom PaymentsPayment Solutions
Provided by Finom PaymentsPersonal 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
€ 0Transfers between Finom users
€ 0Transfers between Finom users
€ 0SEPA transaction fee
€ 2SEPA transaction fee
€ 0SEPA transaction fee
€ 0VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 3Physical card monthly maintenance
€ 0Physical card monthly maintenance
€ 0International payments (in&out)
€ 5International payments (in&out)
€ 5International payments (in&out)
€ 5Outgoing international payments
2 %Outgoing international payments
0,9 %Outgoing international payments
0,8 %Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
Start
For growing businesses that need advanced features to manage their increasing operations
/ month
excl. VAT
/ month
excl. VAT
You save € 36
Premium
For individual entrepreneurs and companies looking to scale their business with enhanced tools and higher limits
/ month
excl. VAT
/ month
excl. VAT
You save € 72
Corporate
For larger businesses requiring advanced features, higher limits, and greater flexibility
/ month
excl. VAT
/ month
excl. VAT
You save € 360
Business account
Business account
Business account
Users included
2Users included
5Users included
10Multiaccounts
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 PaymentsPayment Solutions
Provided by Finom PaymentsPayment Solutions
Provided by Finom PaymentsPersonal 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
€ 0Transfers between Finom users
€ 0Transfers between Finom users
€ 0SEPA transaction fee
€ 0SEPA transaction fee
€ 0SEPA transaction fee
€ 0VISA physical & virtual cards
VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 0Physical card monthly maintenance
€ 0Physical card monthly maintenance
€ 0International payments (in&out)
€ 5International payments (in&out)
€ 5International payments (in&out)
€ 5Outgoing 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
Corporate
For larger businesses requiring advanced features, higher limits, and greater flexibility
/ month
excl. VAT
/ month
excl. VAT
You save € 360
Enterprise
The most comprehensive package, providing the fullest range of features for large-scale businesses to leverage all account capabilities
/ month
excl. VAT
/ month
excl. VAT
You save € 1.080
Business account
Business account
Users included
10Users included
15Multiaccounts
Multiaccounts
Cashback
unlimited cashback up to 0,5 %Cashback
unlimited cashback up to 1 %Dedicated Account Manager
Dedicated Account Manager
Accounting & Invoicing
Accounting & Invoicing
Accountant access
Accountant access
Smart Invoicing
Smart Invoicing
Reconciliation of invoices and receipts
Reconciliation of invoices and receipts
Recognition of invoices and receipts
Recognition of invoices and receipts
30+ accounting integrations
30+ accounting integrations
Payment Solutions
Provided by Finom PaymentsPayment Solutions
Provided by Finom PaymentsPersonal IBAN (unique account number for global transfers)
Personal IBAN (unique account number for global transfers)
Transfers between Finom users
€ 0Transfers between Finom users
€ 0SEPA transaction fee
€ 0SEPA transaction fee
€ 0VISA physical & virtual cards
VISA physical & virtual cards
Physical card monthly maintenance
€ 0Physical card monthly maintenance
€ 0International payments (in&out)
€ 5International payments (in&out)
€ 5Outgoing international payments
0,5 %Outgoing international payments
0,3 %Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Custom
Customize your plan and unlock exclusive benefits with Finom:
- Set personalized limits
- Tailor your international payments
- Enjoy the highest cashback rates
- Handle unpredictable inquiries with ease

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.