Swishfund

Swishfund offers fast and flexible business loans in the Netherlands, targeting entrepreneurs who need funding without the delays of traditional banks. With loans from €5,000 to €500,000 and payout within 24 hours, it’s a solid option for SMEs, ZZP’ers, and other active businesses looking to move quickly.

Overview of Swishfund Business Loan

Swishfund combines fintech speed with human support. The application takes only five minutes, and decisions are made fast thanks to automated checks using your banking data. If approved, the funds are deposited into your account within a day—ideal for time-sensitive investments or working capital needs.

Pros:

• Fast application and approval process
• Payout within 24 hours
• Loans up to €500,000 with terms tailored to business needs
• Requires only basic documentation and banking access

Cons:

• Only available to Dutch-registered companies
• Minimum one year of trading and €50,000 in annual revenue required
• Setup fee applies (min. €650 or 2%)

Swishfund is suitable for established small businesses needing quick access to short or medium-term financing with minimal hassle.

What Services Does Swishfund Offer?

Swishfund focuses on short- to medium-term business loans. These are structured for working capital, investments, or bridging cash flow gaps—without the need for collateral.

Loan Amount	Interest Rate	Term	Payout Time	Credit Info	Payment Notes
€5,000 – €500,000	From approx. 1.5%/month	3 to 24 months	Within 24 hours	Bank transaction history (MT940), Chamber of Commerce number required	Fixed monthly repayments, includes interest, Early repayment possible

The loan is tailored to your business turnover and risk profile. Swishfund uses connected banking data and company registration to evaluate eligibility rapidly.

What Requirements Does Swishfund Have for Applicants?

To qualify for a business loan with Swishfund, your company must meet several clear conditions:

• Chamber of Commerce registration: Your business must be officially registered with the Dutch KvK.
• Business account: You need an active Dutch business bank account.
• Minimum activity: The company must have been operational for at least 12 months.
• Turnover threshold: A minimum annual revenue of €50,000 is required.
• Bank data access: Applicants must upload a recent MT940 file or allow secure banking access to evaluate transaction history.

These criteria ensure that Swishfund can assess creditworthiness quickly and accurately—enabling fast decisions and same-day payouts.

How Does Repayment Work with Swishfund?

Swishfund uses a fixed monthly repayment model, making it easy for businesses to budget. Each payment includes both principal and interest, spread evenly across the selected loan term.

Repayments are made via automatic debit from your business account. The term can range from 3 to 24 months, depending on your preference and the loan amount. You’ll receive a detailed repayment schedule before accepting the offer, and early repayment is possible at any time—without penalty.

This structure gives you full cost transparency from day one, helping you stay in control of your cash flow.

How Do You Apply for a Business Loan from Swishfund?

Applying for a loan through Swishfund takes just a few minutes. The process is digital, secure, and designed for speed.

1. Enter loan details: Choose your desired amount and term.
2. Submit company info: Provide your KvK number and basic contact details.
3. Upload bank data: Use a secure connection or upload an MT940 file from your business account.
4. Receive offer: Swishfund analyzes your data and sends a tailored loan proposal.
5. Sign and receive funds: Accept the offer digitally and get the money in your account—often the same day.

Minimal paperwork is required, and approval typically comes within hours after submitting a complete application.

When Does Swishfund Pay Out Business Loans?

Once your application is approved and the agreement is signed, Swishfund transfers the loan amount within 24 hours to your business bank account. In many cases, this means same-day payout, especially on working days.

Day Applied	Payout Timeframe
Monday–Friday	Same day or next business day
Saturday	Processed Monday morning
Sunday	Processed Monday morning

Fast processing ensures you can act quickly on business opportunities or urgent cash flow needs.

Swishfund Customer Service

Swishfund provides dedicated customer support to help you with loan applications, questions about eligibility, or repayment issues. Their team is available on weekdays from 09:00 to 17:30.

You can reach them by:

• Phone: 085 064 4144
• Email: info@swishfund.nl
• Live chat: Available during business hours on the site

Support is available in Dutch and English, and their team is experienced in assisting small businesses through the full loan process.

Facts About Swishfund

Company Name	Swishfund B.V.
Address	Weesperstraat 61, 1018 VN Amsterdam
Chamber of Commerce	65959383
Homepage	www.swishfund.nl/en/
Email	info@swishfund.nl
Phone	085 064 4144

Swishfund is a registered Dutch SME lender operating since 2016. The company emphasizes speed, clarity, and accessibility for entrepreneurs across the Netherlands.