Flexible business financing for freelancers
Whether it’s new hardware, unpaid invoices, or ongoing costs: with Kontist, you get fast access to capital — directly in the app, with no paperwork.*
- Amounts up to €50,000
- Interest rates from 9%
- Approval and payout within 24 hours
4.7
on App Store
4.5
on Google Play Store
Financial flexibility for the moments that matter
Running a business doesn’t always go according to plan. Income can be delayed while expenses keep coming. That’s exactly where this financing comes in. It helps you bridge short-term gaps and stay in control — without the complexity and long decision processes of traditional loans.
Financing in just four steps
1. Apply for financing
You can apply anytime directly in your Kontist app.
2. Get an offer
You’ll receive an offer within seconds after submitting your request.
3. Confirm & receive payout
Choose how much of the offer you want to use, confirm it, and the money will be paid out to your Kontist account the next day.
4. Repayment
Repay your financing over 4 to 18 months, depending on your individual terms.
How financing with Kontist works
Freelancers and businesses who have had a Kontist account for at least three months can apply for financing — regardless of their account plan. After submitting your request, you’ll receive a final decision within seconds — with no paperwork required. You’ll immediately see whether you qualify, how much you can get, and under what conditions.
Frequently Asked Questions
What are my repayment options?
What if I’m having trouble making payments?
Can I take out multiple financings at the same time?
Which plan suits you best?
Kontist Free
- SEPA instant transfers
- Real-time tax estimation
- Business account with German IBAN
- 5 SEPA transfers & direct debits
Kontist Start
Kontist Plus
Kontist Free
- SEPA instant transfers
- Real-time tax estimation
- Business account with German IBAN
- 5 SEPA transfers & direct debits