A business credit line inside your Holvi account
Cover the costs that fall due before your clients’ payments arrive. Pay with your credit card* or move money from your credit line straight to your Holvi account.
*New customers can apply for credit once their business has been operating for at least four months.
Finance your material costs
Buy the materials or software licences you need with your credit line, without tying up your working capital.
One credit line, many ways to use it
Cover the bills a credit card wouldn’t work for: move money from your credit line straight to your Holvi account.
Spread out larger purchases
Large purchases don’t take as big of a chunk out of your cash when you spread the payment over 12 months.
Even out uneven months
Come prepared for unexpected costs and seasonal swings, and repay your credit when it best suits your business.
Pay the bills your credit card can’t reach, too
Use the same credit line to pay straight from your account. Move money from your business credit line to your Holvi account and pay the bills your credit card can’t reach: such as suppliers, subcontractors and rent.
You don’t need a separate application or lender for the transfer. It all happens within your Holvi account, exactly when you decide. Each transfer costs 2% of the amount moved.
Extra time to pay, with no monthly fee
Use your credit however best suits your business. You can pay off the remaining balance at any time, and if you pay it by the end of the month, you don’t have to pay interest on it. You can also split the payment over 1 or 12 months, in which case interest is charged only on the split amount.
- €0/month – no monthly fee
- Pay in full by the end of the month: 0% interest
- Spread the payment: fixed interest rate 18%
Made for businesses whose bills won’t wait for the client to pay
See how businesses in different industries cover their costs with Holvi’s business credit line and credit card.
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Pay for materials and subcontractors on time, even when the client only pays once the job is done. Move money from your credit line to your account and pay your bills on time as usual.
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Cover media, advertising budgets and freelancers before the client’s invoice is paid. Repay the credit once the campaign or month has been invoiced.
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Buy licences and equipment for a project you’ve already sold, without tying up your working capital.
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Even out fuel and fleet costs across uneven months. Repay in step with your income, either monthly or over 12 months.
How to apply for credit
Apply for credit easily in the Holvi app under “Financing”. If you’re not a Holvi customer yet, open an account first.
We recommend reading every point in the “How it can work for you” section before you start your application. Then choose your credit plan and fill in the rest of the details.
We review every credit application carefully. Whether credit is granted, and how much, is based on your account data and your business’s historical and financial information.
Credit limits: up to €5,000 for sole traders and up to €50,000 for limited companies.
If you use other business accounts, connect them to Holvi. They give us a clearer overall picture of your business’s finances. Most approved applicants have connected at least one account.
You can do this via the quick link in the Financing section. Read the detailed instructions in our Help Centre.
Clear pricing for credit
No additional monthly fee. You only pay interest if you split the payment over several months. Each transfer to your account costs 2% of the amount moved. Give your team credit cards for €2–3 per card per month.
Secure since 2011
Companies have used Holvi already for 15 years
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Every transaction on each of your business cards is protected.
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Your money stays safe
Holvi is a licenced and supervised payment institution. Customer funds are always kept separate from Holvi’s own funds.
Frequently asked about business credit
You can apply for credit once your business has been operating for at least four months. Approval is based on account data, company history and financial information. You can confirm your company history through your Holvi account or by connecting another bank account to Holvi via Open Banking.
Please note that credit is only granted subject to a credit assessment and thus can’t be guaranteed.
Credit limits go up to €5,000 for sole traders and up to €50,000 for limited companies. Your final limit is set in the credit assessment, based on your business’s details.
If credit isn’t granted now, you can apply again later, for example once your business has more operating history. Connecting an external account via Open Banking can improve your chances of an approved application.
The credit card has no monthly fee at all. If you pay your bill in full within the current month, the interest rate is 0%. If you split the payment over 1 or 12 months, the fixed interest rate is 18%, and interest is charged only on the split amount.
You can move money from your business credit line straight to your Holvi account and pay suppliers, subcontractors or your landlord as usual. Each transfer costs 2% of the amount moved, and you repay the credit as normal. It all happens through your Holvi account: you don’t need a separate application or lender.
When you pay with a debit card, the money is taken from your Holvi account right away, so the account needs to have enough funds. With a credit card, the charge goes to your credit account, and the bill only falls due at the end of the following month, either in one go or in installments.
You can order credit cards for your team as well, for €2–3 per card per month. The exact price depends on your plan. You can see all your cards and expenses in one place in Holvi.
Snap a picture with your phone and save the receipt in the Holvi app, and it stays with the payment. Anyone on your team with a Holvi card can scan receipts for their purchases. Categorise your transactions and add VAT, and the details are ready for your accountant without you sending anything separately.
Ease your financial management even more
Business account
Handle payments, invoicing and cards from the same Holvi account your credit runs on.
Payment cards
Give your team their own payment cards and keep every expense on record, right down to the receipt.
Bookkeeping prep
Get your transactions, receipts and VAT easily sorted, so your accountant gets clean data without extra effort from you.