For sole traders
Business loan for sole traders — financing for solo entrepreneurs
A sole trader deserves the same treatment as a limited company. Get a business loan for growth, equipment or working capital — without collateral and without bank meetings.
Business loan calculator
Calculate your monthly payment
Move the sliders for a real-time estimate. The final rate depends on your company's financials.
€200,000
€50,000€1,000,000
36 mo
6 mo72 mo
Estimated monthly payment
€6,672
- Interest (from 9.8% + 12-month Euribor)
- 12.30 %
- Activation fee (3%)
- €6,000
- Admin fee, 1st month (0.2%)
- €400
- Repayment period
- 36 mo
- Total payable (estimate)
- €254,015
Early repayment 1.3% of principal. Example uses 12-month Euribor 2.5%.
Benefits of a sole-trader business loan
Designed for sole traders and light entrepreneurs
€5,000 – €100,000 financing
Only 6 months of trading required
Decision in 24 hours, money in 1–3 days
No hidden setup fees
Flexible instalment-free periods for seasonal work
Is a sole-trader business loan your choice?
Right for you if…
- You operate as a sole trader or light entrepreneur
- Trading for at least 6 months
- You need money for equipment, stock or working capital
- You want to avoid the bank's long process
May not fit if…
- You're only just starting out
- You need more than €100,000 — consider forming a limited company
- Annual turnover is below €20,000
FAQ
Frequently asked questions
Business loan application
Apply for a sole-trader business loan
We usually get back to you the same business day. Submitting is non-binding.
See also: Business loan · Unsecured · Invoice financing