Credion

What Credion does

Credion, founded in 2001 and headquartered in Leiden, Netherlands, is the country's largest independent financing platform for small and medium-sized enterprises (Dutch SMEs / mkb-ondernemers). It operates as an intermediary between businesses seeking capital and a network of more than 120 financiers spanning banks (Rabobank), specialty lenders (Bridgefund, Qsix, Neos Direct Lending, Mogelijk), factoring providers (BNP Paribas Factor, Flowfactoring), leasing firms (Xllease), real estate funds (Rnhb, Vastgoedfinancieringfonds) and alternative capital sources (Swishfund, Fundiq, Nedfund, Smego, Voldaan). Its product taxonomy covers business loans, business and real estate mortgages, business credit lines, working capital financing, refinancing, bridge credit, leasing, factoring, investor matching and crowdfunding — addressed at three core use cases: SME owners needing growth or working capital, entrepreneurs acquiring or buying into businesses, and real estate investors financing rental or commercial property.

The operating model is hybrid: customers can self-serve through a 10-question online questionnaire that pre-qualifies them and surfaces financing options, while a nationwide bench of 90 advisors takes over from application through successful closing. The company also runs a broker (makelaar) affiliate program for inbound referrals and offers a customer portal (Mijn Credion) for application management. Credion discloses no proprietary technology layer, API, or app and depends primarily on its curated lender network and human advisory capacity as the delivery mechanism.

Credion earns revenue through transaction-based brokerage fees paid by financiers when financing is successfully arranged, with pricing not publicly disclosed. Its customer base is entirely Dutch SMEs, the firm is privately held with no parent company or institutional backing disclosed, and it operates exclusively in the Netherlands. The leadership team includes CEO Carlo Weg alongside a bench of field advisors.

Name

Credion

Legal name

Credion

Website

https://credion.nl

Company type

Private

Founded year

2001

Operating status

Operating

Headcount range

51–100 employees

Short description

Credion is the Netherlands' largest independent financing platform, connecting Dutch SMEs with 120+ lenders across business loans, mortgages, leasing, factoring and crowdfunding via a hybrid online and 90-advisor advisory model.

Ownership category

akta.pro rank

Product category

Business Financing Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Activities Related to Credit Intermediation (5223), Nondepository Credit Intermediation (5222)

SIC

Loan Brokers (6163)

akta.pro primary industry

SME Commercial Real Estate (CRE) Lending (FSABABAG)

akta.pro secondary industries

Commercial Real Estate (CRE) Mortgage Origination (FSALADAA), CRE Bridge & Transitional Lending (FSALADAC)

Keywords

• Business financing brokerage
• Commercial lending services
• SME financing solutions
• Real estate financing
• Debt advisory services

Headquarters

HQ city

Leiden

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Brokerage/Intermediary Fees: Credion acts as an intermediary between businesses seeking financing and lenders. The company earns fees from financiers when financing is successfully arranged for customers.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Credion is a financial brokerage that helps Dutch SMEs, entrepreneurs, and real estate investors find and secure business financing by comparing offers from a network of 120+ financiers. The service combines an online application and discovery tool with personal advisors who guide clients from application through to successful funding across products such as business loans, mortgages, refinancing, factoring, leasing, and crowdfunding.

Product overview

Credion is the largest independent financing platform in the Netherlands, offering a unified platform that connects businesses with 120+ lenders and financial partners. The core offering is a comparison and brokerage service that guides businesses from application to successful financing. The platform provides access to diverse financing products including business loans, mortgages, working capital, factoring, leasing, crowdfunding, and investor connections. Credion offers personalized advisory services through 90+ experienced advisors, complemented by an online portal (Mijn Credion) and a financing options discovery tool. The product architecture consists of multiple specialized financing product categories (business financing, real estate financing) with specific products under each category, unified by the company's comparison platform and advisory services.

Differentiator

Problem solved

Functional benefit

Products and services

• Business Financing (Zakelijke financiering) Core business financing brokerage service that helps Dutch companies find and secure funding from Credion's network of 120+ financiers.
• Business Acquisition Financing (Bedrijfsovername financiering) Financing solutions for entrepreneurs looking to buy into or take over another business, sourced through Credion's lender network.
• Business Credit (Zakelijk krediet) Business credit lines and revolving credit facilities arranged through Credion's financier network.
• Working Capital Financing (Werkkapitaal financiering) Financing to support day-to-day operational cash flow needs of businesses.
• Refinancing (Herfinancieren) Refinancing solutions to replace existing loans with better terms, sourced from Credion's network of 120+ financiers.
• Bridge Credit (Overbruggingskrediet) Short-term financing to bridge cash flow gaps during transitions for businesses.
• Business Lease (Zakelijke lease) Equipment and asset leasing solutions for businesses, arranged through Credion's lease financing partners.
• Factoring Invoice factoring services to improve business cash flow by selling receivables, arranged through Credion's factoring partners.
• Investor Matching (Investeerders) Connecting businesses with private investors and equity capital providers through Credion's network.
• Crowdfunding Crowdfunding solutions for raising capital from multiple investors, sourced via Credion's network.
• Business Mortgage (Zakelijke hypotheek) Mortgage financing for purchasing commercial property or business premises, arranged through Credion's financier network.
• Rental Mortgage (Verhuurhypotheek) Mortgage financing for rental property investments arranged through Credion's network.
• Real Estate Financing (Vastgoedfinanciering) Comprehensive real estate financing solutions for businesses and investors.
• Business Premises Mortgage (Hypotheek bedrijfspand) Mortgage for commercial business premises arranged through Credion's financier network.
• Real Estate Mortgage (Vastgoedhypotheek) General real estate mortgage products for property purchases.
• Investment Property Financing (Beleggingspand financieren) Financing for investment properties intended for rental income, arranged via Credion's network.
• Commercial Real Estate Financing (Commercieel vastgoed financiering) Financing specifically for commercial real estate properties, arranged through Credion's financier network.
• Real Estate Loan (Vastgoedlening) General real estate loan products arranged through Credion's financier network.
• Mijn Credion Online Portal Online customer portal for managing financing applications and tracking progress throughout the funding process.
• Financing Options Discovery Tool Online questionnaire tool that helps businesses discover their financing options by answering 10 questions, generating matched offers from Credion's network of 120+ financiers.

Quantifiable outcome

• Higher success rate for customers rejected by banks
• +1 more outcomes

Named customers3 records

Segments3 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Scale indicators2 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Funding Circle: UK-headquartered online SME lending platform that originated as a marketplace connecting small businesses to multiple institutional and retail investors. Highly comparable to Credion in intermediating SME credit across a multi-lender network, with overlap in unsecured business loans, refinancing, and growth capital.
• Lendio: US-based small business loan marketplace that matches borrowers to 75+ lenders across term loans, lines of credit, SBA loans, and equipment financing. Directly comparable to Credion's broker model, multi-lender panel, and SME target customer.
• Younited Credit: European consumer and SME credit platform operating across France, Italy, Spain, Germany, and Portugal. Comparable to Credion in aggregating multiple funding sources to originate credit, with similar product breadth and a marketplace-style distribution approach.
• Qred: Nordic and Netherlands-based digital SME lender providing business loans, lines of credit, and factoring. Directly competes with Credion's Dutch SME customer base and product set, although Qred lends on balance sheet rather than brokering.
• Floryn: Dutch online lender providing working capital loans and business credit lines to SMEs. Direct competitor to Credion in the Dutch SME financing market, with overlap in working capital, business credit, and growth financing use cases.
• Octopus Choice: UK P2P business lending platform that pools capital from individual and institutional investors to fund SME loans. Comparable to Credion's multi-financier marketplace model and SME borrower focus, though geographically UK-only.

Emerging players

• Defacto: France-based fintech providing SME financing through invoice factoring, scoring, and embedded credit APIs. Comparable to Credion in serving SMEs with non-dilutive working capital and in operating a tech-enabled matching/underwriting layer between borrowers and capital.
• Capitalbox: Netherlands-based online SME lender providing short-term working capital, business loans, and factoring. Directly comparable to Credion in the Dutch SME financing market with overlapping product categories and target segments.

Regional players

• Auxmoney: Germany's largest P2P lending platform for consumer and SME credit, originating loans on behalf of a broad lender panel. Operates a similar broker/marketplace architecture to Credion, but focused on the German market.

Broad incumbents

• Knab: Dutch online bank offering business accounts, payments, and SME lending products. Competes with Credion for the same Dutch SME customer wallet and could disintermediate Credion by offering direct financing through its own balance sheet.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/credion
• Facebookfacebook.com/credion

Revenue estimate

Valuation estimate

Number of profiles

Profiles6 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 Credion