Terms of engagement

These terms set out what you can expect from us and what we expect from you. You'll receive them before we start on your file.

At a glance

• Our advice is free. We're paid by the partner you sign with.

• You give us a mandate. We submit your file and negotiate with the partners we choose together. Already in touch with another financing provider? Let us know.

• There's only one case where you pay us anything. You approve an offer. You receive a contract that matches it. You don't sign within four weeks. In that case, we charge a processing fee of €500, excluding VAT. For a business loan, we don't charge a processing fee.

• We don't promise a result. We do everything we reasonably can to find a solution. The partner decides whether to accept your file.

• Your information stays confidential. We share it only with the partners we submit your file to. They have to keep it confidential too.

• We keep following your file. Once you're up and running, we keep an eye on things so we can step in if needed.

This is a summary. The full text below is the official version.

For credit control, we sign a separate agreement with you. Learn more about credit control.

The full terms

Version: November 2026

In these terms, a Partner means any factoring company, lender, or other financing provider that Nextfactor works with.

Article 1: Engagement and mandate

The Client engages Nextfactor (which accepts) to carry out an analysis based on the information provided and to advise on the various financing solutions, with the aim of meeting a financing need (the Engagement). These solutions are factoring, reverse factoring, inventory financing, and business loans.

The Client authorizes Nextfactor to represent the Client in submitting an application and negotiating an agreement with one or more of the Partners listed on Nextfactor's website, as chosen by the Parties by mutual agreement. This mandate does not apply to business loans. For business loans, Nextfactor acts solely as an introducer and forwards the application to the lender.

The Client will inform Nextfactor of any contacts and discussions it has with other financing providers. If a Partner wishes to make a contract proposal, Nextfactor will present it to the Client and discuss it with the Client. Once the Client has approved it, Nextfactor will guide and advise the Client through the signing and the start of the agreement.

Article 2: Fees

Nextfactor's advice is free of charge for the Client. Nextfactor is paid solely by the Partner, once an agreement has taken effect. Until then, Nextfactor works on a no cure, no pay basis.

This means the Client owes a fee only if, after the Client has approved an indicative offer, a contract proposal matching that offer is presented and is not signed within four weeks of being presented. Only in this specific situation will a processing fee of €500, excluding VAT, be charged.

This processing fee applies to factoring, reverse factoring, and inventory financing. No processing fee is charged for business loans.

Article 3: Follow-up

The Client gives Nextfactor access to its data on the Partner's platform, where the Partner uses one. This allows Nextfactor to follow the further course of the relationship between the Client and the Partner and, where needed, to adjust and improve it.

Article 4: Liability

Nextfactor accepts this Engagement as a best-efforts obligation, not an obligation to achieve a result. Nextfactor cannot be held liable for being unable to propose or arrange a suitable solution. Nextfactor is not liable for direct and/or indirect damage caused by third parties it engages.

Article 5: Confidentiality

The Parties will not disclose to third parties, in any way, any service, customer, or business information of the other Party obtained in connection with this Engagement, and will use it only to carry out this Engagement, unless that information (1) is generally known, other than through a breach of this confidentiality obligation, (2) was lawfully obtained by the other Party from a third party not bound by a similar confidentiality obligation, or (3) must be disclosed under a law or regulation, a court ruling, or a decision of a regulatory authority.

For this Engagement, potentially confidential business information of the Client must be shared with interested Partners in order to submit an application. The Client agrees to this information being shared with those Partners. Nextfactor will ensure that its Partners are likewise bound by confidentiality.

Article 6: Credit control

These terms do not apply to credit control. For that service, the Parties enter into a separate service agreement.

Article 7: Language

These terms are available in Dutch, French, and English. If the language versions differ, the Dutch text prevails.

Company details

• Nextfactor NV

• Dieseghemlei 6, 2640 Mortsel, Belgium

• Company number (CBE): 0767.651.664

• Amicable debt collection license, FPS no. 221460