Zakelijke Lening

What Zakelijke Lening does

Zakelijke Lening is a Dutch digital loan comparison and credit brokerage platform operated by Elevendigits OÜ, an Estonian-registered entity (Narva mnt. 7, 10117 Tallinn). The platform targets Dutch small and medium-sized businesses (MKB) that have difficulty accessing traditional bank financing, as well as startups with at least one year of operating history. Borrowers complete a single ~3-minute online application covering loan amount, term, and basic business details; the system then matches them to suitable regulated European lenders for products ranging from unsecured loans (€1,000–€350,000) to secured loans (€50,000–€5,000,000), flexible loans (from 4.99% effective annual rate), commercial real estate financing (up to 75% LTV), government-subsidized loans, vehicle financing, and factoring. Loan decisions are targeted within 24 hours and disbursement within 24–48 hours of approval.

The platform has no proprietary technology stack disclosed beyond an automated matching system and a content/blog layer covering Dutch SMB financial topics (EBITDA, solvency ratios, current ratio, factoring, interest rates). Acquisition is driven primarily by organic SEO, content marketing, and a referral/partner network rather than paid media. The service is GDPR/AVG compliant and operates within EU consumer credit directives and EBA credit guidelines.

Zakelijke Lening does not lend its own capital; it acts purely as an intermediary. Revenue is generated exclusively through a 1–3% mediation fee on the loan amount for successful matches. The business is small (1–10 employees, founded 2024, no external funding disclosed) and serves only the Netherlands despite the parent entity being Estonian, leaving geographic expansion as an unaddressed but available lever.

Name

Zakelijke Lening

Legal name

Elevendigits OÜ

Website

https://zakelijke-lening.nl

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Short description

Zakelijke Lening is a Dutch digital loan comparison and credit brokerage platform, operated by Estonian parent Elevendigits OÜ, connecting Dutch SMBs with a network of European lenders for loans ranging from €1,000 to €5M+, earning a 1–3% commission per successful match.

Ownership category

akta.pro rank

Product category

Business Loan Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

P2P Loan Syndication & Participation Platforms (FSAKAHAL)

Keywords

• Business loan brokerage
• Loan comparison platform
• Commercial lending
• SMB financing
• Credit intermediation

Headquarters

HQ city

Tallinn

HQ country

Norway

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Affiliate referral commission: Zakelijke Lening acts as an affiliate/marketing intermediary connecting borrowers with lenders. The company earns a commission when a loan match results in a completed transaction. Commission can be a fixed amount or a percentage of the loan amount borrowed. Mediation fees charged are 1–3% of the loan amount.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core offering

Zakelijke Lening is a digital loan comparison and brokerage platform that matches Dutch small and medium-sized businesses with suitable financing products from a network of European lenders via a single online application. Core offerings include unsecured business loans (€1,000–€350,000), guaranteed/secured business loans (€50,000–€5,000,000), flexible business loans (€5,000–€200,000), commercial real estate financing, government-subsidized loans, auto/business vehicle financing, and invoice factoring. The service is free for borrowers; the company earns a 1–3% mediation fee on successfully matched loans, with decisions typically within 24 hours and disbursement within 24–48 hours.

Product overview

Zakelijke Lening operates as a loan comparison and brokerage platform that connects Dutch businesses with suitable financing options from a network of European credit providers, banks, and alternative lenders. The core offering consists of unsecured loans (€1,000–€350,000), secured/guaranteed loans (€50,000–€5,000,000), and flexible business loans (€5,000–€200,000). Additional products include commercial real estate financing (up to 75% LTV), subsidized government loans (up to €1,200,000), auto/business vehicle loans, and factoring services. The platform functions as an intermediary—not a direct lender—providing digital application processing, loan comparisons across multiple providers, and personalized advice, with disbursement typically within 24–48 hours of approval. The service is free for businesses to use, with broker fees of 1–3% of the loan amount charged only upon successful matching.

Differentiator

Problem solved

Functional benefit

Products and services

• Ongedekte Zakelijke Lening (Unsecured Business Loan) Unsecured business loans from €1,000 to €350,000 providing working capital or growth financing to Dutch SMBs without requiring collateral, with loan decisions typically issued within 24 hours.
• Gegarandeerde Zakelijke Lening (Guaranteed/Secured Business Loan) Secured business loans from €50,000 to €5,000,000 for Dutch SMB business growth or larger projects, offering best possible terms with collateral support and underwriting.
• Flexibele Bedrijfslening (Flexible Business Loan) Flexible business loans from €5,000 to €200,000 with effective annual interest rates starting from 4.99% (subject to creditworthiness), maximum term 36 months, designed to bridge seasonal fluctuations and temporary liquidity needs for Dutch SMBs.
• Financiering voor Commercieel Vastgoed (Commercial Real Estate Financing) Commercial real estate financing for Dutch SMBs offering loans up to 75% of property value, with fixed or variable interest rates and terms up to 25 years, secured via registration through the Dutch Land Registry (Kadaster).
• Leningen met Subsidie (Government-Subsidized Loans) Government-sponsored loans up to €1,200,000 for Dutch SMBs, offering favorable interest rates tied to government financing conditions, with potential subsidy repayment requirements.
• Lening voor Auto of Bedrijfswagen (Auto/Business Vehicle Loan) Vehicle financing for Dutch businesses covering up to 100% of vehicle acquisition costs, offered with purchase or lease options, flexible rates, and fiscal planning opportunities.
• Factoring (Invoice Financing) Invoice factoring service for Dutch SMBs providing up to 90% of invoice payment upfront, available as silent or open factoring, improving working-capital liquidity without additional measures.

Quantifiable outcome

• Application decision within 24 hours; funds disbursed within 24–48 hours of loan approval
• +3 more outcomes

Named customers3 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

Partnerships

One partnership is on record.

• Elevendigits OÜminorOthersElevendigits OÜ is the operating company registered in Estonia (registration number 12199828, address Narva mnt. 7, 10117 Tallinn) that owns and operates the Zakelijke Lening platform.

Scale indicators1 record

Recent moves4 records

Expansion highlights4 records

Market position

Strengths4 records

Weaknesses4 records

Competitive moat2 records

Key risks6 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/zakelijkelening
• LinkedInlinkedin.com/company/zakelijkeleningnl

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

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 Zakelijke Lening