New10 review

Updated September 28, 2026 · BorrowCue Editorial Team · Facts checked September 26, 2026

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Our verdict

New10 suits established Dutch businesses wanting a business loan or credit line at 6.1% to 12% on a fixed rate. The catch is the bar: applicants face a hard credit check, a turnover floor, positive equity and a closing fee that rises with the amount, so newer or loss making companies will not get through.

Key facts

Best for
A fixed rate Dutch business loan or credit line, with money reaching the account the next business day after signing.
APR
6.1% to 12% (Source, checked September 26, 2026)
Loan amount
€20,000 to €1,000,000 (Source, checked September 26, 2026)
Term
3 to 60 months (Source, checked September 26, 2026)
Arrangement fee
One-off closing fee of EUR 250 to EUR 1,500, rising with the loan amount (tiers: 250 up to 50k, 550 for 50k-100k, 850 for 100k-250k, 1500 from 250k) (Source, checked September 26, 2026)
Credit check
Hard (Source, checked September 26, 2026)
Funding time
Offer within 5 minutes; money available within 1 business day after signing the contract (Source, checked September 26, 2026)
Representative example
Business loan example: EUR 54,000 over 3 years at 9.1% interest, monthly payment EUR 1,903.90 (EUR 1,500 repayment plus EUR 403.90 interest) (Source, checked September 26, 2026)
Rate type
Fixed (Source, checked September 26, 2026)
Lender type
Direct lender (Source, checked September 26, 2026)
Free early repayment
Yes (Source, checked September 26, 2026)
Eligibility
Business registered with the Dutch Chamber of Commerce for at least 12 months (sole proprietorship, vof, maatschap or bv), minimum annual turnover EUR 50,000, positive equity and profitable, 12 months of Dutch business bank statements; excluded sectors include financial institutions, commercial real estate, project development, shipping and aviation, adult entertainment, tobacco, drugs and gambling (Source, checked September 26, 2026)
Loan types
Business, Credit-line (Source, checked September 26, 2026)
Credit needed
Good (Source, checked September 26, 2026)
Use cases
Home-improvement (Source, checked September 26, 2026)
Legal entity
New10 B.V. (Source, checked September 26, 2026)
Headquarters
Netherlands (Source, checked September 26, 2026)
Founded
2016 (Source, checked September 26, 2026)
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Fixed rate
Features
Credit line
Official website
new10.com

Apps and profiles

Elsewhere
LinkedInXfacebook.com

Pros and cons

Pros

  • An offer within minutes, and money available the next business day after the contract is signed
  • Early repayment is free, so bringing the end date forward carries no charge
  • Both a business loan and a credit line are offered, so a revolving facility sits alongside a standard loan
  • Support runs on email, chat and phone, covering phone and chat as well as written help

Cons

  • The hard check and a good credit profile rule out businesses with a thin trading record
  • A closing fee rises with the amount borrowed, so the largest facilities carry the heaviest fee
  • Eligibility is narrow: commercial real estate, shipping, aviation, gambling, tobacco, drugs and adult entertainment are excluded, and the business must be profitable with positive equity
New10

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Scored 9.1 / 10 by BorrowCue.

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Who it suits

  • Profitable Dutch businesses, sole proprietors, partnerships and private companies, with turnover above the floor and equity in the business
  • Owners who need funding quickly and prefer fixed pricing that does not shift during the term
  • Businesses that want a credit line alongside a standard loan for planned spending

Who should look elsewhere

  • Cashspace, at PHP 12 to PHP 36, for readers weighing the lowest consumer rates in the table
  • Vivus ES, at 0% to 3,752.4%, whose range runs far above the 6.1% to 12% New10 publishes

How your money is protected

New10 lends as a direct lender, so the money comes from the company that carries the loan on its own books rather than from a third party panel. The representative example shows the shape of the repayments: a business loan is settled monthly with a fixed part going to the amount borrowed and a shrinking part covering interest as the balance falls.

The company behind it

The lender behind the offer is New10 B.V., based in the NL and lending since 2016. Questions go through email, chat and phone, so a business owner can pick email, chat, phone or the help centre. The founding year and the range of contact routes give a sense of how settled the operation is in the Dutch market.

How New10 compares

Where New10 is available

Available
Netherlands

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

Frequently asked questions

How much can a business borrow and over what term?+

Loans run from €20,000 to €1,000,000 with terms of 3 to 60. The rate is set at 6.1% to 12% on a fixed basis, so the monthly cost depends mainly on how much you take and how long you spread it.

Is there an arrangement fee?+

There is a closing fee that rises with the amount borrowed, starting at the smallest tier of the €20,000 to €1,000,000 range and stepping up as the facility grows. On 6.1% to 12% fixed pricing that fee adds a real cost to the first year, so the amount is worth thinking through.

What credit check does New10 run?+

New10 runs a hard credit check and looks for a good credit profile. That points towards companies with a clean record rather than a business borrowing through a rough patch, so review the file before applying.

How quickly can the money arrive?+

The stated timing is an offer within minutes, with money available the next business day once the contract is signed. As a direct lender, New10 handles the application itself, so there is no broker step between the offer and the transfer.

Can I repay the loan early?+

Yes, early repayment is free, so there is no penalty for bringing the end date forward after a strong month. Terms run to 3 to 60, and the schedule is set at the start but can be shortened whenever you choose.

Who is eligible to apply?+

The business must be registered with the Dutch Chamber of Commerce for a minimum period, meet a turnover floor, hold positive equity and be profitable, and you need Dutch business bank statements. Excluded sectors include financial services, commercial real estate, project development, shipping, aviation, adult entertainment, tobacco, drugs and gambling, and the facility covers business and credit line in the NL.

What can I use the money for?+

The listed use is home improvement, so a renovation or extension fits well. The facility is aimed at business purposes, and a credit line lets you draw money as you need it rather than committing the whole amount at the start.

Sources

  • new10.com/over-new10 checked September 26, 2026

    Backs: Founded, Support channels

    “Opgericht in 2016”

  • new10.com/productvoorwaarden checked September 26, 2026

    Backs: Free early repayment, Headquarters, Legal entity, Lender type

    “New10 B.V., gevestigd te Amsterdam”

  • new10.com/rente checked September 26, 2026

    Backs: Features, Rate type, Representative example

  • new10.com/zakelijke-lening checked September 26, 2026

    Backs: Use cases, Loan amount, APR, Credit check, Credit needed, Eligibility, Funding time, Loan types, Pricing model, Arrangement fee, Term

    “Lenen vanaf EUR 20.000 tot maximaal EUR 1.000.000”

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

New10

New10

A fixed rate Dutch business loan or credit line, with money reaching the account the next business day after signing.

9.1/10See alternatives

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