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Business loans in the Netherlands for BVs and exporters
Dutch companies that trade in dollars can borrow in USD from independent lenders. We explain the euro exposure before you decide.
Who we help in Netherlands
We help business owners prepare applications and connect with independent lenders that lend across borders, with expert advice to improve your chances of approval.
All financing is arranged in USD.
Importers and exporters
Rotterdam and Schiphol make the Netherlands a hub where goods are often bought in USD and resold in euros.
Technology startups
Companies in Amsterdam and Eindhoven that sell internationally and invoice in dollars.
Horticulture and agri-food
Greenhouse growers and food processors that export across Europe and beyond.
Dutch BVs and sole traders
Limited companies (BV) and eenmanszaak owners with a registered KvK number.
Registration and documents
Lenders typically ask for:
- Chamber of Commerce (KvK) extract for the business
- Ultimate beneficial owner (UBO) register details
- Latest annual accounts or management accounts
- VAT (BTW) number with recent returns, and ID for directors
Borrowing in USD
Your revenue is probably in euros while the loan is in dollars. The euro floats against the dollar, so a falling euro raises the cost of repayment in euro terms. The exposure is smaller if you also buy in USD. Read our multi-currency guide before choosing the amount.
Typical uses
Trade and logistics
Pay suppliers in USD ahead of customer payments with working capital loans.
Greenhouse and processing equipment
Automation and climate systems are typical equipment financing cases.
Scaling a tech business
Hiring and market entry may suit a small business loan.
An illustration
A Rotterdam importer buys machine parts from Asian suppliers in USD and sells to Dutch customers in euros. It needs USD 150,000 over three months to cover a large order. Because its costs are already in dollars, the exposure is limited. Lenders review its KvK extract, annual accounts and bank statements.
For illustration only. This is not an offer, rate or quote.
Local points to know
Dutch companies must register with the KvK and file annual accounts, and lenders rely on those records. EU and Dutch rules on lending apply to the lender. We do not give legal or tax advice.
I’ve worked with JP Lending for my business’s international expansion, and I couldn’t be happier with the experience. The application process was quick and simple, and their team provided support every step of the way. I highly recommend them to anyone looking for a loan!
Frequently asked questions
Is a BV required?
No. Sole traders and other forms can apply, but a BV with filed accounts is easier to assess.
Can I borrow in euros instead?
Our financing is arranged in USD. If you need euros, tell us and we will say whether a lender can offer it.
Do lenders need Dutch bank statements?
Usually yes: recent statements from your business account show revenue and repayment capacity.
Related financing options and other regions
Working capital loans
Short-term funding to bridge payment gaps and seasonal swings.
Loan typeEquipment financing
Finance for machinery, vehicles and technology, often secured on the asset.
Loan typeSmall business loans
A lump sum for stock, payroll or marketing, repaid over an agreed term.
RegionUnited States
USD financing for foreign-owned US companies and non-US founders.
RegionRest of Europe
UK and European companies borrowing in USD against euro, pound and other revenue.
RegionDubai / UAE
Mainland and free-zone companies, with the dirham pegged to the dollar.
Ready to apply for business funding?
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