Accessible financing - built into your account

Apply for a business loan to receive up to €200.000 credited into your Vivid account. Whether you need credit for sudden expenses, marketing campaigns, or business development projects - improving your cash flow can be simple.

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A loan that matches your ambition

With predictable repayment terms, steady installments, and low, flat fees you are all set up to focus on growing your business.

Favourable conditions

Secure a loan with a financing fee starting from 6,5% annually. Choose any term between 3 and 12 months that suits your business.

Quick application & payout

Receive a financing offer instantly or complete a quick online form in just a few clicks. Once approved, we will disburse up to €200,000 directly to your account.

Convenient repayment

Enjoy peace of mind with predictable monthly installments automatically paid from your Main Account in Vivid.

Trusted partner

Trusted partner

Forget the hassle of finding financing. Vivid works together with finmid to provide financing that supports European businesses and freelancers in their growth and liquidity.

Apply for a loan
 €
From 1.000 € to 200.000 €
From 3 to 12 months
DECountryGermany
Business typeRegistered Company
Legal entity typeGmbH
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All-in-one financial management

Plans built for every business

Monthly
Annual
Save up to 24%

Best for growing companies with more activity and advanced needs — built to keep fast teams in sync

  • Free Start

    Perfect for newly registered companies setting up finances and trying key banking features for free

    0 € / month

    Free of charge at all times
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      Unlimited
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,1%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,1%
    • Cashback on selected categories and brands, up to
      2%
    • Virtual and physical cards
      Free
    • Card spending limits for ads & IT services
      Unlimited
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 €
    • Support
    • 24/7 human support
      Yes
  • Basic

    Ideal for small businesses with steady transactions needing reliable everyday banking at low cost

    6,9 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      Unlimited
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      0,5%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,25%
    • Cashback on selected categories and brands, up to
      4%
    • Virtual and physical cards
      Free
    • Card spending limits for ads & IT services
      Unlimited
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      5 free per month, then 5 €
    • Support
    • 24/7 human support
      Yes
  • Pro

    Best for growing companies with more activity and advanced needs — built to keep fast teams in sync

    18,9 € / month
    excl. VAT
    2 months free trial
    Get started
    • Accounts & Interest
    • Free accounts with unique IBANs
      Unlimited
    • Initial fixed interest rate p.a.*
      4%
    • Fixed interest rate p.a. after 4 months*
      1,3%
    • Cards & Cashback
    • Guaranteed unlimited cashback
      0,5%
    • Cashback on selected categories and brands, up to
      6%
    • Virtual and physical cards
      Free
    • Card spending limits for ads & IT services
      Unlimited
    • Transfers
    • SEPA Instant
      Free
    • Incoming SWIFT
      Free
    • Outgoing SWIFT
      10 free per month, then 5 €
    • Support
    • 24/7 human support
      Yes
Features you get on every plan
  • Invoicing
    Free
  • Documents to be attached for bookkeeping (on every paid plan)
    Unlimited
  • Integrations (sevDesk, Lexware Office, DATEV, ...)
    Free
  • Business travel cashback up to
    30%
  • Crypto Earn rewards up to
    8% APY
  • Maximum loan amount & repayment term
    200.000 €,
    12 months
  • Fee for receiving card payments from clients (EEA cards), from
    0,79% (+0,25 €)
  • Treasury (stocks, ETFs, crypto)
    Free
  • Tax filing (for freelancers)
    Free
  • Certified tax advisor (for freelancers)
    99 € per month
    or 990 € per year

Got more questions about financing?

  • Who are financing features for?

    Financing is designed for small and medium businesses as well as freelancers who want to improve their cash flow within a short time without a tedious search for a trusted lendor.
  • The maximum loan amount that can be approved is €200.000. Several factors influence the approved loan amount, but the primary factor is your business's average monthly revenue. To get an estimate, you can use the loan calculator in the Vivid Business web app.
  • Currently, loans are available for registered European businesses and freelancers that are in operation for more than six months. Applications can be submitted from the Vivid Business account by anyone that holds an Owner or Admin role. More details can be found here.
  • Loan applications are initiated inside the web interface of your Vivid Business account, in the section “Financing”. After calculating an approximate loan amount based on your business’s monthly revenue, you will be forwarded to our trusted partner finmid. You should check all pre-filled details on the platform and choose your loan term and payout account. To finalise the application, all directors will have to complete a verification. The process is explained in detail here.
  • Once you submit your application, the review process usually takes about 2 business days. You’ll receive the decision both via your registered Vivid email and directly in the app. If you’ve applied for a higher limit, we’ll notify you of the new offer. If you accept the updated terms, the disbursement is going to take up to 3 business days to your Vivid main account
  • Each loan has one fixed fee set upfront after we evaluate your company. It’s added to your loan total and repaid with your monthly instalments. The fee doesn’t change—no interest or hidden charges. More details on these two fees can be found here.
  • Our partner finmid is a fintech start-up based in Berlin, dedicated to providing simple and flexible financing solutions. With finmid, companies can access capital quickly and effortlessly, without the hassle of complex loan terms or hidden fees. Loans can be applied also by Banxware in Germany.
  • Repayments come from your Vivid Main account. For now, you can set up a recurring SEPA transfer during the loan process via your Cash Loan Account. Soon, you’ll also be able to repay monthly by SEPA Direct Debit from your Vivid Main account. Your loan is disbursed to and repaid from the same account, switching accounts isn’t available yet. We’ll notify you a few days before each due date and remind you to top up if your balance is low. More details here.