Updated October 17, 2026 · BorrowCue Editorial Team
CapitalBox NL vs Nazivnost
CapitalBox NL vs Nazivnost: the differences
| Compare |  CapitalBox NL |  Nazivnost |
|---|---|---|
| Loan amount | €5,000 to €500,000 | CZK 5,000 to CZK 200,000 |
| Funding time | usually next business day after acceptance | Within minutes of approval, at latest the next day |
| Eligibility | Business active for at least 24 months | 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 | Business, PaydayCovers more |
| APR | Not confirmed | 0.037% to 30,341% |
| Term | Not confirmed | 2 to 12 months |
| Arrangement fee | Not confirmed | 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 |
| 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 |
| Lender type | Not confirmed | Direct lender |
| Origination fee (%) | Not confirmed | 0.05% |
| Credit needed | Not confirmed | Fair |
Same on both: Free early repayment (Yes).
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Key differences
- CapitalBox NL scores higher overall: 9.4 vs 9.0.
- Support channels: only Nazivnost offers Phone, Email.
- Loan types: only Nazivnost offers Payday.
Our verdict on each
CapitalBox NL
CapitalBox NL supplies business loans and flexible credit facilities for small and medium enterprises in the Netherlands. It supports established owners funding expansion projects, managing seasonal costs and consolidating existing business obligations through dedicated SME financing with clear local focus.
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 | CapitalBox NL | Nazivnost |
|---|---|---|
| Cost | 9.2 | 9.3HigherRates 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 | 9.7Higher | 8.7 |
| Trust | Not confirmed | 8.8 |
How they place
| Ranking | CapitalBox NL | Nazivnost |
|---|---|---|
| Business loans | 12 of 438 | 15 of 438 |
What we checked
CapitalBox NL
- capitalbox.nl: 7 facts, checked October 17, 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 | CapitalBox NL | Nazivnost |
|---|---|---|
| Pricing model | Not confirmed | Fixed rate |
| Features | Not confirmed | Same day funding |
| Legal entity | Not confirmed | CreditKasa s.r.o. (IČO 048 23 541) |
| Headquarters | Netherlands | Czechia |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre | Phone, Email, Help centreCovers more |
Where each stands against the rest
| Fact | CapitalBox NL | Nazivnost | Median |
|---|---|---|---|
| APR | Not confirmed | 0.037% to 30,341%lowest quarter | 8.95 |
| Term | Not confirmed | 2 to 12 monthslowest quarter | 60 |
| Origination fee (%) | Not confirmed | 0.05%below the median | 0.2% |
Median across 1190 listed lenders.
Pros and cons
CapitalBox NL
Pros
- Focuses solely on small and medium enterprises seeking business funding in the Netherlands
- Provides lump sum business loans and flexible credit lines for varied purposes
- Holds recognised SME financier status and follows the sector conduct code
Cons
- Limits service to businesses established in the Netherlands with local ownership
- Restricts access to companies with at least 24 months of business activity
- Offers business funding only, with no products for private individuals
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
CapitalBox NL
Who it suits
- Owners of established Dutch SMEs planning growth
- Businesses managing seasonal costs or cash flow variation
- Entrepreneurs consolidating existing business obligations
Who should look elsewhere
- New businesses without an established trading history
- Private individuals seeking personal borrowing
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 | CapitalBox NL | Nazivnost |
|---|---|---|
| Czechia | No | Yes |
Questions about each
CapitalBox NL
What products does CapitalBox NL provide?+
CapitalBox NL provides business loans for larger investments such as expansion, premises renovation or equipment purchase. It also offers a flexible business credit line for seasonal costs, stock requirements and general operational needs. A refinancing loan allows bundling of existing business obligations into one structure.
Which businesses suit CapitalBox NL?+
CapitalBox NL suits owners of small and medium enterprises registered and established in the Netherlands. Owners live in the Netherlands and the company uses Dutch business banking. Eligibility centres on established trading activity and registration with the national chamber of commerce.
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.