TANDEM · QUESTIONS & ANSWERS
Frequently asked questions
Everything you need to know about business funding and working with TANDEM.
About TANDEM
What does TANDEM do?
We help businesses prepare for funding, find suitable lenders and negotiate financing terms.
How is TANDEM different from a bank?
Banks offer their own products. TANDEM assesses your needs and helps you find an appropriate funding route.
Does TANDEM lend money?
No. We advise, prepare applications and help connect businesses with financing providers.
When should I contact TANDEM?
When you need funding for growth, working capital, investment, real estate development or refinancing.
Funding options
What financing can you help arrange?
Business loans, credit lines, working capital funding, real estate project finance and refinancing, subject to eligibility.
Can you help if a bank declined my application?
Yes. We review the reasons and explore alternatives. Approval is not guaranteed.
Can a new company obtain financing?
Sometimes. The business plan, owners’ experience, equity and collateral matter.
Is real estate collateral always required?
No. Requirements depend on the lender, financing amount and your financial situation.
Documents and process
Which documents should I provide to TANDEM?
Profit and loss statements and detailed balance sheets for the past two financial years, plus JADIS and JANGIS extracts. For real estate financing, also provide an NTR extract and a property valuation if available or required by the lender.
Can I contact you without all the documents?
Yes. We can start with a conversation and tell you what is missing.
How long does funding take?
It depends on the lender, project and completeness of documents. We will discuss timing after an initial review.
What do lenders assess?
Revenue, profitability, cash flow, liabilities, credit history and available security.
Real estate projects
Do you arrange real estate development finance?
Yes. We help assess the project, prepare documents and approach suitable lenders.
Can I start before obtaining a building permit?
Yes, a preliminary review is possible. Final funding may require a permit.
How much equity do I need?
This depends on the project, its stage and lender requirements.
Pricing
How much do TANDEM services cost?
You pay only when funding is received.
| Funding received | TANDEM fee |
|---|---|
| Up to €500,000 | 2 % |
| From €500,000 to €5 million | 1–1,5 % |
| From €5 million | 1 % |
The fee is calculated on the financing received; the exact rate is agreed in advance.
Do I pay if funding is not secured?
No. If you do not receive funding, you do not pay a TANDEM service fee.
Is financing guaranteed?
No. The final decision is made by the lender.