Qredits Organization

Qredits is a lean organization and has adopted a new sustainable approach to microfinance: a blend of traditional banking with a highly sophisticated IT support system.

Qredits currently has around 100 employees and works with more than 600 volunteer mentors/coaches. Qredits' loan officers are assigned to specific geographical areas and visit and screen loan applicants at home or at their place of business. The loan assessment process is personal and tailored to the customer's needs, a necessary aspect for a target group that cannot be assessed through standardized methods and criteria.

Thanks to Qredits’ risk score model many customers can now opt for a distant-screening through video conference and quick disbursement so they can get started immediately.

Organizational chart

The Qredits organization is led by four directors. Each one is responsible for several of the departments in the organization and together they form the Executive Board of the foundation.

The Supervisory Board (SB) of Qredits is made up of external advisors. They oversee the executive board and meet every quarter.


ICT systems

The highly sophisticated IT support system is implemented in several phases of the process thus ensuring a sustainable approach.


For a complete overview and analysis of Qredits' IT systems and digital journey during the first 10 years, here is an elaborate case study. Quite an interesting read!

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Vision & Mission

Qredits is a private foundation started on 1 January 2009 by a group of public and private partners. It is the only nationally operating Microfinance Institution in The Netherlands.


Products & Services

If they have a good plan, we want to help them succeed. We offer loans up to €250,000, mentoring and online training tools.


Qredits Core Values

Qredits’ vision is to build a strong and independent entrepreneurship culture in the Netherlands by providing financing, mentoring and tools for micro-entrepreneurs in the Netherlands that have a viable business plan, yet are unable to obtain credit facilities from conventional lending institutions.