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","Wat bepaalt je financieringskeuze? ","## Wat bepaalt je financieringskeuze? \n### Verschillende factoren spelen een rol \nJe financieringskeuze hangt af van verschillende factoren, zoals je huidige financiële situatie, de grootte van je bedrijf en of je kiest voor een bestaand pand of nieuwbouw. De investeringsbedragen die ondernemers aantrekken voor hun nieuwe pand lopen uiteen: voor een bestaand pand lenen ondernemers gemiddeld €450.000, terwijl dat voor nieuwbouw richting de €750.000 gaat. Het is vergelijkbaar met het verschil tussen een kant-en-klare woning kopen of een huis laten bouwen – beide hebben voor- en nadelen, maar de financiering ziet er heel anders uit.\n\nDaarnaast zijn er nog verschillende opties qua financiering voor jouw nieuwe bedrijfspand. Als je een bestaand pand wilt aanschaffen kun je kiezen voor een zakelijke hypotheek van New10. Via een zakelijke lening van ABN AMRO kun je zowel nieuwe als bestaande panden financieren. \n\nLaten we kijken naar beide opties. \n\n### De zakelijke hypotheek: via New10\nNet als bij een particuliere aankoop wordt een zakelijk pand vaak via een hypotheek aangekocht. Als je voor een zakelijke hypotheek wilt gaan kun je deze bij New10 afsluiten. Maar waar moet je rekening mee houden als je voor de zakelijke hypotheek via New10 gaat? De maximale financieringswaarde is 1 miljoen en qua taxatiewaarde kun je tot 90% van het pand financieren. Daarnaast heb je de keuze uit een rentevaste periode van 5 of 10 jaar. Wel kan het zo zijn dat je een slottermijn hebt, en deze moet herfinancieren of in één keer moet aflossen. \n\n#### Additionele voorwaarden \nNaast de kenmerken zijn er ook nog voorwaarden die belangrijk zijn voor je aanvraag. Bij [New10](https:\u002F\u002Fnew10.com\u002Fzakelijke-hypotheek?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog) heb je te maken met o.a. de volgende voorwaarden:\n- Een positief eigen vermogen en winstgevendheid\n- Een minimale jaaromzet van €50.000\n- Een gezonde verhouding tussen eigen vermogen en totale bezittingen (meestal minstens 20%)\n- Een geschikte bedrijfsvorm (Je bedrijf is een eenmanszaak, vof, maatschap, bv of een bv in de holding)\n- Aantoonbare financiële geschiedenis (vaak 15 maanden bankafschriften)\n- Recente jaarrekeningen (meestal van de afgelopen 3 jaar)\n- De aanvraag verloopt via ABN AMRO of via een intermediair.\n\nOok zijn er nog voorwaarden waar je bedrijfspand aan moet voldoen:\n- Het mag geen nieuwbouw pand zijn\n- Voor een kantoorpand of een pand met een gedeeltelijke kantoorfunctie is een energielabel A, B of C vereist. Voor panden met een andere functie (bijvoorbeeld industriefunctie) is geen energielabel vereist.\n- Geen giftige stoffen aanwezig in het pand (zoals bijvoorbeeld asbest)\n- De erfpachttermijn is langer dan de looptijd van de lening\n\nDeze voorwaarden zijn ten tijde van schrijven en kunnen veranderen. [Bekijk de actuele voorwaarden](https:\u002F\u002Fnew10.com\u002Fzakelijke-hypotheek?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog).\n\n### ABN AMRO: de zakelijke lening \nAls alternatief voor de zakelijke hypotheek kun je ook kiezen voor [de zakelijke lening](https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fproducten\u002Ffinancieren\u002Fzakelijke-lening\u002Findex.html). Kijkend naar de gemiddelde financieringsbehoeften die wij eerder noemden (€ 450.000 tot 750.000) is een zakelijke lening ook passend.\n\nBij New10 kun je ook een zakelijke lening aanvragen, maar deze kun je niet gebruiken voor de aankoop van een pand. Als je via een zakelijke lening een pand wilt aanschaffen moet je dit dus via de zakelijke lening van ABN AMRO doen. \n\nHet leenbedrag start bij de € 250.000, en de looptijd ligt tussen de 1-20 jaar. Qua looptijd kun je hier dus een langere commitment aangaan dan bij de hypotheek via New10. De voorwaarden en rentes zijn op aanvraag beschikbaar en worden afgestemd op jouw specifieke situatie.\n\nEen zakelijk krediet is een andere optie, waarbij je [flexibel kunt opnemen en aflossen](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fgezond-werkkapitaal-de-sleutel-tot-duurzame-groei\u002F). Je betaalt alleen rente over het opgenomen bedrag. Dit kan handig zijn bij gefaseerde verbouwingen of als je tijdelijke liquiditeitsbehoeften hebt. Wel goed om te weten dat het ongebruikelijk is om de hoofdsom van jouw bedrijfspand via een zakelijk krediet te financieren.\n",{"__typename":1004,"sys":1005,"image":8,"type":1007,"variant":27,"title":8,"subtitle":1008,"body":8,"primaryLink":1009},"Name",{"id":1006},"3rXvQhizZaPqJE9ocgFazA","sales","Snel en gericht een nieuw bedrijfspand vinden?",{"asset":8,"leadingIcon":8,"icon":27,"iconPosition":1010,"externalUrl":8,"internalUrl":8,"type":1011,"name":1012,"label":1013,"title":8,"theme":8,"linkedPage":1014},"end","internal","In blog - stappenplan bedrijfspand","Download je stappenplan",{"slug":1015,"parentPage":1016},"download-bedrijfspand",{"slug":67,"parentPage":1017},{"slug":42},{"__typename":988,"sys":1019,"linksCollection":1021,"image":8,"name":1023,"variant":8,"header":1024,"body":1025},{"id":1020},"7ty7qCbnNJWGIocd40lhNP",{"items":1022},[],"Financieren - Financiering bedrijfspand - DO 1.2 | Waar moet je aan voldoen?","Waar moet je aan voldoen?","## Waar moet je aan voldoen?\n### Toegangspoort tot financiering\nBij het aanvragen van een financiering zijn er verschillende criteria waarmee je kredietwaardigheid beoordeeld wordt. De [KVK geeft aan](https:\u002F\u002Fproduction-site-nl.kvk.bloomreach.cloud\u002Fbinaries\u002Fcontent\u002Fassets\u002Fkvkwebsite-nl\u002Fcategorie\u002Fonderzoeken\u002Fkvk_onderzoeksrapport_ondernemen_in_2024.pdf) dat de volgende factoren een belangrijke rol spelen: \n- Je ondernemingshistorie - minimaal 15 maanden inschrijving bij KVK geeft vertrouwen \n- Je winstgevendheid - een gezonde winst is een teken van duurzaamheid \n- Je eigen inbreng - bereidheid om zelf te investeren toont commitment \n- Een realistische onderbouwing van je plannen\n\nBij jouw aanvraag voor een financiering [letten we niet alleen op de cijfers. We kijken ook naar jou als ondernemer en je bedrijf](https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fspeciaal-voor\u002Fgroeiende-ondernemer\u002Ffinancieren\u002Fbeoordeling-financieringsaanvraag.html).\n",{"__typename":988,"sys":1027,"linksCollection":1029,"image":8,"name":1031,"variant":8,"header":1032,"body":1033},{"id":1028},"4oRkEZ2vsPAHDFRfnfiySE",{"items":1030},[],"Financieren - Financiering bedrijfspand - DO 1.3 | Hoe vergroot je je slagingskans?","Hoe vergroot je je slagingskans?","## Hoe vergroot je je slagingskans?\n### Zet je beste beentje voor\n\nHet is handig om al je plannen duidelijk op papier te zetten. Voor zowel de zakelijke hypotheek van New10 als de zakelijke lening van ABN AMRO is het goed om dit te doen. Het zet je aan het denken en kan je zo op punten wijzen die je anders over het hoofd had gezien. Een [Business Model Canvas](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fdownload-groei-businessmodelcanvas\u002F) kan hier een goed hulpstuk voor zijn.\n\n[Veel ondernemers vinden](https:\u002F\u002Fproduction-site-nl.kvk.bloomreach.cloud\u002Fbinaries\u002Fcontent\u002Fassets\u002Fkvkwebsite-nl\u002Fcategorie\u002Fonderzoeken\u002Fkvk_onderzoeksrapport_ondernemen_in_2024.pdf) dat zij een gebrek aan inzicht in de financieringsmogelijkheden hebben, en dat de onduidelijke eisen rond de aanvraag belangrijke obstakels zijn. Door te zorgen dat je goed in kaart brengt wat jouw bedrijf nodig heeft kun je ook gericht kijken naar de financieringsopties. Zo maak je de mogelijkheden helder en kun je kijken naar eisen voor de aanvraag die relevant zijn voor jou.\n\nVerzamel in ieder geval de volgende documenten: \n- Je jaarrekeningen van de afgelopen 2-3 jaar \n- Je financiële prognoses \n- Een waardebepaling van het pand \n- Een helder ondernemingsplan (of Business Model Canvas)\n\n[Onderzoek van PWC](https:\u002F\u002Fopen.overheid.nl\u002Fdocumenten\u002F6319defc-d3d8-48a6-9e52-54c5a1ccf23b\u002Ffile) toont aan dat een gedegen bedrijfsplan en transparante financiële informatie twee keer zo belangrijk zijn voor het verkrijgen van financiering als de sector waarin je actief bent. Dus zorg ervoor dat je deze documenten meeneemt en je kans stijgt aanzienlijk.\n",{"__typename":988,"sys":1035,"linksCollection":1037,"image":8,"name":1039,"variant":8,"header":1040,"body":1041},{"id":1036},"4gFDfrvFgd6xmebWaIurQK",{"items":1038},[],"Financieren - Financiering bedrijfspand - DO 1.4 | De recente vastgoedmarkt","De recente vastgoedmarkt","## De recente vastgoedmarkt\nVolgens hetzelfde onderzoek van PWC heeft de recente renteverlaging door de ECB in juni 2024 (voor het eerst in twee jaar) hoop gegeven op verdere stabilisering van de kapitaalmarktrente. Dit kan gunstig zijn voor ondernemers die op zoek zijn naar financiering voor een bedrijfspand.\n\nHet rapport laat ook zien dat er sprake is van polarisatie in de vastgoedmarkt: hoogwaardige, duurzame gebouwen op toplocaties blijven in trek, terwijl de rest van de markt stabiliseert. Voor ondernemers betekent dit dat de locatie en duurzaamheidskenmerken van een pand steeds belangrijker worden voor de financierbaarheid en toekomstwaarde.\n",{"__typename":988,"sys":1043,"linksCollection":1045,"image":8,"name":1047,"variant":8,"header":1048,"body":1049},{"id":1044},"69NKeyeyXiepD8be29X4ZL",{"items":1046},[],"Financieren - Financiering bedrijfspand - DO 1.5 | Jouw volgende stap","Jouw volgende stap","## Jouw volgende stap\nMet deze informatie kun je nu hopelijk beter bepalen welke financieringsvorm het beste past bij jouw situatie. Let op dat de genoemde voorwaarden en rentepercentages kunnen veranderen, dus check altijd de actuele informatie.\n\nEen goed voorbereide financieringsaanvraag voor je bedrijfspand is als het leggen van een stevig fundament voor de toekomst van je onderneming. Met de juiste financiering kun je bouwen aan verdere groei en succes.\n\nAls je toch nog twijfelt en even wilt sparren over de mogelijkheden, kun je ook [een kort gesprek inplannen met één van onze adviseurs](\u002Fhulpmiddelen-en-diensten\u002F15-minuten-gesprek\u002F). \n\nBinnen 15 minuten kun je dan vrijblijvend jouw plannen bespreken met een expert van de ABN AMRO.\n",{"__typename":1004,"sys":1051,"image":8,"type":1007,"variant":1053,"title":8,"subtitle":1054,"body":8,"primaryLink":1055},{"id":1052},"7be8mx5hEfjQLwxKf67XsE","highlight","Krijg in 15-min duidelijkheid over je plannen",{"asset":8,"leadingIcon":8,"icon":27,"iconPosition":1010,"externalUrl":8,"internalUrl":8,"type":1011,"name":1056,"label":1057,"title":8,"theme":8,"linkedPage":1058},"Sales component blog","Check of je in aanmerking komt",{"parentPage":8,"slug":1059},"financiering-aanvragen",{"items":1061},[1062,1074,1098,1106],{"__typename":1063,"sys":1064,"cardsCollection":1066,"textAnimation":8,"type":1068,"title":1069,"subtitle":8,"anchorName":8,"tagsCollection":1070},"CompCardWrapper",{"id":1065},"5Z2XJh4BCwmaUXRAmjNMjM",{"items":1067},[],"filterable-article-previews-wrapper","Bekijk onze meest recente groeifinanciering artikelen",{"items":1071},[1072],{"sys":1073,"name":17,"value":958,"type":959,"filterParameter":960},{"id":957},{"__typename":1063,"sys":1075,"tagsCollection":1077,"textAnimation":8,"type":1079,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1080},{"id":1076},"2OUEiZaVbOBDZnp5yw7iLu",{"items":1078},[],"anchor-wrapper",{"items":1081},[1082],{"__typename":1004,"sys":1083,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1085,"alignment":1086,"title":1087,"subtitle":8,"body":1088,"trackingComponentName":1089,"videoControls":8,"optionalVideoExtras":8,"image":1090,"primaryLink":1092},{"id":1084},"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":1091,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FhZXE8zH8GqvwT2zgSdYT8\u002F16c94cbea994c11609a95fa844ce7499\u002Fcoverimage-crowdfunding__1_.jpg",{"asset":8,"dialogueModal":8,"leadingIcon":8,"icon":1093,"iconPosition":1010,"externalUrl":8,"internalUrl":8,"type":1011,"name":1094,"label":1094,"title":8,"theme":8,"linkedPage":1095},"chevron","Bekijk het mentorschap",{"slug":188,"parentPage":1096},{"slug":39,"parentPage":1097},{"slug":42},{"__typename":1004,"sys":1099,"primaryLink":8,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1101,"alignment":8,"title":8,"subtitle":8,"body":1102,"trackingComponentName":8,"videoControls":1103,"optionalVideoExtras":8,"image":1104},{"id":1100},"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":1105,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FYfEXBiaHPOAZ0m8ndLPo5\u002Fbb4ba4d948ba53b6a5315567d7663e98\u002Frobbert-profiel.png",{"__typename":1063,"sys":1107,"tagsCollection":1109,"textAnimation":8,"type":1111,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1112},{"id":1108},"4WyOqzlGSoZgp4xoBky1gC",{"items":1110},[],"feedback-card-wrapper",{"items":1113},[1114],{"__typename":1115,"sys":1116,"label":1118,"valueId":1119,"layout":1120,"radioType":1121,"required":8,"helperMessage":1122,"leadType":8,"placeholder":8,"tooltip":8,"radiobuttonsCollection":1123},"WizardComponentRadiobuttonSet",{"id":1117},"ZxE9JpEnpHZz87TwizmgJ","Hoe tevreden ben je met dit artikel?","articleBlogFeedback","inline","enriched-radio","We horen graag wat je van dit artikel vindt! ",{"items":1124},[1125,1132,1137,1142,1147],{"__typename":1126,"sys":1127,"image":8,"valueId":1129,"label":1130,"placeholder":8,"type":1131,"leadType":8,"booleanValue":8,"contextType":8,"required":8,"helperMessage":8,"tooltip":8},"WizardComponentTextInput",{"id":1128},"XAF7uHZ862TgK57YGaDwM","genericPdpFeedbackRadioOne","1","radio",{"__typename":1126,"sys":1133,"image":8,"valueId":1135,"label":1136,"placeholder":8,"type":1131,"leadType":8,"booleanValue":8,"contextType":8,"required":8,"helperMessage":8,"tooltip":8},{"id":1134},"4q7k4PWHQCMFiU8zQmlrkG","genericPdpFeedbackRadioTwo","2",{"__typename":1126,"sys":1138,"image":8,"valueId":1140,"label":1141,"placeholder":8,"type":1131,"leadType":8,"booleanValue":8,"contextType":8,"required":8,"helperMessage":8,"tooltip":8},{"id":1139},"5OQ0mhjfd7Uq6uX3KWvn6n","genericPdpFeedbackRadioThree","3",{"__typename":1126,"sys":1143,"image":8,"valueId":1145,"label":1146,"placeholder":8,"type":1131,"leadType":8,"booleanValue":8,"contextType":8,"required":8,"helperMessage":8,"tooltip":8},{"id":1144},"WCi3uFOQAFutAzi0udnij","genericPdpFeedbackRadioFour","4",{"__typename":1126,"sys":1148,"image":8,"valueId":1150,"label":1151,"placeholder":8,"type":1131,"leadType":8,"booleanValue":8,"contextType":8,"required":8,"helperMessage":8,"tooltip":8},{"id":1149},"4ldRZgtvse1mBwa1JFyNqq","genericPdpFeedbackRadioFive","5",{"articleCollection":1153},{"items":1154},[1155,1183,1217,1244,1270,1296,1319,1340,1362,1382,1402,1423,1442,1467,1493,1515,1542,1565,1588,1613,1638,1658,1679,1715,1740,1767,1792,1817,1845,1867,1890,1912,1936,1962,1987,2015,2037,2063,2090,2116,2138,2161,2188,2211,2233,2255],{"sys":1156,"title":1158,"slug":1159,"titleForCarousel":1158,"publishingTime":1160,"articleType":914,"parentPage":1161,"tagsCollection":1162,"mainImage":1181},{"id":1157},"271oPwYhvIoFVYGxoQQ4B8","ZZP'er of vast contract: wat kost het je echt?","zzper-of-vast-contract-wat-kost-het-je-echt","2026-06-23T00:00:00.000Z",{"slug":93},{"items":1163},[1164,1166,1168,1170,1172,1176],{"sys":1165,"name":926,"value":927,"type":928},{"id":925},{"sys":1167,"name":938,"value":939,"type":934},{"id":937},{"sys":1169,"name":943,"value":944,"type":934},{"id":942},{"sys":1171,"name":948,"value":949,"type":934},{"id":947},{"sys":1173,"name":122,"value":1175,"type":959},{"id":1174},"FgCJIfkE03uei6bm9zyyh","hr",{"sys":1177,"name":1179,"value":1180,"type":966},{"id":1178},"5ZzCLhA3GdTOKt8CHvzm1S","Personeel vinden","personeel-vinden",{"url":1182,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F55DkAGIuEYB5XpQnT2uAK3\u002F22ec71a69d9d64e2f16e2a8333270ee1\u002Fcoverimage-hr-fte-vs-zpp__1_.jpg",{"sys":1184,"title":1186,"slug":1187,"titleForCarousel":1186,"publishingTime":1188,"articleType":914,"parentPage":1189,"tagsCollection":1190,"mainImage":1215},{"id":1185},"4AcZmX7EbiZ91f5ODfzWg1","‘Je hoeft het niet alleen te doen’: hoe een familiebedrijf haar leerde ondernemen en mentoren","je-hoeft-het-niet-alleen-te-doen-hoe-een-familiebedrijf-haar-leerde-ondernemen-en-mentoren","2026-04-01T00:00:00.000Z",{"slug":93},{"items":1191},[1192,1194,1196,1198,1200,1202,1206,1210],{"sys":1193,"name":932,"value":933,"type":934},{"id":931},{"sys":1195,"name":938,"value":939,"type":934},{"id":937},{"sys":1197,"name":943,"value":944,"type":934},{"id":942},{"sys":1199,"name":948,"value":949,"type":934},{"id":947},{"sys":1201,"name":926,"value":927,"type":928},{"id":925},{"sys":1203,"name":277,"value":1205,"type":959},{"id":1204},"3Fg7u0PSzqgE1L67ghO3OE","leiderschap",{"sys":1207,"name":189,"value":1209,"type":966},{"id":1208},"2u4n7e9wwHwsPCWQJSfRUy","mentorschap",{"sys":1211,"name":1213,"value":1214,"type":966},{"id":1212},"46bHv45rLnFerXc9iqCCNf","Ondernemersverhaal","ondernemersverhaal",{"url":1216,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F4LUYb0LvKwACpqWHzrbBKf\u002F9a9b49f9260aaab0128e6477737f6db7\u002Felke-coolen-ondernemersverhaal__1_.jpg",{"sys":1218,"title":1220,"slug":1221,"titleForCarousel":1220,"publishingTime":1222,"articleType":914,"parentPage":1223,"tagsCollection":1224,"mainImage":1242},{"id":1219},"4ZVl5lAbEzjD0EMhsAT6le","Van 1 kledingwinkel naar 14: de groeilessen van een ondernemer die nu anderen helpt groeien","van-1-kledingwinkel-naar-14-de-groeilessen-van-een-ondernemer-die-nu-anderen-helpt-groeien","2026-03-25T00:00:00.000Z",{"slug":93},{"items":1225},[1226,1228,1230,1232,1234,1236,1238,1240],{"sys":1227,"name":932,"value":933,"type":934},{"id":931},{"sys":1229,"name":938,"value":939,"type":934},{"id":937},{"sys":1231,"name":943,"value":944,"type":934},{"id":942},{"sys":1233,"name":948,"value":949,"type":934},{"id":947},{"sys":1235,"name":926,"value":927,"type":928},{"id":925},{"sys":1237,"name":277,"value":1205,"type":959},{"id":1204},{"sys":1239,"name":189,"value":1209,"type":966},{"id":1208},{"sys":1241,"name":1213,"value":1214,"type":966},{"id":1212},{"url":1243,"description":918},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002F3WBvhPvi5xh8hDVoAhB4Gc\u002F0feb293e4fc3b5a854c9e94935e9e8c9\u002Fsocial-proof-img-werkhoven__1_.jpg",{"sys":1245,"title":1247,"slug":1248,"titleForCarousel":1249,"publishingTime":1250,"articleType":914,"parentPage":1251,"tagsCollection":1252,"mainImage":1269},{"id":1246},"vi4y0nYIAFuZHnTPVmTLY","Crowdfunding: financiering ophalen bij het publiek","crowdfunding-financiering-ophalen-bij-het-publiek","Past crowdfunding bij jouw financieringsbehoefte?","2026-03-11T00:00:00.000Z",{"slug":93},{"items":1253},[1254,1256,1258,1260,1262,1264],{"sys":1255,"name":932,"value":933,"type":934},{"id":931},{"sys":1257,"name":938,"value":939,"type":934},{"id":937},{"sys":1259,"name":926,"value":927,"type":928},{"id":925},{"sys":1261,"name":943,"value":944,"type":934},{"id":942},{"sys":1263,"name":17,"value":958,"type":959},{"id":957},{"sys":1265,"name":1267,"value":1268,"type":966},{"id":1266},"43fyFcIgtr2eL3JKSxReoK","Crowdfunding","crowdfunding",{"url":1091,"description":918},{"sys":1271,"title":1273,"slug":1274,"titleForCarousel":1273,"publishingTime":1275,"articleType":914,"parentPage":1276,"tagsCollection":1277,"mainImage":1294},{"id":1272},"4gjGpE7C49xmq21jXQpOfl","Groeien vanuit eigen kracht: wanneer bootstrap je je 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artikel is gecontroleerd door Robbert Bruin",{"type":2283,"tag":2284,"props":2304,"children":2305},{},[2306],{"type":2288,"value":2307},"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":2290,"depth":2290,"links":2309},[2310],{"id":2299,"depth":2311,"text":2302},3,{"data":2313,"body":2315,"toc":2337},{"title":918,"description":2314},"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":2280,"children":2316},[2317],{"type":2283,"tag":2284,"props":2318,"children":2319},{},[2320,2326,2328,2335],{"type":2283,"tag":2321,"props":2322,"children":2323},"strong",{},[2324],{"type":2288,"value":2325},"Belangrijk!",{"type":2288,"value":2327}," 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":2283,"tag":2329,"props":2330,"children":2332},"a",{"href":2331},"mailto:doorpakken@nl.abnamro.com",[2333],{"type":2288,"value":2334},"doorpakken@nl.abnamro.com",{"type":2288,"value":2336},".",{"title":918,"searchDepth":2290,"depth":2290,"links":2338},[],{"data":2340,"body":2342,"toc":2353},{"title":918,"description":2341},"Een nieuw bedrijfspand kopen is een grote stap voor elke ondernemer. Maar welke financiering past het beste bij jouw bedrijf?",{"type":2280,"children":2343},[2344,2348],{"type":2283,"tag":2284,"props":2345,"children":2346},{},[2347],{"type":2288,"value":2341},{"type":2283,"tag":2284,"props":2349,"children":2350},{},[2351],{"type":2288,"value":2352},"In deze gids ontdek je de verschillende opties om je bedrijfspand te financieren, en hoe je kunt bepalen welke keuze het meest geschikt is voor jouw situatie. We bekijken de mogelijkheden, voorwaarden en aandachtspunten die je helpen een weloverwogen beslissing te nemen.",{"title":918,"searchDepth":2290,"depth":2290,"links":2354},[],{"data":2356,"body":2357,"toc":2544},{"title":918,"description":918},{"type":2280,"children":2358},[2359,2366,2372,2377,2382,2387,2393,2398,2405,2420,2460,2465,2488,2500,2506,2520,2525,2530],{"type":2283,"tag":2360,"props":2361,"children":2363},"h2",{"id":2362},"wat-bepaalt-je-financieringskeuze",[2364],{"type":2288,"value":2365},"Wat bepaalt je financieringskeuze?",{"type":2283,"tag":2297,"props":2367,"children":2369},{"id":2368},"verschillende-factoren-spelen-een-rol",[2370],{"type":2288,"value":2371},"Verschillende factoren spelen een rol",{"type":2283,"tag":2284,"props":2373,"children":2374},{},[2375],{"type":2288,"value":2376},"Je financieringskeuze hangt af van verschillende factoren, zoals je huidige financiële situatie, de grootte van je bedrijf en of je kiest voor een bestaand pand of nieuwbouw. De investeringsbedragen die ondernemers aantrekken voor hun nieuwe pand lopen uiteen: voor een bestaand pand lenen ondernemers gemiddeld €450.000, terwijl dat voor nieuwbouw richting de €750.000 gaat. Het is vergelijkbaar met het verschil tussen een kant-en-klare woning kopen of een huis laten bouwen – beide hebben voor- en nadelen, maar de financiering ziet er heel anders uit.",{"type":2283,"tag":2284,"props":2378,"children":2379},{},[2380],{"type":2288,"value":2381},"Daarnaast zijn er nog verschillende opties qua financiering voor jouw nieuwe bedrijfspand. Als je een bestaand pand wilt aanschaffen kun je kiezen voor een zakelijke hypotheek van New10. Via een zakelijke lening van ABN AMRO kun je zowel nieuwe als bestaande panden financieren.",{"type":2283,"tag":2284,"props":2383,"children":2384},{},[2385],{"type":2288,"value":2386},"Laten we kijken naar beide opties.",{"type":2283,"tag":2297,"props":2388,"children":2390},{"id":2389},"de-zakelijke-hypotheek-via-new10",[2391],{"type":2288,"value":2392},"De zakelijke hypotheek: via New10",{"type":2283,"tag":2284,"props":2394,"children":2395},{},[2396],{"type":2288,"value":2397},"Net als bij een particuliere aankoop wordt een zakelijk pand vaak via een hypotheek aangekocht. Als je voor een zakelijke hypotheek wilt gaan kun je deze bij New10 afsluiten. Maar waar moet je rekening mee houden als je voor de zakelijke hypotheek via New10 gaat? De maximale financieringswaarde is 1 miljoen en qua taxatiewaarde kun je tot 90% van het pand financieren. Daarnaast heb je de keuze uit een rentevaste periode van 5 of 10 jaar. Wel kan het zo zijn dat je een slottermijn hebt, en deze moet herfinancieren of in één keer moet aflossen.",{"type":2283,"tag":2399,"props":2400,"children":2402},"h4",{"id":2401},"additionele-voorwaarden",[2403],{"type":2288,"value":2404},"Additionele voorwaarden",{"type":2283,"tag":2284,"props":2406,"children":2407},{},[2408,2410,2418],{"type":2288,"value":2409},"Naast de kenmerken zijn er ook nog voorwaarden die belangrijk zijn voor je aanvraag. Bij ",{"type":2283,"tag":2329,"props":2411,"children":2415},{"href":2412,"rel":2413},"https:\u002F\u002Fnew10.com\u002Fzakelijke-hypotheek?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=dpkn_scaling_blog",[2414],"nofollow",[2416],{"type":2288,"value":2417},"New10",{"type":2288,"value":2419}," heb je te maken met o.a. de volgende voorwaarden:",{"type":2283,"tag":2421,"props":2422,"children":2423},"ul",{},[2424,2430,2435,2440,2445,2450,2455],{"type":2283,"tag":2425,"props":2426,"children":2427},"li",{},[2428],{"type":2288,"value":2429},"Een positief eigen vermogen en winstgevendheid",{"type":2283,"tag":2425,"props":2431,"children":2432},{},[2433],{"type":2288,"value":2434},"Een minimale jaaromzet van €50.000",{"type":2283,"tag":2425,"props":2436,"children":2437},{},[2438],{"type":2288,"value":2439},"Een gezonde verhouding tussen eigen vermogen en totale bezittingen (meestal minstens 20%)",{"type":2283,"tag":2425,"props":2441,"children":2442},{},[2443],{"type":2288,"value":2444},"Een geschikte bedrijfsvorm (Je bedrijf is een eenmanszaak, vof, maatschap, bv of een bv in de holding)",{"type":2283,"tag":2425,"props":2446,"children":2447},{},[2448],{"type":2288,"value":2449},"Aantoonbare financiële geschiedenis (vaak 15 maanden bankafschriften)",{"type":2283,"tag":2425,"props":2451,"children":2452},{},[2453],{"type":2288,"value":2454},"Recente jaarrekeningen (meestal van de afgelopen 3 jaar)",{"type":2283,"tag":2425,"props":2456,"children":2457},{},[2458],{"type":2288,"value":2459},"De aanvraag verloopt via ABN AMRO of via een intermediair.",{"type":2283,"tag":2284,"props":2461,"children":2462},{},[2463],{"type":2288,"value":2464},"Ook zijn er nog voorwaarden waar je bedrijfspand aan moet voldoen:",{"type":2283,"tag":2421,"props":2466,"children":2467},{},[2468,2473,2478,2483],{"type":2283,"tag":2425,"props":2469,"children":2470},{},[2471],{"type":2288,"value":2472},"Het mag geen nieuwbouw pand zijn",{"type":2283,"tag":2425,"props":2474,"children":2475},{},[2476],{"type":2288,"value":2477},"Voor een kantoorpand of een pand met een gedeeltelijke kantoorfunctie is een energielabel A, B of C vereist. Voor panden met een andere functie (bijvoorbeeld industriefunctie) is geen energielabel vereist.",{"type":2283,"tag":2425,"props":2479,"children":2480},{},[2481],{"type":2288,"value":2482},"Geen giftige stoffen aanwezig in het pand (zoals bijvoorbeeld asbest)",{"type":2283,"tag":2425,"props":2484,"children":2485},{},[2486],{"type":2288,"value":2487},"De erfpachttermijn is langer dan de looptijd van de lening",{"type":2283,"tag":2284,"props":2489,"children":2490},{},[2491,2493,2499],{"type":2288,"value":2492},"Deze voorwaarden zijn ten tijde van schrijven en kunnen veranderen. ",{"type":2283,"tag":2329,"props":2494,"children":2496},{"href":2412,"rel":2495},[2414],[2497],{"type":2288,"value":2498},"Bekijk de actuele voorwaarden",{"type":2288,"value":2336},{"type":2283,"tag":2297,"props":2501,"children":2503},{"id":2502},"abn-amro-de-zakelijke-lening",[2504],{"type":2288,"value":2505},"ABN AMRO: de zakelijke lening",{"type":2283,"tag":2284,"props":2507,"children":2508},{},[2509,2511,2518],{"type":2288,"value":2510},"Als alternatief voor de zakelijke hypotheek kun je ook kiezen voor ",{"type":2283,"tag":2329,"props":2512,"children":2515},{"href":2513,"rel":2514},"https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fproducten\u002Ffinancieren\u002Fzakelijke-lening\u002Findex.html",[2414],[2516],{"type":2288,"value":2517},"de zakelijke lening",{"type":2288,"value":2519},". Kijkend naar de gemiddelde financieringsbehoeften die wij eerder noemden (€ 450.000 tot 750.000) is een zakelijke lening ook passend.",{"type":2283,"tag":2284,"props":2521,"children":2522},{},[2523],{"type":2288,"value":2524},"Bij New10 kun je ook een zakelijke lening aanvragen, maar deze kun je niet gebruiken voor de aankoop van een pand. Als je via een zakelijke lening een pand wilt aanschaffen moet je dit dus via de zakelijke lening van ABN AMRO doen.",{"type":2283,"tag":2284,"props":2526,"children":2527},{},[2528],{"type":2288,"value":2529},"Het leenbedrag start bij de € 250.000, en de looptijd ligt tussen de 1-20 jaar. Qua looptijd kun je hier dus een langere commitment aangaan dan bij de hypotheek via New10. De voorwaarden en rentes zijn op aanvraag beschikbaar en worden afgestemd op jouw specifieke situatie.",{"type":2283,"tag":2284,"props":2531,"children":2532},{},[2533,2535,2542],{"type":2288,"value":2534},"Een zakelijk krediet is een andere optie, waarbij je ",{"type":2283,"tag":2329,"props":2536,"children":2539},{"href":2537,"rel":2538},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fmagazine\u002Fgezond-werkkapitaal-de-sleutel-tot-duurzame-groei\u002F",[2414],[2540],{"type":2288,"value":2541},"flexibel kunt opnemen en aflossen",{"type":2288,"value":2543},". Je betaalt alleen rente over het opgenomen bedrag. Dit kan handig zijn bij gefaseerde verbouwingen of als je tijdelijke liquiditeitsbehoeften hebt. Wel goed om te weten dat het ongebruikelijk is om de hoofdsom van jouw bedrijfspand via een zakelijk krediet te financieren.",{"title":918,"searchDepth":2290,"depth":2290,"links":2545},[2546],{"id":2362,"depth":2290,"text":2365,"children":2547},[2548,2549,2550],{"id":2368,"depth":2311,"text":2371},{"id":2389,"depth":2311,"text":2392},{"id":2502,"depth":2311,"text":2505},{"data":2552,"body":2553,"toc":2616},{"title":918,"description":918},{"type":2280,"children":2554},[2555,2560,2566,2580,2603],{"type":2283,"tag":2360,"props":2556,"children":2558},{"id":2557},"waar-moet-je-aan-voldoen",[2559],{"type":2288,"value":1024},{"type":2283,"tag":2297,"props":2561,"children":2563},{"id":2562},"toegangspoort-tot-financiering",[2564],{"type":2288,"value":2565},"Toegangspoort tot financiering",{"type":2283,"tag":2284,"props":2567,"children":2568},{},[2569,2571,2578],{"type":2288,"value":2570},"Bij het aanvragen van een financiering zijn er verschillende criteria waarmee je kredietwaardigheid beoordeeld wordt. De ",{"type":2283,"tag":2329,"props":2572,"children":2575},{"href":2573,"rel":2574},"https:\u002F\u002Fproduction-site-nl.kvk.bloomreach.cloud\u002Fbinaries\u002Fcontent\u002Fassets\u002Fkvkwebsite-nl\u002Fcategorie\u002Fonderzoeken\u002Fkvk_onderzoeksrapport_ondernemen_in_2024.pdf",[2414],[2576],{"type":2288,"value":2577},"KVK geeft aan",{"type":2288,"value":2579}," dat de volgende factoren een belangrijke rol spelen:",{"type":2283,"tag":2421,"props":2581,"children":2582},{},[2583,2588,2593,2598],{"type":2283,"tag":2425,"props":2584,"children":2585},{},[2586],{"type":2288,"value":2587},"Je ondernemingshistorie - minimaal 15 maanden inschrijving bij KVK geeft vertrouwen",{"type":2283,"tag":2425,"props":2589,"children":2590},{},[2591],{"type":2288,"value":2592},"Je winstgevendheid - een gezonde winst is een teken van duurzaamheid",{"type":2283,"tag":2425,"props":2594,"children":2595},{},[2596],{"type":2288,"value":2597},"Je eigen inbreng - bereidheid om zelf te investeren toont commitment",{"type":2283,"tag":2425,"props":2599,"children":2600},{},[2601],{"type":2288,"value":2602},"Een realistische onderbouwing van je plannen",{"type":2283,"tag":2284,"props":2604,"children":2605},{},[2606,2608,2615],{"type":2288,"value":2607},"Bij jouw aanvraag voor een financiering ",{"type":2283,"tag":2329,"props":2609,"children":2612},{"href":2610,"rel":2611},"https:\u002F\u002Fwww.abnamro.nl\u002Fnl\u002Fzakelijk\u002Fspeciaal-voor\u002Fgroeiende-ondernemer\u002Ffinancieren\u002Fbeoordeling-financieringsaanvraag.html",[2414],[2613],{"type":2288,"value":2614},"letten we niet alleen op de cijfers. We kijken ook naar jou als ondernemer en je bedrijf",{"type":2288,"value":2336},{"title":918,"searchDepth":2290,"depth":2290,"links":2617},[2618],{"id":2557,"depth":2290,"text":1024,"children":2619},[2620],{"id":2562,"depth":2311,"text":2565},{"data":2622,"body":2623,"toc":2701},{"title":918,"description":918},{"type":2280,"children":2624},[2625,2630,2636,2650,2661,2666,2689],{"type":2283,"tag":2360,"props":2626,"children":2628},{"id":2627},"hoe-vergroot-je-je-slagingskans",[2629],{"type":2288,"value":1032},{"type":2283,"tag":2297,"props":2631,"children":2633},{"id":2632},"zet-je-beste-beentje-voor",[2634],{"type":2288,"value":2635},"Zet je beste beentje voor",{"type":2283,"tag":2284,"props":2637,"children":2638},{},[2639,2641,2648],{"type":2288,"value":2640},"Het is handig om al je plannen duidelijk op papier te zetten. Voor zowel de zakelijke hypotheek van New10 als de zakelijke lening van ABN AMRO is het goed om dit te doen. Het zet je aan het denken en kan je zo op punten wijzen die je anders over het hoofd had gezien. Een ",{"type":2283,"tag":2329,"props":2642,"children":2645},{"href":2643,"rel":2644},"https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fdownload-groei-businessmodelcanvas\u002F",[2414],[2646],{"type":2288,"value":2647},"Business Model Canvas",{"type":2288,"value":2649}," kan hier een goed hulpstuk voor zijn.",{"type":2283,"tag":2284,"props":2651,"children":2652},{},[2653,2659],{"type":2283,"tag":2329,"props":2654,"children":2656},{"href":2573,"rel":2655},[2414],[2657],{"type":2288,"value":2658},"Veel ondernemers vinden",{"type":2288,"value":2660}," dat zij een gebrek aan inzicht in de financieringsmogelijkheden hebben, en dat de onduidelijke eisen rond de aanvraag belangrijke obstakels zijn. Door te zorgen dat je goed in kaart brengt wat jouw bedrijf nodig heeft kun je ook gericht kijken naar de financieringsopties. Zo maak je de mogelijkheden helder en kun je kijken naar eisen voor de aanvraag die relevant zijn voor jou.",{"type":2283,"tag":2284,"props":2662,"children":2663},{},[2664],{"type":2288,"value":2665},"Verzamel in ieder geval de volgende documenten:",{"type":2283,"tag":2421,"props":2667,"children":2668},{},[2669,2674,2679,2684],{"type":2283,"tag":2425,"props":2670,"children":2671},{},[2672],{"type":2288,"value":2673},"Je jaarrekeningen van de afgelopen 2-3 jaar",{"type":2283,"tag":2425,"props":2675,"children":2676},{},[2677],{"type":2288,"value":2678},"Je financiële prognoses",{"type":2283,"tag":2425,"props":2680,"children":2681},{},[2682],{"type":2288,"value":2683},"Een waardebepaling van het pand",{"type":2283,"tag":2425,"props":2685,"children":2686},{},[2687],{"type":2288,"value":2688},"Een helder ondernemingsplan (of Business Model Canvas)",{"type":2283,"tag":2284,"props":2690,"children":2691},{},[2692,2699],{"type":2283,"tag":2329,"props":2693,"children":2696},{"href":2694,"rel":2695},"https:\u002F\u002Fopen.overheid.nl\u002Fdocumenten\u002F6319defc-d3d8-48a6-9e52-54c5a1ccf23b\u002Ffile",[2414],[2697],{"type":2288,"value":2698},"Onderzoek van PWC",{"type":2288,"value":2700}," toont aan dat een gedegen bedrijfsplan en transparante financiële informatie twee keer zo belangrijk zijn voor het verkrijgen van financiering als de sector waarin je actief bent. Dus zorg ervoor dat je deze documenten meeneemt en je kans stijgt aanzienlijk.",{"title":918,"searchDepth":2290,"depth":2290,"links":2702},[2703],{"id":2627,"depth":2290,"text":1032,"children":2704},[2705],{"id":2632,"depth":2311,"text":2635},{"data":2707,"body":2708,"toc":2725},{"title":918,"description":918},{"type":2280,"children":2709},[2710,2715,2720],{"type":2283,"tag":2360,"props":2711,"children":2713},{"id":2712},"de-recente-vastgoedmarkt",[2714],{"type":2288,"value":1040},{"type":2283,"tag":2284,"props":2716,"children":2717},{},[2718],{"type":2288,"value":2719},"Volgens hetzelfde onderzoek van PWC heeft de recente renteverlaging door de ECB in juni 2024 (voor het eerst in twee jaar) hoop gegeven op verdere stabilisering van de kapitaalmarktrente. Dit kan gunstig zijn voor ondernemers die op zoek zijn naar financiering voor een bedrijfspand.",{"type":2283,"tag":2284,"props":2721,"children":2722},{},[2723],{"type":2288,"value":2724},"Het rapport laat ook zien dat er sprake is van polarisatie in de vastgoedmarkt: hoogwaardige, duurzame gebouwen op toplocaties blijven in trek, terwijl de rest van de markt stabiliseert. Voor ondernemers betekent dit dat de locatie en duurzaamheidskenmerken van een pand steeds belangrijker worden voor de financierbaarheid en toekomstwaarde.",{"title":918,"searchDepth":2290,"depth":2290,"links":2726},[2727],{"id":2712,"depth":2290,"text":1040},{"data":2729,"body":2730,"toc":2764},{"title":918,"description":918},{"type":2280,"children":2731},[2732,2737,2742,2747,2759],{"type":2283,"tag":2360,"props":2733,"children":2735},{"id":2734},"jouw-volgende-stap",[2736],{"type":2288,"value":1048},{"type":2283,"tag":2284,"props":2738,"children":2739},{},[2740],{"type":2288,"value":2741},"Met deze informatie kun je nu hopelijk beter bepalen welke financieringsvorm het beste past bij jouw situatie. Let op dat de genoemde voorwaarden en rentepercentages kunnen veranderen, dus check altijd de actuele informatie.",{"type":2283,"tag":2284,"props":2743,"children":2744},{},[2745],{"type":2288,"value":2746},"Een goed voorbereide financieringsaanvraag voor je bedrijfspand is als het leggen van een stevig fundament voor de toekomst van je onderneming. Met de juiste financiering kun je bouwen aan verdere groei en succes.",{"type":2283,"tag":2284,"props":2748,"children":2749},{},[2750,2752,2758],{"type":2288,"value":2751},"Als je toch nog twijfelt en even wilt sparren over de mogelijkheden, kun je ook ",{"type":2283,"tag":2329,"props":2753,"children":2755},{"href":2754},"\u002Fhulpmiddelen-en-diensten\u002F15-minuten-gesprek\u002F",[2756],{"type":2288,"value":2757},"een kort gesprek inplannen met één van onze adviseurs",{"type":2288,"value":2336},{"type":2283,"tag":2284,"props":2760,"children":2761},{},[2762],{"type":2288,"value":2763},"Binnen 15 minuten kun je dan vrijblijvend jouw plannen bespreken met een expert van de ABN AMRO.",{"title":918,"searchDepth":2290,"depth":2290,"links":2765},[2766],{"id":2734,"depth":2290,"text":1048},1792583429538]