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Veel groeiende bedrijven komen in de problemen door onvoldoende werkkapitaal. \n\nIn dit artikel ontdek je hoe je ervoor zorgt dat jouw werkkapitaal gezond blijft, welke strategieën je kunt toepassen en welke financieringsopties er beschikbaar zijn als je extra financiële ruimte nodig hebt.","ondernemerstips",{"url":916},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F52AOzBr9qMI1FR1VlkiDUj\u002Fdd708c7e7918dd2101108e3d0b3043ba\u002Fcoverimage-financieren-do2.jpg",{"url":916,"description":918},"",{"name":920,"url":918},"ABN AMRO",{"items":922},[923,929,935,940,945,950,955,961,968],{"sys":924,"name":926,"value":927,"type":928,"filterParameter":8},{"id":925},"vZrwK4AeuCTUyoYZEdftQ","Groei","groei","content-type",{"sys":930,"name":932,"value":933,"type":934,"filterParameter":8},{"id":931},"2YiaNPPr85KJMbtSQA8QoG","ZZP","zzp","segment",{"sys":936,"name":938,"value":939,"type":934,"filterParameter":8},{"id":937},"61Gi5pguxq85hO9t00nZ0a","Micro","micro",{"sys":941,"name":943,"value":944,"type":934,"filterParameter":8},{"id":942},"7LK9UKlaESFUwKs5gFFYwE","Small","small",{"sys":946,"name":948,"value":949,"type":934,"filterParameter":8},{"id":947},"5vhowldlQuufTQPFCD7sjT","Mid","mid",{"sys":951,"name":953,"value":954,"type":934,"filterParameter":8},{"id":952},"1C50brVGTKUPI8PfvTy2YJ","Large","large",{"sys":956,"name":17,"value":958,"type":959,"filterParameter":960},{"id":957},"7fnu1aVqUqze904das0tqW","financieel","category","category_financieel",{"sys":962,"name":964,"value":965,"type":966,"filterParameter":967},{"id":963},"4Rr6Jdnu1aOZWYgfcW6nXW","Werkkapitaal","werkkapitaal","topic","category_financieel:topic_werkkapitaal",{"sys":969,"name":971,"value":972,"type":966,"filterParameter":973},{"id":970},"73wZtYWZxhBUV4T4gif2sa","Zakelijke lening","zakelijke-lening","category_financieel:topic_zakelijke-lening",{"items":975},[976,983],{"sys":977,"name":979,"sector":980,"aboutText":8,"url":8,"image":981},{"id":978},"3c7hFxsERjWIBaScb9136J","Robbert Bruin","Financing",{"url":982,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F5EQFjBQ94ZKOzWory7fglM\u002F7981e09d6639ca9122f54db8d6d0c9d7\u002Fcb89ea7b-18f7-4930-8c22-2f380c21c7cf.jpg",{"sys":984,"name":986,"sector":8,"aboutText":8,"url":8,"image":987},{"id":985},"3Xy2SYlIh4jFIb2ZicT5gV","Maarten van de Vijver",{"url":988,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F2jsfop7yT2nSDhghzBPsFu\u002Fd4a18d6053d33c5f5ea4ad044547f2e2\u002F8d4da6bf-b634-4a66-aff6-7db1670b6378.jpg",{"slug":93,"pageName":94,"parentPage":990},{"slug":42,"pageName":43},{"items":992},[993,1001,1009,1017,1025,1039,1047,1055,1063,1071,1079],{"__typename":994,"sys":995,"linksCollection":997,"name":999,"variant":27,"header":8,"body":8,"image":1000},"ArticleParagraph",{"id":996},"5TT3gk3U0TdbSlsNnRcF3w",{"items":998},[],"Image - Header - Werkkapitaal DO",{"url":916,"description":918},{"__typename":994,"sys":1002,"linksCollection":1004,"image":8,"name":1006,"variant":8,"header":1007,"body":1008},{"id":1003},"4GqXWFOk70ZObj5f3No7HY",{"items":1005},[],"Financieren - Werkkapitaal DO 1.1 | Waarom werkkapitaal zo belangrijk is ","Waarom werkkapitaal zo belangrijk is ","## Waarom werkkapitaal zo belangrijk is \n### Een goede buffer geeft ademruimte \nAls ondernemer weet je dat geld soms moet rollen - maar het liefst twee kanten op. Door te zorgen dat er meer binnenkomt dan uitgaat, creëer je [financiële ademruimte](\u002Fhulpmiddelen-en-diensten\u002Fgroeikapitaal-berekenen\u002F). Deze financiële reserve is essentieel voor een soepel draaiend bedrijf. Je gebruikt het om nieuwe voorraad aan te schaffen, late betalingen op te vangen, seizoensschommelingen te overbruggen en om [voorbereid te zijn op onverwachte uitgaven](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fflexibel-financieren-laat-geen-kansen-uit-de-markt-liggen). \n\nHet [CBS geeft aan](https:\u002F\u002Fwww.cbs.nl\u002Fnl-nl\u002Flongread\u002Faanvullende-statistische-diensten\u002F2025\u002Ffinancieringsmonitor-2024) dat ongeveer 35% van de snelgroeiende bedrijven in de problemen komt door onvoldoende werkkapitaal. Terwijl juist in een groeifase die financiële ademruimte zo cruciaal is. Bedrijven die hun [werkkapitaal goed op orde hebben](\u002Fhulpmiddelen-en-diensten\u002Fgroeikapitaal-berekenen\u002F), creëren gemiddeld meer groeiruimte. Je zorgt ervoor dat je klaar bent om op kansen in te spelen. \n\nLaten we kijken hoe jij ervoor zorgt dat je bij de groep bedrijven hoort die wél gezond door kan groeien. \n",{"__typename":994,"sys":1010,"linksCollection":1012,"image":8,"name":1014,"variant":8,"header":1015,"body":1016},{"id":1011},"CbgRxD7nMCNZrb18lfY4c",{"items":1013},[],"Financieren - Werkkapitaal DO 1.2 | Praktische strategieën voor gezond werkkapitaal ","Praktische strategieën voor gezond werkkapitaal","## Praktische strategieën voor gezond werkkapitaal\n### Optimaliseer je betalingscyclus \nDe snelheid waarmee geld je bedrijf in- en uitstroomt, is cruciaal. Verstuur facturen direct na levering van producten of diensten. Overweeg een kleine korting voor klanten die snel betalen - een investering die zich terugverdient in verbeterde cashflow. Zet een geautomatiseerd systeem op voor betaalherinneringen, en maak duidelijk wat je betalingsvoorwaarden zijn bij het begin van elke zakelijke relatie. \n\nOngeveer [13% van de ondernemers](https:\u002F\u002Fproduction-site-nl.kvk.bloomreach.cloud\u002Fbinaries\u002Fcontent\u002Fassets\u002Fkvkwebsite-nl\u002Fcategorie\u002Fonderzoeken\u002Fkvk_onderzoeksrapport_ondernemen_in_2024.pdf) heeft te maken heeft met klanten die niet betalen voor geleverde producten of diensten. Een derde van deze ondernemers geeft aan dat ze maatregelen hebben getroffen om dit risico te beperken. \n\nAls jij een zakelijke webshop hebt kun je kijken naar een oplossing zoals [Achteraf betalen](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fhulpmiddelen-en-diensten\u002Fachteraf-betalen\u002F). Zo zorg je ervoor dat je direct uitbetaald krijgt na verzending van de order. Ideaal om het gat in je cashflow tussen levering en betaling te dichten.  \n\n### Beheers je voorraad slim \nVoorraad is bevroren kapitaal; geld dat je niet kunt gebruiken tot het verkoopt. Implementeer voorraadbeheersystemen die je inzicht geven in wat er precies in je magazijn ligt. Onderhandel met leveranciers over just-in-time leveringen, zodat je spullen pas binnenkrijgt wanneer je ze nodig hebt.  \nEvalueer regelmatig wat snel verkoopt en wat blijft liggen, en pas je inkoopbeleid daarop aan. Zo zorg je ervoor dat de hoeveelheid voorraad die in jouw magazijn ligt optimaal is. \n\n### Denk vooruit met cashflowplanning \nAnticiperen is beter dan reageren. Maak een gedetailleerde planning van verwachte inkomsten en uitgaven voor minstens de komende zes maanden. Houd rekening met seizoenspatronen [in je branche](https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Finsights\u002Fsectoren-en-trends\u002Findex.html) en bouw bewust een financiële buffer op voor minder drukke periodes.  \n\nMaak er een gewoonte van om wekelijks of maandelijks je financiële positie te evalueren, een simpele check kan grote problemen voorkomen ([een liquiditeitsbegroting](https:\u002F\u002Fassets.abnamro.com\u002Fapi\u002Fpublic\u002Fcontent\u002Fliquiditeitsbegroting-abn-amro.pdf) kan hier handig zijn). \n",{"__typename":994,"sys":1018,"linksCollection":1020,"image":8,"name":1022,"variant":8,"header":1023,"body":1024},{"id":1019},"3DZRbEyHG1TCi4mFnvBHVU",{"items":1021},[],"Financieren - Werkkapitaal DO 1.3 | Flexibele financieringsoplossingen voor werkkapitaal","Flexibele financieringsoplossingen voor werkkapitaal","## Flexibele financieringsoplossingen voor werkkapitaal\nZelfs met de beste planning komen er momenten dat je extra financiële ruimte nodig hebt. Op die momenten kan een flexibele financieringsvorm uitkomst bieden. Er zijn verschillende opties waarbij flexibiliteit voorop staat, maar een zakelijk krediet is vaak de beste.  \n\nHiermee kun je flexibel geld opnemen en aflossen wanneer dat nodig is, en je betaalt alleen rente over het opgenomen bedrag. \n\nEen zakelijk krediet kun je zowel via [New10](https:\u002F\u002Fnew10.com\u002Fzakelijk-krediet-video?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog) als bij [ABN AMRO](https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fproducten\u002Ffinancieren\u002Fzakelijk-krediet\u002Findex.html) afsluiten. De voorwaarden zijn als volgt: \n\n#### New10 \n- Kredietbedrag: van € 20.000 – 500.000 \n- Looptijd: 36 maanden (met mogelijkheid tot verlenging) \n- Rentepercentage: varieert, bekijk [de website](https:\u002F\u002Fnew10.com\u002Frente?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog). \n- Servicekosten: maximaal 0,2% per maand over het totale kredietbedrag \n- Aflossing: vanaf 1,5% per maand van het opgenomen bedrag \n\n#### ABN AMRO: \n- Kredietbedrag: vanaf € 250.000 \n- Looptijd: onbeperkt, tenzij anders overeengekomen \n- Rentepercentage: op aanvraag. \n- Servicekosten: maximaal 0,2% per maand over het totale kredietbedrag \n- Aflossing: geen verplichte aflossing \n\nJe betaalt alleen rente over het bedrag dat je daadwerkelijk opneemt. Aflossen kan op elk moment kosteloos, en afgeloste bedragen zijn direct weer beschikbaar binnen je limiet.  \n\n__Let op:__ bovenstaande voorwaarden zijn ten tijde van schrijven. Deze kunnen ten alle tijden veranderen. Bezoek de websites voor actuele voorwaarden. \n\n### Voor wie is een zakelijk krediet geschikt? \nEen zakelijk krediet past uitstekend bij bedrijven met seizoensgebonden schommelingen, variërende ordergroottes, of een behoefte aan voorraadfinanciering. Het is als een financiële paraplu: je gebruikt hem alleen als het regent, maar bent altijd voorbereid. \nDus heeft jouw bedrijf met dit soort schommelingen te maken, of ben je simpelweg op zoek naar een extra potje wat je in kunt zetten op de juiste momenten? Dan is een zakelijk krediet een uitstekende optie. \n\n[Onderzoek van PWC](https:\u002F\u002Fopen.overheid.nl\u002Fdocumenten\u002F6319defc-d3d8-48a6-9e52-54c5a1ccf23b\u002Ffile) in 2024 toonde aan dat er verschillende financieringsopties beschikbaar zijn, maar vooral kleinere bedrijven moeite hebben met het verkrijgen van financiering. Meer over financieringen als klein bedrijf vind je [hier](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fslimme-financieringen-voor-jouw-groeiambities-als-klein-groeiend-bedrijf).  \n",{"__typename":1026,"sys":1027,"image":8,"type":1029,"variant":27,"title":8,"subtitle":1030,"body":8,"primaryLink":1031},"Name",{"id":1028},"3iOZO4p2mDvqKGbLeDc46S","sales","Haal het meeste uit je financieringsaanvraag. Wij helpen je stapsgewijs de juiste voorbereidingen te treffen",{"asset":8,"leadingIcon":8,"icon":27,"iconPosition":1032,"externalUrl":8,"internalUrl":8,"type":1033,"name":1034,"label":1035,"title":8,"theme":8,"linkedPage":1036},"end","internal","In blog - fin voorbereiden","Download je stappenplan",{"slug":64,"parentPage":1037},{"slug":67,"parentPage":1038},{"slug":42},{"__typename":994,"sys":1040,"linksCollection":1042,"image":8,"name":1044,"variant":8,"header":1045,"body":1046},{"id":1041},"75UEhCRJpR40G1niMTXaHW",{"items":1043},[],"Financieren - Werkkapitaal DO 1.4 | Een zakelijke lening voor langetermijninvesteringen ","Een zakelijke lening voor langetermijninvesteringen","## Een zakelijke lening voor langetermijninvesteringen\n### Vaste structuur, duidelijke afspraken \nEen zakelijke lening is meer geschikt voor langetermijninvesteringen in een gestaag groeiend bedrijf, of wanneer je precies weet welk bedrag je nodig hebt. Het verschil met een zakelijk krediet is dat je bij een lening het geld in één keer ontvangt en volgens een vast schema terugbetaalt. \n\nAls je meer wilt weten over zakelijke leningen, lees dan ook het artikel \"[Zet de volgende stap in jouw groei met een zakelijke lening](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fzet-de-volgende-stap-in-jouw-groei-met-een-zakelijke-lening)\". \n",{"__typename":994,"sys":1048,"linksCollection":1050,"image":8,"name":1052,"variant":8,"header":1053,"body":1054},{"id":1049},"2smWUiCLpIkDeSwKvWLJCC",{"items":1051},[],"Financieren - Werkkapitaal DO 1.5 | Lease als alternatief voor bedrijfsmiddelen ","Lease als alternatief voor bedrijfsmiddelen","## Lease als alternatief voor bedrijfsmiddelen\n### Houd je werkkapitaal intact \nVoor machines en apparatuur kan lease een intelligente keuze zijn die je werkkapitaal intact houdt. Volgens PwC is flexibiliteit steeds belangrijker in contracten, wat ook geldt voor leaseconstructies. Er zijn twee mogelijkheden wanneer je gaat leasen: \n\n#### 1. Financial lease: \n- Je financiert tot 100% van de aanschafwaarde \n- Looptijd wordt afgestemd op de economische levensduur \n- Vaste rente gedurende de gehele periode \n- Na afloop kun je het object overnemen tegen een vooraf afgesproken restwaarde \n\n#### 2. Operational lease: \n- De nadruk ligt op gebruik, niet op bezit \n- Onderhoud is inbegrepen in je maandelijkse termijn \n- Het object blijft eigendom van de bank \n- Je kunt relatief eenvoudig wisselen naar nieuwere modellen \n",{"__typename":994,"sys":1056,"linksCollection":1058,"image":8,"name":1060,"variant":8,"header":1061,"body":1062},{"id":1057},"5NjazrGaHlchMLfpsqMTjq",{"items":1059},[],"Financieren - Werkkapitaal DO 1.6 | Welke financiering past bij jouw situatie? ","Welke financiering past bij jouw situatie?","## Welke financiering past bij jouw situatie?\n### Maak een weloverwogen keuze \nDe ideale financieringsoplossing hangt af van je specifieke behoeften en bedrijfssituatie. Houd rekening met het volgende: \n- Een zakelijk krediet past goed bij bedrijven met schommelende liquiditeitsbehoeften \n- Een zakelijke lening is geschikt voor eenmalige, grote investeringen \n- Lease is aantrekkelijk voor bedrijfsmiddelen die regelmatig vernieuwd moeten worden \n\nOnze expert op het gebied van financieren neemt je in [dit filmpje](https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fspeciaal-voor\u002Fgroeiende-ondernemer\u002Ffinancieren\u002Ffinancieringsvormen.html) mee in de opties. Of kijk direct of je in aanmerking komt voor [een kort 15-minuten gesprek met een adviseur](\u002Ffinanciering-aanvragen). \n",{"__typename":994,"sys":1064,"linksCollection":1066,"image":8,"name":1068,"variant":8,"header":1069,"body":1070},{"id":1065},"6IKA2PncxLaiqmXWKOP7Hc",{"items":1067},[],"Financieren - Werkkapitaal DO 1.7 | Voorwaarden en voorbereiding ","Voorwaarden en voorbereiding","## Voorwaarden en voorbereiding\n### Bereid je goed voor op je aanvraag \nNatuurlijk zijn er bepaalde eisen om in aanmerking te komen voor de financieringsproducten. Voor een zakelijk krediet of lening moet je bijvoorbeeld: \n- Minimaal 15 maanden ingeschreven staan bij KVK \n- Een positief eigen vermogen en winstgevendheid hebben \n- Een minimale jaaromzet van €50.000 hebben \n- Niet actief zijn in uitgesloten branches \n\nDe bovenstaande voorwaarden kunnen veranderen. Raadpleeg altijd de website voor actuele voorwaarden. Bereid je aanvraag grondig voor door deze documenten te verzamelen: \n- Je meest recente jaarrekeningen \n- Bankafschriften van de afgelopen maanden \n- Een toekomstvisie \n- Een concreet plan voor de besteding van de financiering \n\nEen goede voorbereiding vergroot je kans op succes aanzienlijk. Uit het KVK-rapport \"Ondernemen in 2024\" blijkt dat een gebrek aan inzicht in de financieringsmogelijkheden en onduidelijke eisen rond de aanvraag belangrijke obstakels zijn voor ondernemers. \n\nDoor alvast een [Business Model Canvas](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fdownload-groei-businessmodelcanvas\u002F) in te vullen krijg je alles helder op 1 A4’tje. \n",{"__typename":994,"sys":1072,"linksCollection":1074,"image":8,"name":1076,"variant":8,"header":1077,"body":1078},{"id":1073},"3GBi60Vl2ax2UGXvXIWVFP",{"items":1075},[],"Financieren - Werkkapitaal DO 1.8 | Begin vandaag nog met verbetering ","Begin vandaag nog met verbetering ","## Begin vandaag nog met verbetering \nEen slimme eerste stap is het uitvoeren van een [werkkapitaalscan](\u002Fhulpmiddelen-en-diensten\u002Fgroeikapitaal-berekenen\u002F). Deze geeft je direct inzicht in de gezondheid van je financiële buffer, identificeert verbeterpunten en helpt bij het bepalen van de meest geschikte oplossing. \n\nWant uiteindelijk is gezond werkkapitaal meer dan alleen een financieel begrip - het is de manier hoe jij zorgt dat jouw onderneming klaar staat om in te spelen op belangrijke kansen. ",{"__typename":1026,"sys":1080,"image":8,"type":1029,"variant":1082,"title":8,"subtitle":1083,"body":8,"primaryLink":1084},{"id":1081},"2K8owgnCF4GChBZwSg2SbO","highlight","Voor groei is werkkapitaal essentieel. Bereken hier direct hoe jij ervoor staat.",{"asset":8,"leadingIcon":8,"icon":27,"iconPosition":1032,"externalUrl":8,"internalUrl":8,"type":1033,"name":1085,"label":1086,"title":8,"theme":8,"linkedPage":1087},"In blog - Werkkapitaal calc","Ga naar de calculator",{"slug":73,"parentPage":1088},{"slug":39,"parentPage":1089},{"slug":42},{"items":1091},[1092,1104,1128,1136],{"__typename":1093,"sys":1094,"cardsCollection":1096,"textAnimation":8,"type":1098,"title":1099,"subtitle":8,"anchorName":8,"tagsCollection":1100},"CompCardWrapper",{"id":1095},"5Z2XJh4BCwmaUXRAmjNMjM",{"items":1097},[],"filterable-article-previews-wrapper","Bekijk onze meest recente groeifinanciering artikelen",{"items":1101},[1102],{"sys":1103,"name":17,"value":958,"type":959,"filterParameter":960},{"id":957},{"__typename":1093,"sys":1105,"tagsCollection":1107,"textAnimation":8,"type":1109,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1110},{"id":1106},"2OUEiZaVbOBDZnp5yw7iLu",{"items":1108},[],"anchor-wrapper",{"items":1111},[1112],{"__typename":1026,"sys":1113,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1115,"alignment":1116,"title":1117,"subtitle":8,"body":1118,"trackingComponentName":1119,"videoControls":8,"optionalVideoExtras":8,"image":1120,"primaryLink":1122},{"id":1114},"KDZmI5mkLvOvogEgH7N29","anchor","align-right","Behoefte aan een ervaren ondernemer om even te sparren?","Krijg toegang tot een netwerk van 500+ ervaren ondernemers. Via 1-op-1 begeleiding kun je sparren met en leren van een ondernemer met specifieke kennis van jouw sector en uitdagingen.","dpkn-banner",{"url":1121,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FhZXE8zH8GqvwT2zgSdYT8\u002F16c94cbea994c11609a95fa844ce7499\u002Fcoverimage-crowdfunding__1_.jpg",{"asset":8,"dialogueModal":8,"leadingIcon":8,"icon":1123,"iconPosition":1032,"externalUrl":8,"internalUrl":8,"type":1033,"name":1124,"label":1124,"title":8,"theme":8,"linkedPage":1125},"chevron","Bekijk het mentorschap",{"slug":188,"parentPage":1126},{"slug":39,"parentPage":1127},{"slug":42},{"__typename":1026,"sys":1129,"primaryLink":8,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1131,"alignment":8,"title":8,"subtitle":8,"body":1132,"trackingComponentName":8,"videoControls":1133,"optionalVideoExtras":8,"image":1134},{"id":1130},"1f4yaIh0G4cZSNmv9uDaS8","content-highlight","### Dit artikel is gecontroleerd door Robbert Bruin\nRobbert Bruin is propositie lead op het gebied van financieren. Hij is daarmee verantwoordelijk voor het definiëren van de strategie voor financieringsproposities en het initiëren van nieuwe proposities die inspelen op veranderende klantbehoeften en marktomstandigheden. Robbert heeft een ruime ervaring op het gebied van advisering en kennis van producten.\n",true,{"url":1135,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FYfEXBiaHPOAZ0m8ndLPo5\u002Fbb4ba4d948ba53b6a5315567d7663e98\u002Frobbert-profiel.png",{"__typename":1093,"sys":1137,"tagsCollection":1139,"textAnimation":8,"type":1141,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1142},{"id":1138},"4WyOqzlGSoZgp4xoBky1gC",{"items":1140},[],"feedback-card-wrapper",{"items":1143},[1144],{"__typename":1145,"sys":1146,"label":1148,"valueId":1149,"layout":1150,"radioType":1151,"required":8,"helperMessage":1152,"leadType":8,"placeholder":8,"tooltip":8,"radiobuttonsCollection":1153},"WizardComponentRadiobuttonSet",{"id":1147},"ZxE9JpEnpHZz87TwizmgJ","Hoe tevreden ben je met dit artikel?","articleBlogFeedback","inline","enriched-radio","We horen graag wat je van dit artikel vindt! 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artikel is gecontroleerd door Robbert Bruin",{"type":2310,"tag":2311,"props":2331,"children":2332},{},[2333],{"type":2315,"value":2334},"Robbert Bruin is propositie lead op het gebied van financieren. Hij is daarmee verantwoordelijk voor het definiëren van de strategie voor financieringsproposities en het initiëren van nieuwe proposities die inspelen op veranderende klantbehoeften en marktomstandigheden. Robbert heeft een ruime ervaring op het gebied van advisering en kennis van producten.",{"title":918,"searchDepth":2317,"depth":2317,"links":2336},[2337],{"id":2326,"depth":2338,"text":2329},3,{"data":2340,"body":2342,"toc":2364},{"title":918,"description":2341},"Belangrijk! Vul geen persoonlijke gegevens in, zoals je naam of pincode. We gebruiken je feedback voor het verbeteren van onze service. Hulp nodig? Neem contact met ons op door te e-mailen naar doorpakken@nl.abnamro.com.",{"type":2307,"children":2343},[2344],{"type":2310,"tag":2311,"props":2345,"children":2346},{},[2347,2353,2355,2362],{"type":2310,"tag":2348,"props":2349,"children":2350},"strong",{},[2351],{"type":2315,"value":2352},"Belangrijk!",{"type":2315,"value":2354}," Vul geen persoonlijke gegevens in, zoals je naam of pincode. We gebruiken je feedback voor het verbeteren van onze service. Hulp nodig? Neem contact met ons op door te e-mailen naar ",{"type":2310,"tag":2356,"props":2357,"children":2359},"a",{"href":2358},"mailto:doorpakken@nl.abnamro.com",[2360],{"type":2315,"value":2361},"doorpakken@nl.abnamro.com",{"type":2315,"value":2363},".",{"title":918,"searchDepth":2317,"depth":2317,"links":2365},[],{"data":2367,"body":2369,"toc":2380},{"title":918,"description":2368},"Als je bedrijf groeit, is een gezonde financiële buffer essentieel om die groei ook vol te kunnen houden. Veel groeiende bedrijven komen in de problemen door onvoldoende werkkapitaal.",{"type":2307,"children":2370},[2371,2375],{"type":2310,"tag":2311,"props":2372,"children":2373},{},[2374],{"type":2315,"value":2368},{"type":2310,"tag":2311,"props":2376,"children":2377},{},[2378],{"type":2315,"value":2379},"In dit artikel ontdek je hoe je ervoor zorgt dat jouw werkkapitaal gezond blijft, welke strategieën je kunt toepassen en welke financieringsopties er beschikbaar zijn als je extra financiële ruimte nodig hebt.",{"title":918,"searchDepth":2317,"depth":2317,"links":2381},[],{"data":2383,"body":2384,"toc":2448},{"title":918,"description":918},{"type":2307,"children":2385},[2386,2393,2399,2422,2443],{"type":2310,"tag":2387,"props":2388,"children":2390},"h2",{"id":2389},"waarom-werkkapitaal-zo-belangrijk-is",[2391],{"type":2315,"value":2392},"Waarom werkkapitaal zo belangrijk is",{"type":2310,"tag":2324,"props":2394,"children":2396},{"id":2395},"een-goede-buffer-geeft-ademruimte",[2397],{"type":2315,"value":2398},"Een goede buffer geeft ademruimte ",{"type":2310,"tag":2311,"props":2400,"children":2401},{},[2402,2404,2410,2412,2420],{"type":2315,"value":2403},"Als ondernemer weet je dat geld soms moet rollen - maar het liefst twee kanten op. 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Je gebruikt het om nieuwe voorraad aan te schaffen, late betalingen op te vangen, seizoensschommelingen te overbruggen en om ",{"type":2310,"tag":2356,"props":2413,"children":2417},{"href":2414,"rel":2415},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fflexibel-financieren-laat-geen-kansen-uit-de-markt-liggen",[2416],"nofollow",[2418],{"type":2315,"value":2419},"voorbereid te zijn op onverwachte uitgaven",{"type":2315,"value":2421},". ",{"type":2310,"tag":2311,"props":2423,"children":2424},{},[2425,2427,2434,2436,2441],{"type":2315,"value":2426},"Het ",{"type":2310,"tag":2356,"props":2428,"children":2431},{"href":2429,"rel":2430},"https:\u002F\u002Fwww.cbs.nl\u002Fnl-nl\u002Flongread\u002Faanvullende-statistische-diensten\u002F2025\u002Ffinancieringsmonitor-2024",[2416],[2432],{"type":2315,"value":2433},"CBS geeft aan",{"type":2315,"value":2435}," dat ongeveer 35% van de snelgroeiende bedrijven in de problemen komt door onvoldoende werkkapitaal. Terwijl juist in een groeifase die financiële ademruimte zo cruciaal is. Bedrijven die hun ",{"type":2310,"tag":2356,"props":2437,"children":2438},{"href":2406},[2439],{"type":2315,"value":2440},"werkkapitaal goed op orde hebben",{"type":2315,"value":2442},", creëren gemiddeld meer groeiruimte. Je zorgt ervoor dat je klaar bent om op kansen in te spelen. ",{"type":2310,"tag":2311,"props":2444,"children":2445},{},[2446],{"type":2315,"value":2447},"Laten we kijken hoe jij ervoor zorgt dat je bij de groep bedrijven hoort die wél gezond door kan groeien. ",{"title":918,"searchDepth":2317,"depth":2317,"links":2449},[2450],{"id":2389,"depth":2317,"text":2392,"children":2451},[2452],{"id":2395,"depth":2338,"text":2398},{"data":2454,"body":2455,"toc":2546},{"title":918,"description":918},{"type":2307,"children":2456},[2457,2462,2468,2473,2487,2501,2507,2512,2518,2532],{"type":2310,"tag":2387,"props":2458,"children":2460},{"id":2459},"praktische-strategieën-voor-gezond-werkkapitaal",[2461],{"type":2315,"value":1015},{"type":2310,"tag":2324,"props":2463,"children":2465},{"id":2464},"optimaliseer-je-betalingscyclus",[2466],{"type":2315,"value":2467},"Optimaliseer je betalingscyclus ",{"type":2310,"tag":2311,"props":2469,"children":2470},{},[2471],{"type":2315,"value":2472},"De snelheid waarmee geld je bedrijf in- en uitstroomt, is cruciaal. Verstuur facturen direct na levering van producten of diensten. Overweeg een kleine korting voor klanten die snel betalen - een investering die zich terugverdient in verbeterde cashflow. Zet een geautomatiseerd systeem op voor betaalherinneringen, en maak duidelijk wat je betalingsvoorwaarden zijn bij het begin van elke zakelijke relatie. ",{"type":2310,"tag":2311,"props":2474,"children":2475},{},[2476,2478,2485],{"type":2315,"value":2477},"Ongeveer ",{"type":2310,"tag":2356,"props":2479,"children":2482},{"href":2480,"rel":2481},"https:\u002F\u002Fproduction-site-nl.kvk.bloomreach.cloud\u002Fbinaries\u002Fcontent\u002Fassets\u002Fkvkwebsite-nl\u002Fcategorie\u002Fonderzoeken\u002Fkvk_onderzoeksrapport_ondernemen_in_2024.pdf",[2416],[2483],{"type":2315,"value":2484},"13% van de ondernemers",{"type":2315,"value":2486}," heeft te maken heeft met klanten die niet betalen voor geleverde producten of diensten. Een derde van deze ondernemers geeft aan dat ze maatregelen hebben getroffen om dit risico te beperken. ",{"type":2310,"tag":2311,"props":2488,"children":2489},{},[2490,2492,2499],{"type":2315,"value":2491},"Als jij een zakelijke webshop hebt kun je kijken naar een oplossing zoals ",{"type":2310,"tag":2356,"props":2493,"children":2496},{"href":2494,"rel":2495},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fhulpmiddelen-en-diensten\u002Fachteraf-betalen\u002F",[2416],[2497],{"type":2315,"value":2498},"Achteraf betalen",{"type":2315,"value":2500},". Zo zorg je ervoor dat je direct uitbetaald krijgt na verzending van de order. Ideaal om het gat in je cashflow tussen levering en betaling te dichten.  ",{"type":2310,"tag":2324,"props":2502,"children":2504},{"id":2503},"beheers-je-voorraad-slim",[2505],{"type":2315,"value":2506},"Beheers je voorraad slim ",{"type":2310,"tag":2311,"props":2508,"children":2509},{},[2510],{"type":2315,"value":2511},"Voorraad is bevroren kapitaal; geld dat je niet kunt gebruiken tot het verkoopt. Implementeer voorraadbeheersystemen die je inzicht geven in wat er precies in je magazijn ligt. Onderhandel met leveranciers over just-in-time leveringen, zodat je spullen pas binnenkrijgt wanneer je ze nodig hebt.  \nEvalueer regelmatig wat snel verkoopt en wat blijft liggen, en pas je inkoopbeleid daarop aan. Zo zorg je ervoor dat de hoeveelheid voorraad die in jouw magazijn ligt optimaal is. ",{"type":2310,"tag":2324,"props":2513,"children":2515},{"id":2514},"denk-vooruit-met-cashflowplanning",[2516],{"type":2315,"value":2517},"Denk vooruit met cashflowplanning ",{"type":2310,"tag":2311,"props":2519,"children":2520},{},[2521,2523,2530],{"type":2315,"value":2522},"Anticiperen is beter dan reageren. Maak een gedetailleerde planning van verwachte inkomsten en uitgaven voor minstens de komende zes maanden. Houd rekening met seizoenspatronen ",{"type":2310,"tag":2356,"props":2524,"children":2527},{"href":2525,"rel":2526},"https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Finsights\u002Fsectoren-en-trends\u002Findex.html",[2416],[2528],{"type":2315,"value":2529},"in je branche",{"type":2315,"value":2531}," en bouw bewust een financiële buffer op voor minder drukke periodes.  ",{"type":2310,"tag":2311,"props":2533,"children":2534},{},[2535,2537,2544],{"type":2315,"value":2536},"Maak er een gewoonte van om wekelijks of maandelijks je financiële positie te evalueren, een simpele check kan grote problemen voorkomen (",{"type":2310,"tag":2356,"props":2538,"children":2541},{"href":2539,"rel":2540},"https:\u002F\u002Fassets.abnamro.com\u002Fapi\u002Fpublic\u002Fcontent\u002Fliquiditeitsbegroting-abn-amro.pdf",[2416],[2542],{"type":2315,"value":2543},"een liquiditeitsbegroting",{"type":2315,"value":2545}," kan hier handig zijn). ",{"title":918,"searchDepth":2317,"depth":2317,"links":2547},[2548],{"id":2459,"depth":2317,"text":1015,"children":2549},[2550,2551,2552],{"id":2464,"depth":2338,"text":2467},{"id":2503,"depth":2338,"text":2506},{"id":2514,"depth":2338,"text":2517},{"data":2554,"body":2555,"toc":2719},{"title":918,"description":918},{"type":2307,"children":2556},[2557,2562,2567,2572,2594,2601,2639,2645,2672,2677,2687,2693,2698],{"type":2310,"tag":2387,"props":2558,"children":2560},{"id":2559},"flexibele-financieringsoplossingen-voor-werkkapitaal",[2561],{"type":2315,"value":1023},{"type":2310,"tag":2311,"props":2563,"children":2564},{},[2565],{"type":2315,"value":2566},"Zelfs met de beste planning komen er momenten dat je extra financiële ruimte nodig hebt. Op die momenten kan een flexibele financieringsvorm uitkomst bieden. Er zijn verschillende opties waarbij flexibiliteit voorop staat, maar een zakelijk krediet is vaak de beste.  ",{"type":2310,"tag":2311,"props":2568,"children":2569},{},[2570],{"type":2315,"value":2571},"Hiermee kun je flexibel geld opnemen en aflossen wanneer dat nodig is, en je betaalt alleen rente over het opgenomen bedrag. ",{"type":2310,"tag":2311,"props":2573,"children":2574},{},[2575,2577,2584,2586,2592],{"type":2315,"value":2576},"Een zakelijk krediet kun je zowel via ",{"type":2310,"tag":2356,"props":2578,"children":2581},{"href":2579,"rel":2580},"https:\u002F\u002Fnew10.com\u002Fzakelijk-krediet-video?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog",[2416],[2582],{"type":2315,"value":2583},"New10",{"type":2315,"value":2585}," als bij ",{"type":2310,"tag":2356,"props":2587,"children":2590},{"href":2588,"rel":2589},"https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fproducten\u002Ffinancieren\u002Fzakelijk-krediet\u002Findex.html",[2416],[2591],{"type":2315,"value":920},{"type":2315,"value":2593}," afsluiten. De voorwaarden zijn als volgt: ",{"type":2310,"tag":2595,"props":2596,"children":2598},"h4",{"id":2597},"new10",[2599],{"type":2315,"value":2600},"New10 ",{"type":2310,"tag":2602,"props":2603,"children":2604},"ul",{},[2605,2611,2616,2629,2634],{"type":2310,"tag":2606,"props":2607,"children":2608},"li",{},[2609],{"type":2315,"value":2610},"Kredietbedrag: van € 20.000 – 500.000 ",{"type":2310,"tag":2606,"props":2612,"children":2613},{},[2614],{"type":2315,"value":2615},"Looptijd: 36 maanden (met mogelijkheid tot verlenging) ",{"type":2310,"tag":2606,"props":2617,"children":2618},{},[2619,2621,2628],{"type":2315,"value":2620},"Rentepercentage: varieert, bekijk ",{"type":2310,"tag":2356,"props":2622,"children":2625},{"href":2623,"rel":2624},"https:\u002F\u002Fnew10.com\u002Frente?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog",[2416],[2626],{"type":2315,"value":2627},"de website",{"type":2315,"value":2421},{"type":2310,"tag":2606,"props":2630,"children":2631},{},[2632],{"type":2315,"value":2633},"Servicekosten: maximaal 0,2% per maand over het totale kredietbedrag ",{"type":2310,"tag":2606,"props":2635,"children":2636},{},[2637],{"type":2315,"value":2638},"Aflossing: vanaf 1,5% per maand van het opgenomen bedrag ",{"type":2310,"tag":2595,"props":2640,"children":2642},{"id":2641},"abn-amro",[2643],{"type":2315,"value":2644},"ABN AMRO: ",{"type":2310,"tag":2602,"props":2646,"children":2647},{},[2648,2653,2658,2663,2667],{"type":2310,"tag":2606,"props":2649,"children":2650},{},[2651],{"type":2315,"value":2652},"Kredietbedrag: vanaf € 250.000 ",{"type":2310,"tag":2606,"props":2654,"children":2655},{},[2656],{"type":2315,"value":2657},"Looptijd: onbeperkt, tenzij anders overeengekomen ",{"type":2310,"tag":2606,"props":2659,"children":2660},{},[2661],{"type":2315,"value":2662},"Rentepercentage: op aanvraag. ",{"type":2310,"tag":2606,"props":2664,"children":2665},{},[2666],{"type":2315,"value":2633},{"type":2310,"tag":2606,"props":2668,"children":2669},{},[2670],{"type":2315,"value":2671},"Aflossing: geen verplichte aflossing ",{"type":2310,"tag":2311,"props":2673,"children":2674},{},[2675],{"type":2315,"value":2676},"Je betaalt alleen rente over het bedrag dat je daadwerkelijk opneemt. Aflossen kan op elk moment kosteloos, en afgeloste bedragen zijn direct weer beschikbaar binnen je limiet. ",{"type":2310,"tag":2311,"props":2678,"children":2679},{},[2680,2685],{"type":2310,"tag":2348,"props":2681,"children":2682},{},[2683],{"type":2315,"value":2684},"Let op:",{"type":2315,"value":2686}," bovenstaande voorwaarden zijn ten tijde van schrijven. Deze kunnen ten alle tijden veranderen. Bezoek de websites voor actuele voorwaarden. ",{"type":2310,"tag":2324,"props":2688,"children":2690},{"id":2689},"voor-wie-is-een-zakelijk-krediet-geschikt",[2691],{"type":2315,"value":2692},"Voor wie is een zakelijk krediet geschikt? ",{"type":2310,"tag":2311,"props":2694,"children":2695},{},[2696],{"type":2315,"value":2697},"Een zakelijk krediet past uitstekend bij bedrijven met seizoensgebonden schommelingen, variërende ordergroottes, of een behoefte aan voorraadfinanciering. Het is als een financiële paraplu: je gebruikt hem alleen als het regent, maar bent altijd voorbereid. \nDus heeft jouw bedrijf met dit soort schommelingen te maken, of ben je simpelweg op zoek naar een extra potje wat je in kunt zetten op de juiste momenten? Dan is een zakelijk krediet een uitstekende optie. ",{"type":2310,"tag":2311,"props":2699,"children":2700},{},[2701,2708,2710,2717],{"type":2310,"tag":2356,"props":2702,"children":2705},{"href":2703,"rel":2704},"https:\u002F\u002Fopen.overheid.nl\u002Fdocumenten\u002F6319defc-d3d8-48a6-9e52-54c5a1ccf23b\u002Ffile",[2416],[2706],{"type":2315,"value":2707},"Onderzoek van PWC",{"type":2315,"value":2709}," in 2024 toonde aan dat er verschillende financieringsopties beschikbaar zijn, maar vooral kleinere bedrijven moeite hebben met het verkrijgen van financiering. Meer over financieringen als klein bedrijf vind je ",{"type":2310,"tag":2356,"props":2711,"children":2714},{"href":2712,"rel":2713},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fslimme-financieringen-voor-jouw-groeiambities-als-klein-groeiend-bedrijf",[2416],[2715],{"type":2315,"value":2716},"hier",{"type":2315,"value":2718},".  ",{"title":918,"searchDepth":2317,"depth":2317,"links":2720},[2721],{"id":2559,"depth":2317,"text":1023,"children":2722},[2723],{"id":2689,"depth":2338,"text":2692},{"data":2725,"body":2726,"toc":2757},{"title":918,"description":918},{"type":2307,"children":2727},[2728,2733,2739,2744],{"type":2310,"tag":2387,"props":2729,"children":2731},{"id":2730},"een-zakelijke-lening-voor-langetermijninvesteringen",[2732],{"type":2315,"value":1045},{"type":2310,"tag":2324,"props":2734,"children":2736},{"id":2735},"vaste-structuur-duidelijke-afspraken",[2737],{"type":2315,"value":2738},"Vaste structuur, duidelijke afspraken ",{"type":2310,"tag":2311,"props":2740,"children":2741},{},[2742],{"type":2315,"value":2743},"Een zakelijke lening is meer geschikt voor langetermijninvesteringen in een gestaag groeiend bedrijf, of wanneer je precies weet welk bedrag je nodig hebt. Het verschil met een zakelijk krediet is dat je bij een lening het geld in één keer ontvangt en volgens een vast schema terugbetaalt. ",{"type":2310,"tag":2311,"props":2745,"children":2746},{},[2747,2749,2755],{"type":2315,"value":2748},"Als je meer wilt weten over zakelijke leningen, lees dan ook het artikel \"",{"type":2310,"tag":2356,"props":2750,"children":2753},{"href":2751,"rel":2752},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fzet-de-volgende-stap-in-jouw-groei-met-een-zakelijke-lening",[2416],[2754],{"type":2315,"value":2093},{"type":2315,"value":2756},"\". ",{"title":918,"searchDepth":2317,"depth":2317,"links":2758},[2759],{"id":2730,"depth":2317,"text":1045,"children":2760},[2761],{"id":2735,"depth":2338,"text":2738},{"data":2763,"body":2764,"toc":2840},{"title":918,"description":918},{"type":2307,"children":2765},[2766,2771,2777,2782,2788,2811,2817],{"type":2310,"tag":2387,"props":2767,"children":2769},{"id":2768},"lease-als-alternatief-voor-bedrijfsmiddelen",[2770],{"type":2315,"value":1053},{"type":2310,"tag":2324,"props":2772,"children":2774},{"id":2773},"houd-je-werkkapitaal-intact",[2775],{"type":2315,"value":2776},"Houd je werkkapitaal intact ",{"type":2310,"tag":2311,"props":2778,"children":2779},{},[2780],{"type":2315,"value":2781},"Voor machines en apparatuur kan lease een intelligente keuze zijn die je werkkapitaal intact houdt. Volgens PwC is flexibiliteit steeds belangrijker in contracten, wat ook geldt voor leaseconstructies. Er zijn twee mogelijkheden wanneer je gaat leasen: ",{"type":2310,"tag":2595,"props":2783,"children":2785},{"id":2784},"_1-financial-lease",[2786],{"type":2315,"value":2787},"1. Financial lease: ",{"type":2310,"tag":2602,"props":2789,"children":2790},{},[2791,2796,2801,2806],{"type":2310,"tag":2606,"props":2792,"children":2793},{},[2794],{"type":2315,"value":2795},"Je financiert tot 100% van de aanschafwaarde ",{"type":2310,"tag":2606,"props":2797,"children":2798},{},[2799],{"type":2315,"value":2800},"Looptijd wordt afgestemd op de economische levensduur ",{"type":2310,"tag":2606,"props":2802,"children":2803},{},[2804],{"type":2315,"value":2805},"Vaste rente gedurende de gehele periode ",{"type":2310,"tag":2606,"props":2807,"children":2808},{},[2809],{"type":2315,"value":2810},"Na afloop kun je het object overnemen tegen een vooraf afgesproken restwaarde ",{"type":2310,"tag":2595,"props":2812,"children":2814},{"id":2813},"_2-operational-lease",[2815],{"type":2315,"value":2816},"2. Operational lease: ",{"type":2310,"tag":2602,"props":2818,"children":2819},{},[2820,2825,2830,2835],{"type":2310,"tag":2606,"props":2821,"children":2822},{},[2823],{"type":2315,"value":2824},"De nadruk ligt op gebruik, niet op bezit ",{"type":2310,"tag":2606,"props":2826,"children":2827},{},[2828],{"type":2315,"value":2829},"Onderhoud is inbegrepen in je maandelijkse termijn ",{"type":2310,"tag":2606,"props":2831,"children":2832},{},[2833],{"type":2315,"value":2834},"Het object blijft eigendom van de bank ",{"type":2310,"tag":2606,"props":2836,"children":2837},{},[2838],{"type":2315,"value":2839},"Je kunt relatief eenvoudig wisselen naar nieuwere modellen ",{"title":918,"searchDepth":2317,"depth":2317,"links":2841},[2842],{"id":2768,"depth":2317,"text":1053,"children":2843},[2844],{"id":2773,"depth":2338,"text":2776},{"data":2846,"body":2847,"toc":2903},{"title":918,"description":918},{"type":2307,"children":2848},[2849,2854,2860,2865,2883],{"type":2310,"tag":2387,"props":2850,"children":2852},{"id":2851},"welke-financiering-past-bij-jouw-situatie",[2853],{"type":2315,"value":1061},{"type":2310,"tag":2324,"props":2855,"children":2857},{"id":2856},"maak-een-weloverwogen-keuze",[2858],{"type":2315,"value":2859},"Maak een weloverwogen keuze ",{"type":2310,"tag":2311,"props":2861,"children":2862},{},[2863],{"type":2315,"value":2864},"De ideale financieringsoplossing hangt af van je specifieke behoeften en bedrijfssituatie. Houd rekening met het volgende: ",{"type":2310,"tag":2602,"props":2866,"children":2867},{},[2868,2873,2878],{"type":2310,"tag":2606,"props":2869,"children":2870},{},[2871],{"type":2315,"value":2872},"Een zakelijk krediet past goed bij bedrijven met schommelende liquiditeitsbehoeften ",{"type":2310,"tag":2606,"props":2874,"children":2875},{},[2876],{"type":2315,"value":2877},"Een zakelijke lening is geschikt voor eenmalige, grote investeringen ",{"type":2310,"tag":2606,"props":2879,"children":2880},{},[2881],{"type":2315,"value":2882},"Lease is aantrekkelijk voor bedrijfsmiddelen die regelmatig vernieuwd moeten worden ",{"type":2310,"tag":2311,"props":2884,"children":2885},{},[2886,2888,2894,2896,2902],{"type":2315,"value":2887},"Onze expert op het gebied van financieren neemt je in ",{"type":2310,"tag":2356,"props":2889,"children":2891},{"href":29,"rel":2890},[2416],[2892],{"type":2315,"value":2893},"dit filmpje",{"type":2315,"value":2895}," mee in de opties. Of kijk direct of je in aanmerking komt voor ",{"type":2310,"tag":2356,"props":2897,"children":2899},{"href":2898},"\u002Ffinanciering-aanvragen",[2900],{"type":2315,"value":2901},"een kort 15-minuten gesprek met een adviseur",{"type":2315,"value":2421},{"title":918,"searchDepth":2317,"depth":2317,"links":2904},[2905],{"id":2851,"depth":2317,"text":1061,"children":2906},[2907],{"id":2856,"depth":2338,"text":2859},{"data":2909,"body":2910,"toc":2998},{"title":918,"description":918},{"type":2307,"children":2911},[2912,2917,2923,2928,2951,2956,2979,2984],{"type":2310,"tag":2387,"props":2913,"children":2915},{"id":2914},"voorwaarden-en-voorbereiding",[2916],{"type":2315,"value":1069},{"type":2310,"tag":2324,"props":2918,"children":2920},{"id":2919},"bereid-je-goed-voor-op-je-aanvraag",[2921],{"type":2315,"value":2922},"Bereid je goed voor op je aanvraag ",{"type":2310,"tag":2311,"props":2924,"children":2925},{},[2926],{"type":2315,"value":2927},"Natuurlijk zijn er bepaalde eisen om in aanmerking te komen voor de financieringsproducten. Voor een zakelijk krediet of lening moet je bijvoorbeeld: ",{"type":2310,"tag":2602,"props":2929,"children":2930},{},[2931,2936,2941,2946],{"type":2310,"tag":2606,"props":2932,"children":2933},{},[2934],{"type":2315,"value":2935},"Minimaal 15 maanden ingeschreven staan bij KVK ",{"type":2310,"tag":2606,"props":2937,"children":2938},{},[2939],{"type":2315,"value":2940},"Een positief eigen vermogen en winstgevendheid hebben ",{"type":2310,"tag":2606,"props":2942,"children":2943},{},[2944],{"type":2315,"value":2945},"Een minimale jaaromzet van €50.000 hebben ",{"type":2310,"tag":2606,"props":2947,"children":2948},{},[2949],{"type":2315,"value":2950},"Niet actief zijn in uitgesloten branches ",{"type":2310,"tag":2311,"props":2952,"children":2953},{},[2954],{"type":2315,"value":2955},"De bovenstaande voorwaarden kunnen veranderen. Raadpleeg altijd de website voor actuele voorwaarden. Bereid je aanvraag grondig voor door deze documenten te verzamelen: ",{"type":2310,"tag":2602,"props":2957,"children":2958},{},[2959,2964,2969,2974],{"type":2310,"tag":2606,"props":2960,"children":2961},{},[2962],{"type":2315,"value":2963},"Je meest recente jaarrekeningen ",{"type":2310,"tag":2606,"props":2965,"children":2966},{},[2967],{"type":2315,"value":2968},"Bankafschriften van de afgelopen maanden ",{"type":2310,"tag":2606,"props":2970,"children":2971},{},[2972],{"type":2315,"value":2973},"Een toekomstvisie ",{"type":2310,"tag":2606,"props":2975,"children":2976},{},[2977],{"type":2315,"value":2978},"Een concreet plan voor de besteding van de financiering ",{"type":2310,"tag":2311,"props":2980,"children":2981},{},[2982],{"type":2315,"value":2983},"Een goede voorbereiding vergroot je kans op succes aanzienlijk. Uit het KVK-rapport \"Ondernemen in 2024\" blijkt dat een gebrek aan inzicht in de financieringsmogelijkheden en onduidelijke eisen rond de aanvraag belangrijke obstakels zijn voor ondernemers. ",{"type":2310,"tag":2311,"props":2985,"children":2986},{},[2987,2989,2996],{"type":2315,"value":2988},"Door alvast een ",{"type":2310,"tag":2356,"props":2990,"children":2993},{"href":2991,"rel":2992},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fdownload-groei-businessmodelcanvas\u002F",[2416],[2994],{"type":2315,"value":2995},"Business Model Canvas",{"type":2315,"value":2997}," in te vullen krijg je alles helder op 1 A4’tje. ",{"title":918,"searchDepth":2317,"depth":2317,"links":2999},[3000],{"id":2914,"depth":2317,"text":1069,"children":3001},[3002],{"id":2919,"depth":2338,"text":2922},{"data":3004,"body":3005,"toc":3029},{"title":918,"description":918},{"type":2307,"children":3006},[3007,3012,3024],{"type":2310,"tag":2387,"props":3008,"children":3010},{"id":3009},"begin-vandaag-nog-met-verbetering",[3011],{"type":2315,"value":1077},{"type":2310,"tag":2311,"props":3013,"children":3014},{},[3015,3017,3022],{"type":2315,"value":3016},"Een slimme eerste stap is het uitvoeren van een ",{"type":2310,"tag":2356,"props":3018,"children":3019},{"href":2406},[3020],{"type":2315,"value":3021},"werkkapitaalscan",{"type":2315,"value":3023},". Deze geeft je direct inzicht in de gezondheid van je financiële buffer, identificeert verbeterpunten en helpt bij het bepalen van de meest geschikte oplossing. ",{"type":2310,"tag":2311,"props":3025,"children":3026},{},[3027],{"type":2315,"value":3028},"Want uiteindelijk is gezond werkkapitaal meer dan alleen een financieel begrip - het is de manier hoe jij zorgt dat jouw onderneming klaar staat om in te spelen op belangrijke kansen. ",{"title":918,"searchDepth":2317,"depth":2317,"links":3030},[3031],{"id":3009,"depth":2317,"text":1077},1791375414493]