Being able to quickly
dispose of money

Direct Lending

Fast cash loans without a bank, no or little collateral and often flexible repayment options. That's Direct Lending. Attractive features that appeal to many entrepreneurs. Especially since bank procedures have only become more bureaucratic and banks are increasingly reluctant to lend money. Direct Lending is a serious alternative and may be the alternative financing form that suits you.

What is Direct Lending?

Direct Lending is borrowing money without the intervention of a bank. Lenders provide loans directly to businesses.

Lending to businesses was the exclusive domain of banks for many years. Read here More on how Direct Lending came to be as a form of financing.

Terms and conditions Direct Lending

The exact terms are different with all parties. Broadly speaking, these are the most common conditions:

The company must have been in existence for at least two years; for some forms such as overdrafts, this is often three years.
Operating profit must be positive in the last as well as the current year.
Company turnover from €500,000.
Interest rates starting from 6%, rising to 9%.
Suitable for investment, growth, real estate and sometimes acquisitions.

What are the benefits of Direct Lending?

Why do entrepreneurs prefer Direct Lending to other forms of (non-bank) finance? In our view, these are the advantages:

You can borrow money quickly for your business thanks to efficiently designed processes. Sometimes the money is available to you within just one or a few weeks.
Direct Lenders require no or little collateral. As a result, this form of financing can also be used alongside existing bank financing.
With Direct Lending, there is often the option to redeem without penalty after a short period or, for example, to withdraw the redeemed part again.
You have little to no red tape.
You do not need to attract an investor for further growth and therefore retain full control of your business.

Added value Xolv Finance

Direct Lending financing requires solid knowledge of the market. We know better than anyone what the possibilities are, what the lenders' conditions are and how to write an application in such a way that the lender can quickly make an offer.

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Being able to quickly dispose of money