NLInvesteert

What NLInvesteert does

NLInvesteert is a Barneveld, Netherlands-based independent financing intermediary founded in 2015 that operates a two-sided platform connecting Dutch small and medium-sized enterprises (MKB) seeking business financing with private investors, banks, and alternative financiers willing to provide it. The company has arranged more than €1.8 billion in financing across over 800 entrepreneurs since inception, and currently manages an outstanding loan portfolio of approximately €260 million. Its core proposition is stapelfinanciering (co-financing), in which multiple capital sources—commercial banks (ING, ABN AMRO, Rabobank), alternative lenders (Floryn, Boozt24, FundIQ, RiverBank), real estate financiers, factoring and leasing providers, and the firm's own retail investor base—are combined into a single financing structure tailored to the SME borrower, addressing the common problem of Dutch SMEs being unable to obtain complete financing from any single lender.

The platform is built on a proprietary investor-facing technology stack featuring PSD2-enabled bank account integration (via EnableNow, licensed by De Nederlandsche Bank) that allows automated retrieval and monitoring of business banking data on a 90-day cycle, an internal NLI-Score risk assessment methodology combining solvency, liquidity, and profitability metrics, and a self-serve investment platform supporting minimum investments from €1,000 per project. Distribution is hybrid: a regional advisor network of 37 professionals across 18 Dutch regions delivers in-person origination and advisory services to SME borrowers and intermediaries, while the online platform serves retail investors directly. Revenue is generated through three streams: transaction and arrangement fees on originated financings, recurring fund management fees (e.g., 0.60% annually on the €50M-target Private Debt Fund plus tiered entry fees of 0.40-0.80%), and advisory services.

The product portfolio spans core SME financing products (business financing, real estate financing, subordinated loans, business acquisition financing, healthcare real estate financing) and three investment vehicles for investors: the Bedrijfsleningenfonds (minimum €100,000, targeting greater than 7% net annual return across 60-80 diversified loans), the NLI Private Debt Fund (minimum €1,000,000, targeting greater than 8% net annual return), and the NLI Capital private equity fund (minimum commitment €250,000, targeting IRR greater than 15% over 8-10 years for Dutch SMEs with EBITDA greater than €500,000). The firm is registered with the Netherlands Authority for the Financial Markets (AFM) for crowdfunding activities, holds PSD2 licensing, and was named Best Crowdfunding Platform 2025 by the IEX professional jury.

Name

NLInvesteert

Legal name

NLInvesteert

Website

https://nlinvesteert.nl

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

NLInvesteert is an independent Dutch financing intermediary founded in 2015 that arranges business financing for SMEs by combining bank, alternative, and private investor capital through its platform of 12,000+ investors and 70+ financing partners.

Ownership category

akta.pro rank

Product category

SME Financing & Lending

NAICS

Miscellaneous Intermediation (523910), Portfolio Management and Investment Advice (523940), Other Investment Pools and Funds (5259)

SIC

Loan Brokers (6163), Investment Advice (6282)

akta.pro primary industry

Project Finance Capital Raising Intermediation (FSAEALAJ)

Keywords

• SME business financing
• Debt crowdfunding platform
• Private debt fund
• Real estate financing
• Co-financing broker

Headquarters

HQ city

Barneveld

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Platform Transaction Fees: NLInvesteert charges fees for arranging financing between SMEs and investors. The company operates as an intermediary, connecting borrowers with its network of 12,000+ private investors and 70+ financing partners.
2. Fund Management Fees: Management fees from investment funds including the Bedrijfsleningenfonds (Business Lending Fund) and Private Debt Fund. Annual management fee of 0.60% for the Private Debt Fund, plus one-time entry fees of 0.40-0.80% depending on commitment size.
3. Advisory and Arrangement Fees: Fees for advisory services and financing arrangement, including assessment, structuring, and ongoing monitoring of financed businesses.

Pricing tiers

Go-to-market motion3 records

Distribution channels5 records

Marketing channels8 records

Core offering

NLInvesteert is an independent Dutch financing intermediary (financieringsregisseur) that arranges business financing for Dutch SMEs by combining multiple capital sources—banks, alternative financiers, and its own investor platform of 12,000+ private investors—into tailored co-financing (stapelfinanciering) structures. It also manages investment funds (Bedrijfsleningenfonds, NLI Private Debt Fund, NLI Capital) targeting SMEs and investors, with a current outstanding portfolio of approximately €260 million and over €1.8 billion arranged since 2015.

Product overview

NLInvesteert operates as an independent financing broker for Dutch SMEs, offering a platform for business financing and investment opportunities. The core product is its business financing service that combines multiple capital sources (banks, alternative financiers, and private investors) through co-financing arrangements. The product portfolio includes: (1) direct financing products for businesses including Bedrijfsfinanciering, Vastgoedfinanciering, Achtergestelde Lening, Stapelfinanciering, Bedrijfsovername Financiering, and Financiering Zorgvastgoed; (2) investment funds for investors including Bedrijfsleningenfonds (minimum €100,000), Private Debt Fund (minimum €1,000,000), and NLI Capital private equity fund (minimum €250,000); and (3) supporting services including prospectus requests and portfolio details reporting. The platform connects SMEs seeking financing with investors seeking returns, with investments starting at €1,000 for individual projects or €100,000+ for fund investments.

Differentiator

Problem solved

Functional benefit

Brands

• Bedrijfsleningenfonds: A loan fund allowing investors to invest from €100,000 in a diversified portfolio of 60-80 business loans with expected returns >7% net per year.
• NLI Private Debt Fund
• NLI Capital

Products and services

• Bedrijfsfinanciering (Business Financing) Main business financing service providing customized financing solutions for Dutch SMEs by combining various capital sources including banks, alternative financiers, and private investor capital. Targeted at entrepreneurs seeking growth, working capital, or refinancing solutions above €250,000.
• Vastgoedfinanciering (Real Estate Financing) Real estate financing for commercial and residential properties, including commercial mortgages, development financing, and transformation projects for Dutch SMEs and real estate investors.
• Achtergestelde Lening (Subordinated Loan) Subordinated loan product combined with other financing forms (typically bank debt), offering higher risk with 8%–10% interest rates for investors while strengthening the borrower's equity base.
• Stapelfinanciering (Stacked/Co-financing) Method combining multiple financing sources (bank loans, crowdfunding, private investments, government funds, leasing, factoring) into an optimal mixed financing structure for SMEs whose financing needs exceed what a single lender can provide.
• Bedrijfsovername Financiering (Business Acquisition Financing) Specialized financing for SME business acquisitions and buy-outs, combining various capital sources (banks, private investors, alternative financiers) into co-financing arrangements tailored to the deal structure.
• Financiering Zorgvastgoed (Healthcare Real Estate Financing) Specialized financing for healthcare real estate in the Netherlands, including new construction, building transformation, and expansion of healthcare facilities for operators and investors.
• Bedrijfsleningenfonds (Business Lending Fund) Investment fund allowing investors to access Dutch SME loans with a minimum of €100,000, providing diversification across 60–80 projects, monthly interest distributions, and a target net return of >7% per year over a typical 3+3 year term.
• NLI Private Debt Fund Private debt fund for high-net-worth investors with a minimum commitment of €1,000,000, an annual management fee of 0.60%, one-time entry fees of 0.40%–0.80%, monthly interest distributions, and a target net return of >8% per year from a diversified portfolio of Dutch SME loans.
• NLI Capital (Private Equity Fund) Dutch private equity fund investing in stable Dutch SME companies with EBITDA above €500,000 that are typically overlooked by traditional PE firms; minimum investment €100,000, minimum commitment €250,000, IRR target >15% after costs over an 8–10 year fund duration.

Quantifiable outcome

• €1.8 billion+ in financing arranged since 2015
• +4 more outcomes

Named customers10 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Four partnerships are on record, tiered minor.

• Farmers Funding & AdviesminorChannel Partner/ Reseller/ DistributorFarmers Funding & Advies, based in Breda and Dronten, has expanded services through collaboration with NLInvesteert since October 2022. They specialize in financing for agricultural businesses and use NLInvesteert's technical infrastructure to connect investors with entrepreneurs.
• TriademinorStrategic or Co-development PartnerTriade is a network organization supporting entrepreneurs in developing healthcare-related innovations. They offer help with product development, administration, housing, and financing. Closely connected to UMCG providing unique expertise and facilities.
• VenntivminorStrategic or Co-development PartnerVenntiv facilitates innovation by supporting companies as a sparring partner and subsidy advisor. Extensive knowledge of the subsidy world with expertise in translating business ideas into strong applications.
• VNO-NCW NoordminorStrategic or Co-development PartnerVNO-NCW Noord is the largest entrepreneurial organization in Northern Netherlands, representing businesses from multinationals to SMEs. Committed to an attractive business climate and providing access to an extensive employer network in the region.

Scale indicators11 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• smeGo: Pan-European digital lending platform for SMEs offering business loans and credit lines; competes with NLInvesteert in the Dutch mid-market SME segment and has financed €2B+ across Europe.
• Collin Crowdfund: Dutch crowdfunding platform for SME business loans — operates the same investor-to-SME lending model in the Netherlands and competes directly for both borrower deal flow and private investor capital.
• Geldvoorelkaar.nl: One of the largest Dutch crowdfunding platforms focused on SME financing; competes head-to-head with NLInvesteert for the same Dutch SME borrower and retail investor segments.
• Voordegroei: Dutch SME debt and commercial real estate financing platform — listed as a partner of NLInvesteert but operates its own investor-facing SME loan products, making it a close direct competitor.
• FundIQ: Dutch subordinated loan provider to SMEs (€1M-€3M tickets); part of NLInvesteert's partner ecosystem but also originates and distributes SME credit directly, overlapping on product and target customer.

Broad incumbents

• Funding Circle: Established UK-headquartered SME lending marketplace with institutional and retail funding; operates at significantly larger scale than NLInvesteert and serves as a benchmark for the SME platform business model.
• Younited Credit: European consumer and SME lending platform listed on Euronext; offers comparable investor-facing credit products and operates across multiple European markets, broader than NLInvesteert's Dutch-only focus.
• Lendio: US SMB lending marketplace aggregating multiple capital sources; similar business model of matching SMEs with diverse funders, though operating in the US rather than Europe.

Emerging players

• Floryn: Dutch non-bank commercial credit provider for SMEs using current-account performance data; an NLInvesteert partner that also competes for direct SME origination with its own balance sheet.
• Mogelijk: Dutch commercial real estate financier for SMEs and investors (commercial mortgages from €50k); listed as NLInvesteert partner but also originates direct real estate loans, partially overlapping on the Dutch CRE financing segment.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat6 records

Key risks5 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/nlinvesteert
• Xx.com/nlinvesteert
• Facebookfacebook.com/NLInvesteert

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles7 records

Subsidiaries3 records

Funding overview

Funding rounds

Investors

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 NLInvesteert