Business loans: Stay in control of your cash flow
Whether it’s new hardware, unpaid invoices, or ongoing costs, with Kontist you’ll see in seconds whether you qualify for an offer and get your funds as early as the next day – right in the app, with no paperwork.*
- Approval in seconds
- Payout within 24 hours
- Directly in your Kontist app
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on Google Play Store
Keep your business moving. Even when payments slow down.
Income doesn't always arrive when you need it, but your expenses don’t wait. That’s why Kontist gives you fast access to the financing you need to cover expenses and bridge gaps — without delays.
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.
Key details at a glance:
Amounts from €500 to €50,000
Terms of 4–18 months
Weekly repayments, with early repayment possible at any time
Interest rates from 9%
The more you use your Kontist account, the better your terms can be
How financing with Kontist works
Freelancers who have been actively using a Kontist account for at least three months can apply directly in the app. After submitting your request, you’ll immediately see whether you qualify, how much you can get, and under what conditions — so you can make a decision fast and stay in control.
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