Ask an independent adviser for help with your financing plans.Do you have enough money to pay the interest and repayments each month, even if you are not yet making a profit? Take interest and repayments into account when arranging any financing form.Explore the subsidies content on to find guarantees, financial contributions, contests, and tax measures.The Startup Box contains government funding schemes aimed at innovation.The possibilities and conditions differ per ROM. They mainly invest in innovative and fast-growing regional companies. These investment organisations stimulate the economy in specific regions and provinces. Regional Development Agencies ( Regionale Ontwikkelingsmaatschappijen, ROMs).Strategic partner – A collaborative partner brings money and knowledge into your business.SME credit – This is a loan from Qredits between €50,000 and €250,000.Microcredit – This is a loan from Qredits of up to €50,000 for startups and existing entrepreneurs.The leasing company provides maintenance.

Leasing – You pay for the use of assets.Family and friends – People you know put money into your business with a private loan.These are entrepreneurs who invest in other businesses. Business angels – Also known as informal investors.Crowdfunding – You raise money for your plans with a campaign on an online platform.The main forms of alternative financing for starters are: The main forms of bank financing for starters are: What steps should you take to get financing for your business? And which parties can you turn to? This video explains it all. Because that means that others also believe in your business,” explains Hazelaar. Furthermore, a bank will be more likely to give you a loan if you also put in a loan from family and friends alongside your own money. Your own money is the basis for your financing. Also, pay attention to the order in which you want to mix your financing.

Present the amounts you want to borrow to different financiers. And indicate how much money you need for this. Back up your plan with figures and a realistic earning model. Financiers want to know that your idea and plans are in order before they give you credit. With such a loan in hand, you can then look for financing from the bank.” Make a planīefore you start looking for and mixing financing types, create a clear plan and a financial budget. “In practice, it is easier to borrow money from an alternative financier first. Hazelaar often refers them to alternative financiers. Christiaan Hazelaar, an adviser from the KVK Advice Team, receives daily questions from entrepreneurs about financing applications. Also, research which forms of financing are suitable for you and your company. Check the conditionsĪre you going to borrow money for your business? Familiarise yourself with the conditions and interest rates of each credit provider. Because with a financing mix, you not only spread your own risk, but also that of your financiers. Discover which credits, loans, and financing you can mix and what you need to arrange.īanks are typically open to mixing financing types. For example, you supplement your own money with a loan from family and friends and with a loan from the bank or other financiers. You need different forms of financing at the same time. Do you want to grow your business or are you starting a business? Do you need to borrow money for this? Increasingly, you can no longer borrow the total amount from one financier.

Define finance mix strategy