Kapitaal Opmaat

What Kapitaal Opmaat does

Kapitaal Op Maat, operated under the legal entity KOM Group B.V., is a Dutch online crowdfunding marketplace founded in 2014 and headquartered in Rotterdam. The platform connects Dutch small and medium-sized business (SMB/MKB) entrepreneurs seeking growth, working capital, or refinancing with retail and business investors seeking fixed-income returns. Entrepreneurs can publish financing requests ranging from €25,000 to €2,500,000 per project with terms of 6–120 months; investors can participate from €500–1,000 per project up to €40,000 per retail investor, with no cap for business investors, and receive monthly interest and amortization payments. Interest rates on loans offered through the platform range from approximately 4% to 12% annually depending on risk class (AA to C).

The platform operates as a cloud-based self-serve marketplace hosted at kapitaalopmaat.nl, with payment flows routed through PSD2-licensed partner GoCredible B.V. and held in escrow by Stichting Derdengelden GoCredible, while collateral and security rights are managed by Stichting Security Trustee KOM Group on behalf of investors. Kapitaal Op Maat holds Dutch Authority for the Financial Markets (AFM) license 32000003 under the European Crowdfunding Service Provider Regulation (ECSP), granted 30 November 2022, authorizing loan facilitation, credit scoring, and pricing proposals. The platform is integrated with the Capital Circle partner platform within KOM Group (effective 1 January 2024), collaborates with FinTech Exaloan on the Performance Analyse analytics module, and is positioned to list loans on the Loansweeper automated institutional lending marketplace.

Kapitaal Op Maat generates revenue primarily through transaction-based platform fees on each facilitated loan, supplemented by interest-spread economics across an average gross interest rate of 8.12%. Operating as a product-led marketplace with self-serve onboarding for both borrowers and investors, the platform has facilitated €128,549,050 across 904 projects as of mid-2025, with an average project funding time of 6 days, 7,986 active investors, 0.78% default rate, and 5.91% average net investor return. The team is small (1–10 employees) and concentrates marketing on its own website, content/blog, newsletter, and organic social, with Trustpilot and limited earned media as supporting acquisition channels.

Name

Kapitaal Opmaat

Legal name

KOM Group B.V.

Website

https://kapitaalopmaat.nl

Company type

Private

Founded year

2014

Operating status

Operating

Headcount range

1–10 employees

Short description

Kapitaal Op Maat is a Dutch AFM-licensed online crowdfunding marketplace operated by KOM Group B.V., connecting Dutch SMB entrepreneurs seeking €25K-€2.5M loans with retail and business investors seeking 4-12% fixed-income returns since 2014.

Ownership category

akta.pro rank

Product category

Crowdfunding Lending Platform

NAICS

Finance and Insurance (52)

SIC

Loan Brokers (6163), Short-Term Business Credit Institutions (6153)

akta.pro primary industry

P2P Small Business / SME Marketplace Lending (FSAKAHAC)

Keywords

• Crowdfunding platform
• SMB business lending
• Alternative finance
• Investor loan matching
• Peer-to-peer lending

Headquarters

HQ city

Rotterdam

HQ country

Netherlands

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Crowdfunding Transaction Fees (Platform Commission): Platform charges fees on each loan transaction facilitated. Entrepreneurs pay for raising capital; investors pay platform fees (as documented in separate TarievenbladInvesteerder and TarievenbladOndernemer rate cards referenced in Algemene Voorwaarden, effective January 2024). Revenue is transaction-based, earned per completed crowdfunding project.
2. Interest Rate Spread: Platform facilitates loans where entrepreneurs pay interest (ranging 4-12% annually depending on risk class) to investors. The platform earns through the spread between lending and borrowing rates or through service fees embedded in the loan terms. Projects show interest rates from 6% (low-risk real estate) to 12% (higher-risk healthcare).

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Kapitaal Opmaat operates a Dutch online crowdfunding platform that connects SMB entrepreneurs seeking business financing with retail and business investors seeking fixed-income returns. Entrepreneurs can request loans of €25,000 to €2,500,000 with terms of 6-120 months, while investors can invest from €500-1,000 per project up to €40,000 per retail investor, earning 4-12% annual interest with monthly amortization payments. The platform operates under an AFM European Crowdfunding Service Provider (ECSP) license and facilitates bank-free financing with professional risk assessment, third-party escrow through GoCredible, and security trustee services through Stichting Security Trustee KOM Group.

Product overview

Kapitaal Op Maat operates as a unified crowdfunding marketplace for Dutch SMEs. The core platform facilitates direct lending between investors and entrepreneurs, offering investment opportunities starting at €100 with annual returns ranging from 5-9%. The platform is complemented by Capital Circle (a partner platform within KOM Group), a Performance Analyse tool developed with Exaloan for portfolio tracking and risk analysis, and is integrated with the Loansweeper digital lending platform for automated loan matching. Together these services enable bank-free financing (bankvrij financieren) for the SMB market.

Differentiator

Problem solved

Functional benefit

Products and services

• Kapitaal Op Maat Crowdfunding Platform Online crowdfunding marketplace for Dutch SMB entrepreneurs to raise loans of €25,000 to €2,500,000 and for retail/business investors to invest from €500-1,000 per project (up to €40,000 per retail investor) earning 4-12% annual interest with monthly amortization payments. Operates under AFM ECSP license with professional risk assessment, third-party escrow, and independent security trustee services.
• Performance Analyse Portfolio performance analytics tool for investors, developed with FinTech partner Exaloan, providing transparent performance metrics including cumulative returns, sector spread, and monthly return matrix for the combined KOM Group portfolio covering Kapitaal Op Maat and Capital Circle projects.
• Capital Circle Partner crowdfunding platform integrated under KOM Group B.V. operating alongside Kapitaal Op Maat under the same regulatory framework and infrastructure. Updated joint general terms and Framework Agreement were issued in January 2024 to reflect integration into KOM Group.

Quantifiable outcome

• Average net return of 5.91% for investors across portfolio (mid-2025)
• +4 more outcomes

Named customers15 records

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• ExaloancoreTechnology or IntegrationExaloan is a FinTech company that independently analyzes the performance and risk characteristics of the KOM Group portfolio (covering both Kapitaal Op Maat since 2014 and Capital Circle since 2015). Exaloan provides transparent performance metrics including cumulative returns, sector spread, and monthly return matrices. Additionally, Exaloan is developing the Loansweeper fully digital lending platform, and KOM Group aims to be the first ECSPR license holder to list loans on this platform.
• Stichting Security Trustee KOM GroupcoreOthersSecurity trustee entity that holds mortgage rights and pledges on behalf of investors. Has a permanent and undisputed mandate to act on behalf of investors and can act quickly and effectively. Can update security registrations at any time without requiring data from the entrepreneur. KvK 65696190. Email [email protected].
• Capital CirclecoreChannel Partner/ Reseller/ DistributorCapital Circle is a partner crowdfunding platform that has been integrated into KOM Group. As of January 2024, the joint general terms (Gezamenlijke Algemene Voorwaarden) and Framework Agreement (Raamovereenkomst) were updated to reflect this integration. Capital Circle operates under the same KOM Group infrastructure and regulatory framework.

Scale indicators9 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Geldvoorelkaar.nl: One of the largest Dutch crowdfunding platforms for SMB lending, also AFM-licensed under ECSP. Competes head-to-head with KOM for Dutch MKB loan originations and has a larger investor community.
• OnePlanetCrowd: Dutch crowdfunding platform specializing in sustainable and impact-focused SMB loans. Directly competes in the Dutch alternative-finance space with similar AFM regulation and SMB target market.
• October (formerly Lendix): European SMB lending platform operating across France, Spain, Italy, Germany, and the Netherlands under ECSP-equivalent regulation. Comparable business model (P2P business loans with similar risk classes and target returns).
• Collin Crowdfund: Netherlands-based crowdfunding platform focused on SME business loans, operating under the same ECSP framework. Directly competes with Kapitaal Op Maat for Dutch SMB borrowers and retail investors, with comparable loan sizes and target returns.

Emerging players

• Seedrs: European equity crowdfunding platform regulated under ECSP for transferable securities. Adjacent rather than direct — operates in the crowdfunding regulatory framework but focuses on equity rather than debt.

Broad incumbents

• Funding Circle: Established UK-headquartered SMB lending marketplace with global operations. Comparable core business (P2P SMB loans) but at significantly larger scale and broader geographic footprint than Kapitaal Op Maat.
• Lendio: US-based SMB lending marketplace aggregating loans from multiple lenders. Comparable business model (online SMB loan matching) but operates in a different regulatory and geographic market.

Regional players

• Companisto: Germany's largest crowdfunding platform offering both equity and debt instruments to SMBs. Similar platform model but German-market focus and broader instrument mix than Kapitaal Op Maat.
• Linked Finance: Ireland's leading SMB crowdfunding platform operating under ECB regulation. Comparable SME lending model but focused exclusively on the Irish market with no Dutch overlap.

Others

• Flattr (formerly Kickstarter P2P): Exaloan — the FinTech partner that powers KOM's independent performance analytics and is developing the Loansweeper automated matching platform. Functionally a technology/infrastructure partner rather than a competitor, but operates in the same SMB lending analytics ecosystem.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/kapitaalopmaat
• Xx.com/kapitaalopmaat
• Facebookfacebook.com/kapitaalopmaat

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 Kapitaal Opmaat