About Creddo

Consumers can compare loans in just a few clicks. So why should this remain complicated for business owners? It doesn’t have to be. With Creddo, Dutch, Finnish, and Swedish SMEs can receive multiple offers from different lenders through a single application.

What Creddo does (and doesn’t do)

What we do: we act as an intermediary for business financing (no personal loans). You submit one application; we forward it to multiple affiliated lenders and you receive offers to compare. We also provide extensive practical advice (such as how to make money online in 2025), tutorials, and guides in our knowledge base.

What we don’t do: consumer or personal credit. Our platform and content are aimed at entrepreneurs in the Netherlands.

Why compare through Creddo?

  • Save time & gain clarity. Instead of approaching each lender separately, Creddo gathers multiple offers in one place.
  • Objective comparison. You can review interest rates, terms, processing time side-by-side: penalty clauses, securities, repayment structure, total cost.
  • Free and non-binding. Applying via Creddo costs nothing and obligates you to nothing.

⚠ Important: “Borrowing money costs money.” Interest rates and conditions vary per provider and situation (industry, term, collateral).

How it works

  1. Submit your application. Indicate the purpose, desired amount and term.
  2. We approach multiple lenders. One application → several responses/offers (usually quickly).
  3. Compare and choose. Select the option that best fits your business, objectives and risk profile.
  4. Payout. Once approved, settlement and disbursement are handled by the provider.

Transparency about who we are

Creddo was founded in 2019 in Sweden by entrepreneurs with a fintech background and is active in Sweden, Finland and the Netherlands. Since launch, thousands of applications have been processed for industries such as construction, hospitality, trade/e-commerce, and health & beauty.

The Creddo Netherlands Team

Our Dutch office combines local market knowledge with international fintech expertise. Every day we work with entrepreneurs, lenders and partners to make financing fairer and more accessible.

  • Alicja Mika — Business Advisor. Helps Dutch entrepreneurs find the right financing and supports them personally throughout the application process, focusing on transparency and long-term success.
  • Cedric Roels — Business Advisor & Head of Growth. Specialist in business loans and corporate financing with over 7 years of experience in FinTech. Cedric leads Creddo Netherlands’ strategic growth and manages partner relations, IT developments, and content quality control for financial publications.
  • Floris van Vredendaal — Head of Marketing. Focuses on transparent communication, customer experience, and sustainable growth. Translates complex financial concepts into clear insights for entrepreneurs.
  • Marek Pietrzak — General Manager. Responsible for daily operations and compliance at Creddo Netherlands. Marek has a background in international business development and IT services.

Together, this team represents the values Creddo is built on: clarity, honesty and partnership.

Fair comparison, no predatory practices

We empower entrepreneurs to stand strong against disadvantageous terms. That’s why we clearly present total costs and contract clauses, encouraging choices based on factual criteria (not just headline interest rates).

Data security and privacy

We process personal data in accordance with GDPR/AVG and adhere to the guidelines of the Dutch Data Protection Authority (AP). Read our privacy statement to understand your rights and how we operate.
→ Privacy Policy

When is Creddo the right choice?

✔ You’re looking to grow (inventory, equipment, marketing).
✔ You’re considering a loan, credit facility, leasing or other business financing options.
✔ You want multiple offers without repeating the same application process ten times.