Noa gives healthcare freelancers instant access to the money they've already earned — no forms, no committees, no waiting.
Get your credit now
You finish a shift, send an invoice, and then wait. Thirty days. Sometimes sixty. The work is done, the hours are logged, the patient went home — but your bank account doesn't know that yet.
Traditional banks see a freelance nurse with variable monthly income and say no. They don't see what you see: a full calendar, loyal clients, and a track record that any algorithm worth its code would recognize in seconds.
Upload two years of bank statements and get a credit decision in minutes. No committee. No callbacks. No waiting for someone in an office to read your file.
Our scoring model is designed around healthcare freelance patterns: invoice gaps, seasonal shifts, multi-client income. It understands your work. A traditional credit form doesn't.
Borrow up to €50K for up to six months. Bridge the gap, pay back when the invoices land. No penalties, no pressure, no drama.
Drop in two years of bank statements. No tax forms, no accountant letter, no proof of employment.
Our behavioral scoring engine reads your income patterns and makes a credit decision. In minutes. Not weeks.
Credit approved, funds transferred. You get back to caring for people.
No credit committee means decisions happen instantly — at costs incumbents simply cannot match.
Healthcare freelancers that traditional banks have quietly decided aren't worth their time. We serve all of them.
Every approval teaches our algorithm something a bank's legacy system will never learn. The longer they wait, the further behind they fall.
Noa is made for the freelance nurse, therapist, or care worker in the Netherlands who has a full calendar, a steady income, and a bank that still treats them like a risk.
"I had €8,000 in outstanding invoices and €400 in my account. My bank said they needed three months to review my application. Noa gave me an answer in four minutes."
Upload your bank statements. Get a decision in minutes. Get back to your work.
No obligations. Decision in minutes. For healthcare freelancers in the Netherlands only.