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OPR Business Credit

OPR-Bedrijfskrediet is offered by OPR-Finance BV, the Dutch branch of the Finnish OPR-Vakuus Oy. With OPR Business Credit you can take out a loan for your company of a minimum of $ 3,000 to a maximum of $ 50,000. In that case, you must count on a maximum term of 12 months, during which you repay in fixed monthly installments. When providing Credit, OPR-Bedrijfskrediet does not require collateral, but that a private person guarantees, or 2 persons for a loan of more than $ 20,000. request is made digitally, including signing the persons who act as guarantor, so that you can quickly obtain a definite answer and have the requested Credit.

Costs of a loan with OPR-Bedrijfskrediet

Credit limit Interest Duration
$ 10,000 On application 6 months
$ 50,000 On application 12 months

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Benefits

  • Credit is easy to apply online.

  • If you submit the application and digital signature of the guarantors before 4 pm, you will receive a credit decision the same day.

  • The repayment period is freely selectable from 1 to 12 months.

  • No collateral is required for Credit with OPR Business Credit.

  • The money is transferred the next working day after the credit decision.

  • Repayment in fixed, monthly installments, up to a maximum term of 12 months.

  • The costs of interest and a fixed credit fee can be viewed easily and clearly with an online calculation tool.

Cons

  • The personal guarantee of 1 or 2 people for a business Credit entails a personal, financial risk.

  • Early repayment is penalty-free, but due to the fixed credit costs, it does not yield any benefit.

  • The fixed credit payment is relatively expensive for low credits.

  • You are responsible for paying the monthly installments on time.

Do you want to know more?

Now go to the SUN website

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Method and conditions

Method

A Business Credit request with OPR business credit is a relatively simple process and can be done completely online. Unlike some other online business credit providers , OPR business credit does require an extra step: a digital signature of the person or persons who guarantee the loan.

An application must be made by someone who is authorized to perform actions for the company. You choose a Credit of $ 3,000 to $ 50,000 and a term of 1 to 12 months. To apply for a loan, OPR-Bedrijfskrediet will always ask you to log in via iDIN with the details of your internet banking, to verify your identity. iDIN has been developed by a number of financial service providers to make online verification easy and secure, and uses the account information from internet banking.

You can guarantee the requested loan yourself, but you can also have another authorized person do this with an invitation by e-mail. This person will then have to accept and also identify himself / herself via iDIN as a digital signature. If you apply for a loan in excess of $ 20,000, OPR Business Credit requires 2 persons to guarantee the Credit. You then enter the e-mail address of the second person, who can then also accept and digitally sign with iDIN.

When your application and the person or persons acting as guarantor have been approved, the requested Credit will be credited to your account the next working day. Repayment is made in fixed monthly installments for which you will receive an invoice.

Requirements

  • Your company must be established in the Netherlands and registered with the Chamber of Commerce.
  • The persons authorized to act for the company are in good standing.
  • Your company must have a good credit history.
  • The person or persons who guarantee the loan must also have a good credit history.

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