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Borrowing without annual figures

Taking out a business loan is often not something you can do just like that. Providers often want to know who they are dealing with in order to be sure that you have the option to repay the borrowed money in the long run. Financing parties therefore often ask for your annual figures. But what if you do not have annual figures, because your company has not been around for a year, for example? How can you still take out a loan?

Taking out a business loan

If you want to take out a business loan, you can do this with various providers. For example, there are banks or financing parties that you can turn to. Each party applies different rules when providing a business loan. After all, it is not only a risk for you as an entrepreneur, the other side of the table also has a risk in providing a business loan. Not everyone can take out a business loan just like that, there are a number of conditions that you must meet. For example, it is first of all important that you do not have a backlog coding at the Credit Registration Office , or the BCR. It is also important that the company for which you want to apply for a business loan is registered with the Chamber of Commerce. In addition, many lenders want to know the reason for the request for a business loan.

Business loans without annual figures

Another point that many financing parties ask about is your annual figures. However, in some cases it can happen that you do not have annual figures ready, for example when your company has not been around for that long. You cannot request a business loan from a number of financing parties, but this is the case with other parties. If you want to know which financing parties you can turn to for borrowing money without annual figures, we recommend that you use our comparison tool. By ticking the option 'I want to borrow without annual figures', the parties will appear where you can go for borrowing without annual figures. Always take a good look at what the conditions are, to be sure that you can actually go to this party for taking out a loan without annual figures.

Assessment based on the cash flow

If you want to borrow without annual figures, this does not mean that you do not have to demonstrate any figures at all. Often times, a financing party assesses whether you qualify for it on your cash flow. Make sure that you have a minimum amount of turnover when you want to take out a loan. This is often communicated with the conditions. So always check in advance whether your company meets the conditions of the financing party.

Where can you go?

There are various parties you can turn to for borrowing without annual figures. A well-known financing party where you can go for borrowing without annual figures is BridgeFund. BrideFund does not assess you based on your annual figures or business plans , but assesses your application based on your cash flow. You can arrange the closing completely online and you do not have to meet with someone on location. You can contact this party if you want to take out a loan quickly. Always be aware that you do not want to take out a loan too quickly. Always ask yourself how much money you will need to realize your dreams and what duration you prefer.


There are several advantages to borrowing business money without annual figures. For example, if you recently started a business, you will of course not have annual figures to show. If you knock on the door of a party where you do not have to show your annual figures, you may still be eligible to borrow money. Money with which you can do beautiful things, such as purchasing machines, materials and business assets. After all, you need this to be able to grow and to make a profit. For this reason, it is a great opportunity, especially for starters , to make a company successful.

Business loan risks

Do not forget that there are always risks associated with taking out a business loan. If you have not been running your own business for a long time, it is a good idea to first find out carefully to what extent there is a chance that you will not be able to repay the money. After all, borrowing money always costs money and you will always have to pay back the borrowed amount in the long run. Are you almost certain that you have a good plan in place and that your business can be a success? Then you can take out a loan with confidence. Be aware that it can turn out differently for any reason. So there is always a risk.

You may also have private debts or financial obligations, for example. If you are unable to repay your loan, your private assets and belongings are often called upon. Have you received a loan without BCR testing? And it turns out that you are unable to meet your repayment obligations? Then keep in mind that this can have very unpleasant consequences. Consider, for example, the forced sale of movable and immovable property. So always think carefully before entering into a loan agreement for your business.

When will I receive my loan amount?

If you choose a provider where you do not have to show annual figures, this does not mean that you will receive your money sooner because you do not have to demonstrate your figures first. For example, you often have to look at your cash flow first. There is usually no difference in how quickly you receive your borrowed money. It just depends on which provider you turn to. If you submit an application to a bank or financing party, it is usually assessed within a day or at most a few days. Has this application been approved? Then in most cases you can receive the amount you requested within 24 hours. Please note that this is not always the case: sometimes a provider wants to receive even more information.

What do you have to pay attention to?

Would you also like to take out a business loan without annual figures? We have a number of tips for you to make finding a suitable loan a lot easier:

1. You therefore want to take out a business loan without annual figures. Please note that you cannot go to every party. If you want to quickly see which parties may want to provide a loan, we recommend that you use our handy filter option. So indicate that you are specifically looking for a financing party that does not require you to show your annual figures. This saves a lot of research.

  1. What is the reason for borrowing money? Make a plan. What exactly do you want with the money and with what amount can you realize your plan? This way you ensure that you do not borrow too much money. After all, you also have to pay back all the money you borrow with interest. That is why we certainly recommend that you choose a loan that actually meets your needs. It can help to request quotes in advance so that you can see how much money you need to set aside. The longer the interest, the better. But is this always the case? Always pay close attention to the terms and conditions of a provider. For example, a provider may indicate that you can go there for a very low interest rate, but this can always be a temporary offer that you may only be able to take advantage of for a short while. What time do you need to recoup the money? Make an estimate and possibly start a conversation with an advisor. This way you can better determine the term of the loan. Always make good agreements with the financier.
  2. It is important to pay close attention to the penalty clause . This is an additional incentive that allows you as an entrepreneur to keep to the agreements to repay the borrowed money. Failure to keep an appointment results in a fine. For example, if you want to make early repayments, it is nice that as few costs as possible are charged for this. This can save a lot of money.
  3. Borrowing money remains a risk at all times. After all, you never know how it will turn out. Nevertheless, it is important that you are as sure as possible of your case.

Which provider is right for you?

If you are looking for a party that you can turn to for taking out a business loan, then of course you also have a number of requirements. Nowadays there are so many parties that you can choose from a huge number of providers. Write down for yourself what you are looking for in a financing party, so that you can see the forest for the trees earlier. Use the handy search option via our website. Indicate what approximate amount you want to pay for a loan and what the duration is. Enter the duration and indicate that you want to borrow without annual figures. Did you do this? Then the providers will appear that match your wishes. Please note that the party with the lowest interest is not always the best for you. So always read the conditions carefully, so that you can be sure of what to expect.

Conclude a contract

Have you found a party that meets your conditions? Then you will be redirected via our website to the website of the provider. You can therefore take out the loan directly. We are not an intermediary, just a party that puts the different providers side by side. Before signing a contract, it is a good idea to check your details carefully. Is your company name correct? Is the amount you want to borrow correctly on paper? Has the correct term been communicated? Is the interest rate correct? Check, check, double check.

Once you have checked everything and submitted your application, it differs per party how quickly you receive a response. One party strives to process your application within 24 hours, while this may take longer for another. Always keep in mind that receiving the money can always be delayed for certain reasons. It is possible that a financier still needs certain papers from you, which can delay the process. Are you not quite sure or do you have certain questions about taking out a business loan without annual figures? Then contact the financing party and the specialists will help you further, so that you know exactly what to expect.


But what exactly is our job? Especially for you, we put the various parties side by side, so that you have a clear overview of which different parties best meet your requirements and wishes. We are an independent party and only list the facts for you. Always keep in mind that interest rates and conditions can change. That is why we keep a close eye on these changes.


Taking out a business loan without annual figures, that can be a thing. It can be difficult to find a party that actually meets your requirements and wishes and therefore it can help to use our search function. We always try to put the information on paper as clearly as possible, so that you immediately see broadly what you can expect from a party. Make sure that you always carefully read the conditions of a provider. You can read all the details via the party's website. In addition, it is always good to check the website for the interest rate. This way you will not be faced with surprises. Taking out a business loan is not something you do every day and you are often stuck with it for a longer period of time. So always pay close attention to what you are doing, possibly call in an advisor and look at the various options together. In this way you will not be faced with surprises and you know exactly where you stand.


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