BridgeFund
BridgeFund Business Loan
- Loans from €5,000 to €250,000
- No collateral or paperwork required (up to €100,000)
- Payout: Depends on the application, can be within a day
- For Dutch SMEs (€50,000+ annual turnover)
| Loan Amount: | €5,000 – €250,000 |
| Interest Rate: | Fixed individually based on the loan amount, duration and company risk profile (no standard range). |
| Payout Time: | Usually within 1 working day |
| Repayment Term: | 6, 12, 24 and 36 months |
BridgeFund is a Dutch business finance provider offering two types of funding for small and medium-sized enterprises (SMEs): a business loan and a business credit line. BridgeFund focuses on established companies with steady turnover that need extra liquidity for growth, investments or temporary cash flow challenges
Overview of BridgeFund business finance
BridgeFund provides business loans and credit lines for Dutch SMEs. With a fully automated online process, no collateral requirement. Loan amounts range from €5,000 to €250,000, depending on turnover and financial stability
Pros:
- Fast, fully digital application and payout
- Transparent pricing
- Early repayment always penalty-free
Cons:
- Not available for pre-revenue companies
- Maximum financing amount: €250,000
- Interest rate varies per individual risk profile, can be high on high risk profile
What Services Does BridgeFund Offer?
BridgeFund provides two types of business financing tailored to Dutch SMEs with consistent turnover and bank activity.
| Loan Product | Loan Amount | Fee Structure | Term | Payout Time | Credit Assessment | Repayment |
|---|---|---|---|---|---|---|
| Business Loan | €5,000 – €250,000 | Fixed interest rate based on company risk profile, no hidden fees | 6, 12, 24, 36 months | Usually within 1 working day | Automated via open banking (turnover and cash flow) | Fixed weekly or monthly instalments |
| Business Credit Line | €5,000 – €250,000 | Daily interest charged only on the amount used, no setup or service fees | 36 months | Withdrawals within 2 working days | Automated via open banking (turnover and consistency) | Each withdrawal repaid over 36 months |
- Business Loan: Suitable for one-off investments, inventory or growth-related expenses. Fixed repayments and interest throughout the term.
- Business Credit Line: Suitable for ongoing liquidity or short-term cash flow peaks. Flexible withdrawals within the credit limit and penalty-free repayment.
What Requirements Does BridgeFund Have for Applicants?
To qualify for a BridgeFund business loan or credit line, you need:
- A Dutch-registered company (KvK number required)
- At least 6 months of trading history
- An annual turnover of at least €50,000
- Consistent turnover and active business transactions
- A valid Dutch business bank account
- A positive cash flow and financial stability
Additional details:
- Applications are reviewed automatically using secure open banking technology, which gives temporary, encrypted access to your business bank data.
- No collateral is required.
- BridgeFund does not finance pre-revenue companies or startups without income.
- BridgeFund focuses on established SMEs that want quick, digital and transparent access to working capital, without unnecessary paperwork.
How Repayment Works with BridgeFund
BridgeFund two repayment schemas for the two different products.
For Business Loans
Repayments are made in fixed weekly or monthly installments. Each payment includes a portion of the principal and a portion of interest. The principal part stays the same throughout the term, while the interest portion gradually decreases. There are no setup fees, service fees or penalties for early repayment. If you repay early, you receive a discount on the remaining interest according to BridgeFund’s current policy.
For Business Credit Lines
Each withdrawal is automatically repaid over 36 months through fixed installments that include both principal and interest. As repayments are made, the available credit limit automatically increases again, giving you flexible access to funds whenever needed. Interest is only charged on the amount actually drawn and is calculated daily. Early repayment is always penalty-free.
All repayments are collected automatically from your business bank account, either weekly or monthly, depending on the agreement made when signing the contract.
How Do You Apply for a BridgeFund Business Loan?
Applying with BridgeFund is fast, digital and straightforward. The entire process only takes a few minutes and can be completed entirely online.
Step 1 – Complete the short application form
Fill in your company details, desired amount and preferred term on www.bridgefund.nl.
Step 2 – Connect your business bank account
BridgeFund uses secure open banking technology to review your transaction history and assess your turnover automatically. This connection is temporary, encrypted and GDPR-compliant.
Step 3 – Receive a credit decision
After the automated assessment, you will receive a tailored offer within hours. In some cases, BridgeFund may request additional documents such as a recent VAT return or balance sheet overview for loans above €100,000.
Step 4 – Sign digitally and receive your funds
Once you approve and sign the agreement digitally, the direct debit needs to be set up. Depending on your bank this can be fast or take a few days. Also your digital ID needs to be verified. Once those checks are done, the funds are usually transferred to your business bank account within one working day
When Does BridgeFund Payout Business Loans?
BridgeFund prioritises speed and reliability in its financing process. Once your application has been approved and the agreement is digitally signed, funds are transferred quickly to your business account.
Standard payout times:
- Weekdays (Mon–Fri): Funds deposited on the same day
- Saturdays: Disbursed the next business day
- Sundays & Holidays: Disbursed on the next working day
| Day | Payout Time |
|---|---|
| Monday–Friday | Usually within one working day after signing |
| Saturday | Processed on the next business day |
| Sunday and public holidays | Processed on the next business day |
BridgeFund’s digital process ensures that most entrepreneurs receive their financing within 24 hours of approval, depending on bank processing times.
Customer Service
You can reach the team during business hours by email, phone or through the online contact form. Most inquiries are answered within one working day.
Facts About BridgeFund
| Field | Details |
|---|---|
| Company Name | BridgeFund B.V. |
| Address | Naritaweg 150D, 1043 BP Amsterdam, Netherlands |
| Corporate Number | 58396694 |
| Homepage | www.bridgefund.nl |
| info@bridgefund.nl | |
| Phone | +31 20 760 9200 |
FAQ
Frequently Asked Questions
BridgeFund only finances established businesses that have been trading for at least six months and meet the additional eligibility criteria. To be eligible, your company must be registered with the Dutch Chamber of Commerce (KvK), have a minimum annual turnover of €50,000, show consistent business activity and hold a valid Dutch business bank account
No, but sometimes a lien deed or private surety is required.
Yes. Early repayment is always possible without penalty. When you repay early, you receive a discount on the remaining interest according to BridgeFund’s current policy. This gives you the flexibility to reduce your total financing costs if your business performs better than expected.