How can we help you?

Preliminary offers are available to Finom customers who are considered eligible based on their transaction history, overall financial profile, and if Multibanking is connected, data from other bank accounts.

Eligibility is based on your transaction history, financial performance, and other relevant factors, including data from Multibanking. 
If you have been with Finom for less than 3 months, you need to connect your other business bank accounts via Multibanking to show your transaction history

The terms of your offer will be evaluated based on your transaction activity at Finom and external data regarding your business, including Multibanking.

Making Finom your primary bank for business operations enhances your chances, and connecting your other business bank accounts through our Multibanking solution can further support your request.

Your request for a credit line is free and non-binding until you accept the credit agreement. You will have the opportunity to review and acknowledge the terms and conditions of your final agreement before accepting it.

Yes. As part of the credit assessment process, we may request credit reports from BKR for freelancers, and where applicable, for personal guarantors of companies before activating your credit line.

This means that BKR will be informed that you have applied for a credit line. Once your credit line is activated, and your repayment behaviour is reported to BKR in line with regulatory requirements.

Existing Finom customers won’t need to provide any additional paperwork. We’ll use your transaction history and previously submitted documents.

No, our product does not require any collateral.

After receiving your preliminary credit offer, you can apply to get a personalized offer. The risk assessment takes just a few minutes for the majority of cases. Once you review and accept the final offer, you can accept the credit agreement, and your funds will be instantly available within your approved credit limit.

Preliminary Offer: This is an initial estimate of the credit limit amount based on your transaction history with Finom. It is not a final approval, but an indication of what you may qualify for. At this stage, the interest rate is not personalized and is provided as a range.

Final Offer: After applying for a credit line, a detailed risk assessment is conducted, and a personalized final offer is generated. The final offer may differ from the preliminary one, depending on additional financial factors and external data considered during the evaluation.

Both pre-offer and final offer may have an expiration period, which will be clearly stated in the offer description.

The credit line application with Finom is fast, fully digital and paperless:

1. Data verification – verify your business data to get a final, personalized offer with an exact credit amount and interest rate.

2. Final Offer Review – review the terms and conditions of your final offer

3. Credit Agreement – if you agree, accept the credit agreement, passing the online identity verification procedure.

4. Access to Funds – get access to credit funds immediately and withdraw when you need.