Financieringsgilde

What Financieringsgilde does

Financieringsgilde (legal entity: Financieringsgilde Adviesgroep BV) is a Dutch financial advisory franchise organization founded in 2016 and headquartered in Doetinchem, Netherlands. The firm operates a nationwide network of independent, locally embedded franchise advisors who assist Dutch small and medium-sized business (SMB) entrepreneurs in obtaining business financing. The core service is independent comparison and placement of financing products across a panel of more than 60 money lenders, encompassing both traditional banks and non-banking financiers. The product portfolio spans four growth pillars: real estate (Bedrijfshypotheek, Zakelijke Hypotheek, Vastgoedhypotheek, Verhuurhypotheek), business acquisitions, working capital (Zakelijke Lening, Zakelijk Krediet, Zakelijke Lease, Factoring, Crowdfunding), and sustainability (Groenlening, Groenlease). Additional specializations include automotive sector financing via the Yesqar partnership and refinancing/Herfinanciering services.

The business generates revenue through a transparent, publicly disclosed fee structure: a free initial intake consultation, a €950 feasibility study (Haalbaarheidsonderzoek), and a 1% financing application fee on the placed financing amount with a €3,950 minimum. The model is sales-led, delivered through local advisors who handle the full client journey from consultation to lender submission; there is no self-serve or product-led motion. The firm does not operate a proprietary technology platform, relying instead on third-party advisory software and Office 365, with online calculators and a knowledge hub serving primarily as SEO-driven lead generation.

Customer segments include SMB entrepreneurs in real estate and property investment, working capital and cash flow management, business acquisitions and succession, sustainability and green investments, and automotive sector businesses. The firm is collectively registered with KiFiD (Klachteninstituut Financiële Dienstverlening, registration 550.000001) for complaints handling. Regional franchise offices identified in source data include Nijmegen, Breda, Hoogeveen, Zwolle, Deventer, and Rotterdam, with the brand positioning itself as serving the full Dutch market.

Name

Financieringsgilde

Legal name

Financieringsgilde Adviesgroep BV

Website

https://financieringsgilde.nl

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

51–100 employees

Short description

Financieringsgilde is a Dutch financial advisory franchise network that helps SMB entrepreneurs obtain business financing by comparing and placing products across 60+ lenders, delivered through independent local advisors under a transparent fee structure.

Ownership category

akta.pro rank

Product category

Commercial Financing Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310)

SIC

Loan Brokers (6163)

akta.pro primary industry

Debt Advisory & Financing Advisory (FSAEAGAD)

akta.pro secondary industry

Equipment & Asset Finance (SME) (FSAKAGAF)

Keywords

• Business financing advisory
• Commercial mortgage brokerage
• SME lending solutions
• Working capital financing
• Real estate financing

Headquarters

HQ city

Doetinchem

HQ country

Netherlands

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Financieringsaanvraag (Financing Application Fee): Primary revenue stream. Advisors charge a fee upon successful completion of a financing arrangement. The fee is 1% of the desired financing amount, with a minimum of €3,950. This is a one-time, transaction-based fee earned when a financing product is successfully placed with a lender.
2. Haalbaarheidsonderzoek (Feasibility Study): Advisors conduct a financed feasibility scan and provide insight into expected monthly payments. Charged at €950 as a directional fee (€150/hour), this is a one-time professional services fee earned before or independent of a successful financing placement.

Pricing tiers

Go-to-market motion1 record

Distribution channels2 records

Marketing channels5 records

Core offering

Financieringsgilde is a Dutch franchise network of independent financial advisors who broker business financing for SMB entrepreneurs. Advisors compare and arrange financing products from a network of 60+ lenders (banks and non-banking financiers), spanning commercial and rental mortgages, business loans, working capital facilities, leasing, factoring, business acquisition financing, and green/sustainability loans. The company earns a transaction-based fee on each successfully placed financing arrangement and a fixed fee for feasibility studies, with no proprietary technology platform of its own.

Product overview

Financieringsgilde is a Dutch financial advisory franchise network serving SMEs (small and medium enterprises) with access to over 60 lenders. The platform offers a portfolio of financing solutions organized around four growth pillars: real estate (Bedrijfshypotheek, Zakelijke Hypotheek, Vastgoedhypotheek, Verhuurhypotheek), business acquisitions (Bedrijfsovername Financiering), working capital (Werkkapitaal Financiering including Zakelijk Krediet, Zakelijke Lening, Zakelijke Lease, Factoring, Crowdfunding), and sustainability (Verduurzaming Financiering including Groenlening and Groenlease). They also provide refinancing options, online financing calculators, and educational content. The service is delivered through independent local franchise advisors who provide personalized guidance from application to completion. Core revenue comes from a feasibility study (€950) and a 1% financing application fee (minimum €3,950).

Differentiator

Problem solved

Functional benefit

Products and services

• Bedrijfshypotheek (Business Mortgage)

Quantifiable outcome

• Advisors provide access to 60+ lenders including both banks and non-banking (alternative) financiers

Named customers6 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• YesqarcoreStrategic or Co-development PartnerYesqar is a key financing partner for Financieringsgilde in the automotive sector. Yesqar provides two specialised products: (1) inventory financing covering up to 90% of vehicle inventory value for portfolios from €500,000, and (2) lease portfolio financing covering up to 90% for portfolios from €750,000. Yesqar combines the strength of DFM and the autodata platform QarQuest. Financieringsgilde advisors facilitate the financing application on behalf of automotive entrepreneurs, working directly with Yesqar's advisors and the client's accountant to structure the deal.

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Capitalbox: Dutch online business financing platform providing short-term working capital and factoring to SMBs. Operates in the same Dutch SME segment as Financieringsgilde but offers a self-serve alternative to brokered financing.
• Lender & Spender: Dutch factoring platform converting outstanding invoices into immediate working capital for SMBs. Competes head-to-head with Financieringsgilde's factoring product via a direct, self-serve digital channel.
• Floryn: Dutch online business lender providing short-term working capital loans to SMBs in minutes. Reaches the same Dutch SME client base as Financieringsgilde but bypasses advisors with a direct digital channel.
• Bridgefund: Dutch online direct lender offering working capital and business loans to SMEs up to €250k. Competes with Financieringsgilde on smaller SMB tickets via a fully digital, no-advisor model — direct substitute for the broker on small deals.

Others

• Qredits: Dutch government-supported microfinance institution providing loans up to €250k to Dutch SMEs and startups. Addresses a similar SMB client base but with subsidized capital and a social mission rather than broker fees.

Broad incumbents

• ING Bank: Major Dutch bank with significant SME lending operations and digital direct channels. ING competes with Financieringsgilde both as a panel lender (via intermediaries) and as a destination where SMBs apply directly.
• Rabobank: Largest Dutch bank with deep SME lending franchise. Rabobank is both a supplier lender on Financieringsgilde's panel and a direct competitor for SMB financing — an overlap that defines the broker's bank-relationship economics.
• New10: ABN AMRO-owned digital lending platform offering working capital and business loans to Dutch SMBs. Banks' own direct-lending initiatives are the structural threat to brokers like Financieringsgilde on standard ticket sizes.

Direct peers

• De Hypotheekshop: Largest Dutch franchise chain of independent mortgage and financing advisors. Uses an identical franchise distribution model and advisor-led multi-lender comparison approach for both residential and business financing.
• Credion: Dutch advisory firm that brokers business financing, acquisitions, and corporate finance for SMEs, with a multi-lender comparison model that closely mirrors Financieringsgilde's debt advisory and brokering activity.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/fingilde

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries2 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 Financieringsgilde