FINOM review 2026
How good is FINOM really?
76/100 points
kosten.org editorial team
Last updated: 2026-01-19
76/100
Points
Based on published terms and features
FINOM is a Dutch fintech that offers business accounts with an integrated credit line. In our review, we examine the offering for freelancers and SMEs.
Highlights of our FINOM review
- FINOM scores 72/100 points in our review – good for freelancers.
- Credit line of up to €50,000 without collateral.
- Business account with cards included.
- Payout within a few hours.
Table of contents
1 Credit line
19/25
Points
€2,000 to €50,000 as a revolving credit line. You only pay interest on the amount used (1-1.9% a month).
2 Costs
18/30
Points
Interest of 12-22.8% p.a. effective. More expensive than traditional bank loans, but fast and without collateral.
3 Business account
21/25
Points
Free business account included. Physical and virtual cards. SEPA and international transfers.
4 Process
18/20
Points
100% digital application. Decision often within hours. Same-day payout possible.
Pros & cons at a glance
Pros
- Very fast payout
- No collateral needed
- Business account included
- Flexible credit line
Cons
- High interest
- Maximum €50,000
- Short term (6 months)
- Not BaFin-regulated
Conclusion: FINOM review
76/100
Good (2.2)
FINOM is ideal for freelancers and small businesses that need liquidity quickly. For larger loans with low interest, there are better alternatives.
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