Business account with flexible funding
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
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
Start using your Finom account to build transaction history
Get a personalized offer based on your business profile
Get an offer based on your business profile
Sign the documents online
Access your funds immediately
Open account
Up to 3% cashback
Prime business card
Up to € 5 000
International payments to 150+ countries
Meet our 200,000+ customers
Thank you with a little piece of advise!
I received the help ein needed within a couple of hours. The problem I had was solved quickly. Just a little advise. My problem was that my limit for my account was still on 5000,-€. I had uploaded a document, but the document was too old. I never received a feedback that the document was too old and that I would have had to upload a more recent document. That would've been helpful in the first place. But otherwise I am very happy that I decided to open my account at Finom. Thank you!
Patrick Arante
01 June 2026
Someone has stolen my Creditcardnumber
Someone has stolen my Creditcardnumber and used it! I asked the Finom team for help! Nice Expierience! Fast! Easy! Patient with my worries, friendly and everything went nice and well💪🏼💯
SU
30 May 2026
Very good and fast banking application
Very good and fast banking application. The setup is smooth, and the service works perfectly for my business This is a really good, fast, and reliable banking application. Five stars!
Ibrahim Ali
29 May 2026
Reliable bussiness bank
Reliable bussiness bank. Very cool features, like invoice uploading to link to transactions. And als it can be integrated in Lexware or other accounting tools :)
Nico H
29 May 2026
I’m really satisfied of Finom
I’m really satisfied of Finom, particularly about the assistance: I have had a serious problem with a merchant and mr. Jose, very professional and kind person, did follow my case, resolved it quickly and also helped me how to manage all the features of the app.
Angelo Gentini
28 May 2026
Payroll is now so easy process
Payroll is now so easy process, just put excel sheet to Ai analyzer and there you go,all payments in 1.
Stan Sim
27 May 2026
In 2025
In 2025, I opened a digital business banking account with Finom for DEFECTIVE. Initially, I was given a transaction limit of approximately €5,000. However, shortly after my first application was reviewed, my account was upgraded to an unlimited status, allowing me to operate without transaction limits. While actively using the account, I had to stay in Turkey for around 2–3 months in December 2025 due to health issues. During that period, I was unable to manage the account regularly, and the account was temporarily closed. After returning to Italy, I contacted the Finom team regarding the reactivation of my account. The process moved much faster than I expected. In particular, Jose, along with the members of every department involved, was extremely helpful, professional, and solution-oriented. My account was reactivated very quickly, and I was able to continue my routine business operations without any issues. Throughout the entire experience, the speed, professionalism, and supportive approach of the customer service team gave me great confidence in working with Finom.
SEYHAN OZHAN
27 May 2026
I received immediate and highly competent support
I received immediate and highly competent support with my issue. Thanks to Jose, whom I was in contact with via chat, I was able to get help and the problem was resolved quickly.
Jürgen Joost
27 May 2026
Rated 4.7 / 5 based on 13.331 reviews. Showing our latest reviews.
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
For freelancers, who need simple, essential features
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
Business account
Business account
Business account
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
Provided by Finom Growth B.V.
Credit products
Provided by Finom Growth B.V.
Credit products
Provided by Finom Growth B.V.
Credit line maintenance per day
€1
Credit line maintenance per day
€1
Credit line maintenance per day
€0,5
Interest account
Provided by Aksys Global Markets Europe Ltd
Interest account
Provided by Aksys Global Markets Europe Ltd
Interest account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
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
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
For individual entrepreneurs or small teams taking their first steps. Simple, essential tools to start and stay in control
For small to medium-sized businesses with straightforward needs. Flexible tools and higher limits for daily operations
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
Business account
Business account
Business account
Chat support
Up to 3 hours
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Manager
Account Manager
Account Management Team
Credit products
Provided by Finom Growth B.V.
Credit products
Provided by Finom Growth B.V.
Credit products
Provided by Finom Growth B.V.
Credit line maintenance per day
€1
Credit line maintenance per day
€0,5
Credit line maintenance per day
€0,5
Interest account
Provided by Aksys Global Markets Europe Ltd
Interest account
Provided by Aksys Global Markets Europe Ltd
Interest account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
1
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
3
Free VISA virtual cards per user
10
Free VISA virtual cards per user
Scheduled payments
Scheduled payments
Scheduled payments
Bulk payments
Bulk payments
Bulk payments
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
For small to medium-sized businesses ready to scale. The flexibility to grow with advanced features and higher limits
Business account
Business account
Chat support
Up to 3 minutes
Chat support
Up to 3 minutes
Account Manager
Account Management Team
Account Manager
Dedicated Account Manager
Credit products
Provided by Finom Growth B.V.
Credit products
Provided by Finom Growth B.V.
Credit line maintenance per day
€0,5
Credit line maintenance per day
€0,5
Interest account
Provided by Aksys Global Markets Europe Ltd
Interest account
Provided by Aksys Global Markets Europe Ltd
Free account setup
Free account setup
Payment Solutions
Provided by Finom Payments
Payment Solutions
Provided by Finom Payments
Free VISA physical cards per user
3
Free VISA physical cards per user
3
Free VISA virtual cards per user
Free VISA virtual cards per user
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.
