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Voor financieringen boven de € 20.000 gelden andere voorwaarden, deze kun je [hier](https:\u002F\u002Fnew10.com\u002Fabnamro?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=doorpakken_youlend) bekijken.",{"__typename":980,"sys":1002,"linksCollection":1004,"image":8,"name":1006,"variant":8,"header":8,"body":1007},{"id":1003},"100iloaCMja4eVVaWIPsVj",{"items":1005},[],"Microkrediet 2.4 | Kan ik een microkrediet aanvragen zonder jaarrekening?","## Kan ik een microkrediet aanvragen zonder jaarrekening?\n\nEen goede vraag voor veel beginnende ondernemers. Hoe kom je in aanmerking voor een financiering zonder jaarrekening? Dat is voor grotere financieringen vaak één van de voorwaarden, maar voor een microkrediet geldt dit gelukkig niet altijd. \n\nYouLend kijkt op basis van jouw maandelijkse omzet of je in aanmerking komt, dus een jaarrekening is __niet__ nodig. ",{"__typename":980,"sys":1009,"linksCollection":1011,"image":8,"name":1013,"variant":8,"header":1014,"body":1015},{"id":1010},"3bWkepz9R213S4kQfPYHzb",{"items":1012},[],"Microkrediet 2.5 | Hoelang duurt het voordat microkrediet aanvraag goedgekeurd en uitbetaald wordt?","Hoelang duurt het voordat microkrediet aanvraag goedgekeurd en uitbetaald wordt?","## Hoelang duurt het voordat microkrediet aanvraag goedgekeurd en uitbetaald wordt?\n\nDe goedkeuring wordt op basis van o.a. de bovenstaande gegevens direct gedaan, en je kunt over het algemeen binnen 24 uur een aanbod van YouLend verwachten. Na je akkoord staat de lening binnen een week op je rekening – in de meeste gevallen zelfs al binnen 48 uur.\n\nDit maakt microkredieten een snelle en efficiënte manier om toegang te krijgen tot de financiering die je nodig hebt, vooral als je op korte termijn geld nodig hebt om bijvoorbeeld je bedrijf draaiende te houden of een uitbreiding te realiseren.\n",{"__typename":980,"sys":1017,"linksCollection":1019,"image":8,"name":1021,"variant":8,"header":8,"body":1022},{"id":1018},"6uaYdYFt96xin1VuXW654H",{"items":1020},[],"Microkrediet 2.6 | Interesse in een microkrediet?","## Interesse in een microkrediet?\n\nWij helpen je graag verder met jouw zoektocht naar een microkrediet dat het beste bij jouw bedrijf past. Onder de € 20.000 kan [YouLend je verder helpen](https:\u002F\u002Fdoorpakken.abnamro.nl\u002Fhulpmiddelen-en-diensten\u002Fyoulend\u002F), en daarboven kun je [het beste terecht bij New10](https:\u002F\u002Fnew10.com\u002Fabnamro?nt_source=abnamro&nt_medium=referral&nt_campaign=coop&nt_content=doorpakken_youlend_art1).",{"__typename":1024,"sys":1025,"image":8,"type":1027,"variant":1028,"title":8,"subtitle":1029,"body":8,"primaryLink":1030},"Name",{"id":1026},"1gH9bqN7xSS9RGPuPKz6m9","sales","highlight","Snel en flexibel tot € 20.000 financieren? Ontdek onze microkrediet oplossing",{"asset":8,"leadingIcon":8,"icon":27,"iconPosition":1031,"externalUrl":8,"internalUrl":8,"type":1032,"name":1033,"label":1034,"title":8,"theme":8,"linkedPage":1035},"end","internal","In-blog - YouLend","Bekijk Youlend",{"slug":36,"parentPage":1036},{"slug":39,"parentPage":1037},{"slug":42},{"items":1039},[1040,1053,1077,1085],{"__typename":1041,"sys":1042,"cardsCollection":1044,"textAnimation":8,"type":1046,"title":1047,"subtitle":8,"anchorName":1048,"tagsCollection":1049},"CompCardWrapper",{"id":1043},"3xT5ALrxh1eaFLmVi4wizF",{"items":1045},[],"filterable-article-previews-wrapper","Meer over microkrediet","Meer lezen",{"items":1050},[1051],{"sys":1052,"name":956,"value":957,"type":958,"filterParameter":959},{"id":955},{"__typename":1041,"sys":1054,"tagsCollection":1056,"textAnimation":8,"type":1058,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1059},{"id":1055},"2OUEiZaVbOBDZnp5yw7iLu",{"items":1057},[],"anchor-wrapper",{"items":1060},[1061],{"__typename":1024,"sys":1062,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1064,"alignment":1065,"title":1066,"subtitle":8,"body":1067,"trackingComponentName":1068,"videoControls":8,"optionalVideoExtras":8,"image":1069,"primaryLink":1071},{"id":1063},"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":1070,"description":922},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FhZXE8zH8GqvwT2zgSdYT8\u002F16c94cbea994c11609a95fa844ce7499\u002Fcoverimage-crowdfunding__1_.jpg",{"asset":8,"dialogueModal":8,"leadingIcon":8,"icon":1072,"iconPosition":1031,"externalUrl":8,"internalUrl":8,"type":1032,"name":1073,"label":1073,"title":8,"theme":8,"linkedPage":1074},"chevron","Bekijk het mentorschap",{"slug":188,"parentPage":1075},{"slug":39,"parentPage":1076},{"slug":42},{"__typename":1024,"sys":1078,"primaryLink":8,"secondaryLink":8,"cardAnimation":8,"mediaAnimation":8,"textAnimation":8,"type":1080,"alignment":8,"title":8,"subtitle":8,"body":1081,"trackingComponentName":8,"videoControls":1082,"optionalVideoExtras":8,"image":1083},{"id":1079},"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":1084,"description":922},"https:\u002F\u002Fimages.ctfassets.net\u002Fugvt7frqdowh\u002FYfEXBiaHPOAZ0m8ndLPo5\u002Fbb4ba4d948ba53b6a5315567d7663e98\u002Frobbert-profiel.png",{"__typename":1041,"sys":1086,"tagsCollection":1088,"textAnimation":8,"type":1090,"title":8,"subtitle":8,"anchorName":8,"cardsCollection":1091},{"id":1087},"4WyOqzlGSoZgp4xoBky1gC",{"items":1089},[],"feedback-card-wrapper",{"items":1092},[1093],{"__typename":1094,"sys":1095,"label":1097,"valueId":1098,"layout":1099,"radioType":1100,"required":8,"helperMessage":1101,"leadType":8,"placeholder":8,"tooltip":8,"radiobuttonsCollection":1102},"WizardComponentRadiobuttonSet",{"id":1096},"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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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":1238},[1239,1241,1243,1245,1247,1249],{"sys":1240,"name":928,"value":929,"type":930},{"id":927},{"sys":1242,"name":934,"value":935,"type":930},{"id":933},{"sys":1244,"name":1146,"value":1147,"type":941},{"id":1145},{"sys":1246,"name":945,"value":946,"type":930},{"id":944},{"sys":1248,"name":17,"value":950,"type":951},{"id":949},{"sys":1250,"name":1252,"value":1253,"type":958},{"id":1251},"43fyFcIgtr2eL3JKSxReoK","Crowdfunding","crowdfunding",{"url":1070,"description":922},{"sys":1256,"title":1258,"slug":1259,"titleForCarousel":1258,"publishingTime":1260,"articleType":915,"parentPage":1261,"tagsCollection":1262,"mainImage":1279},{"id":1257},"4gjGpE7C49xmq21jXQpOfl","Groeien vanuit eigen kracht: wanneer bootstrap je je 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