De Nederlandsche Bank (DNB) published updated statistics showing that lending via Dutch fintech platforms increased by EUR 0.9 billion to EUR 4.4 billion in 2024, a 27% year-on-year rise. Most of the growth was in financing to small and medium-sized enterprises (SMEs), lifting fintechs’ share of the SME lending market. Since DNB began reporting fintech lending in 2021, outstanding loans have risen from EUR 1.8 billion to EUR 4.4 billion by end-2024. SME loans on fintech platforms reached EUR 3.2 billion, up EUR 0.7 billion (+27%), while SME lending by ING, Rabobank and ABN AMRO fell by around EUR 0.7 billion (-0.6%) to about EUR 110 billion; fintechs’ SME market share increased from 2.2% to 2.8% and exceeded 8% for loans under EUR 25,000. Intermediary-only platforms (including loan-based crowdfunding and investment platforms) accounted for EUR 3.7 billion of outstanding fintech loans, with nearly half of the funding coming from private households, while EUR 0.7 billion was originated by platforms lending from their own balance sheets or via dedicated funding lines where the platform bears the credit risk.
De Nederlandsche Bank 2025-10-06
De Nederlandsche Bank data show Dutch fintech platform lending rose 27% to EUR 4.4 billion in 2024
De Nederlandsche Bank reported a 27% increase in lending via Dutch fintech platforms, reaching EUR 4.4 billion in 2024, with significant growth in financing to small and medium-sized enterprises (SMEs). Fintechs' share of the SME lending market rose to 2.8%, with loans under EUR 25,000 exceeding an 8% market share. Intermediary-only platforms accounted for EUR 3.7 billion of fintech loans, with nearly half funded by private households.