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5in5 review

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

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Our verdict

5in5 suits independent traders in the Netherlands who need short business or bridging funding with fast payout. You borrow €5,000 for 0.5 to 24, with funding in Same day up to 1 business day through a direct setup as direct lender for clear responsibility.

Key facts

Best for
Short business and bridging loans with fast payout in the Netherlands.
Loan amount
€5,000↗
Term
0.5 to 24 months↗
Arrangement fee
One-off fee deducted from payout↗
Funding time
Same day up to 1 business day↗
Lender type
Direct lender↗
Eligibility
Sole proprietorship or single-owner BV registered with KvK with a business account↗
Loan types
Business, Bridging↗
Features
Same-day funding
Official website
5in5.nl

Facts checked September 29, 2026, 6 sources

Pros and cons

Pros

  • Funding arrives in Same day up to 1 business day with focus on same day funding.
  • Direct lending through direct lender keeps the chain clear.
  • Support is available through email, phone and help centre for everyday queries.
  • Loan purpose covers business and bridging, fitting short business needs.

Cons

  • Loan size is fixed at €5,000, so it cannot scale with larger plans.
  • A charge applies as One-off fee deducted from payout, which lowers the amount paid out.
  • Terms run 0.5 to 24, which suits bridging needs rather than extended borrowing.
5in5

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Traders needing fast bridging funds should stay with 5in5 rather than move to DKB.
  • Small firms wanting direct lending should stay with 5in5 rather than move to Ibancar Prestamos.
  • Businesses valuing phone and mail help should stay with 5in5 rather than move to Mi Prestamo.

Who should look elsewhere

  • Personal borrowers wanting larger sums should see DKB rather than a fixed business loan.
  • Car owners seeking secured options should see Ibancar Prestamos rather than unsecured bridging credit.
  • Households wanting small monthly personal credit should see Mi Prestamo rather than trader funding.

The company behind it

5in5 BV operates from the Netherlands and serves small firms directly. The legal entity is 5in5 BV with home country NL. If you need help, you can reach the team through email, phone and help centre, which covers mail, voice calls and an online help area for common queries about applications, payouts and repayments during business hours.

How 5in5 compares

Frequently asked questions

What type of lender is 5in5?+

5in5 provides business and bridging loans shown as business and bridging. It lends directly as direct lender, so you deal with the same party from application through payout and repayment without an intermediary involved.

How much can you borrow from 5in5?+

The loan amount is €5,000. That fixed structure keeps applications simple, though it means you cannot adjust the sum upward or downward to match uneven invoices, stock purchases or seasonal cash needs.

How long can the loan last?+

Terms run 0.5 to 24. That structure fits bridging gaps, stock orders or short projects where you expect incoming payments soon and prefer to clear the balance promptly rather than carry extended debt.

How fast is payout?+

Funding arrives in Same day up to 1 business day and the product includes same day funding. That pace helps when suppliers, tax bills or payroll dates press, provided your business account and registration details are ready for review.

What fees apply to the loan?+

Costs include One-off fee deducted from payout. Because the charge is taken from the payout, the sum arriving in your business account is lower than the approved loan, so plan supplier payments around the net amount received.

Who can apply for a 5in5 loan?+

It suits independent traders with a business account and chamber registration seeking business and bridging. Eligibility centres on active small firms in the Netherlands, rather than private consumers seeking personal or household funding for everyday use.

How do you get support?+

You can contact the team through email, phone and help centre. That covers written queries, voice calls and an online help area, which is useful for questions about eligibility, documents, payout timing and repayment arrangements.

Sources

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

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

5in5

5in5

Short business and bridging loans with fast payout in the Netherlands.

9.4/10Visit