Startup Business Loan Netherlands

A startup business loan in the Netherlands can help turn your idea into reality—without waiting for revenue or outside investors. We show you where to apply, what lenders expect, and how to get approved as a new business.

What Is a Startup Business Loan?

A startup business loan is a type of financing aimed at new businesses in the early stages, often before any revenue is generated. Unlike traditional business loans, which require turnover or collateral, startup loans are based on your business plan, growth potential, and financial forecasts.

In the Netherlands, these loans help cover essential startup costs such as product development, equipment, marketing, or first hires. Typical loan amounts range from €1,000 to €50,000, though larger sums may be available through state-backed programs. Approval is based on projected cash flow and market viability rather than past performance.

We’ve collected a list of the best startup business loans in the Netherlands at the top of this page, so you can quickly compare options and find one that fits your stage and goals.

Can Startups Get a Loan Without Revenue?

Yes—startups in the Netherlands can get a business loan without revenue, but it requires a different approach. Since there’s no financial history to assess, lenders focus on your business plan, market research, and cash flow projections to evaluate potential.

You’ll need to clearly show how the funds will be used, when revenue is expected, and how you plan to repay the loan. Some lenders may request a personal guarantee, while others offer government-supported loans that reduce the need for collateral. While the loan amounts are often smaller and the risk assessment stricter, pre-revenue startup loans are possible—especially for entrepreneurs who are well-prepared and can demonstrate a realistic growth path.

To improve your chances without revenue:

• Write a detailed, data-backed business plan
• Include realistic income and cost projections
• Specify how loan funds will generate future revenue
• Be ready to offer a personal guarantee if required

Best Types of Startup Loans in the Netherlands

Startups in the Netherlands have access to several types of loans, each suited to different needs and stages. Whether you’re launching your first product or need capital to scale operations, the right loan depends on your business model, funding amount, and repayment ability.

Loan Type	Best For	Amount Range	Secured?	Approval Speed
Microloan	Early-stage capital, freelancers	€1,000 – €50,000	No	Fast (1–3 days)
Government-Backed Loan	Startups lacking collateral	Up to €250,000+	Partial guarantee	Medium (5–10 days)
Online Startup Loan	Fast approval, limited paperwork	€2,000 – €100,000	Usually unsecured	Fast (1–3 days)
Equipment Financing	Buying essential startup equipment	€5,000 – €500,000+	Secured by asset	Medium (3–5 days)
Alternative Financing	High-risk or pre-revenue startups	Varies (case-by-case)	Varies	Varies

Microloan

Ideal for new businesses, freelancers, and founders with limited capital. Microloans offer fast approval, small amounts, and short to medium repayment terms. They require no revenue history, but a clear plan and ID verification are essential.

Government-Backed Loan

For startups without collateral or long trading history, these loans are issued by banks and supported by state guarantees. They reduce risk for lenders and increase access to credit. Approval is slower, but interest rates are often lower than market-based options.

Online Startup Loan

Digital lenders provide unsecured startup loans with minimal paperwork and fast decisions. These are suitable for founders who need speed and flexibility, though they come with higher interest rates and shorter repayment terms.

Equipment Financing

If your startup needs machines, tools, or vehicles, equipment financing lets you borrow against the asset itself. It offers lower interest rates because the equipment acts as collateral. A strong purchase case or supplier quote may be required.

Alternative Financing

Options like crowdfunding, revenue-based loans, or investor-backed credit lines can fill gaps where traditional loans fall short. These work well for high-risk or pre-revenue startups, but may involve equity, higher costs, or strict repayment rules.

Startup Loan Requirements Netherlands

Getting a startup loan in the Netherlands requires preparation—even if you’re not yet generating revenue. Lenders focus less on financial history and more on how well you’ve planned your business and how you intend to use the funds.

At a minimum, you’ll need:

• A valid KvK registration
• A Dutch business bank account
• A detailed business plan with projections
• Valid ID and Dutch address
• In some cases: a personal guarantee or security deposit

Even online lenders and microloan providers want to see that you understand your market, have realistic cost/revenue forecasts, and a clear repayment strategy. If you’re applying under a government guarantee scheme, you may also need to provide additional documentation, such as a cash flow overview or proof of entrepreneurial experience.

Keep in mind: Startup loan approval isn’t based on what you’ve earned—it’s based on how well you can show what you’ll earn.

How to Apply for a Startup Loan

Applying for a startup business loan in the Netherlands takes more than filling out a form. Since most startups lack revenue, your application needs to show strong planning, clear financial logic, and a solid understanding of how the funds will be used.

Steps to apply for a startup loan (keyword-focused):

• Choose the best startup loan Netherlands
• Prepare documents for startup loan application
• Write a clear business plan with financial forecasts
• Compare startup financing options
• Apply for a startup loan online or via lender

Choose the Best Startup Loan Netherlands

Start by identifying the loan type that fits your business. Microloans are great for small capital needs, while government-backed loans offer larger amounts with better terms if you qualify. Fast online loans can bridge urgent gaps, but usually have higher rates.

Prepare Documents for Startup Loan Application

Gather essential documents to speed up the process:

• KvK registration
• Proof of identity and address
• Bank account details
• Any previous funding history
• Optional: proof of relevant experience or partnerships

Some lenders may also request a startup pitch or brief overview of your team and vision.

Write a Clear Business Plan with Financial Forecasts

This is the most critical part of the process. Your business plan should include:

• Description of your product or service
• Market overview and positioning
• Sales and cost forecasts (6–24 months)
• Marketing and operational plans
• Loan usage and repayment plan

Keep it realistic and data-backed. Lenders want to see how the loan will help generate income.

Compare Startup Financing Options

Don’t go with the first lender you find. Compare:

• Loan amounts and interest rates
• Repayment flexibility
• Fees and penalties
• Approval time and support

Make sure the loan structure fits your cash flow and risk profile.

Apply for a Startup Loan Online or via Lender

Once you’re ready, submit your application with supporting documents. Online lenders may approve you in 1–3 days. Government-backed options and banks typically take longer—up to 10 business days or more.

Tip for Approval: Avoid vague projections. Show exactly how the borrowed money turns into revenue—and when. Lenders back plans, not hopes.

Pros and Cons of Startup Financing

Startup loans can be a powerful tool—but they’re not without risks. Understanding the pros and cons helps you make a smarter decision before taking on debt early in your business journey.

Pros:

• Access to early capital – Launch your business without waiting for revenue or investors.
• Keep full ownership – Unlike equity funding, you don’t give up control.
• Predictable repayments – Fixed terms and clear structure make budgeting easier.
• Multiple options – Microloans, government guarantees, and online lenders offer flexibility.
• Build credit history – Successful repayment strengthens your business profile.

Cons:

• Higher interest rates – Especially for unsecured or fast-access startup loans.
• Limited loan amounts – Most startup loans are capped at €50,000 to €100,000.
• Personal liability – Many lenders require a personal guarantee from the founder.
• Strict planning required – Approval depends heavily on the quality of your business plan.
• Cash flow pressure – Repayments start before your business is fully stable.

Used well, startup financing can accelerate your growth. Used carelessly, it can burden your cash flow and limit flexibility. Always ensure the expected return outweighs the repayment cost.

Interest on Business Startup Loans

Interest rates on startup loans in the Netherlands vary depending on the loan type, risk profile, and lender. Because startups often lack collateral and revenue history, they usually pay higher interest than established businesses. However, government-backed programs and microloans can offer more favorable terms if you meet the criteria.

Below is an overview of typical interest ranges and cost factors

Loan Type	Interest Rate (Typical)	Rate Type	Secured?	Other Cost Factors
Microloan	6% – 9.75%	Fixed	No	Low admin fees, early repayment possible
Government-backed loan	2% – 7%	Fixed or variable	Partially guaranteed	May include one-time processing fee
Online startup loan	7% – 15%	Fixed	Usually unsecured	Higher rates for fast approval
Equipment financing	4% – 8%	Fixed	Secured by asset	May include insurance or valuation cost
Alternative financing	Varies widely (8% – 20%+)	Varies	Varies	Can include equity or revenue share

Fixed rates provide stability—ideal for startups managing tight budgets. Variable rates may be lower initially but carry uncertainty. Always calculate the APR (annual percentage rate) to see the true cost, including fees.

If you’re applying without revenue or collateral, expect to land in the higher range. Lenders price risk—and startups are high risk by default. Improving your business plan, financial projections, and personal credit can help reduce the rate offered.