Qredits
Qredits is a Dutch non-profit foundation founded in 2009 that provides microcredit (up to €50K) and SME loans (€50K–€250K) to entrepreneurs underserved by traditional banks, complemented by volunteer coaching, e-learning, and training programs across the Netherlands and Dutch Caribbean.
- Company typePrivate
- Founded2009
- HeadquartersAlmelo, Netherlands
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Qredits does
Qredits is a Dutch non-profit foundation (Stichting Qredits Microfinanciering Nederland) founded in 2009 that provides microcredit (up to €50,000) and SME loans (€50,000–€250,000) to entrepreneurs who cannot obtain financing from conventional banks. Headquartered in Almelo with eight offices across the Netherlands and the Dutch Caribbean (Aruba, Bonaire, Curaçao, St. Maarten), it has disbursed over 40,000 loans totaling approximately €887 million since inception, with 130+ new applications processed daily. Its core platform combines lending with a network of 600+ volunteer coaches, a customer portal (MijnQredits), multilingual e-learning courses, and structured training programs (Small Business Academy, Agri Business Academy, BeYourOwnBoss, Migrant Training Program); supporting technology includes a Salesforce-based Investment Management System deployed via partner Singlify and an AI-assisted conversation transcript summarization tool.
Qredits operates a hybrid non-profit revenue model: primary income from interest on its microcredit and SME loan portfolio, supplemented by grants from institutional funders (EU programs — EIF, EIB, CEB, EaSI, COSME; Citi Foundation; Dutch Ministry of Economic Affairs), coaching fees (free for loan customers, nominal fee for non-customers), and a small IT consulting line (€125/hour) advising other MFIs on systems and processes. Pricing is structured in fixed tiers per product (Microcredit, SME Loan, Mortgage Loan, Flexible Credit, Agriloan, BES Culture Loan, SME Sustainability Loan) billed monthly. Its customer base is structurally long-tail, targeting aspiring and existing micro/small business owners (up to 5 employees), underserved youth, migrants, and agricultural entrepreneurs in the Caribbean.
Go-to-market combines direct field sales through regional offices, online self-serve applications via the website and MijnQredits portal, partner referrals (VluchtelingenWerk Nederland, Dutch Chamber of Commerce, YBI, Social Enterprise NL), and earned media through royal endorsements (Queen Máxima, King Willem-Alexander). Reported portfolio quality is strong: a 3.1% default rate and 82% three-year business survival rate, with over one-third of borrowers reaching revenues above €100,000 and one in five eventually refinancing into mainstream banks. Qredits holds ANBI (Dutch public benefit) status and was the first European MFI to receive the European Code of Good Conduct Certificate (2016), both of which underpin access to EIF/EIB/CEB guarantee facilities.
Qredits firmographics
Firmographics- Name
- Qredits
- Legal name
- Stichting Qredits Microfinanciering Nederland
- Website
- https://qredits.com
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Qredits is a Dutch non-profit foundation founded in 2009 that provides microcredit (up to €50K) and SME loans (€50K–€250K) to entrepreneurs underserved by traditional banks, complemented by volunteer coaching, e-learning, and training programs across the Netherlands and Dutch Caribbean.
- Ownership category
- akta.pro rank
Qredits industry classification
Industry- Product category
- Microfinance and SME Lending
- NAICS
- Other Nondepository Credit Intermediation (52229), Nondepository Credit Intermediation (5222)
- SIC
- Short-Term Business Credit Institutions (6153)
- akta.pro primary industry
- Microloans & Working Capital Loans (FSAKAGAA)
- akta.pro secondary industries
- Microfinance, Financial Inclusion & Inclusive Markets (BPAGABAM), Agricultural & Rural Microfinance (FSAKAGAG), Financial Literacy, Budgeting & Personal Finance (EDAMAHAE)
Keywords
Where Qredits is headquartered
LocationHeadquarters
- HQ city
- Almelo
- HQ country
- Netherlands
- HQ region
- Europe
Offices10 records
Markets served
Qredits business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Microcredit and SME Loans: Qredits provides business loans ranging from microcredit (up to €50,000) to SME loans (€50,000-€250,000). Revenue is generated through interest on loans provided to entrepreneurs.
- Coaching Services: Mentoring services for entrepreneurs at a nominal fee for three months. Credit customers receive coaching for free or attend training courses at no cost.
- IT Consulting Services: Qredits offers consulting services to advise other MFIs on IT systems and processes. Additional consulting available at €125/hour excluding VAT and travel expenses.
- E-learning and Business Tools: E-learning courses and business plan templates provided free to Qredits customers. Some tools available for free download to entrepreneurs.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Microcredit up to €50,000 for small business financing |
| Subscription | Monthly | SME-loan from €50,000 to €250,000 |
| Subscription | Monthly | Flexible Credit up to €25,000 |
| Subscription | Monthly | Agriloan up to €100,000 |
| Subscription | Monthly | BES Culture loan from €2,500 to €40,000 |
| Subscription | Monthly | SME Sustainability Loan up to €50,000 |
| Unit Pricing | Multi-year contract | Coaching nominal fee for 3 months |
| Usage-based | Pay-as-you-go | IT Consulting at €125/hour |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels6 records
Qredits product offering
Product offeringCore offering
Qredits is a non-profit foundation that provides microfinance and SME loans (€2,500 to €250,000) to entrepreneurs in the Netherlands and Caribbean Netherlands who lack access to traditional bank financing. Its offering combines credit (microcredit, SME loans, agriloans, sustainable loans) with a network of 600+ volunteer business coaches and structured training programs. Customers also access multilingual e-learning courses, downloadable business plan templates, and the MijnQredits online portal for account management.
Product overview
Qredits is a non-profit foundation (Stichting Qredits Microfinanciering Nederland) offering a unified microfinance platform combining financing products, mentoring services, and business development tools for entrepreneurs. The core offering centers on business loans ranging from microcredit (€50,000) to SME loans (€250,000), complemented by a network of 600+ volunteer business coaches. The product portfolio includes online e-learning courses (business plan writing, sales planning, credit management, microfinance mentoring), downloadable business and financial plan templates, and structured training programs (Small Business Academy, Agri Business Academy, BeYourOwnBoss school program, and Migrant Training Program). Qredits also offers IT consulting services to share microfinance technology expertise internationally. Customers access services through the MijnQredits online portal and can receive free coaching when they have an active loan.
Differentiator
Problem solved
Functional benefit
Brands
- BeYourOwnBoss: Educational program developed by Qredits for entrepreneurial students, teaching them about starting a business through e-learning and a mobile app
- Qredits Academy
- Qredits International
- Small Business Academy
- Agri Business Academy
Quantifiable outcome
- 82% of Qredits customers still actively in business after three years
- +3 more outcomes
Companies that use Qredits
Customer profileNamed customers2 records
Segments6 records
Ideal customer profiles3 records
Qredits technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability1 record
Feature3 records
Qredits partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core, strategic and minor.
- Youth Business International (YBI)coreGlobal network of 60+ enterprise support organizations. Qredits is member and beneficiary of Citi Foundation grant funding through Youth Business Europe program supporting underserved young entrepreneurs.
- SinglifystrategicSalesforce partner providing end-to-end Investment Management System tailored for microfinance and social investment sector. Partnership enables MFIs to manage investments from applications to impact reporting.
- VluchtelingenWerk NederlandstrategicPartnership for Entrepreneurial Training Program for migrants/newcomers in the Netherlands. 14-week program helping migrants turn business ideas into strong business plans.
- Dutch Chamber of CommercestrategicPartner in migrant entrepreneurship training program, educating migrants on Dutch business climate.
- European Microfinance Network (EMN)strategicMember-based not-for-profit organization in Brussels promoting microfinance in Europe. Qredits CEO Elwin Groenevelt served as EMN President for 7 years.
- Social Enterprise NLstrategicQredits is a social enterprise with ANBI-status and active member of Social Enterprise Netherlands, core member of Waymaker (Baanbreker) group.
- PUM Netherlands Senior ExpertsminorInternational network of senior experts with years of experience in SMEs working with Qredits Bonaire.
Scale indicators10 records
Recent moves10 records
Expansion highlights5 records
Qredits competitors and assessment
Company assessmentDirect peers
- PerMicro: Italian non-profit microcredit institution providing small business loans and mentoring to underserved entrepreneurs. Closest direct peer to Qredits in mission, ticket size, and bundled coaching model.
- Adie: France's leading microfinance institution, financing entrepreneurs excluded from bank credit with loan-plus-mentoring model. Direct peer operating under comparable French/European regulatory framework.
- MicroStart: Belgian microfinance institution providing microcredit and coaching to aspiring entrepreneurs unable to access bank financing. Direct neighbor-country peer with similar EU regulatory exposure.
- Fair Finance: UK social enterprise providing affordable credit, business support, and advice to underserved entrepreneurs. Direct peer in mission, ticket size, and non-bank SME lending.
Regional players
- Responsible Finance: UK membership body for responsible finance providers and community development finance institutions. Comparable as the UK counterpart to the European Microfinance Network that Qredits actively participates in.
Broad incumbents
- Oikocredit: International cooperative providing capital to microfinance institutions and social enterprises in developing countries. Broader incumbent in inclusive finance with shared partner-network orientation.
- Triodos Bank: Dutch sustainable bank with deep roots in Dutch social finance; listed as a Qredits financial partner and provides comparable ANBI-aligned values-based lending. Broader incumbent offering depository and SME financing.
- Banca Etica: Italian ethical bank focused on non-profit and social enterprises. Comparable mission-driven European bank providing credit to social-sector borrowers.
Others
- European Microfinance Network: Brussels-based membership association promoting microfinance in Europe; Qredits' CEO served as EMN President for 7 years. Industry association peer rather than a competitor.
- Youth Business International: Global network of 60+ enterprise support organizations for young entrepreneurs; Qredits is an active member and Citi Foundation grant beneficiary. Strategic partner and ecosystem peer.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Qredits social profiles
Digital presenceQredits compliance and trust
Trust signalCompliance1 record
Qredits financial estimates
Financial estimateRevenue estimate
Valuation estimate
Qredits leadership team
Management profileNumber of profiles
Profiles3 records
Qredits subsidiaries and ownership
Company hierarchySubsidiaries1 record
Qredits funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Qredits M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Qredits
What does Qredits do?
Qredits is a non-profit foundation that provides microfinance and SME loans (€2,500 to €250,000) to entrepreneurs in the Netherlands and Caribbean Netherlands who lack access to traditional bank financing. Its offering combines credit (microcredit, SME loans, agriloans, sustainable loans) with a network of 600+ volunteer business coaches and structured training programs. Customers also access multilingual e-learning courses, downloadable business plan templates, and the MijnQredits online portal for account management.
Is Qredits a public or private company?
Qredits is a private company. It is classified as nonprofit foundation owned and is currently operating.
When was Qredits founded?
Qredits was founded in 2009. It employs 101 to 250 people.
Where is Qredits based?
Qredits is headquartered in Almelo, Netherlands, in the Europe region.
How does Qredits make money?
Four revenue lines are on record. Microcredit and SME Loans are the primary driver. The others are coaching Services, IT Consulting Services and E-learning and Business Tools.
Who are Qredits's main competitors?
Direct peers on record are PerMicro, Adie, MicroStart and Fair Finance. Responsible Finance is listed as a regional player. Broad incumbents are Oikocredit, Triodos Bank and Banca Etica. Others are European Microfinance Network and Youth Business International.
Does Qredits have an API?
No public API is recorded for Qredits.
What industry is Qredits in?
Qredits's product category is Microfinance and SME Lending. Its primary akta.pro industry code is FSAKAGAA, Microloans & Working Capital Loans, with a secondary code of BPAGABAM, Microfinance, Financial Inclusion & Inclusive Markets. Its NAICS code is 52229 and its SIC code is 6153.