CapitalBox

CapitalBox is a fintech lender operating in the Netherlands, offering fast and flexible funding solutions—like business loans, credit lines, and invoice financing—to SMEs. As part of a broader European group, they’ve backed over €300 million and serve thousands of Dutch businesses.

Overview of CapitalBox Business Loan

CapitalBox offers unsecured business loans ranging from €10,000 to €500,000, with the option for larger secured financing up to €1 million. Their platform is designed for established Dutch businesses seeking quick access to capital—often within just one business day.

Pros:

• High loan amounts up to €500,000 without collateral
• Fast approval and payout
• Multiple financing types available
• Tailored to SMEs with consistent turnover

Cons:

• Requires minimum 24 months of business history
• Annual revenue threshold applies
• Loan terms are capped at 36 months
• May require personal guarantee

CapitalBox is ideal for growing companies looking for fast, non-bureaucratic funding without tying up business assets.

What Services Does CapitalBox Offer?

CapitalBox provides tailored financing solutions designed to meet the varied needs of Dutch SMEs. Their primary offerings include term loans, credit lines, and invoice financing—all accessible via an easy online application.

Product	Loan / Limit	Interest Rate	Term	Payout Time	Credit Info	Payment Note
Term Loan	€10,000 – €500,000	Fixed or variable	Up to 36 months	Within 1 business day	24 months trading, bank statements	Fixed monthly repayments, no early fees
Line of Credit	€10,000 – €250,000	Variable	Revolving	Within 1 business day	Bank turnover, cash flow	Interest only on drawn amount, flexible terms
Invoice Financing	Up to €500,000	Percentage of invoice	Up to 90 days	Within 24 hours	B2B invoices, client verification	Pay as invoices are settled
Secured Loan (optional)	€500,000 – €1,000,000	Lower fixed rate	Up to 60 months	Within 2 business days	Property or asset collateral	Reserved for major investments

These products are structured to support SMEs at different stages—whether covering short-term expenses, leveraging unpaid invoices for cash flow, or making larger investments with secured loans.

What Requirements Does CapitalBox Have for Applicants?

CapitalBox targets established Dutch SMEs with a solid business foundation and reliable revenue. Here’s what they typically look for:

• KvK registration with at least 24 months in business
• Minimum annual turnover (usually €48,000 or more)
• Active Dutch business bank account with consistent transaction history
• Valid Dutch ID for directors
• Bank statements covering at least 3–6 months
• No bankruptcy or serious defaults in company or personal history
• Personal guarantee may be required for unsecured loans over certain amounts
• Collateral needed only for larger secured loans (€500,000+)

CapitalBox does not finance startups or pre-revenue companies—loans are reserved for businesses with a track record and regular income.

How Repayment Works with CapitalBox

CapitalBox offers clear and predictable repayment structures based on the loan product:

• Term Loan: Fixed monthly payments including both principal and interest. No early repayment penalties.
• Line of Credit: Interest-only payments on the drawn amount. repay only what you use, when you want.
• Invoice Financing: Fees are deducted automatically as invoices are paid.
• Secured Loan: Fixed monthly repayments over longer terms (up to 60 months), typically with a slightly lower interest rate.

All repayments are automatically withdrawn from your linked business bank account, ensuring convenience and avoiding missed payments.

How to Apply for a CapitalBox Business Loan

Applying through CapitalBox is streamlined and fully digital. Here’s how it works:

1. Select your loan product (term loan, line of credit, invoice financing, or secured loan)
2. Complete a brief online form with business details and requested amount
3. Connect your business bank account via a secure data link for balance and transaction verification
4. Upload supporting documents such as KvK extract, ID, and recent bank statements
5. Submit your application—CapitalBox performs a credit and turnover risk assessment
6. Receive an approval decision within 1 business day
7. Sign your loan agreement digitally and funds are transferred the same or next business day

This efficient process suits businesses that want fast access to funding without visiting a bank.

When Does CapitalBox Payout Business Loans?

CapitalBox prioritizes speed to help SMEs access funds quickly for operational needs. Once your application is approved and the agreement is signed, you can expect fast payouts:

Day	Payout Time
Monday–Friday	Same or next business day
Saturday	Funds released on next business day
Sunday & Holidays	Funds released on next business day

This ensures you can act on opportunities, cover expenses, or manage emergencies promptly after approval.

Customer Service

CapitalBox offers multilingual customer support via phone and email on weekdays. Their team is trained to handle everything from application questions to repayment guidance. A personal account manager is often assigned after approval, offering tailored assistance during your loan term.

Support is available during standard Dutch business hours. The platform also includes an online dashboard where borrowers can track their loan balance, repayment schedule, and payment history in real-time.

Facts About CapitalBox

Field	Details
Company Name	CapitalBox Netherlands
Address	Herengracht 448, 1017 CA Amsterdam, NL
Corporate Number	70106451
Homepage	www.capitalbox.nl
Email	info@capitalbox.nl
Phone	+31 20 808 7304