Best Alternative Lending Companies in Netherlands
The 88 best Alternative Lending companies in Netherlands in 2026, ranked by funding and momentum. Funding, investors, founders, valuation, tech stack and live signals. Top: Floryn.
When you're mapping the strongest players in Alternative Lending, the Netherlands market is a surprisingly concentrated story. This ranking covers 88 tracked companies by disclosed equity funding and recent momentum, with $418M in total capital raised across the field. Floryn leads at $141M, In3 follows at $96M, and Factris has pulled in $73M, which means three names already account for the bulk of disclosed funding. No unicorns yet, but the concentration at the top is telling. Globally, the sector is tracking toward a 14.4% CAGR off a $2.4B base, and demand from both individual borrowers and businesses is the engine behind that growth.
Hot themes right now are personal loan eligibility, collateral-based lending, and subprime access, which tracks with what practitioners are unpacking publicly about who alternative lending actually serves. And the question worth sitting with is whether Dutch lenders are positioning early enough on these themes, or letting global players define the conversation. I'd watch Abn Amro and Finch Capital closely here, since their investor activity signals where institutional appetite is moving. Coverage in the sector has stayed flat, so the funding gaps below the top three are real opportunities, not just noise.
Ranked: Best Alternative Lending companies in Netherlands
| # | Company | Disclosed funding | Last round | Stage | Employees | Founder | Tech stack | Recent signals |
|---|---|---|---|---|---|---|---|---|
| 1 | ABC Finance Online invoice financing platform for SMBs | — | — | Unfunded | — | Stephan Ninow CEO | TYPO3 CMSPHPApache HTTP Server+19 | — |
| 2 | AfterPay Provider of payment solutions through point of sale financing | — | — | Acquired | — | Marco Berg Co-Owner | — | — |
| 3 | All4Funding Debt crowdfunding platform for startups | — | — | Unfunded | — | Imelda Judistira Co-Founder | — | — |
| 4 | AltFin Loans provider for SMEs | — | — | Unfunded | — | Machiel Jansen Schoonhoven Managing partner and founder | — | — |
| 5 | Assensia Credit management solution | — | — | Unfunded | — | Lohic Beneyzet Jouy Founder | — | — |
| 6 | Aygodutch Provider of an online lending marketplace for SMEs | — | — | Deadpooled | — | Harm Rietmeijer Co-Founder | — | — |
| 7 | bijBouwe Online mortgage lender. | — | — | Unfunded | — | Bouwe Kuik CoFounder & CEO | ContentfulTypeScriptZoho+18 | 1 award |
| 8 | Briqwise Online marketplace for commercial mortgages | — | — | Unfunded | — | Frank Dongen Co-Founder | WebflowYouTubeVWO+22 | 1 partnership |
Top 12 Alternative Lending companies in Netherlands
#1
Series C · Amsterdam, North Holland · founded 2017 · 5 employees$73.3Mraised▾
Online lending platform for invoice financing. Offers short-term working capital to businesses against their invoices. Users need to provide their basic details to apply for invoice finance. Once approved, users can upload their invoices on the platform & receive the funds directly to a linked bank account.
- Sep 2025Conventional Debt$117.3M
- Apr 2023Series C$55M
- Jun 2022Series B$10.7M
- Jan 2021Conventional Debt$6.1M
#2
Series A · s Hertogenbosch, North Brabant · founded 2016 · 60 employees$140.9Mraised▾
Floryn is an online business loans platform. Businesses can avail loan starting from € 10,000 to € 2 million from 4.91% interest per year. The borrower repays each amount withdrawn in weekly installments in approximately 6 months.
- Oct 2022Conventional Debt$64.1M
- May 2020Series A$9.9M
- Dec 2019Conventional Debt$67.4M
#3
Series B · Eindhoven, North Brabant · founded 2018 · 26 employees$96.4Mraised▾
App-based marketplace multi-category products on point of sale finance. The platform enables users to purchase products from partnered merchants by paying in installments. The product catalog includes electronics, home & decor, garden, vehicles, jewelry, fashion & care, child & baby products, etc. Its mobile app is available for Android and iOS users.
- May 2022Series B$85.3M
- May 2022Conventional Debt—
- Mar 2022Series A$11.1M
#4
Seed · Amsterdam, North Holland · founded 2023$1.1Mraised▾
Provider of embedded lending for sustainable home upgrades. It facilitates financing for homeowners to invest in energy-efficient improvements such as solar panels and heat pumps. The financing is structured to be budget-neutral, allowing energy savings to offset the cost of the upgrades. The company partners with utilities, energy professionals, and financial institutions to offer tailored financing options and streamline the process for both homeowners and its partners. This approach expands access to sustainable home improvements for a wider range of customers.
- Jun 2024Seed$1.1M
#5
Series B · Amsterdam, North Holland · founded 2018 · 28 employees$23.1Mraised▾
Provider of online business financing and investment platform. It connects businesses seeking funding with investors. The platform offers business loans and flexible credit lines, facilitating quick and straightforward access to capital without traditional bank intermediaries. It also provides a platform for individuals to invest in businesses, earning returns on their investments. The process is entirely online, emphasizing speed and efficiency in application and disbursement.
- Oct 2021Series B$23.1M
#6
Series B · Amsterdam, North Holland · founded 2015 · 55 employees$6.8Mraised▾
Provider of independent mortgage advice and online tools. It offers personalized mortgage advice from certified advisors, comparing options across all banks. The company provides online tools for calculating maximum mortgage amounts, refinancing, and monthly payments. Clients receive support throughout the mortgage process, from initial consultation to final approval. The firm also offers a bid insurance product.
- Dec 2022Series B$4.5M
- Nov 2017Series A$2.4M
#7
Series B · Rotterdam, South Holland · founded 2011 · 45 employees$8.2Mraised▾
Provider of microfinance investment opportunities for entrepreneurs. This platform connects investors with micro-entrepreneurs in emerging markets needing capital. Investors can choose individual projects or utilize an automated investment system, receiving periodic repayments with interest. The platform facilitates access to finance for small businesses lacking traditional banking options, enabling income growth and improved living standards for borrowers. The platform focuses on facilitating investments in projects with a strong social impact.
- May 2022Series B$5.8M
- May 2020Series A$1.3M
- May 2019Series A$1.1M
- Oct 2015Seed—
#8
Seed · Rotterdam, South Holland · founded 2011 · 36 employees$1.2Mraised▾
Billink is a provider of a purchase financing solution for consumers to order the product and pay for it within 14 days. Consumers can use the payment option postpay using Billink. Billink performs a real-time check on creditworthiness and redirects to other payment methods if the application is unsuccessful. If accepted, the order will be accepted and delivered. The seller is paid by Billink, and Billink sends an invoice to the customer to pay within 14 days. If the product is returned within the period, there is no need to pay anything. Billink charges a fee per transaction to the seller. The seller is free to allocate all or a part of it to the buyer. There are no annual subscription charges for the buyers.
- Jan 2024Conventional Debt$32.1M
- Jan 2019Seed$1.2M
#9
Deadpooled · Houten, Utrecht · founded 2017$35.9Mraised▾
Working capital loans provider
- Jan 2018Series C$35.9M
#10
Acquired · Amsterdam, North Holland · founded 2016$22Mraised▾
Provider of personal loans facilitated by private and corporate investors. It offers a platform connecting borrowers with investors for loan funding. The platform provides options for individuals seeking financing for various purposes. It also allows investors to participate in lending activities.
- Jan 2020Conventional Debt$22M
#11
Acqui-Hired · Amsterdam, North Holland · founded 2021 · 5 employees$5.9Mraised▾
Fundraising platform for businesses. Its features are access to capital to invest in expansion or acquisitions, connecting existing tools for payouts, and more. It also provides a dashboard for viewing and selecting tradable contracts.
- Aug 2021Series A$5.9M
#12
Seed · The Hague, South Holland · founded 2018 · 12 employees$2.2Mraised▾
Finturi provides a platform for the users to avail loans against invoices. It uses blockchain technology to build the platform. The businesses can borrow money form financers against invoices. It offers 80% of the invoice amount as a loan. It charges fees of 0.5% per transaction per month.
- Mar 2019Angel$2.2M
Funding & investor landscape
Notable founders
Market landscape — 10 sub-themes by coverage
Share of Alternative Lending coverage by sub-theme.
Regulatory-risk over time rising
Funding & growth over time
funding rising · growth rising
Common questions
Rohit lives in the feed. He covers what's moving right now — the funding rounds, launches and shifts breaking across the trade press — and ties them back to where the sector is heading.