Bring Your Business Ambitions to Life
Startup, development, equipment, or cash flow — tailored financing solutions for entrepreneurs, artisans, merchants, and freelancers.
Tailored Funding for Every Stage of Your Business
From startup to expansion, including equipment and working capital, find the loan that fuels your business.
Business Creation
Launch your business with solid backing. Whether you're a freelancer, startup founder, or artisan, we finance your start: initial investments, stock, premises, and launch costs.
Growth & Expansion
Your business is taking off and it's time to scale up. Hiring, new locations, expansion, or diversification: finance your growth with appropriate capital.
Equipment & Machinery
Machines, commercial vehicles, IT equipment, tools, professional furniture: finance all your material investments to remain competitive and efficient.
Business Cash Flow
Need funds quickly? Cover a cash flow gap, anticipate a large order or face an unexpected event with an express release of funds to your business account.
Acquisition & Business Takeover
Acquire an existing shop, practice, workshop, or firm. We finance goodwill buyouts, shares, or leasehold rights.
Benefits of VIVIERA FINANCE Business Loans
Financing designed by and for professionals, without the usual barriers.
All Legal Statuses Accepted
Freelancers, LLCs, liberal professions, artisans, or entrepreneurs — all legal entities are welcome.
No proof of income required
No balance sheets or tax returns required. We simplify the process so you can focus on your business.
2.90% Fixed APR
A guaranteed rate throughout the duration of the loan. Anticipate your financial charges with constant and predictable monthly payments.
48h Response
Time is money. We provide a decision in principle within 48 hours to keep your projects moving.
Dedicated Advisor
A business finance expert will guide you personally from application to payout.
Zero Hidden Fees
The approved amount is paid in full. No arrangement fees or hidden commissions in your payments.
Your Business Funding in 4 Steps
A fast and transparent process so your business doesn't waste time.
Describe Your Project
Fill out the form specifying your activity, the desired amount, and the purpose of the loan.
File Review
Our experts analyze your project and situation within 48 hours.
Personalized Offer
Receive a tailored proposal with a rate, term, and payments suited to your business.
Funds Released
Sign online and receive the funds directly into your business bank account.
Accessible Business Funding for All
At VIVIERA FINANCE, we support all professionals, regardless of status, experience, or sector. Clear conditions, no barriers.
At least 18 years old
The applicant must be of legal age at the time of application.
Valid Identification
Valid ID card, passport, or residence permit.
Professional Project
Startup, growth, equipment, cash flow, or takeover — tell us your needs.
That's it!
No balance sheets, no income proof. Project holders and aspiring entrepreneurs: welcome.
All Activity Sectors
Whatever your field, we finance your professional project.
Good to Know
Even without existing activity
Not started your business yet? No problem. Project holders in the launch phase are welcome.
Full Payout
The approved amount is paid in full to your account. No fees deducted.
Early Repayment
Repay early at any time. Only interest for the actual period of use is due.
An Expert by Your Side
Need advice? Contact us at +32480210071. Our business finance specialists are here for you.
Frequently Asked Questions
Yes. We also finance project holders in the creation phase. Just describe your project and the amount needed.
No. No balance sheets or tax filings required. Only a valid ID and project description are needed.
All statuses are accepted: sole traders, micro-enterprises, LLCs, freelancers, and associations. Unstructured projects are also welcome.
No. The review of your file and the offer preparation are entirely free. The full amount is paid into your account without any deductions.
Your choice. Funds can be paid into your business or personal account. The full amount is transferred without fee deductions.
Upon acceptance and signing, funds are usually paid within 3 to 7 business days.
Yes. You can repay in full or partially at any time. Only interest on the actual period of use is due.
Yes. The secure electronic signature allows you to finalise your contract without leaving your office or workshop, wherever you are.
Contact us at +32480210071 as soon as possible. We understand the ups and downs of entrepreneurial life. Each situation is assessed individually: payment deferral, loan restructuring or other tailored solution.
Yes, it is perfectly possible to take out a business loan and a personal loan at the same time. Each application is reviewed independently. Don't hesitate to contact us to find out more.
Ready to Scale Your Business?
Submit your business funding request online. No balance sheets, no income proof, 48h response.
2.90% Fixed Rate · Up to €2,000,000 · All Statuses · Zero Application Fees
