Finqle
Finqle is an Amsterdam-based fintech that provides invoice factoring, debtor management, and embedded financing to SMBs, freelancers, and staffing agencies across Europe and the United States, monetizing through transaction-based fees and platform partnerships.
- Company typePrivate
- Founded2015
- HeadquartersAmsterdam, Netherlands
- Headcount11–50
- GTM typeB2B
- OfferingServices
What Finqle does
Finqle B.V. is a Dutch fintech headquartered in Amsterdam that delivers invoice factoring and debtor management services to small and medium-sized businesses, freelancers, and staffing agencies. The company's core product, Finqle Factoring, allows clients to upload or generate invoices (via its Selfbilling module) and receive payment on flexible terms — immediately, weekly, or on the invoice due date — while Finqle assumes debtor management and credit risk. Supporting features include Eenhedenregistratie (unit/hours registration compliant with Dutch staffing regulation) and built-in credit checks and credit-limit setting on the buyer's debtors.
The platform is distributed through a self-serve web interface (my.finqle.com / start.finqle.com), a free Factorscan cost-calculator tool that funnels into the application, an API for automated integrations, and an Embedded Financing module that lets third-party platforms white-label factoring and payments. Finqle serves clients with employers in Europe and the United States, with an explicit "American Factoring" offering, and targets verticals such as construction, trade, staffing, and the platform/gig economy. The company was founded in 2015 by Erik-Jan Klinkenberg and Mike van Egmond, employs 11-50 staff, and reports more than 100,000 users on the platform.
Finqle monetizes through transaction-based factoring fees calculated via the Factorscan tool, supplemented by licensing/royalty-style revenue from embedded platform partners. Go-to-market is digital-first and product-led, supported by content marketing and a multi-channel social presence (LinkedIn, YouTube, Instagram, Facebook, TikTok), with direct sales available for enterprise and partnership deals such as the recently highlighted collaboration with Striive.
Finqle firmographics
Firmographics- Name
- Finqle
- Legal name
- Finqle B.V.
- Website
- https://finqle.nl
- Company type
- Private
- Founded year
- 2015
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finqle is an Amsterdam-based fintech that provides invoice factoring, debtor management, and embedded financing to SMBs, freelancers, and staffing agencies across Europe and the United States, monetizing through transaction-based fees and platform partnerships.
- Ownership category
- akta.pro rank
Where Finqle is headquartered
LocationHeadquarters
- HQ city
- Amsterdam
- HQ country
- Netherlands
- HQ region
- Europe
Offices1 record
Markets served
Finqle business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure
Revenue model
- Factoring Fees: Transaction-based fees charged on invoices that are factored. Customers sell their invoices to Finqle and receive immediate payment, paying a fee for the service. The fee can be calculated using the free factorscan tool.
- Embedded Financing: Revenue from platform partners who embed Finqle's factoring and financing solutions into their own platforms, likely through licensing or transaction-based arrangements.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Transaction-based factoring with flexible payout options |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels8 records
Finqle product offering
Product offeringCore offering
Finqle provides invoice factoring and embedded financing solutions primarily for SMEs, freelancers, self-employed professionals, and staffing agencies in the Netherlands. The platform enables businesses to sell their outstanding invoices for immediate payment, with bundled debtor management, credit checks, and flexible payout timing options.
Product overview
Finqle is a factoring platform for SMBs, staffing agencies, and platforms, offering a unified solution comprising Finqle Factoring (core product for immediate invoice payment), Embedded Financing (API-based module for platform integration), and the free Finqle Factorscan tool. Key features include Eenhedenregistratie (unit registration), Selfbilling (AI-generated invoices), and Debiteurenbeheer (debtor management). The platform enables flexible payment options (immediate, weekly, or on due date) and includes credit checking services.
Differentiator
Problem solved
Functional benefit
Products and services
- Finqle Factoring
- Embedded Financing
- Finqle Factorscan
Quantifiable outcome
- Over 100,000 users on the platform
- +2 more outcomes
Companies that use Finqle
Customer profileNamed customers11 records
Segments5 records
Ideal customer profiles3 records
Finqle technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability2 records
Feature6 records
Finqle partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- StriivecoreStrategic partnership announced where Striive and Finqle now work together. This is highlighted as a new collaboration on the website homepage, indicating a significant integration or joint go-to-market initiative.
Scale indicators3 records
Recent moves5 records
Expansion highlights5 records
Finqle competitors and assessment
Company assessmentDirect peers
- BlueVine: US SMB banking and invoice factoring platform. Directly comparable to Finqle on invoice factoring for SMBs, bundled working-capital and payments, and digital self-serve model.
- Billie: Berlin-based B2B buy-now-pay-later and embedded payments provider targeting SMBs across Europe. Comparable to Finqle on B2B SMB working-capital financing, embedded distribution model, and European geographic overlap.
- October: European SMB lending platform providing working-capital and term loans to SMEs. Comparable to Finqle on SMB credit intermediation across Europe, though October leans toward term lending vs. factoring.
- MarketFinance (now known as Youdium): UK-based invoice financing and SMB lending platform. Directly comparable to Finqle's invoice factoring model, SMB target segment, and self-serve digital onboarding, though operating in the UK rather than Netherlands.
- Fundbox: US fintech offering SMB working-capital advances and invoice-based financing. Comparable to Finqle in transaction-based lending to SMBs, digital onboarding, and embedded integration with accounting software.
- CapitalBox: Dutch fintech providing short-term financing and factoring to SMBs and freelancers in the Netherlands. Closely comparable to Finqle in geography, customer base, and core product (invoice/SMB financing).
Broad incumbents
- Qonto: European SMB neobank offering business accounts, payments, and credit/financing. Comparable to Finqle on serving European SMBs with embedded financial services, though broader in scope than pure factoring.
- Stenn: Global fintech specializing in cross-border trade finance and invoice factoring for SMB exporters/importers. Comparable to Finqle on invoice factoring economics, with broader geographic and trade-finance scope.
Emerging players
- Parafin: US-based embedded financing platform that provides SMB working capital through software partners. Comparable to Finqle on embedded financing distribution via platform partners and SMB cashflow products.
- Resolve: B2B payments and net-term financing provider for SMBs. Comparable to Finqle on SMB working-capital financing and invoice-based credit, with overlap in automation and integration-heavy product.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks5 records
Key highlights7 records
Customer concentration
Finqle social profiles
Digital presenceFinqle financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finqle leadership team
Management profileNumber of profiles
Profiles2 records
Finqle funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finqle 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 Finqle
What does Finqle do?
Finqle provides invoice factoring and embedded financing solutions primarily for SMEs, freelancers, self-employed professionals, and staffing agencies in the Netherlands. The platform enables businesses to sell their outstanding invoices for immediate payment, with bundled debtor management, credit checks, and flexible payout timing options.
Is Finqle a public or private company?
Finqle is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Finqle founded?
Finqle was founded in 2015. It employs 11 to 50 people.
Where is Finqle based?
Finqle is headquartered in Amsterdam, Netherlands, in the Europe region.
How does Finqle make money?
Two revenue lines are on record. Factoring Fees are the primary driver. The others are embedded Financing.
Who are Finqle's main competitors?
Direct peers on record are BlueVine, Billie, October, MarketFinance (now known as Youdium), Fundbox and CapitalBox. Broad incumbents are Qonto and Stenn. Emerging players are Parafin and Resolve.
Does Finqle have an API?
Yes. Finqle offers an API that allows users to automate invoice processing and integrate factoring capabilities into their own workflows. Users can upload invoices, link their accounting software, or automate via the API.