Providing loans to businesses, whether large or small, was for many decades - if not hundreds - of years the\u00a0exclusive domain of banks<\/strong>. For a long time, anyone who needed money as an entrepreneur to grow further, invest in machinery or take over a competitor had only one option: to turn to one of the general banks. This situation has changed rapidly in recent years.\u00a0Traditional banks have become increasingly cautious<\/strong>\u00a0with lending to businesses. This is due not only to regulations and uncertain economic conditions, but also to an unfavourable earnings model for banks. In addition, procedures have become much more bureaucratic, often making a financing application take many months. For many an entrepreneur, the\u00a0chance then already lost<\/strong>.<\/p>\r\n\r\n\r\n\r\n This created a clear gap between supply and demand. And, as it always goes then in the economy, plenty of parties dared to jump into that gap. The first to do so were large parties who, in acquisitions worth many hundreds of millions of\u00a0provided loans of tens of millions<\/strong>. They did this without the intervention of any bank. This gave birth to the phenomenon of 'Direct Lending'; a form of non-bank financing where the money often comes from institutional investors, such as pension funds.<\/p>\r\n\r\n\r\n\r\n A well-known and fairly recent example of a Direct Lending transaction is the\u00a0acquisition of Sunweb<\/strong>\u00a0by an investment company, in early 2019. In doing so, Pemberton Asset Management Group provided funding of some 100 million euros. Meanwhile, there are\u00a0dozens of new\u00a0Direct Lenders<\/em>\u00a0on the market<\/strong>. Some focus on medium-sized and large companies and provide loans from \u20ac1 million to as much as \u20ac10 million. Other parties, on the other hand, focus on smaller companies and provide loans of up to \u20ac250,000, for example.<\/p>\r\n\r\n\r\n\r\n The exact terms are different with all parties. Broadly speaking, these are the most common conditions:<\/p>\r\n\r\n\r\n\r\n The question is why entrepreneurs prefer Direct Lending to other (non-banking) forms of financing. In our view, these are the main advantages of Direct Lending:<\/p>\r\n\r\n\r\n\r\n The partners of Xolv Finance are in daily contact with existing and new financial parties on the Dutch market. That is why we are the pre-eminent party when it comes to finding the best financing for your business. We will be happy to advise you!<\/em><\/p>","protected":false},"excerpt":{"rendered":" Borrowing money without going through a bank? It is becoming increasingly common, thanks in part to Direct Lending. This is the direct granting of loans to businesses by a lender, without the intervention of the bank or other parties. In this article, we will tell you exactly what this form of financing entails and its advantages.<\/p>","protected":false},"featured_media":2763,"template":"","onderwerp":[24],"class_list":["post-2756","nieuwsitem","type-nieuwsitem","status-publish","has-post-thumbnail","hentry","onderwerp-overige-oplossingen"],"_links":{"self":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem\/2756","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/nieuwsitem"}],"about":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/types\/nieuwsitem"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media\/2763"}],"wp:attachment":[{"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/media?parent=2756"}],"wp:term":[{"taxonomy":"onderwerp","embeddable":true,"href":"https:\/\/www.xolv.nl\/en\/wp-json\/wp\/v2\/onderwerp?post=2756"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}No bank needed any more<\/h3>\r\n\r\n\r\n\r\n
Examples Direct Lending<\/h3>\r\n\r\n\r\n\r\n
Terms and conditions Direct Lending<\/h3>\r\n\r\n\r\n\r\n
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Advantages Direct Lending<\/h3>\r\n\r\n\r\n\r\n
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