Qredits

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.

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

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

• Microfinance lending
• SME business loans
• Entrepreneurship coaching
• Microcredit services
• Business development training

Headquarters

HQ city

Almelo

HQ country

Netherlands

HQ region

Europe

Offices10 records

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. 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.
2. 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.
3. 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.
4. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels6 records

Core 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

Named customers2 records

Segments6 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability1 record

Feature3 records

Partnerships

Seven partnerships are on record, tiered core, strategic and minor.

• Youth Business International (YBI)coreStrategic or Co-development PartnerGlobal 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.
• SinglifystrategicTechnology or IntegrationSalesforce 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 NederlandstrategicStrategic or Co-development PartnerPartnership 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 CommercestrategicStrategic or Co-development PartnerPartner in migrant entrepreneurship training program, educating migrants on Dutch business climate.
• European Microfinance Network (EMN)strategicStrategic or Co-development PartnerMember-based not-for-profit organization in Brussels promoting microfinance in Europe. Qredits CEO Elwin Groenevelt served as EMN President for 7 years.
• Social Enterprise NLstrategicStrategic or Co-development PartnerQredits is a social enterprise with ANBI-status and active member of Social Enterprise Netherlands, core member of Waymaker (Baanbreker) group.
• PUM Netherlands Senior ExpertsminorStrategic or Co-development PartnerInternational network of senior experts with years of experience in SMEs working with Qredits Bonaire.

Scale indicators10 records

Recent moves10 records

Expansion highlights5 records

Direct 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

• Xx.com/qredits
• YouTubeyoutube.com/channel/UCt9aQ5LhkFzqohLFbGHy7kQ
• Facebookfacebook.com/qredits
• LinkedInlinkedin.com/company/qredits-microfinanciering-nederland
• Instagraminstagram.com/qredits

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries1 record

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Qredits