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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 Dutch entrepreneurs seeking bridging or business credit with rapid payout, since funding arrives in Same day up to 1 business day. Amounts centre on €5,000, with One-off fee deducted from payout shaping net proceeds, so check total cost before you commit to short term cover.

Key facts

Best for
Dutch small firms needing fast bridging cash
Loan amount
€5,000↗
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↗
Legal entity
5in5 BV↗
Headquarters
Netherlands↗
Support channels
Email, Phone, Help-centre↗
Features
Same-day funding
Official website
5in5.nl

Facts checked September 29, 2026, 5 sources

Pros and cons

Pros

  • Direct business lending as direct lender with clear accountability
  • Bridging and business focus via business and bridging for company cash gaps
  • Fast payout stated as Same day up to 1 business day with same day funding support

Cons

  • Charge structure of One-off fee deducted from payout reduces cash paid out at start
  • Fixed business amount of €5,000 leaves little room to scale borrowing
5in5

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Scored 9.4 / 10 by SumCue.

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Who it suits

  • Dutch small businesses needing bridging cover, unlike Ibancar Prestamos consumer focus
  • Solo traders wanting direct lender contact, unlike Mi Prestamo monthly loan path

Who should look elsewhere

  • Borrowers seeking personal loans rather than business credit, where Mi Prestamo may fit better
  • Borrowers wanting card linked credit, where AXI Card Tarjeta y Credito may fit better

The company behind it

The lender trades as 5in5 BV based in the Netherlands, focused on small business credit rather than consumer loans. You deal direct with the lender throughout application and repayment. For help you can use email, phone and help centre, which gives written plus voice routes for queries about eligibility, payout and fees.

How 5in5 compares

Where 5in5 is available

Available
Netherlands

Countries from the brand (Source, checked September 29, 2026)

Frequently asked questions

Who can apply for 5in5 credit?+

You apply as a registered small business with chamber registration and a business account, suited to solo traders and closely held companies. Lending covers business and bridging, so personal borrowing is outside scope. Check eligibility before you start.

How large is the loan offered?+

The stated amount centres on €5,000 for business and bridging use. That structure suits a defined cash gap such as stock, invoices or short cover. If you need larger or revolving credit, compare alternatives carefully.

What fees apply to the loan?+

There is One-off fee deducted from payout taken from the payout, so funds received are lower than the headline amount. Review the repayment schedule and total cost in advance. Ask support to confirm net payout for your case.

How quickly could funds arrive?+

Funding is stated as Same day up to 1 business day, which helps with urgent liquidity needs. Timing can depend on checks and banking hours. Submit complete business details early to avoid delay.

Is 5in5 a direct lender or a broker?+

5in5 acts as direct lender, so you borrow direct without broker involvement. That keeps communication in a single place from application through repayment. Terms come from the lender itself.

How can borrowers contact support?+

Support is available through email, phone and help centre, giving written and voice routes for questions. Use these channels for eligibility, payout timing and fee queries. Keep loan documents ready when you contact them.

What can the loan be used for?+

Lending is built around business and bridging for companies, including short bridging needs. It is not aimed at personal spending or long term investment. Match the product to a clear business purpose with planned repayment.

Sources

Compiled from 6 source pages, checked September 29, 2026. We did not open an account.

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

5in5

5in5

Dutch small firms needing fast bridging cash

9.4/10Visit