Business creditworthiness
How lenders and credit information agencies assess a business: equity, payment behaviour, sector and business continuity.
Knowledge centre on business creditworthiness, debtor risk, insolvency and working capital finance
Background and explanations on business creditworthiness, debtor risk, insolvency and finance. Factual, with sources, without the sales pitch.
Managing debtor risk
Credit limits per customer, payment terms, payment reminders and the effect of revenue concentration on your risk.
Insolvency and bankruptcy
What do a suspension of payments, bankruptcy or a business restart mean for your claim, and where can you find the official notice?
Finance and working capital
From bank credit and factoring to private debt: which type suits which financing need.
Business articles
- What is private debt? A guide for business owners
Private debt is finance provided by non-bank lenders. What it is, how it works and when it may be suitable for your business.
- Direct lending: finance without a bank
Direct lending is the most widely used form of private debt. How does a loan directly from a fund work, and what does it mean for your cash flow?
- Mezzanine finance: growing without giving up shares
Mezzanine sits between debt and equity. Here is how to use it to grow or make an acquisition without diluting your stake.
- Unitranche finance: one loan instead of two
Unitranche combines senior and subordinated finance in a single facility with one interest rate. Useful for acquisitions and transactions with tight timescales.
- Subordinated loans: what do they mean for your business?
A subordinated loan often counts towards your risk-bearing capital and can enable bank financing. Here is how it works and what the risks are.
- Growth financing for SMEs: an overview of the options
From bank credit to private debt and mezzanine: which growth financing suits your stage, margin and investment plan?
- Business bridging loans: temporary financing
A bridging loan covers a temporary gap in your cash flow or financing. Costs, terms and pitfalls to avoid.
- Commercial property financing outside the banking sector
Private debt providers often finance business premises and investment property faster and more flexibly than banks. Here is how it works.
- Asset based lending: financing against your balance sheet
Stock, machinery and trade receivables can release working capital. How does asset based lending work, and when does it make sense?
- Venture debt for scale-ups: growth without dilution
Venture debt is a loan alongside venture capital. It extends your runway and helps you reach the next milestone without issuing additional shares.
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- CreditCheck.nl provides credit information about both businesses and individuals.
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- We do not provide credit ourselves or offer financial advice.
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