Caple BV

What Caple BV does

Caple BV is a Dutch-British alternative credit provider specialised in long-term, unsecured growth loans for established small and medium-sized enterprises (SMEs). Founded in 2015 and headquartered at WTC Schiphol, Amsterdam, with a regional office in London, the company offers business loans ranging from €500,000 to €5 million (or £500,000 to £5 million) with terms of one to eight years, with the primary offering structured as five-to-eight-year growth credit that complements traditional bank debt. Loans are extended without security or personal guarantees and are assessed on the basis of entrepreneurship, business plan quality, and expected cash flows rather than collateral.

The company distributes exclusively through a curated Partner Network of independent Financial Advisors and Accountants, who guide SME clients through the funding process using Caple's proprietary online Technology Platform at platform.caple.eu. That platform supports financial rating generation, strategic and financial modelling with forecasting, KYC processing, and end-to-end funding proposal creation. Underwriting is performed by an in-house credit team organised by jurisdiction (Head of Credit for the Netherlands and the UK), supported by a monitoring officer and engineering staff. Caple's revenue model is twofold: a one-time processing fee of approximately 1.15% of the principal (range 1-2%, added to the loan amount) and fixed interest income on outstanding principal at rates of 5-11%, depending on the financial rating and creditworthiness.

Capital for the loan portfolio is supplied by institutional investors, primarily insurance companies and pension funds, accessed through a relationship with BNP Paribas Asset Management. Caple does not pay commissions or fees to Partners, who bill SME clients directly for their own advisory work. Across both markets, the company has completed more than 50 deals spanning healthcare, construction, food technology, manufacturing, textiles, recruitment, and facilities management, supporting use cases including growth financing, acquisitions, ownership transitions (MBIs/MBOs), and additional working capital.

Name

Caple BV

Legal name

Caple B.V.

Website

https://caple.eu

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

11–50 employees

Short description

Caple BV is a Dutch-British alternative credit provider offering long-term unsecured growth loans of €500,000 to €5 million to established SMEs, distributed exclusively through its Partner Network of independent Financial Advisors and Accountants and funded by BNP Paribas Asset Management-linked institutional investors.

Ownership category

akta.pro rank

Product category

SME Alternative Lending

NAICS

Credit Intermediation and Related Activities (522)

SIC

Miscellaneous Business Credit Institution (6159)

akta.pro primary industry

Specialty Finance / Structured Credit (FSANADAE)

akta.pro secondary industry

Private Credit / Direct Lending (FSAAAHAG)

Keywords

• SME growth credit
• Alternative business lending
• Unsecured loan financing
• Credit assessment platform
• Partner-based lending distribution

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Processing/Arrangement Fees: One-time upfront processing fee charged when the loan is established. Fee is approximately 1.15% of the principal amount (range 1-2%). This fee is added to the principal sum.
2. Interest Income: Fixed interest rate charged on outstanding principal throughout loan term. Interest rates range from 5-11% depending on the Financial Rating, creditworthiness, loan duration, and market conditions. Quarterly fixed payments for principal and interest.
3. Partner Advisory Fees (Third Party): Financial Advisors charge their clients separately for advisory services. Caple has no financial relationship with Partners—no commissions or fees between Caple and the Partner network.

Pricing tiers

Go-to-market motion2 records

Distribution channels1 record

Marketing channels4 records

Core offering

Caple BV provides unsecured, long-term growth credit of €500,000 to €5 million with terms of five to eight years to established small and medium-sized enterprises in the Netherlands and the United Kingdom, sourced via institutional investors and originated exclusively through a network of independent Financial Advisors and Accountants. A proprietary online platform supports credit rating, financial modeling, and funding proposal workflows for Partners, while the underwriting approach lends against entrepreneurship, business plan quality, and expected cash flows rather than security or personal guarantees.

Product overview

Caple BV operates as a dual-product company offering SME growth credit backed by a proprietary technology platform and a partner distribution network. The core product is the Caple Growth Credit (unsecured loans of £500k–£5m / €500k–€5m, terms 5–8 years), which is distributed exclusively through the Caple Partner Network of independent Financial Advisors and Accountants. The Caple Technology Platform (platform.caple.eu) is the digital backbone that enables Partners to run financial ratings, build funding proposals, and manage the full loan lifecycle online. These three elements — the credit product, the platform, and the partner network — are tightly integrated and interdependent.

Differentiator

Problem solved

Functional benefit

Products and services

• Caple Growth Credit Unsecured long-term business loans of £500,000 to £5 million (€500,000 to €5 million) for established mid-sized European SMEs, structured as complementary financing alongside bank debt with terms of five to eight years, fixed interest rates (5-11%), an upfront processing fee (~1.15%), and no security or personal guarantees required. Loans are accessed exclusively through Caple's Partner Network of independent Financial Advisors and Accountants.
• Caple Technology Platform Online portal (platform.caple.eu) through which Partners (Financial Advisors and Accountants) generate a Financial Rating, build financial models and forecasts, compile funding proposals, and complete KYC processing for SME borrowers, enabling end-to-end loan management from initial eligibility testing through drawdown and ongoing monitoring.

Quantifiable outcome

• Loans processed to completion within approximately 10 business days after receiving complete funding proposal and KYC information

Named customers10 records

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• iwoca: European fintech lender offering small-business credit lines and loans to SMEs across the UK and Germany. Directly competes for the same mid-market SME growth credit gap that Caple targets.
• CapitalBox: European online lender providing short- and medium-term financing to SMEs, with a Netherlands presence. Operates in the same Dutch SME credit market as Caple's NL book.
• ThinCats: UK-based direct lender providing secured and unsecured loans to established SMEs, typically £1m–£10m tickets. Closely comparable loan size and target customer profile to Caple Growth Credit.
• Fleximize: UK alternative finance provider offering flexible growth capital to SMEs with ticket sizes in the £250k–£5m range. Directly comparable product offering and SME growth-credit positioning.
• Reward Finance Group: UK alternative lender providing secured and unsecured growth capital to SMEs with revenues typically £1m–£20m. Closely comparable target segment and ticket-size profile to Caple's UK offering.
• IW Capital: UK-based alternative lender providing debt and growth capital to SMEs. Closely comparable to Caple's UK book; Caple's Head of Credit (UK) Mark Cameron previously led Debt Transactions at IW Capital.

Emerging players

• Liberis: Revenue-based finance provider offering embedded funding to small businesses. Adjacent alternative SME lender using a different underwriting lens but targeting the same European SME funding gap.

Broad incumbents

• Funding Circle: Established UK-listed SME lending platform operating at significantly larger scale across multiple European markets. Competes in the same SME alternative finance category but with a much broader product set and capital base.
• Younited Credit: European consumer and SME credit platform operating across multiple countries including France, Germany, Italy and Spain. Overlapping with Caple's mid-market credit intermediation model, but broader in scope.

Regional players

• Spotcap: Online SME lender operating across the Netherlands, Germany, Spain, Australia and other markets. Competes with Caple in the Dutch SME credit gap with a more technology-led direct origination model.

Market position

Strengths4 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights5 records

Customer concentration

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 records

Funding overview

Funding rounds1 record

Investors1 record

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

M&A

Investments3 records

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

Frequently asked questions about Caple BV