What Geldvoorelkaar does

Geldvoorelkaar.nl B.V., headquartered in Veenendaal, Netherlands, is the first and one of the largest crowdfunding platforms in the Netherlands and the European Union, founded in November 2010 by Edwin Adams and Martijn van Schelven in response to the banking crisis. The company operates a regulated two-sided marketplace connecting Dutch SMEs and real estate borrowers (seeking €100,000–€5,000,000) with retail and institutional investors, facilitating loan-based financing across four product types: Annuity loans, Flexible loans, Real Estate loans, and AndersFinancieren loans (for projects with societal impact). The platform also offers a mortgage fund (Hypotheekfonds) for larger investors and an advisory package program for financial intermediaries.

The underlying technology comprises a digital crowdfunding marketplace with a wallet-based investment system integrated with Online Payment Platform (OPP) for KYC/AML-compliant payment processing, a proprietary risk classification engine (rated 1–5s) combining BKR scores, Creditsafe ratings, and Graydon probability-of-default inputs, and a structured securities framework operated through two foundations (Stichting Zekerheden and Stichting Klantengelden) on behalf of investors. The platform holds the European Crowdfunding Service Provider (ECSP) license from the AFM (number 32000020, effective April 2023) and the Erkend MKB Financier quality mark. Since inception, it has funded €666.8 million across 2,704 projects with a 98% success rate and 524,651 investor transactions, repaying €454.1 million to investors.

Geldvoorelkaar's revenue is generated through a multi-stream transaction and fee model: an investor throughput fee of 0.05% per month on outstanding balances, a one-time success fee of 2.0–2.4% on funded principal, a €750 publication fee, a €750 contract preparation fee, and a 0.07% monthly portfolio management fee on the initial loan principal. Distribution combines self-service direct channels (web and mobile apps, white-label for advisory firms) with a sales team managing financial intermediary partners across three GTM motions: product-led growth, channel partners, and inside sales. The company employs approximately 25 people and is led by Fred van der Stappen as a member of the executive board, with a CEO transition announced for April 2026.

Name

Geldvoorelkaar

Legal name

Geldvoorelkaar.nl B.V.

Website

https://www.geldvoorelkaar.nl

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Geldvoorelkaar is a Dutch regulated crowdfunding platform connecting retail investors with Dutch SMEs and real estate borrowers seeking €100,000–€5,000,000 in loan financing. Founded in 2010, it has funded over €666 million across 2,704 projects via its ECSP-licensed marketplace.

Ownership category

akta.pro rank

Product category

Peer-to-peer lending and crowdfunding platform

NAICS

Other Investment Pools and Funds (5259)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Crowdfunding platform
• Peer-to-peer lending
• SME financing
• Alternative lending
• Real estate loans

Headquarters

HQ city

Veenendaal

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Investor Throughput Fee: Monthly fee of 0.05% charged on the outstanding investment balance throughout the loan term, calculated and deducted from monthly payments. Applied to all loan types (annuity, flex, real estate, AndersFinancieren).
2. Success Fee (Project Owners): One-time success fee charged upon successful project completion: 2.4% for Annuity loans and Flex loans; 2.0% for Real Estate loans and AndersFinancieren loans. Calculated on the loan principal amount.
3. Publication/Listing Fee: One-time publication fee of €750 charged to project owners when their financing request is approved and published on the platform. No fee if the project is rejected.
4. Contract Costs: One-time contract preparation fee of €750 per loan, deducted from the disbursed loan amount at closing. Covers legal contract preparation for the lending agreement.
5. Portfolio Management Fee: Monthly throughput/continuation fee of 0.07% on the initial loan principal charged to project owners throughout the loan duration.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels8 records

Core offering

Geldvoorelkaar.nl operates a Dutch crowdfunding marketplace that matches individual and institutional investors with Dutch SMEs and real estate borrowers. The platform publishes screened loan projects (Annuity, Flex, Real Estate, AndersFinancieren) with proprietary risk classification (1 to 5s), handles investor wallets and repayments via payment partner OPP, and charges throughput and success fees on each funded loan.

Product overview

Geldvoorelkaar.nl operates as a crowdfunding platform with multiple loan products (Annuïtaire Lening, Flexlening, Vastgoedlening, AndersFinancieren Lening) serving Dutch SMEs and real estate investors. The platform connects borrowers seeking financing with investors, offering mobile app access and advisory support packages. The platform also offers a Hypotheekfonds for larger investors seeking diversified real estate exposure.

Differentiator

Problem solved

Functional benefit

Brands

• AndersFinancieren: A loan product for projects with societal impact, offered as part of the Geldvoorelkaar platform.

Products and services

• Geldvoorelkaar.nl Crowdfunding Platform The core marketplace connecting Dutch SMEs and real estate borrowers with individual and institutional investors via loan-based crowdfunding, providing risk-classified project listings, KYC, investor wallets, and payment administration.
• Annuïtaire Lening (Annuity Loan) Loan product with fixed monthly payments comprising both principal and interest over the loan term, with 2.4% success fee and 0.07% monthly management fee. Used by Dutch SMEs and entrepreneurs for working capital, expansion, and general business financing.
• Flexlening (Flexible Loan) Customizable loan product with variable terms for repayment and interest, tailored to specific borrower needs. Includes 2.4% success fee and 0.07% monthly management fee.
• Vastgoedlening (Real Estate Loan) Real estate financing product available as annuity-based, interest-only, or combination structures, with 2% success fee and 0.07% monthly management fee. Secured via Stichting Zekerheden with first-mortgage security for investors.
• AndersFinancieren Lening Loan product for projects with societal impact, offered as annuity, interest-only, or combination structure, with 2% success fee and 0.07% monthly management fee. Targets social enterprises and impact-driven borrowers.
• Geldvoorelkaar Hypotheekfonds Mortgage fund providing investors with a minimum of €100,000 access to a diversified real estate financing portfolio with 7.75% gross annual return and first-mortgage security. Targets larger accredited investors and family offices seeking passive exposure.
• Geldvoorelkaar.nl Mobile App iOS and Android mobile application enabling investors to receive notifications about new opportunities, execute investments, monitor upcoming bundled wallet payments, and track portfolio statistics from mobile.
• Advies- en Begeleidingspakket (Advisory Package) Advisory and support package for entrepreneurs, available in Brons (20 hours), Zilver (40 hours), and Goud (60 hours) tiers, included in loan amount financing. Provides intermediaries and borrowers with structured support throughout the loan lifecycle.

Quantifiable outcome

• 8.7% average interest rate over the last 3 years
• +4 more outcomes

Named customers9 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Six partnerships are on record, tiered supporting and core.

• CreditsafesupportingTechnology or IntegrationCreditsafe provides automated credit scoring services calculating the probability that a company will continue to exist. Scores range from A (lowest risk) to E (no score/highest risk), based on bankruptcy data, legal form, employees, subsidiaries, capital, and location. Used as one input in the proprietary risk classification system.
• GraydonsupportingTechnology or IntegrationGraydon provides the Probability of Default (G-PD) percentage estimating the likelihood of insolvency within one year using statistical models based on annual accounts, payment behavior, company demographics, and XSeption information. Analyte-grade credit ratings considered among the international top of external ratings.
• Stichting Zekerheden Geldvoorelkaar.nlcoreOthersThe Foundation holds mortgage rights and pledge rights on behalf of investors. When a borrower defaults, the Foundation can exercise these securities. Hypothecary rights are established via notarial deed with the foundation as mortgagee, and pledge rights are registered with the Tax Administration.
• Stichting Klantengelden Geldvoorelkaar.nlcoreOthersFoundation managing customer funds and processing investor repayments from closed projects (pre-April 2023) and bailiff collections. Ensures separation of customer funds from operational finances.
• BKR (Bureau Kredietregistratie)supportingTechnology or IntegrationDutch Credit Registration Agency providing credit scores (A–L) indicating probability of default on private loans. Scores used to assess personal liability of entrepreneurs and shareholders who co-sign business loans.
• Stichting MKB FinancieringcoreOthersIssues the 'Erkend MKB Financier' (Recognized SME Financier) quality mark to platforms compliant with the Code of Conduct for Responsible SME Financing. Geldvoorelkaar holds this mark indicating adherence to high standards of responsible lending.

Scale indicators12 records

Recent moves6 records

Expansion highlights6 records

Regional players

• Qeld: Dutch fintech offering small-ticket consumer and SME financing through online channels. While smaller and primarily consumer-leaning, it competes for Dutch borrowers and investor attention in the Dutch alternative finance market that Geldvoorelkaar serves.

Broad incumbents

• Younited Credit: European consumer and SME credit marketplace operating in France, Germany, Italy, Spain, Portugal, Belgium, the Netherlands, and Austria. A larger, established player with broader geographic footprint and product scope, overlapping with Geldvoorelkaar in Dutch/EU SME lending.
• Funding Circle: One of the largest global P2P/SME marketplace lending platforms, operating in the UK, US, Germany, and the Netherlands. Comparable business model but at substantially greater scale and geographic breadth; represents the broader incumbent peer in the same marketplace lending category.

Direct peers

• Linked Finance: Irish-founded marketplace lending platform for SMEs, operating across the Netherlands and several other European markets. Comparable as a peer-to-business lender offering investors risk-adjusted returns on SME loans with similar economics to Geldvoorelkaar.
• Collin Crowdfund: Dutch crowdfunding platform offering business financing to SMEs through crowdfundinvesteringen (subordinated loans). Directly comparable to Geldvoorelkaar in target customers, loan structures, and Dutch regulatory jurisdiction, and recognized as a peer competitor in Dutch SME marketplace lending.
• EstateGuru: European real estate crowdfunding and lending platform operating across multiple EU markets. Comparable in offering secured real estate-backed loans to retail investors, directly competitive with Geldvoorelkaar's Vastgoedlening and Hypotheekfonds product lines.
• Lendahand: Dutch-founded crowdfunding platform focused on providing loans to SMEs in developing countries and Europe. Comparable to Geldvoorelkaar as a marketplace lender connecting retail investors with SME borrowers, with overlapping product structures and investor returns profile.
• BridgeFund: Dutch non-bank lender providing working capital and SME loans, operating in a similar Dutch market segment with overlapping borrower profiles (SME financing €100K–€5M). Comparable as a competing Dutch financing channel for SMEs that might otherwise use Geldvoorelkaar.
• October (formerly Lendopolis): European P2B lending platform operating in France, Germany, Spain, Italy, and the Netherlands under the ECSP framework. Direct competitor offering SME marketplace lending with similar risk classification and target borrowers to Geldvoorelkaar across the EU.

Emerging players

• Crowdestor: European real estate and business crowdfunding platform with a growing marketplace lending book. Comparable to Geldvoorelkaar in offering investor returns on project-based loans, though smaller and with less regulatory depth.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/geldvoorelkaar
• Facebookfacebook.com/Geldvoorelkaar
• LinkedInlinkedin.com/company/1586040
• Instagraminstagram.com/geldvoorelkaar.nl/?hl=nl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles10 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 Geldvoorelkaar