5in5 review

Updated September 29, 2026 · BorrowCue Editorial Team · Facts checked September 29, 2026

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Our verdict

5in5 suits Dutch sole traders and single owner firms seeking brief business cover paid in Same day up to 1 business day. You receive €5,000 with terms that run 0.5 to 24, backed by support through email, phone and help centre from 5in5 BV.

Key facts

Best for
Short dated cover for registered sole businesses with a dedicated business account
Loan amount
€5,000 (Source, checked September 29, 2026)
Term
0.5 to 24 months (Source, checked September 29, 2026)
Arrangement fee
One-off fee deducted from payout (Source, checked September 29, 2026)
Funding time
Same day up to 1 business day (Source, checked September 29, 2026)
Lender type
Direct lender (Source, checked September 29, 2026)
Eligibility
Sole proprietorship or single-owner BV registered with KvK with a business account (Source, checked September 29, 2026)
Loan types
Business, Bridging (Source, checked September 29, 2026)
Features
Same-day funding
Official website
5in5.nl

Pros and cons

Pros

  • Payout in Same day up to 1 business day helps when timing matters for stock or invoices
  • Fixed ticket of €5,000 keeps budgeting clear for short dated needs
  • Terms that run 0.5 to 24 suit brief gaps rather than extended debt
  • Direct lending as direct lender keeps responsibility with 5in5 BV
  • Support through email, phone and help centre gives mail, voice and self help choice

Cons

  • Fixed amount of €5,000 may feel tight next to Qonto with €150 to €100,000 for larger projects
  • Terms that run 0.5 to 24 require swift repayment compared with longer business facilities
  • Support through email, phone and help centre lacks chat, which some borrowers may prefer
  • Fee structure of One-off fee deducted from payout reduces the sum received at payout
5in5

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Scored 9.4 / 10 by BorrowCue.

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Who it suits

  • Sole businesses needing €5,000 may prefer 5in5 over Qonto with €150 to €100,000 when the need is modest
  • Firms valuing payout in Same day up to 1 business day may prefer 5in5 over Sofkredit with €12,000 to €300,000
  • Dutch traders based near NL may prefer local handling over Finmercado with MXN 500 to MXN 200,000

Who should look elsewhere

  • Borrowers needing larger tickets than €5,000 may prefer Qonto with €150 to €100,000
  • Borrowers seeking peso funding may prefer Finmercado with MXN 500 to MXN 200,000

Applying and getting the money

Applying centres on timing, ticket and duration, and those elements shape whether this option fits your cash flow. Payout arrives in Same day up to 1 business day, which matters when supplier terms are tight and when a delay would disrupt trading. You can plan payment dates around Same day up to 1 business day while keeping a buffer for bank processing around weekends and holidays. The ticket is set at €5,000, which keeps the decision simple because you know the sum available without choosing between bands. That clarity helps when the need is defined, such as a stock purchase, a tax bill or interim cover while client invoices clear. Terms run 0.5 to 24, which keeps the commitment brief and focused on repayment from near term income. A brief schedule of 0.5 to 24 can suit seasonal gaps, bridge needs and one off outlays that will be recovered through trading. It calls for careful budgeting, since instalments must be met from operating cash rather than stretched across extended periods. Taken together, Same day up to 1 business day plus €5,000 plus 0.5 to 24 describe a compact facility built for speed and closure. Borrowers comparing options on total cost and eligibility will want to weigh the benefit of funds in Same day up to 1 business day against the discipline required by 0.5 to 24. Where the sum of €5,000 matches the gap, and where income in the period of 0.5 to 24 covers repayment, the structure can be practical. Where the gap is larger, or where income is uneven, a different ticket or duration may be more appropriate. Review the agreement, the repayment dates and the effect of Same day up to 1 business day on your supplier plan before proceeding.

Who runs it

The service is provided by 5in5 BV, which is the name shown in the agreement and in customer correspondence. Dealing with 5in5 BV means accountability rests with the firm advancing the funds and collecting repayment. The firm is based in the Netherlands, so its customer material, language and business hours reflect Dutch practice. A base in NL helps Dutch sole traders and single owner firms understand documentation, payment rails and support availability. It also clarifies jurisdiction for contracts, notices and complaints handling. Support is offered through email, phone and help centre, which gives a mix of written contact, voice contact and self service guidance. Written contact through email, phone and help centre suits record keeping and sending documents, while voice contact suits urgent queries about payout or repayment. Self service material through email, phone and help centre helps with common questions about eligibility, documentation and account handling. Borrowers weighing safety of funds and account operation often look at operator identity, location and access to help. Here, 5in5 BV provides identity, NL provides location context, and email, phone and help centre provides access routes. Before applying, confirm that 5in5 BV appears in the documents, that procedures linked to NL suit your business, and that email, phone and help centre matches how you prefer to resolve issues. Keep copies of agreements, payment confirmations and messages exchanged through email, phone and help centre for the duration of the commitment.

How 5in5 compares

Where 5in5 is available

Available
Netherlands

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

Who can apply for a loan from this lender+

You apply as a registered sole business with a business account and request €5,000. Terms run 0.5 to 24 and payout arrives in Same day up to 1 business day. The structure suits short dated needs where rapid settlement matters more than extended repayment.

How large is the loan and how long does it last+

The ticket is fixed at €5,000, so planning is simple but flexibility is limited. Terms run 0.5 to 24, which keeps the commitment short dated. Borrowers needing larger sums may compare Qonto with €150 to €100,000 before deciding.

How quickly does the money arrive after approval+

Payout arrives in Same day up to 1 business day, which helps when supplier invoices or stock purchases cannot wait. The timetable is stated as Same day up to 1 business day, so you can align payment dates. Delays linked to bank checks remain possible around weekends and holidays.

What fees apply to the loan+

Costs include a charge described as One-off fee deducted from payout. Because the charge is taken from the transfer, the amount credited is lower than €5,000. You should review the agreement and repayment schedule carefully before accepting the offer.

Is this a direct lender and who operates it+

The lender acts as direct lender and trades as 5in5 BV based in the Netherlands. You deal directly with the firm named in the agreement rather than through a broker. Support is available through email, phone and help centre for questions during the term.

How can borrowers contact support+

Contact runs through email, phone and help centre, giving choice between written help, voice help and self service material. The mix suits borrowers who value phone contact alongside mail. Response times may vary during busy periods, so allow time for replies.

What can the loan be used for+

The product covers loan types described as business and bridging, which suits short term business gaps and interim funding needs. Terms run 0.5 to 24 with payout in Same day up to 1 business day. It is less suited to personal spending or long dated investment.

Sources

Compiled from 7 source pages, checked September 29, 2026. We did not open an account.

Not confirmed yet: APR, Credit check, Representative example.

Related by the facts

5in5

5in5

Short dated cover for registered sole businesses with a dedicated business account

9.4/10Visit

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