Choose your language

Dashboard

Business account with credit products

Flexible financing options for eligible customers actively using Finom for at least three months

*A credit line is available to clients with at least three months of Finom account activity

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  • Pay interest only on withdrawn funds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

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 100,000+ 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

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 72

Smart

Save 20% with 6-month or annual plan
For growing businesses that need advanced features to manage their increasing operations

excl. VAT

21 / month 17 / month30-day trial

excl. VAT

40 / month 34 / month30-day trial

Business account

Business account

Users included

1

Users included

Cashback

0 %

Cashback

3 %

AI Assistant

AI Assistant

Chat support

Up to 1 business day

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

€ 2.500

Free outgoing SEPA transfers

€ 50.000

Free VISA physical cards per user

0

Free VISA physical cards per user

3

Free VISA virtual cards per user

1

Free VISA virtual cards per user

10

Outgoing international transfers

1 %

Outgoing international transfers

0.40 %

Role and user management

Role and user management

Scheduled payments

Scheduled 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.
Get more details