Updated September 29, 2026 · BorrowCue Editorial Team
5in5 vs Nazivnost
Where 5in5 and Nazivnost differ
| Compare |  5in5 |  Nazivnost |
|---|---|---|
| Loan amount | €5,000 | CZK 5,000 to CZK 200,000 |
| Term | 0.5 to 24 monthsHigher | 2 to 12 months |
| Arrangement fee | One-off fee deducted from payout | 0.05% per day of the amount drawn for new clients; 1% per day for returning clients; 0.7% or 1% per day on annuity loans; 0.0001% or 2% per day on 1-30 day single-instalment loans |
| Funding time | Same day up to 1 business day | Within minutes of approval, at latest the next day |
| Eligibility | Sole proprietorship or single-owner BV registered with KvK with a business account | Minimum age 18, permanent residence in the Czech Republic, personal bank account at a Czech bank, valid business licence (zivnostenske opravneni) held at least 31 days, no debts |
| Loan types | Business, Bridging | Business, Payday |
| APR | Not confirmed | 0.037% to 30,341% |
| Credit check | Not confirmed | Hard |
| Representative example | Not confirmed | Annuity business loan 200,000 Kc over 12 months, 12 monthly instalments of 47,160.93 Kc, RPSN 914.18%, total repayable 565,931.20 Kc |
| Rate type | Not confirmed | Fixed |
| Free early repayment | Not confirmed | Yes |
| Origination fee (%) | Not confirmed | 0.05% |
| Credit needed | Not confirmed | Fair |
Same on both: Lender type (Direct lender).
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Key differences
- 5in5 scores higher overall: 9.4 vs 9.0.
- Term is higher at 5in5: 0.5 to 24 months vs 2 to 12 months.
- Loan types: only 5in5 offers Bridging.
- Loan types: only Nazivnost offers Payday.
Our verdict on each
5in5
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.
Nazivnost
CreditKasa, trading as Nazivnost, lends Czech business owners CZK 5,000 to CZK 200,000 and funds them Within minutes of approval, at latest the next day, which suits owners covering a short working capital gap.
Score breakdown
| Area | 5in5 | Nazivnost |
|---|---|---|
| Cost | Not confirmed | 9.3Rates of 0.036% to 30,341% run far above the site median of 12%, and the daily arrangement fee of 0.05% compounds the cost. |
| Offer | 9.4HigherOffer reflects payout in Same day up to 1 business day with terms that run 0.5 to 24 | 8.7 |
| Trust | 9.3HigherTrust reflects operation as 5in5 BV based in NL | 8.8 |
Ranges side by side
| Fact | 5in5 | Nazivnost |
|---|---|---|
| Term | 0.5 to 24 months | 2 to 12 months |
Feature by feature
| Loan types | 5in5 | Nazivnost |
|---|---|---|
| Payday | No | Yes |
| Business | Yes | Yes |
| Bridging | Yes | No |
Licences and countries
Additional countries for 5in5: 1. Additional countries for Nazivnost: 1.
Positions in our rankings
| Ranking | 5in5 | Nazivnost |
|---|---|---|
| Business loans | 3 of 435 | 13 of 435 |
Sources behind this comparison
5in5
- 5in5.nl: 8 facts, checked September 29, 2026
Nazivnost
- nazivnost.cz: 18 facts, checked September 26, 2026
- ares.gov.cz: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | 5in5 | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Same day funding | Same day funding |
| Legal entity | Not confirmed | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Not confirmed | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Not confirmed | Phone, Email, Help centre |
Where each stands against the rest
| Fact | 5in5 | Nazivnost | Median |
|---|---|---|---|
| APR | Not confirmed | 0.037% to 30,341%lowest quarter | 8.99 |
| Term | 0.5 to 24 monthslowest quarter | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0.05%below the median | 0.25% |
Median across 1005 listed lenders.
Pros and cons
5in5
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
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
Nazivnost
Pros
- Speed of funding: money arrives Within minutes of approval, at latest the next day, and same-day funding is a listed feature.
- A direct lender, so the contract runs with CreditKasa s.r.o. (IČO 048 23 541) itself (direct lender).
- Free early repayment, so an early settlement adds nothing to the bill.
Cons
- Rates of 0.036% to 30,341% sit far above the site median of 12%.
- The credit check is hard and the file must be fair.
- Terms run 2 to 12 against a site median of 36, so a large bill has to fit a short schedule.
Who each suits
5in5
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
Nazivnost
Who it suits
- Sole traders and small business owners in the Czech Republic covering a short gap between invoices, with a fair file.
- Borrowers who expect to settle early, since free early repayment is offered.
- Owners who put speed of funding ahead of the cheapest headline rate.
Who should look elsewhere
- Anyone shopping on the ceiling: Cashspace lists PHP 12 to PHP 36 and Andacredito 0% to 36%, both well under the top of 0.036% to 30,341%.
- Borrowers wanting a gentler top rate, since Creditilia ES at 4% to 289% also stays below the top of 0.036% to 30,341%.
Country by country
| Country | 5in5 | Nazivnost |
|---|---|---|
| Czechia | No | Yes |
| Netherlands | Yes | No |
Questions about each
5in5
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.
Nazivnost
How much can I borrow from Nazivnost?+
Amounts run CZK 5,000 to CZK 200,000 in Czech koruna, with schedules of 2 to 12. The book covers business and payday lending rather than personal loans, so a trade licence and a trading record sit behind the application rather than payslips on their own.
What does it cost to borrow here?+
The rate is 0.036% to 30,341%, a very wide band, and a daily arrangement fee is charged on the amount drawn: 0.05% for new clients, with other daily rates for returning clients, annuity loans and short single-instalment loans. Early repayment is free.