Previously, when applying for a loan, the entrepreneur went to the house bank with his latest annual report, and often accompanied by his accountant. After a few weeks, the entrepreneur received a contract for signature or, in the most negative case, a rejection. There were not many alternatives. However, the Dutch financing landscape is becoming increasingly diverse. From four major banks and a lost leasing company at the beginning of this century, to more than 100 providers -large and small- today. And new providers are still entering the market almost every week. What a (re)financing process looks like at Xolv Finance is explained by Fred Soers in this article.